23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, we entered into an agreement for a loan modification that would be approved contingent upon making three consecutive monthly payments, signing an agreement and my account would be current after three months. We have successfully made 6 monthly payments ( see attached ) and have never received an agreement to sign. 

I was notified that our home has been scheduled for foreclosure sale because Ditech never received the signed documents. I am sure you will agree that it is impossible to sign a document that you never receive. 

On XX/XX/XXXX, I spoke with XXXX and he said there was no way to continue the modification. He indicated he would start the process again. I called later the same day and spoke with XXXX to ask for proof of delivery of the documents, assuming that such time sensitive documents would be sent with proof of shipment, delivery and signature required. He notified me that Ditech is not obligated to provide me with such information. He also told me that the conversation I had with XXXX was not true and XXXX would not have initiated a new modification. I asked him to patch me through to XXXX and he refused and said Ditech has no obligation to follow through with their agreement. I highly suggest that this phone call be reviewed.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all violated my rights. 15 U.S.C 1681 SECTION 602 A, states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Please refer to my past complaint to CFPB  XXXX  Submitted to the CFPB on  X/XX/2017   .     Almost 2-3 weeks back I got a call from Bofa. He wanted to talk to me regarding this issue and told me that he is recording the call. I also stated that being in the state of AZ - I have the authority to record the call. The moment he come to know about it - he said that he will send the contents by mail. I have n't received anything from them via mail also.   Why in the world - it 's  so one side d that he can record the conversation because is " the bank '' but i can not. This is against my basic rights as  a US Citizen a nd against AZ policies.     Attaching the recorded conversation.
Product: Checking or savings account

I was scammed via work email through a XXXX  for an XXXX  XXXX XXXX. I was sent a check to purchase necessary software and instructed to use XXXX to pay the rep. For the software. XXXX check amount XXXXThrough XXXX XXXX XXXX XXXX XXXX XXXX Someone hacked a students email account- so it was a viable account, and no one thought otherwise. Three other students fell for the scam.- I notified our IT and a scam caution email went out XXXX. 
I notified Huntington bank manager and placed a hold on the account XXXX. 
After several strange texts from person- I realized it was a scam and notified Huntington that day. I also went and filed a report with XXXX XXXX XXXX XXXX as instructed. # XXXX. Filed XXXX Im now being told I owe Huntington Bank the amount of XXXX back, that Regulation E does not have anything to do with this fraud draw. I also received a statement from the bank dated- XXXX stating that XXXX would not be available until XXXX? Per our funds availability policy, the reason for the delay is : we need more time to review your deposit to make sure funds will be received from the paying bank. Ref # XXXX XXXX, consumer operations . 
I Spoke to XXXX from Huntington XXXX, that states there was no hold placed on the full amount., and the bank will not pay for the fraud charge, we will. If we dont they will send us to collections.
Product: Vehicle loan or lease

First of all, there is no statue of limitations when it come to consumer fraud. In the contract you can clearly see that I was charged a finance charge of XXXX according to 15 usc 1605 states that the finance charge is the sum of ALL charges. My consumer fights was violated. Secondly insurance is supposed to be included in the finance charge. my consumer right was violated. Third, when a finance charge is involved, There is no down payment ( no cash transaction ) in a consumer credit transaction, I paid XXXX.my consumer right was violated. Last of all, as far as debt validation and federal law I am a natural person and I am not obligated to any alleged debt according to 18 usc 8. Dispite the federal law, wells Fargo continued to collect on this debt and repossessed my vehicle and dramatically damaged my credit score which had a huge impact on my life. Wells Fargo is Criminally Liable 15 usc 1606 and I will need full remedy for violating my consumer rights pursuant to 1692k.
Product: Checking or savings account

I had got a phone one morning while I was getting ready to go to work an it was the Wells Fargo fraud claims department calling me to let me know that my account has been in a fraud Would I like to resolve it over the phone or go to the bank an speak to an agent. I went to the bank an I told him how I got a phone call saying my account has been hacked. He ask for my bank card an he pulled it up an we call the fraud department due to my account was being hacked an money was being withdrawn in Chicago Illinois an I live in XXXXXXXX XXXX. While we was on the phone my money was still being withdrawn in Chicago Illinois. They with draw all my money from my checking an savings accounts they paid off my Wells Fargo credit card an withdraw the money from my credit card. The bank gave me back the money for my checking an savings but never did for the credit card which damaged my credit. Along side my whole identity was being stolen from there that I never got my tax refund cause they said was already cashed in that IRS had to give me a special PIN number when I do my tax so they know it is me We are in XXXX  now. Up to XXXX  Wells Fargo was still asking me to pay off my credit card which I never made those charges or spend {$1500.00} I told them give me back the money on the credit card where my whole account was hacked an I would pay what I use on my credit card which was {$130.00} what I charged. They never gave me back the money an my credit was damaged from the time it happened all the way up to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date Opened XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting an incorrect balance, The account is in fact paid in full, an was supposed to be deleted by XXXX XXXX per out pay to deleted agreement. The account is XXXX XXXX # XXXX the balance due is reporting as {$840.00} the actual balance is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which I obtained through your services. The items in question have been disputed previously, yet they remain unresolved and continue to appear as inaccurate on my report. Despite my previous efforts to resolve these issues, the same errors persist, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX ] Description of Inaccuracy : incorrect payment history and balance XXXX. XXXX XXXX XXXX Account XXXX Description of Inaccuracy : inconsistency of reporting correctly to the agencies, wrong payment history and incorrect balance also reports differently to all agencies. Also XXXX continues to update on a closed account. 
XXXX. XXXX Account XXXX : XXXX Description of Inaccuracy : incorrect balance and status XXXXXXXX XXXX XXXX XXXX Description of Inaccuracy : payment history and failure to provide the original contract from the original creditor XXXX. XXXX XXXX XXXX payment history and failure to provide the original contract from the original creditor I have reviewed my records and can confirm that the above information is either outdated, incorrect, or has not been verified as required under the law. As per the Consumer Financial Protection Bureau ( CFPB ), credit reporting agencies like Experian are required to maintain accurate and complete information. Failure to rectify such discrepancies within the legally mandated time frame not only violates consumer rights but also undermines the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these disputed items, as required by the FCRA, and remove any inaccuracies from my credit report. If you find that the information can not be verified, I request that you promptly delete or correct these items accordingly. 

