23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any INQUIRIES which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; 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 XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

The bank has charged me $  XXXX  /day and  sometimes $  XXXX  /day for  each day my account is negative while I was out of town and could n't deposit into the account to bring it out of the negative. I went to the bank explaining to them the reason for the initial over-draft and the reason for not bringing my account to current. Yet the bank refuses to refund the over-d raft. Currently PNC has  charged me over {$240.00} in overdraft fees within a month for only one overdraft. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of all collection accounts listed under my name on my credit report. If these account is not removed, I will pursue legal action against your agency. 
This demand is based on violations of the following laws : 15 USC 6802-05 : These laws protect consumer privacy and personal information. Your agency has not followed proper procedures in handling my data.

Privacy Act of 1974 : This Act guarantees my rights regarding the use and disclosure of my personal information, which your agency has violated by reporting this account without my consent.

16 CFR 433.32 and 16 CFR 433.3 : These regulations prohibit false and misleading representations in the debt collection process. I contend that your agency has failed to comply with these standards. 
If this account is not removed from my credit report within 15 days of this letter, I will take legal action to enforce my rights under these laws, including seeking damages. 
Please provide written confirmation of the removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and two of my family members ( 3 accounts in total ), we all are unable to access to experian score by logging in because after logging in, it take us to " Payment required '' because the card was expired and I was unable to cancel membership on all 3 accounts and put us on free membership and now we're trapped with no way to cancel paid membership and constant redirecting to Payment page.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX, XXXX, has violated my rights with an unauthorized inquiry on 11/12/21. 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.
Product: Debt collection

We received a collection notice from midland credit management for a debt turned over to them from XXXX XXXX Th original company was XXXX The debt was made XXXX and turned over to midland on XX/XX/20 This is not our account and the address which all this information was sent to is not us as it is in another state.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes. Particularly the recent CFPB lawsuit highlighting big issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Credit card appeared in my name. My personal information was fraudulent used to open an unauthorized credit account in my name without my permission. I have contacted the attorney general after speaking with customer service rep XXXX XXXX who advisd that I do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , XXXX   XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that XXXX XXXX XXXX XXXX added a collection charge off account on my credit report in the amount of {$4300.00}. The company stated the original creditor is XXXX XXXX XXXX. I immediately contacted the company and told them I never was allowed to secure a lease and this account should not be on my credit report. Upon contacting XXXX XXXX XXXX XXXX I was told that they would investigate this matter and remove it from my credit report. However Copper XXXX XXXX and XXXX XXXX XXXX XXXX refuse to remove this fraudulent account from my credit report even though I provided them the e-mail denying me a lease.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that this account be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter. I filed a fraud dispute with Experian and XXXX who has refused to block this account from my credit file even though XXXX did so within XXXX hours of receiving my dispute. I also tried to contact Experian over the phone and their telephonic process makes it impossible to speak with a person. After submitting my dispute electronically through their website I received a response in XXXX hours that the account would remain on my credit report with no explanation. Experian also did not provide me with a signed contract or proof of this account. According to 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit card or prepaid card

I purchased a XXXX XXXX ( operated by XXXX  ), at a XXXX XXXX ( operated by XXXX ) for XXXX on XX/XX/2022. 
The card was activated properly at XXXX. However, the card itself was defective, and I could not access the funds on the card at all, or check its balance online, no matter what I tried. 
I tried getting a refund from XXXX, but they confirmed the card was activated properly and told me to get in touch with the card servicer directly. 
I entered a dialogue with XXXX  the card servicer, but after much back and forth they flat-out refused to refund the card or issue a replacement, saying they did not sell cards at XXXX, an outright lie. 
Barclays was much more helpful, and issued a provisional credit and started an investigation after I opened a dispute. 
However, their initial investigation only dealt with XXXX XXXX who correctly provided documentation that the card was activated properly and that they do not issue refunds on gift cards under any circumstances. 
The Barclays representatives I spoke to understood that the problem was more complicated than this, and accepted new documentation from me on XX/XX/2022, a couple of days after their initial finding came in the mail. 
Unfortunately, Barclays posted the transaction to my account again after their initial finding, even though I provided their requested documentation and the representative told me explicitly the information I provided was enough to win the case. 
It has been more than two months since I provided more documentation, and the charge is still on my card, accumulating interest. The representatives don't have me any additional information whenever I call, besides a verbal confirmation that all my documents are in order and they don't need anything else.
Product: Mortgage

Last week, I applied for a streamlined VA mortgage refinance with my mortgage company, Wells Fargo. I was contacted by their representative, XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX 

XXXX told me that he believe that I would not qualify for a this refinance because it would not lower my payment enough for me to recoup the cost of the loan within a specified time frame. I instructed him that I would pay all loan costs out of pocket at the time and to submit the application anyway. 

