23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I asked the mortgage company if I can pay my own taxes and insurance and not escrow anymore. I called my XXXX XXXX XXXX The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX in XX/XX/XXXX. I was told that I could if my Loan-to-Valve LTV was under 80 %. I told them it was as my home 's value is {$500000.00} and I owe {$230000.00}.

46.5 % LTV. The Money Source said they have my LTV was 81.3 % and that I still was paying PMI on the loan. I told them that I pre-paid all of my PMI when I originally took out my mortgage in XXXX, before they bought my loan from my original lender. I have called this lender in XXXX, XXXX, XXXX and XXXX in XXXX. I have sent them the builder 's appraisal sheet for my house in my sub-division showing my house now sells for {$500000.00}. The Money Source is telling me that I still have PMI on the loan, but I am not paying any PMI and my records on line don't show any PMI payments being made. Like I stated earlier, I pre-paid all of my PMI when I took out my loan originally. Please help me have them close my escrow account so I can pay my taxes and insurance myself. I have made every 71 payments on time with Money Source. My escrow started at {$500.00} and has gone from {$370.00} to {$1100.00} per month.
Product: Credit reporting or other personal consumer reports

Discover sent me a pre-qualified offer for a personal loan. I responded with the understanding they would do a soft pull first. Instead they did a hard pull and reported it to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal Payday loan who is not licensed to do banking or credit report in NJ and is violating NJ Unsury laws refused to lower the 800 % interest rate. They have then reported the loan on my credit report which the amount is inaccurate. The credit reporting agenccy says it is valid and they can not remove it.
Loan # XXXX Mobiloan
Product: Debt collection

They are calling every  30  minutes throughout the day, every day. I have requested they stop. One woman got nasty with me. I do not know who they are. I have no debts and I do not owe them anything. I have told them they have wrong number. They continue to call!
Product: Credit reporting or other personal consumer reports

I'm disputing an inaccurate XXXX XXXX account ( ending in XXXX ) on my Equifax credit report. This account is reported as charged-off with a {$10000.00} balance, but contains multiple serious errors : Impossible negative available credit of - {$670.00} Balance ( {$10000.00} ) exceeds the credit limit ( {$10000.00} ) No payment history reported despite balance records dating back to 2023 Balance remains static at exactly {$10000.00} across multiple months with no changes These errors violate FCRA requirements for accuracy ( 15 U.S.C. 1681e ( b ) ). I've submitted a written dispute to Equifax requesting immediate removal of this tradeline, but have not received an appropriate response. The account contains so many material inaccuracies that it can not be considered reliable and should be removed from my credit report entirely.
Product: Credit card or prepaid card

CITICARD- I accidentally deleted my user name and password to log onto this account. I had cut up the card associated with it, as it was expired, and I was only paying what was due. When I went to try to recover my login, it asked me for the card number, which I know longer have. I tried doing a " chat '' on the site, and was told no one could help me. I spent an hour on the phone 3 months ago, and no one could help me. I've since seen the balances of my account that are increasing, and I do not know why. I called again on XX/XX/2022, and was told that no one could help me. I wanted to transfer the balance to a different card, and can not do that without the number, which no one will give me. I spoke to a supervisor, and was told it was against their policy, however I'm being charged whatever ridiculous rate that they are assigning, and I don't even have the option to pay it unless I pay out of pocket, and I do not have the funds to do that.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite Zelle 's numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's finding 's indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 

Upon further investigation, I realized that my personal Information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. 



Accounts in question : 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  Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit card or prepaid card

I disputed charges on 6 cards around XX/XX/XXXX by phone and followed up in writing. See attached copy of letter for details. I have yet to receive credit for the fraudulent charges. Your records will show that these fraudulent charges were reported within 90 days of occurrence by phone and by mail. Please explain to me why I havent received credit for the other fraudulent charges. I can be reached at XXXX, XXXX or mail address above. Last contact was letter sent by regular mail on XX/XX/XXXX. As of XX/XX/XXXX no response received from company.
Product: Debt collection

Ive received calls from XXXX XXXX about a debt and Ive been trying to contact them back but no one responds back. Ill actually like to solve the debt but I need a good representative thatll help me out and be honest about the debt and issue since this company has received a lot of negative reviews involving scamming and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment was made through my husbands XXXX XXXX XXXX online bill pay to pay a credit card bill for my Chase Bank credit card from our Joint checking account. Unfortunately I paid my British Airways co-branded Chase credit card in error, which is an account that was closed over a year ago and the payment was supposed to have been sent to my Chase Sapphire credit card, which is an active account. I spotted the error in early XXXX and I contacted Chase Bank. Chase Bank could not locate the payment. My husband requested verification via XXXX XXXX XXXX XXXX online banking message system and they confirmed on XX/XX/XXXX that the payment had been made as indicated on XX/XX/XXXX. I again contacted Chase Bank, and they still could not locate the payment. They told me that if they receive a payment that is sent to a closed credit card account the payment is refused and returned to the Bank. I verified with XXXX XXXX XXXX and the payment was not returned by Chase to the checking account. 