Additionally, I would like to emphasize that this is not the first time I am disputing these errors. The continuous failure to correct inaccurate data is a concern, and I expect immediate action to be taken to resolve these matters, or I will not hesitate to file a complaint with the CFPB for further review of this issue. 

Please confirm in writing the resolution of my dispute, and provide a copy of my updated credit report once these items are corrected. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I am submitting this complaint because EOS CCA is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : account # XXXX, opened : XX/XX/XXXX, original balance Account information : account # XXXX, opened : XX/XX/XXXX, original balance {$380.00}, original creditor : XXXX  XXXX XXXX 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
Product: Debt collection

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that XXXX XXXX XXXX is reporting damaging information to my name.
Product: Credit card or prepaid card

A dispute was filed with Chase ( Chase Sapphire Reserve credit card ) on XX/XX/2020. The dispute was due to a travel cancellation by a travel merchant via e-mail on XX/XX/2020, prior to any travel restrictions or closed borders. This e-mail from the merchant states " rest assured you will get a full refund ''. Although I received a partial refund, a full refund was not received, thus my dispute in the amount of {$2700.00}, for services not received. After attempting to resolve this with the travel merchant with no success, the dispute was filed. Travel insurance claim was submitted for the XX/XX/2020, cancellation e-mail, and was refused. Travel insurance claim was submitted for a second time, using the " formal '' cancellation letter provided by the travel merchant dated XX/XX/2020, and was refused. ( I suspect the second letter was sent to forge the date of trip cancellation from XX/XX/2020, to XX/XX/2020, for insurance purposes. ) Chase Sapphire accepted this dispute on XX/XX/2020 and, despite five phone calls to them, the dispute is still pending, after 122 days. During this time, no one has contacted me to ask for additional information. On several phone calls, I have offered to provide backup detail to clarify details, but I was told if they needed it, they would contact me. No one has contacted me. The consistent inability to answer my questions and update me has been stunning, as well as my concern that no one wants any backup data as to why I filed this dispute. 

According to the Fair Credit Billing Act, the credit card company must investigate and report back to me in writing within two complete billing cycles or within 90 days. If the credit card company does not follow the law, they must cancel the charge.
Product: Credit reporting or other personal consumer reports

I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file. 
This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXXXXXX XXXX XXXX  ( Case Number : XXXX XXXX XXXX XXXXXXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting.

In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} XXXX. XXXX Accoun number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXXXXXX XXXX XXXX documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX XXXX XXXX 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I worked for XXXX in which my service was free. After I left the company I had to turn in all property, tools, equipment that I was given at the beginning of the sales job. I had to turn this in to receive my last paycheck. this was over 7 years ago. I do not owe this company one dime. They keep updating this on my credit report and it has been sent to a 3rd party ...
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a MasterCard gift /prepaid card for the amount of {$75.00}, Upon getting home I registered the Card online, to my address, name, and phone number. when I went to use this card I couldn't find it, So after turning my house over and over, I realized to just report it " LOST '' .when reporting it lost I sharded the total info to them, they acted XXXX and stupid. Pretended to want to replace it and nothing happen. due to this fraud, a scamming business does unethical and illegal practices. they had my info and knew that and still would refund me a new card for the Lost one. also asking for my social security number and scamming more, I would like these people investigated, and taken to Federal court for fraud and Theft. thank you, would like your involvement in seeking restitution for me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. In my correspondence, I listed the specific accounts in question and detailed the violations they were making to my consumer report. It has been over 30 days since I sent these disputes, and I have not received any response from any of the credit reporting agencies. I am attaching copies of all the letters I sent below for your reference.
Product: Debt collection

The storage company is attempting to collect a debt for a period after my vacancy. Included is my notice of move out to the company. Also included is a receipt showing a XXXX balance on XX/XX/, my move-out date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I want to say early 2000 's, I froze my credit with Experian after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Experian to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.