23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I refinanced our home in XX/XX/XXXX, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In XX/XX/XXXX, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the loan was sold to call the other Mortgage Co. so I did. They wanted me to fill out paper work for Act 91, so I did. After, sending the paperwork in by mail and fax they always lost my paper work, so I would re send it always. Now, after not paying them for about a couple months, the loan went into Default. I called them and said what 's going on? They always said the paperwork was missing, they did n't get it, they just gave me the run around. I have gone to counseling twice. Now, my house went into Foreclosure and at that time I was in the middle of filing bankruptcy. My house was up for Sheriff 's sale in XX/XX/XXXX and it sold, but I was still in the middle of filing bankruptcy. After all this happened I went back to my paperwork to read the agreements again. I am finding that when my husband and I refinance our home in XX/XX/XXXX, the bank messed with the paperwork. To make it look like I was the main bread winner of the household, I was n't, my husband was, so what they did was used my credit ( caused I had good credit then ). with my husband 's income. No bank in there right mind would give me a loan of that size no matter how good my credit was. My husband, his credit was no good. Of, course we did n't know the bank or the agent did this, we trusted them and signed the papers. Now, the house is up for Foreclosure again.
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Payday loan, title loan, or personal loan

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2022 and 60 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which indicates the report by more than seven years.

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

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my consumer report that should not be there. XXXX XXXX XXXX ( XX/XX/2021 ).
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, XXXX, and Experian with a car loan company, XXXX in which each company reports late as of XX/XX/XXXX. As this is untrue, I relinquished the vehicle in XXXX yet its being reported as though I have XXXX XXXX XXXX  day lates. How can I have that many XXXX  day lates reject and am offended by XXXX, XXXX, and Experian reporting this erroneous information. This is keeping me from getting a mortgage and other credit. XXXX XXXX XXXX has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly as should anyone any consumer any American.
Product: Debt collection

CBA reported multiple derogratory remarks on all three credit bureaus reports about a debt with XXXX XXXX XXXX At the time of service, I had active medical coverage through my job. I should have never been charged for services while having adequate medical coverage that covered all procedures done.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report.

6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Prepaid card

Bought AMEX electronic gift card/prepaid card for {$300.00}. This is not accepted in almost any online store and I have been declined at ALL ONLINE AND IN STORE PURCHASES. 

no longer owned by amex
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report with Trans Union i have called mulitple times to have these removed but they Firmly reject my request upon telling them that those inquires are not done by me i dont know where they come from there is no signiture barring my name for those companies to pull my report the inquires as follows. 

XXXX XXXX ( XXXX XXXX ) -XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) -XXXX  XXXX  ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) -XXXX  XXXX ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) As requested i would like these removed.
Product: Credit card or prepaid card

I received this credit card in XX/XX/2020. My initial credit card limit was {$9400.00}. As of XX/XX/2020, First National Bank of Omaha decreased my credit card limit to {$500.00}. I have not had any late payments and I have not had any high balances. This is horrible customer service, especially during the pandemic of COVID-19. I contacted the bank and they informed me that I just have to accept this and that there is nothing that they can do about it. I need to be treated fairly and have my credit limit returned to its original amount.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 

Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 


I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 
Communication I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 
Compensation Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX  Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My backround check on criminal history it lists the court file and charge then stats " no court record found '' so why are you still reporting it. Under my name A.K.A 's are listed and I have never heard this name ever so I want to know how or why your linking me to somebody I've never heard of. 
So if we aren't suppose to furnish personal information like our name how are you suppose to look into it and fix it???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting two public records ( bankruptcy ) on my report which i have even sent in a letter to them saying that the court house does not disclose or release information to these companies,
Product: Credit card

