23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX our house XXXX, in XXXX the insurance company settled with us an sent a check for the settlement with both my name and the mortgage company. I endorsed the check and send it to the New American Funding and they deposited the funds into an escrow account. My outstanding mortgage was XXXX and the settlement was for more than that amount so they sent me the difference to use as I pleased. I then asked for a dispersment for the demolition of the house, had an inspection and received XXXX. The balance in escrow was now about XXXX. The loans then sold to New American Funding ( confusing I know it seems like the same company ) and they then said I needed to resend all the insurance documents etc. I indicated they should and do have all of those and they needed to find them. After four weeks and multiple phone calls they finally had the documents, even though they had them the whole time. I was sent information that said you would receive payments in XXXX as the house was completed. Three weeks ago I spoke to XXXX as they had received the inspection report indicating the house was at least XXXX percent complete and requested the XXXX draw. I was informed that the XXXX draw was less then the normal thirds they would have send and that the XXXX draw would be larger to get us to the 66 % mark. I receive the draw and it was not the XXXX I was expecting, it was XXXX. I have a house that needs to be built and paid for. The person I called said they were considering the first payment they sent out the amount of the settlement in excess of the loan amount as a draw. However it is not. They have no control over funds about the mortgage amount. Also it does n't seem right that they continue to charge me interest on my loan and make interest on the funds they are holding against my loan. It has been very disorganized, they can not send or receive email and if you ask for a supervisor they can not transfer you. One has to call back in 2 days. They call outside of normal business hours for my time zone, and every person you talk to tell you different information. I need to amount to be corrected and sent as I have a builder I need to pay.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed any inaccuracies causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Remove the fraudulent accounts off my credit report now! Other bureaus fixed it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. I won't tolerate your delay in fixing this remove those accounts immediately! 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: Debt collection

Citibank N.A. Sold my information to a 3rd party Debt collection agency without my knowledge. 2. The debt that is said owed is incorrect. 3 The account has been charged off since XX/XX/2022 so the information is incorrect. 

By Law and under the Fair debt collections practices, Citi Bank N.A has violated all practices involving collecting a debt. By sharing my information with debt buyers. 

Citi bank N.A. has also violated Taxation evasion. By Law if this account was charged of whether bad debt or discharged it should have been reported to the IRS in XX/XX/2022. 

As a consumer and tax payer i am obligated to report all charge off or discharged debt as income to the IRS. As I did. 

Citi bank has violated this consumer by breaking the laws of FCRA, Bills of exchange, Tax laws of the US.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  15 USC 1681 Section 602 states that I have the rights to privacy. 

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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 I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX. I have filed for a XXXX rehabilitation program and completed the program. According to the agreement, they were suppose to remove every derogatory and negative items on my reports for that account. I have submitted the information to XXXX and they honored it and removed it but Transunion is failing to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} and XXXXXXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}. Please remove.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes particularly in light of the recent CFPB lawsuit sinificantily highlighting issues with the system. Despite using zelle on multiple occassions and reporting discrepencies my financial institution and zelle failed to investigate adequately. They informed me that tracking transactions and recovering funds was impossible. The CFPB findings indicates that zelle has not only negated to protect consumers but also let repeat offenders exploit the system but left us consumers unprotected and vulnerable to continous scams.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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: Debt collection

XXXX XXXX was included in Bankruptcy XXXX XXXX, filed XXXX XXXX, and was Discharged XXXX XXXX. I have disputed with the credit bureaus and the ruling of my dispute always comes back that the information was a Verified and found as accurate. This account needs to please be IMMEDIATELY removed from all three credit reporting agencies as this was clearly included in Bankruptcy XXXX XXXX in XXXX, Washington. This account has been for many months placed in and been allowed to continue to report to a COLLECTION as it is stated on the FQA on the CFPBs website. When asked can a debit collector place an account that has been placed under The Bankruptcy protection laws and was DISCHARGED IN BANKRUPTCY COURT, can a debit collector try to collect on a debt or place a debt into a collections status or can the debit collector continue to update or report in any fact of the law.

The answer from the CFPB is as follows, ( and this is taken directly off of the CFPB WEBSITE as I stated a few moments ago, it reads, A creditor or a debt collector CAN NOT TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY COURT!

I have submitted XXXX pages of documents from the Federal Court in XXXX, Wa. That clearly states that XXXX XXXX was FILED AGAINST ON XXXX XXXX and the Bankruptcy Court in XXXX, Wa. DISCHARGED ANY DEBTS KWING TO XXXX XXXX ON XXXX XXXX! 
I believe the fair solution to this is to IMMEDIATELY REMOVE FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

Transunion is now the direct cause of me being unable to lease and move to a new location. After receiving dispute information and all information about deletion of fraudulent accounts Transunion ignored and refused to run FCRA disputes. Even when provided with corrected XXXX  document it Transunion refused to remove fraud accounts. Transunion then tanked score even more further resulting in denial of credit. Transunion is 100 % at fault for failing to resolve issues and should paid for all mistakes past and present with the required fees. It can be shown in the past that Transunion has failed on numerous occasions to resolve issues and due to the recent denial of loving space and punishment of credit score should be 100 % liable for all damages
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute a number of errors, discrepancies, and unfamiliar accounts that have surfaced on my credit report.
Product: Credit reporting or other personal consumer reports

- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX requested deletion of several inaccurate un verified accts. texas atty general child support ( equifax never investigated ) XXXX  credit card ( Equifax said updated info ) XX/XX/XXXX 2nd request atty general ( never investigated ) I sent copy of court papers. still nothing. XXXX card asked for delete of inaccurate unverified acct. ( Equifax said updated ) still reporting incorrect info. during this time XXXX and XXXX deleted these accounts due to not being able to verify acct. XX/XX/XXXX third request to delete inaccuarate unverified accts. sent second court document for atty general ( no investigation done ) XXXX account I asked for who, how and documents on investigation and received nothing accept ( verified )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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

Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to correct the following late/open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$9900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage owned by Quicken pulled my credit report without my or my wife 's authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open account with Wayfair through Comenity Bank. The company decided to change lenders to XXXX. Individuals who had the credit with Comenity bank were not offered the opportunity to switch to the new credit issuer. My account was closed and as a result, I paid my balance in full. I did not receive any additional information concerning the account until 2 months later where I was informed, by mail that I was past due for the amount of {$12.00} dollars. This amount was posted on my credit report as I owed {$12.00} and that I had a delinquent account. I have not been late on any payments or have any late payments on my credit report because I was in the process of purchasing a home. I had no way of knowing that I was charged anything on my account, which later I found was for interest after they closed my account. Since my account was closed, I did not have access to my online credit account. I disputed this account multiple times with the credit bureaus and spoke Wayfair directly and was informed that it would be removed from my account. The delinquent accounts are still on all three of my credit accounts. I would like the accounts removed as the {$12.00} was removed from the account by one of the Wayfair representatives and I was told that the delinquent report would be removed from my account.
Product: Credit reporting or other personal consumer reports

Experian in the last 2 days have notified me that they are currently still working on the issue that they NOW have stolen 18 months of on time never late payments to XXXX and refuse to give them back and in the past 2 days the have closed 7 complaints that are EXACTLY the same as the ones they are still working on EXPERIAN IS DELIBERATELY KEEPING FROM MY SCORE THE CORRECT INFORMATION WRONG TO PUSH LOANS AND CREDIT CARDS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving
Product: Credit reporting or other personal consumer reports

Ive sent over serval documents that provide proof of my address and that the address being reported on my consumer report is not mine. They have ignored several of my request. I am filing aa complaint to have this information removed as it is affecting my. consumer report with false information. 

The inaccurate information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX
Product: Mortgage

I was in the mortgage process. The agent informed me that they were doing a 10 percent down program and all I needed to do was pay a XXXX dollar fee in which I paid. 2 months later when it got very close to closing he informed me that he apologizes and that the program Is not longer available and that he missed the memo that was explained that to him and that he would refund me my fee. He is now refusing and refusing the answer my calls and emails.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Most of the things on my credit report are old, like XXXX XXXX XXXX, and being sailed to a third party, also, some of my reports are hard hits that need to be removed.
Product: Credit reporting or other personal consumer reports

Vystar after seeing that you are not in the interest of compliance with any of the federal regulations that govern your industry be aware that I am filing a lawsuit against your company for violating the law of the FCRA and refusing to provide any further cooperation in this case regarding the identity theft in the checking account.
Product: Mortgage

I closed on refinancing the mortgage ( with Citizens Bank ) on my home on XX/XX/2022. The original mortgage was also with Citizens Bank. Payments for the original mortgage were made by auto-pay from my Citizens Bank checking account. During the application process the Citizens loan officer neglected to provide the document to stop auto-pay on the original mortgage. On XX/XX/2022 a payment was deducted from my checking account for the original mortgage which had already been paid off at closing. 
I notified the loan officer, customer service ( several times ) and visited a branch. All except the loan officer insured me that the payment would be refunded. I wrote a letter to customer service explaining the problem. A representative contacted me and promised to intercede and call me back with an update. When he failed to call back, I called him and he insured me that the reimbursement check was mailed on XX/XX/2022. That contradicted information that I had received from customer service saying the payment was mailed on XX/XX/2022. It appears that Citizens Bank does not have a process or procedure in place to resolve my concern and they aren't working uniformly.
Product: Credit reporting or other personal consumer reports

I apparently was added as an authorized user without my permission. I did not give my social, and I did not sign anything. When I was checking my credit report, I found that I have a Macys authorize user credit card that is now on my credit report. I did not authorize anyone to add me as a XXXX authorized user.
Product: Debt collection

I had a lease with an apartment complex that i was unable to complete.due to my job and lack of work. I spoke with them and worked it out that I would leave the place early. Leave it spotless and they would keep my deposit and get it rented out asap. Now i see a collection on my report for that of XXXX. I have not recieved notice of the collection and the company won't listen to what i tell them about what i worked out. Please help me remove this from my report. It should not be there and it is causing me to not be able to get a good rate on loans. thank you for your help in this matter.