23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019, my family and I arrived at the XXXX XXXX XXXX   after having made a reservation for a one night stay on XX/XX/2019 through XXXX XXXX   using our Citi card for {$430.00}. We were told by the hotel manager that no reservation could be found and they told us to contact Citi to dispute the charge. We reported the dispute immediately on XX/XX/2019 and arranged for a stay at the XXXX XXXX   using other means. 

A few months later, we noticed the charge was reversed back to the card. Citi said they investigated and the provider provided false claims that they did make the reservation. I contacted the hotel manager and had her provide documentation that states that the XXXX XXXX is not a third party they do business with. I also found numerous complaints on XXXX   XXXX online for the same exact scam. 

Citi claimed to have made every effort to resolve this dispute with the merchant and/or their bank but had not been successful. They said the merchant is not willing to issue credit to our account and that they no longer have any additional recourse to pursue a credit for us through the dispute process. They advised us to seek other means to resolve this matter and that their investigation remains closed. 

I tried to contact the merchant. They will not answer the phone. Citi abandoned us. Citi did not do their due diligence in protecting the consumer when ample evidence was supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I opened a Lowes Rewards consumer credit card in XXXX of XXXX an initially was given a {$1000.00} Credit Limit. I used my card frequently and had no issues, In XXXX of XXXX I applied for a credit line increase and received an additional {$1000.00} making my credit limit {$2000.00}. My highest balance that I had on this card was {$1400.00}. All of my payments since opening the card were set on autopayment. I received a letter on XX/XX/XXXX stating that Synchrony has decided to close my account. The reasons Synchrony gave are listed below : reason ( s ) for our decision are listed below. 
Lack Of Real Estate Secured Loan Information Too Few Bankcards With High Credit XXXX Too Many Inquiries Unpaid Collections All of the above items were in place when I opened my account. I own my home free and clear without any mortgages. I am XXXX XXXX XXXX and I feel that my age has something to do with the reasoning for closing my account. Synchrony Bank 's scoring model I feel is biased on age. The result of this account being closed has caused my credit score to plummet and now trying to replace that card has been impossible with the closing of my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Debt collection

This is my SECOND attempt at resolving this claim. I was last referred to fill out a Identity Theft Report. This report is NOT VALID as this is not Identity Theft. The account is NOT UNDER MY SOCIAL or birthdate. This is NOT IDENTITY THEFT. The company doesn't have my social OR BIRTHDATE. NATIONAL CREDIT SYSTEMS INC,  showed up on my credit report with an original creditor of XXXX XXXX  in XX/XX/XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manageXXXX at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
Product: Mortgage

Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.
Product: Mortgage

I applied for a loan with East West Bank and it has taken them months to close on the loan although I was approved almost a month ago. My XXXX XXXX XXXX son and myself have been staying in a hotel for the last XXXX week being that I have no where to go and they keep missing the closing dates. They do not respond when asked for a update and give you the run around stating that someone else will follow up with up and they never do. My final closing date is XX/XX/XXXX and the seller will not extend this again.
Product: Credit reporting or other personal consumer reports

I signed in Experian this year to find out that i had wrong information on my credit report on XX/XX/XXXX I sent a dispute and nothing happened.
Product: Debt collection

I have received numerous letters of debit collection from XXXX XXXX regarding an alleged debt owed to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX, and when I requested a letter stating such i was informed that the account had been closed. I further requested a letter stating such and was informed that XXXX would not forward a letter to me the consumer. So, i further asked if XXXX would inform the credit agencies and the representative for XXXX hang up the phonw.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as the information that resulted from an alleged identity theft, not later than 4 business days Ater the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION.
Product: Debt collection

I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent United Collections certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once againthis alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Debt collection