I called chase again and another customer services representative told me I could ask the Bank to reverse the payment, so I did and XXXX XXXX XXXX told me they could not reverse a payment that had already been processed. I called chase Bank again and they asked for proof of payment. I asked XXXX XXXX XXXX to send proof of payment, which they did, and once again Chase Bank said they could not find the payment and that in fact, because the account was closed, they couldn't help me at all and that I should write a letter to the Correspondence Department, which I did on XX/XX/XXXX, and I called chase 2 weeks later and I was told I should hear in 10 business days from the date of my letter, which I did not, and have not more than 1 month later. 

Each time I call chase it takes a long time because they can not find my account as it was closed over a year and I get passed from department to department and then nobody can help me because they each department can not find my account, and once I get to someone that can find the account I am told to write to the Correspondence department, which I have done. It seems there is no way to be transferred or call to speak to anyone in the Correspondence department. You must just write and wait. I have now been waiting for over a month, after many phone calls since XXXX, trying to get back my payment which was made in error in XX/XX/XXXX. 

I can provide immutable proof form XXXX XXXX XXXX  of the payment that was made to Chase Bank to an Chase Credit card account that was formerly owned by myself as detailed on a verifiable credit report CHASE BANK - PLEASE NOTE - in filing this compliant, CFPB asked for a credit card number for reference to assist in researching this compliant, which I have provided. NOTE that the credit card number I have provided has been closed for OVER ONE YEAR so will not be immediately found upon searching. The number I have given is CORRECT.
Product: Debt collection

I got a debt letter from IQ Data stating I owe money to XXXX   XXXX. I have attempted to contact XXXX XXXX, but they have not returned my emails, and I want all contact to be in writing. 

IQ data stated that XXXX XXXX did not have a forwarding address for bills. Which is false. Since I was moving out on a day they were closed they asked me to leave the key and forwarding address on kitchen counter which I did. I have attached email and picture of forwarding address on kitchen counter. 



XXXX XXXX XXXX XXXX XXXX   XXXX  They had my phone number as well as email and never attempted to contact me. Furthermore they charged for 3 months water bill which doesn't make sense since I have been paying water bill every month, and I would only expect the last months bill. Furthermore when I moved in they sold an eDeposit service where I pay XXXX dollar premium and edeposit service pays up for XXXX dollars when I moved out for any deposit owed. 

Here is the information for my policy which XXXX XXXX  told me sign up for. You can't sign up for an edeposit policy independently it has to be done through a participating complex which porterwood was : Thank you! The ePremium eDeposit security deposit insurance coverage has been purchased. 

This is not an insurance policy, but rather an EVIDENCE OF COVERAGE. Details explaining the security deposit insurance coverage being provided are presented below. 

Coverage Purchase Date : XX/XX/2015 Insurance Company Insurance Company : XXXX XXXX XXXX XXXX Customer Service : 1 (  XXXX ) XXXX Insurance Agent : XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX Coverage Details Assigned Coverage Number : XXXX Primary Resident : XXXX XXXX Additional Resident ( s ) : Insured Location : XXXX Fm XXXX XXXX XXXX, TX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Phone # : ( XXXX ) XXXX Security Deposit Coverage Amount : {$400.00} For these reasons I believe XXXX XXXX   is not acting in good faith by not directly replying to me and using a Debt Collection agency. Therefore the Debt Collection agency needs to get the appropriate responses from apartment complex to verify validity of debt.
Product: Debt collection

Upon reviewing my latest credit report, I found multiple accounts that appear to be fraudulent and were added without my consent.
Product: Credit card or prepaid card