I have had a credit card with the Home Depot for the past 2 years 5 months and 16 days ... As of a few days ago they decreased my credit limit from {$10000.00} to {$3900.00}? 
Since I bought my house I had 2 major purchases from them with other purchases in between... 
The 1st major appliance I bought on XX/XX/XXXX from the Home Depot under a 12 month no interest purchase and they got me really good because I did not know any better and at the end of the 12 month I ended up paying the deferred interest and I did not make any complaints about it... 
Sucked it up and paid that deferred interest and didn't purchase anything else for over a year... 
My late payments are as follows on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XXXX of XXXX I seen a frig that I really wanted and decided to purchase it for the amount of {$3100.00} + warranty for {$310.00} for a no interest payments for 24 months. 
I was not crying when they over charged for {$6900.00} for 2 refrigerators and 2 warranties along with a no interest plan for 12 months. 
Which took one billing cycle to fix. They also charged me a double payment for their mistake? 
I have been a great consumer with Home Depot and I know that it is against the federal law to decrease ones credit...
Product: Debt collection

Friendly Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

Somehow someone in XXXX  withdrew all of my money from an atm. I still had my card on me and never gave out information. I live in XXXX XXXX. The withdrawals were {$500.00} and {$1000.00}. I reported this to chime and even got a police report. They told me that they were going to investigate this and that I would definitely get my money back. A few hours later, I got emails for both disputed charges at the same time. They both said that they found that no error occurred and that no funds will be credited to me. I looked online and this apparently happened all the time with this company. Someone stole my info from them and cleaned my account out and they wont do a thing. Please help. Thank you!
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXX XXXX Account Number XXXX XXXX Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection Transunion XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - Late/Closed XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXX XXXX  XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$80.00} - Collection
Product: Mortgage

Greetings, Once a year, the company which holds the mortgage on my home, PHH Mortgage will send me a check for any overage I have on my escrow account. Since XXXX, I have been waiting for a check for more than {$900.00} dollars. To date, i have not received the check. The company claims they will send it to me shortly but those claims have been made to me since XXXX. Every time I call to follow-up, I am advised nothing has been done. I am not sure who else to turn to. Thank you.
Product: Credit reporting or other personal consumer reports

My addresses are wrong on my Equifax XXXX XXXX accounts. Im not, nor have I ever been associated with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

the only address 's I've been associated with should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please update and remove these addresses that has never been associated with me. 

My only telephone number is XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Balance : {$620000.00} XXXX XXXX XXXXXXXX Balance : {$5100.00}.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I received a loan from XXXX XXXX XXXX in XXXX, Texas. I was invited to come pick up my {$5000.00} check, but was told I needed to give them my Title as collateral. The invitation I received from them stated I qualified for the the {$5000.00} loan because I have worked hard to rebuild my credit. 
I was told by the branch XXXX XXXX XXXX before I could obtain the {$5000.00} loan, I would have to lower my Automobile Insurance deductible from {$1000.00} - {$500.00} thus leaving me to pay higher premiums throughout the entire loan- until paid. I contacted a friend who studied XXXX law, and stated that was a violation under business profession XXXX XXXX. 

I also had the branch XXXX remove other services that were added to my contract, and he removed them and gave me a form showing he removed those extra services. HOWEVER, as a consumer I'm entitled to a complete and accurate Written contract that shows what I am am paying for, and the services that I agreed to. 
The written contract I have is old and not current, it still shows the services that were removed and these services are still drawing interest. I would like for The XXXX XXXX to meet with me and write me a correct and accurate Contract and removing the services from the contract that he agreed to 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, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle fail to investigate my claims adequately, they informed me that recovering loss was impossible, and that tracking these transactions was unfeasible the CFPB 's finding indicate that Zelle was not only neglected to protect customers, but also allow repeated offenders to exploit the system leaving users vulnerable to scams, on XXXX XXXX a Zelle was sent to a XXXX XXXX XXXX XXXX in the amount of $ XXXX contacted XXXX XXXX once I found out that XXXX XXXX was no longer in business only for XXXX XXXX  and Zelle to deny my claims stating that Zelle does not offer refunds and that my funds aren't protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a potential debt for XXXX XXXX XXXX XXXX on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX XXXX in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my Experian report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.