The original debt was owed to XXXX, who obtained a judgment against me. I paid them in full. A third party collector contacted me several years later, stating they would garnish my wages or levy my bank account if I did not pay. I told them the debt was paid in full, and provided proof. They stated the proof was not good enough. I have transcripts of internet conversations with XXXX that shows I have a zero balance and they state that they did not send this account to collections. The more information I provide to the law firm collecting my debt, the more they say the proof is not enough. To prevent them from garnishing my wages or levying my account, I have paid them for several years on a debt they know is not valid. They will not give my money back, and will not contact my attorney as she requested. As of right now, they have approximately {$1000.00} of my money that is not owed to them. I have been fearful of stopping payments because when I do, I receive letters detailing that they will take all legal action against me. I have a young daughter at home to provide for, and I can not survive if they levy my account. I feel as though I 'm being extorted to pay a debt that has already been paid, almost twice now.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my Concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that covering lost funds Was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Someone got a rental using my information and its affecting my credit report XXXX Amount : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I moved from XXXX XXXX XXXX XXXX XXXX. At no time did I authorize XXXX to renew my membership as there is no store near my new address. Evidently they auto renewed and did not have my new address. This resulted in additional charges and referred them to a collection agency. I was called by the agency around XX/XX/XXXX and explained what happened to them. They had me call XXXX  who canceled my membership and on XX/XX/XXXX refunded the change. On XX/XX/XXXX all charges were canceled per the collections company. I confirmed that with them and XXXX bank. However the negative report remains on my credit reports and has lowered my score significantly. I am in the process on obtaining a VA loan and my interest rate is significantly higher due to the negative report.Score went from XXXX  to now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX  XXXX late payment Please remove from my report XXXX  XXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXXXXXX XXXX please remove from my report XXXX XXXX  Please remove from my report XXXX of XXXX Please remove from my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.
Product: Money transfer, virtual currency, or money service

I am reaching out to formally express my concerns about Zelle 's approach to handling disputes, especially in light of the recent lawsuit from the CFPB that underscores significant problems with the platform. Despite having used Zelle multiple times and reporting discrepancies, my financial institution and Zelle have not adequately investigated my claims. They informed me that they are unable to cover lost funds and that tracking these transactions is not feasible. The findings from the CFPB reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, putting users at risk of scams. This lack of accountability and transparency is unacceptable and raises serious questions about consumer safety.
Product: Debt collection

I have a Judgment against me XXXX XXXX XXXX XXXX, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXXk located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a liquid money debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has 4 XXXX half dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection XXXX or XXXX do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.
Product: Debt collection

I do not owe this debt, I also never received a letter informing me of this debt and the chance to dispute it prior to it be placed on my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting on my report ( XXXX ) 30 days late payment for XXXX and XXXX when the account was current and up to date until pay off amount which was paid at the beginning of XXXX and my payments aren't due until the XXXX of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my Trans Union and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Product: Mortgage

What Happened? 

Subject : Key Bank National Association " Key Bank '' extending processing, not evaluating documents properly. XXXX submitted XXXX requesting modification result from Separation settlement. XXXX has noted that a financial hardship does exist as a result of the marriage separation due to the extra cost involved. XXXX has provided all required documents to Key Bank, only to be denied. Key Bank commenced double tracking while homeowner was acting in good faith under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. 


Key Bank is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that her case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. Currently there is no single point of contact assigned to the pending foreclosure. 
3. I am qualified and able to request the MP2 modification via the National Mortgage Settlement Agreement and the DOJ Department of Justice XXXX States Attorney General 's Settlement Agreement. 
4. Homeowner is eligible under the CFPB Consumer Finance Protect Bureau guidelines : to request a XXXX mortgage principle reduction and or the HELOC forgiven. 
5. Homeowner has a XXXX mortgage and HELOC with Key Bank Account numbers : 1 ) XXXX and 2 ) XXXX. 
6. Key Bank has made a formal demand to start foreclosure proceedings on the Account number : XXXX : dated XXXX XXXX, 2015. 
7. Key Bank has started a double tracking procedure on XXXX XXXX, 2015 while homeowner is trying to work out a solution with in the HAMP guidelines. 
8. Homeowner is in a state of fear created by the collection tactics by Key Bank collection department. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing the processing center unable to handle homeowner 's caseloads, a form of mortgage discrimination against homeowners.
Product: Credit reporting or other personal consumer reports

Theres credit card debt that doesnt belong to me
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

Improper Verification Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information.

Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful.

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.