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

My credit report is saying I have a over the limit credit card with Capitol one with a {$200.00} limit and is saying it is over the limit. This card does not exist. I called Capitol one to confirm this card does not exist and it is still on my credit report. I have one credit card with capital one and it is showing two different accounts
Product: Credit card or prepaid card

Cfpb : discover recently sent a bill, after a call stating payment was need payment was made but agent didn't state that a XXXX interest charge was include that should have been liable to the negligence.
Product: Checking or savings account

On XX/XX/XXXX a purchase was made at XXXX for over {$1400.00}. Wells Fargo is trying to hold me responsible for the charge that I did not make. I reported a lost card and had that one cancelled and was reissued another card.
Product: Credit reporting

On XX/XX/XXXX, I disputed the account balance for XXXX on my credit report with Equifax ; however, Equifax claimed that the reported balance was correct. However, I obtained documentation directly from XXXX that has my balance reflected as {$200000.00}. 

Moreover, my Equifax credit report is not illustrating that my all my payments for XXXX have been timely for XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Finally, I previously submitted information to Equifax illustrating that the payment for XX/XX/XXXX was not 30 days late which you will find attached.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. 

PLEASE REMOVE ALL ACCOUNTS THAT ARE IN VIOLATION IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelle 's 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired XXXX, XXXX, Equifax. I noticed an unauthorized inquiry made by your company EQUIFAX MORTGAGE SERVICE on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

This account was disputed 2 months ago and the creditor could not provide any evidence such as validation of who the account belongs too or correct account information. They didn't show proof of account ownership. The debt collectors removed the account and then the account reappeared. Which in all violates FDCPA 15 U.S.C. 1692 and Fair Credit Reporting Act 15 U.S.C. 1681
Product: Credit card or prepaid card

I recently saw a copy of my credit report and saw several inquiries that dont recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX CREDIT CONTROL CORP # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Mortgage

US Bank is colluding with attorney XXXX XXXX to foreclose on my house and use the proceeds to pay themselves.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I am needing to get a duplicate title from the State of Iowa in order to register my vehicle in Kansas. The original title was sent to me from Toyota of XXXX XXXX but was lost in transit. I was told the the lien holder Toyota Financial Services was required to send in a request for duplicate title. I contacted them on XX/XX/XXXX to request the duplicate title and was told the the request was put in, and would take about 2 weeks for them to get the duplicate title back and then they would send it to me or the DMV. I have since called them on XX/XX/XXXXandXX/XX/XXXX checking on the status each time they have told me that they have not received the title from the State of Iowa yet. So today on XX/XX/XXXX I called the XXXX County Treasurers Office who the request would be sent to and was informed the a request for the duplicate title was never received, and it is only a 1 day processing time to get that duplicate title sent back out. When I called back to talk to Toyota Financial Services the resolution specialist then told me it would be 4-6 weeks for them to send out the request. I dont have 4-6 weeks, the vehicle I purchase needs to be registered by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX IS NOT RESPONDING TO ANY OF MY DISPUTES AND COPIES OF MY IDENTIFICATION HAS BEEN PROVIDED ON SEVERAL OCASSIONS. SEE ATTACHED COPIES OF DISPUTES THAT HAS BEEN SENT TO XXXX, XXXX AND TRANSUNION. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

I WANT ALL OF THESE ACCOUNTS EITHER VERIFIED OR DELETED
Product: Credit card

On XX/XX/year> I received a notification on my phone for a purchase of {$1500.00} on XXXX. I immediately contacted them and PayPal regarding an authorized charge. PayPal immediately denied my request and said it was because they saw no unauthorized logins to PayPal. I contacted XXXX and they responded that they agreed to the refund and unauthorized charges. They returned the digital product back to their site and said they completed my return and it would be 3-5 business days for the money to show up. I reached back out to PayPal to contest their denial explaining that the login was not on PayPal but on XXXX. I also stated that the reason needed to be changed because the company said they were processing the refund, but I had not yet received it. They then denied that request stating that the issue had been addressed correctly. If that were the case then I would have my money. XXXX just tells me to contact the financial institution. No one is assisting me to get my money back. And today passed the 5 business day mark that I was quoted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax and XXXX that I am an Authorized User on XXXX Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX has 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX I was informed that InDebted had taken over my account from UpstartXXXX. The amount was XXXX. 