I am a XXXX ( XXXX card ) member of American Express for which privilege I pay and annual fee of {$5000.00} a year. I have been an American Express member continuously since XXXX. In short, I am a good customer. I have 4 American Express credit card accounts and for 3 of them I receive statements and pay them in a timely manner. This complaint is about the 4th account- for which American Express refuses to send me statements and consequently is not complying with the terms of the Fair Credit Billing Act, 1974. The Act requires American Express to send written statements to creditors at the address requested by the creditor. I have provided American Express with my home address and I have requested that statements are sent to that address, but American Express refuses to do so. Section 1666 ( b ) a. of the Act states : " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' American Express has not mailed or delivered statements to me. Someone called XXXX called me from American Express on a recorded line and I requested that statements be sent to me in compliance with the Act, but she refused. Now American Express is threatening to discontinue the use of my card
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Debt collection

I payed of an auto debt on XX/XX/XXXX. Before that XXXX XXXX XXXX  who was hired by BCG Equities LLC threatened to garnish my wages and even reached out to my employer on several occasions. I tried negotiating with XXXX and between them being rude and yelling at me it was not getting anywhere. Since I paid the debt off in XXXX I have been trying to retrieve the title to the XXXX XXXX XXXX. XXXX lXXXX XXXX would not give me any information on how to retrieve the title and by mid XXXX I had found out about BCG Equities and was able to find there contact number. Since XXXX I have called them every other week looking for my title and they kept telling me that they were processing it and should be soon at getting it. Yesterday I got a court document in the mail that released the lean from the car signed by the judge, but still no title. I called BCG Equities today and they said that is the best they could do and they did not know where the title was at and that I needed to go to the DMV to file for a lost title when I was not the one that lost it mind you. I explained to him that I would have to pay extra money for this and that I had already paid them for the tags, title, taxes, his response was that's the best I can do. They went in front of a judge trying to get money back on a car that they did not even have documents for, I do not understand how this is legal for them to do this to consumers.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a credit card statement from VISA SIGNATURE - BANK OF AMERICA. A card I never opened or authorized to be opened. 
On XX/XX/XXXX, I called their Customer Service telephone number ( listed on the statement ) XXXX to correct this information. I received a belligerent response and NO satisfaction to correct this fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Debt collection

Call XXXX XX/XX/XXXXXXXX  about the matter but nothing happen with anything I ask them to dispute for me so it was improperly investigated I did it in XXXX with you all also nothing came of it was certified they said but improperly was done with investigation their is also charge off and accounts I need an 1099 c from all creditors onmy account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity was stolen and credit cards open on my behalf.

I made a identity theft report and forwarded to all 3 credit bureus as well  as the furnisher of the account. 
I asked XXXX, transunion and XXXX  to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sold my house in XXXX XXXX GA on XX/XX/XXXX and I had two separate wires done. One to my closing attorney in XXXX, Fl and the other to my checking account at Ally Bank. On the XXXX, I had to pay off my debt with XXXX and pay for a good use car, as well as other minor expenses. However when I met the movers at my condo in XXXX the next day. I couldnt use my debit card to pay, when I called Ally they said since it was a new account I only could have a {$500.00} spending limit for 90 days?! And they suggested to me that I could send the money by XXXX, when I tried to send the funds to my mother who had an account at XXXX. They locked my account and when I called they told me that I couldnt send funds to another bank. They were the ones that suggested it in the first place. They have restricted my access and are supposedly investigating it. I am locked out of my account for almost a week and every time I tried to call for an update they give me a different time on when I should know something and Im fed up with this. This is my money and I havent done anything wrong. If I dont pay my movers soon Im going to loose everything including priceless heirloom pieces. I dont know who to turn to for help. I need access to my funds so I can live my life and take my funds away from Ally Bank. Please help me resolve this! I havent done anything wrong. It would of been a week since XX/XX/XXXX since this has happened and banks are not supposed to hold money hostage for this long. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( Experian and XXXX ) 2. XXXX XXXX ( XXXX, Experian and XXXX ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know  nothing about. 

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

I am filing a complaint against both Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Experian consistency responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C section 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C section 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Experian complies with federal law and provides consumers with necessary proof of investigation. 

Here are the accounts I'm reporting as inaccurate : Here is one report number ; XXXX. 
Date that it was generated ; XX/XX/2023. 
Account Name ; XXXX XXXX XXXX XXXX. 
Account number ; XXXX. 

Another Report number ; XXXX. 
Name ; XXXX XXXX XXXX XXXX. 
Account number ; XXXX. 

If there are any other accounts that are hindering the increase in my credit score/ reputation please remove them, thank you.