I was contacted, yesterday ( XX/XX/2020 ), by XXXX. He told me the loan was denied for the reason that he gave me earlier. I have yet to receive anything in writing from Wells Fargo. I insisted that he ensure that I do. 

There are multiple problems with XXXX and Wells Fargo 's assertion : 1. I already said I'd pay loan costs out of pocket, meaning that there would be nothing to recoup within ANY time-frame.

2. My current payment is nearly {$1200.00} monthly. Wells Fargo 's own online mortgage loan calculator tool shows my payment would most likely be less than $ XXXX monthly. There's no way that I wouldn't recoup my investment even if I hadn't instructed XXXX that I would pay the loan costs up-front. 

3. I've already pre-paid approximately {$20000.00} on my current loan. 

XXXX XXXX and Wells Fargo are not just wrong, they are perpetuating FRAUDULENT banking practices. There is no way that what they are doing is unintentional or some kind of innocent mistake. 

Wells Fargo even refuses to reamortize my loan, taking into account the funds paid toward principal. When I questioned Wells Fargo about this ( well before I submitted for a refinance ) I was told that they COULD NOT do it, and that federal government guidelines prohibited it. I suspected that to be another outright lie as I've had VA loans my whole life and never been declined an reamoritization ( normally, the bank does it on it's own ). 

Why is Wells Fargo intentionally committing fraud? I suspect it is because of complaints I have made to regarding past fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the XXXX XXXX XXXX XXXX XXXX.I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW XXXX. If the documents are not provided it is in direct violation of FDCPA section 809.
Product: Mortgage

JP Morgan Chase offered me a no cost mortgage refinance at 3.275 % in a 30 year fixed rate based on credit and payment history. 

The declined me ( loan # XXXX ) stating type of loan not permitted under program requested. 

I have no active disputes on my credit report, which is the reason cites for loan denial. 
They then suggested I pay to apply for the mortgage refinance. 

This offer and subsequent denial has caused me material harm by way of lost opportunity to refinance when rates were lower. 

Chase Executive Offices has refused to request a manual underwrite for this loan, which is my desired outcome,
Product: Mortgage

I called in around mid-late XXXX to change my monthly payment amount to apply more to additional principal and cancel the money being applied to optional coverages ( ie home warranty ). At first they stated I couldnt do that and I needed to cancel the home warranty with the home warranty company ( cinch ). I called them they said it was XXXX to cancel today I said no that was never part of the original agreement. I then called the mortgage company back and asked them to change my payment amount to more principal and XXXX to optional coverage they stated again XXXX not allowed to do that I finally got a supervisor on the line, her name was XXXX, and she want ahead and cancelled my auto draft and we did a XXXX time payment for the the amounts I agreed to. She said call back in after the XXXX once your request to cancel home warranty is processed. So I did that and spoke with XXXX again. She informed me that someone else in the office cancelled the XXXX time payment we set up the other week so that we should go ahead and do another to ensure the payment is processed I said ok. The payment is roughly {$2300.00}. Then on the XXXX of XXXX I noticed my bank account was overdrawn as freedom mortgage debited my account twice. I called in the following day and spoke to XXXX she said it was a mistake and that she would handle it and call me back in about an hour but never did. I told her I needed this money back asap as I have bills to pay. So I called back in the next day and spoke to another supervisor, XXXX, she said I needed bank statements to show the XXXX debit went through before they can issue a refund. I said that not possible as statements are not issued until the end of the month. She transferred me to XXXX and we did a XXXX way call with XXXX, my bank, who confirmed both debits went through. XXXX then said she will get confirmation from her supervisor and will call me back. Its 2 days later and I still dont have my money back. Also, they were able to cancel my home warranty with no fee of XXXX so no idea why they are telling consumers about a mandatory fee thats not really mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was notified via email that my dispute was complete. Upon receiving notice, I went online to view the dispute using my Mobile device, at first I was able to log in with no issues, and verify the security questions with no problem. Once I got inside, I attempted to view it the results on a desktop and was given an error message. I contacted Equifax by chat and was given a phone number to call to report the issue. Once I called, the representative I spoke with was very rude, aggressive and unprofessional. The representative ignored my reasons for the call and began to talk about other issues with my credit. When I informed him of the original reason for my call he told me there was nothing he could do and to deal with it. I requested to speak with a manager or supervisor but was told he could not help me with that either. I find this very disturbing that a company that handles such sensitive information would allow their employees to speak with customers in this manner. I think there should be a way for consumers to feel not only safe, but confident when dealing with such larger bureau such as Equifax, especially after the recent data breach. How can consumer ensure their confidentially information is safe when this company allows this type of behavior?