On XXXX XX/XX/XXXX contacted XXXX with a verification letter. 

On XXXX XX/XX/XXXX contacted XXXX with a validation letter requesting a purchase agreement. 

XXXX XX/XX/XXXX XXXX responded saying the account was closed. 

The purchase agreement was never disclosed and without that agreement the current amount is inaccurate. Furthermore, if the account is closed it should reflect on all credit reporting agencies. 

I have attached all letters and their response.
Product: Mortgage

I submitted a short sale package in XXXX 2014. US Bank has not given me an answer to my request. I believe a year is more than enough time for US Bank to review and give me an answer.
Product: Debt collection

IQ Data International has called my husband multiple times including at his place of work during business hours to discuss collecting a debt that we have already explained is not valid and is being disputed. The collector ( s ) on the phone where disrespectful, aggressive, and threatened to continue to call back. The collector ( s ) have not respected our request to not call back and not call us at work. The so called " debt '' in question is being disputed as the amount is not accurate, and the business ( XXXX XXXX XXXX ) was reported to the XXXX  ( XXXX  CASE # : XXXX ) due to their unethical and irresponsible practices. We have tried to resolve directly with the business since day one but the business has been unresponsive and wont hear our dispute which we have provided evidence for in writing. The " debt '' was sold within 2 weeks to a collection agency and none of our emails or communications where responded to. The collection agency has not validated the " debt '' or the amount. We have not received anything in writing from anybody at this point. Both my husband and I have exceptional credit scores and an excellent credit history, and always pay what we owe on time. This debt is not valid and needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and  XXXX  ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order  Please remove these inquiries from my credit reports immediately.
Product: Student loan

I have reached out to Mohela several times for a update on my loan forgivingness and they just keep telling me they're working on it. I have not received any updates and my loan should've been forgiven based on the guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX ) & XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and received medical attention and left a bill with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, The XXXX XXXX XXXX on XX/XX/XXXX and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Mortgage

I was informed via email on XXXX XXXX, 2016 XXXX the day of closing XXXX that Bank of America would not close my loan due to an active redemption period on the home. I had been working with XXXX XXXX since XXXX XXXX, 2016 when I received conditional approval. On XXXX XXXX, 2016 I submitted my loan application along with the sales contract and other related documents. The sales contract included a foreclosure acknowledgment. 

Throughout the loan application process, I provided requested documentation in a timely manner. I would also call XXXX XXXX to inquire about the status of my loan application and ask if any additional documentation was needed. I was constantly assured that everything was moving along as planned and that there were no issues with my application. 

On Monday, XXXX XXXX, 2016 I called XXXX XXXX, loan processor, to inquire about the status of my loan and to determine the final closing costs. Please note this was my first time speaking with XXXX XXXX, and I had to initiate the call. XXXX XXXX stated she needed a few more documents, but assured me my loan would be ready to close on XXXX XXXX, 2016. She was unable to provide the final closing costs at that time ; however, she stated she would call me Wednesday, XXXX XXXX, 2016. I called XXXX XXXX on Wednesday, XXXX XXXX and left a voicemail. I never heard back from her. I was informed the closing attorney sent XXXX XXXX documents related to the bond of redemption, and XXXX XXXX never responded to the email. 

On Monday, XXXX XXXX, 2016 ( the day of closing ) I receive an email from XXXX XXXX stating my loan would not close. I am extremely dissatisfied with the service I have received with Bank of America. I find this very unprofessional and irresponsible. I should have been informed that BOA could not close my loan earlier in the process instead of on the day of closing. There is absolutely no excuse for practicing business in this manner. 

I wasted valuable time and money by choosing BOA. Someone at their organization dropped the ball on my loan application, and it is impacting me negatively. Now, I am left to find a lender who can process my loan in a short amount of time since I was prepared to move into my new shortly after closing. By using another lender, I am forced to start the loan application process all over again. Interest rates have increased since I was locked in at 3.5 %. Now I am looking at higher monthly payments. I will also have to pay for another appraisal. 

My loan was not closed as it should have been due to no fault of my own. As such, I believe I should be compensated for wasting my time and money. I requested that BOA refund me the cost of the appraisal and credit report, {$470.00}. However, they have been unresponsive.