23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in a Repayment Plan for my Mortgage with M & T Bank who has XXXX XXXX XXXX assigned to my account. In recent correspondence received from M & T Bank dated XXXX/XXXX/XXXX. M & T Bank states that no payment has been made to my account since XXXX/XXXX/XXXX although XXXX affirms payments have been received this Fiscal of XXXX during that period. M & T Bank is reporting delinquency for periods dating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which is inaccurate according XXXX records and what is beig reported to the respective credit bureaus. In addition, there is a suspense balance that resides on my account for {$1000.00} with no clear appropriation for these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is my XXXX complaint filed against XXXX. On XX/XX/XXXX my mortgage was transferred to affiliate company Shellpoint. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by HAF to be transferred to Shellpoint. These XXXX companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to XXXX both on the first of each month. I have sent in an escalation to HAF in regards to missing payments in XXXX. I was notified that Shellpoint received XXXX payment from XXXX on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to XXXX for XXXX or a current payment sent to Shellpoint for XXXX. Shellpoint Customer service is unsure?? According to Shellpoint customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to XXXX as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from Shellpoint for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX  and also my State Senator!
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 failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions were 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 and XX/XX/2019 AMERICAN EXPRESS add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The INQUIRIESlisted below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My Chase checking account submitted AND payed a XXXX payment to a XXXX XXXX for {$880.00} on XX/XX/2022. I've contacted Chase and filed a dispute only to have it denied a few weeks later. I do not know this person or did not make the payment to this person. The bank will not give me XXXX 's email address or phone number so I can contact this person about this transaction. I went to the bank last week but they just had me call Chase customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Exquifax and XXXX  are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Jefferson Capital Systems on all 3 credit bureaus. XXXX and XXXX removed it from my report but XXXX left it on
Product: Credit card or prepaid card

I have a credit card with Capitol One to which I did a balance transfer based on their advertisement of 18 month free interest. Now that I am nearing the end of this period they will not provide me with any information regarding the end of this term. They will only confirm it via phone which makes me very uncomfortable as I believe they are setting me up for failure and an eventual default. I spoke with XXXX employee ID XXXX who stated they do not provide any tangential proof to confirm this end date that was not adding up to the 18 month mark. The employee was rude in responding to my requests to explain why on the chat system online a XXXX date had been confirmed and now he is stating the expiration of the deal is in XXXX. This felt very suspicious. This information is not listed on my statement or online. This date is only confirmed via phone representative which is unreliable should I have an issue later on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have apparently been impacted by the Equifax breach, which occurred between XXXX and XXXX, XXXX. I have applied for a 90 day fraud alert and am considering freezing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  is different on each bureau the last reported dates do not match and the date last active is reported Different on each report 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Vehicle loan or lease

I was behind on my car payment with Prestige Financial. I was trying to work out payment plans as I was off work for a while. No notice of a repossession was sent to me they came at XXXX in the morning and took my vehicle it is at Auction as we speak to get sold. It isnt showing on my credit as repossession it is showing as an open Auto loan. I am trying to get a car so I can get to work and cant because of this mess. This company was not willing to help and wont communicate with me since they took my car without notice. I still have both sets of keys.
Product: Credit card

Good Morning, I filled a dispute on a XXXX transactions to XXXX on my Credit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX and got XXXX year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 
Attached is the XXXX mail I send out to XXXX and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX to cover the cost and they are investigating. one of the credit card company has already refunded my money. but XXXX is hard to work with.
Product: Debt collection

Keep calling in an attempt to get this paid and corrected but can not get in touch with company. Keep getting busy call back messages. They reported this debt on my credit and Im trying to reach them to pay this off and get it off my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I subscribe to Identity Force protection services and received an alert that there was a new short term loan inquiry from Lender Name : XXXX XXXX XXXX  Lender Phone : XXXX Date Of Activity : XX/XX/2023 XXXXXXXX XXXX  Loan Type : Payday Loan Last 4 SSN : XXXX Alert Type : New Short Term Loan Inquiry Address 1 : XXXX XXXX XXXX Address 2 : LenderAddress2 City : XXXX XXXX XXXX Zip : XXXX State : WI I did not apply for a payday loan and I have never heard of this company. We called them and asked how they received my information and they told us I didn't exist in their system.
Product: Vehicle loan or lease

I submitted 3 letters asking to Rescind the Contract for discovery of Fraud found XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX American Credit Acceptance XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Right of Rescission Dear Dealership I, XXXX XXXX, Original Creditor and Natural Woman hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with AMERICAN CREDIT ACCEPTANCE on XXXX XXXX I entered into this contract agreement with AMERICAN CREDIT ACCEPTANCE without : I. Full disclosure of my right to rescind XXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that AMERICAN CREDIT ACCEPTANCE willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$990.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. 

Furthermore, the down payment reimbursement of {$900.00} shall be made by check or mailed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 

DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS! 
IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. XXXX  has placed an closed Entergy bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid 3years earlier. All three credit beau XXXX XXXX and Equifax are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XXXX inquires that is not mine. Equifax is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX  and XXXX is reporting a address XXXX XXXX XXXXXXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.
Product: Credit card

I had put in a application in good faith and credit was not extended to me, my application was denied on XX/XX/2023 and I called American Express saying regardless of yours reasons for denying me my access to credit and taking an Adverse Action Notice against a consumer is Against The Law According to 12 CFR 1002 under the Equal Credit Opportunity Act along with The Consumer Credit Protection Act that's called Discrimination. I also asked if my application could be Retracted but they said it's been past 60 days and we longer have the application since my Social Securitiy Number an Unauthorized Use Of ( Credit Card ) was used and I did not recieved NO Benefit aaccording to 15 USC 1602 ( P ) ( I ).
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company AFNI A clause in the original signed contract that authorizes you to collect on this debt. 

ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
Product: Checking or savings account

Since last year XXXX Citibank has had a promotion of {$1500.00} bonus in you open a checking account with {$20000.00} and keep it for 60 days. 
On XX/XX/XXXX, I opened online a checking account with Citibank with {$200000.00} with incentive that I would receive {$1500.00} bonus. Sometime in XX/XX/XXXX, I stopped at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Citibank branch. I spoke to XXXX XXXX XXXX XXXX, Personal banker phone # XXXX XXXX XXXX who stated that I would have to keep the account open for an additional 90 days to get the bonus and I did. Now Citibank refused to give me the {$1500.00} bonus. I want the {$1500.00} bonus. I went back to the Branch and XXXX XXXX opened a case for me and Citibank still refuses to give me the money