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

I am a victim of identity theft and need them removed
Product: Debt collection

The representative was very rude and using a tone that was absurd! She stated she know I can't make payments because I'm broke so I need to talk to my husband. She repeatedly made that assumption that I can't pay on my own. She used a loud strong tone for personal information such as asking for my husband job information and made me feel uncomfortable! She kept telling me I have no options but the options she was giving which is a lie because the option letter and online portal says differently!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian : Account name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. Stated I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 seven years.

15 USC 1681s-2 ( a ) ( 1 ) 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. 
According to XXXX XXXX XXXX 1997, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT.
Product: Mortgage

XX/XX/ Subject : XXXX  Escrow Analysis Adjustment Request On XX/XX/ I faxed Chase the attached letter requesting my monthly mortgage payment of {$1200.00} be adjusted/reduced as a result of a decreased amount/bill from XXXX  for my yearly homeowners insurance, thus reducing my escrow monthly amount due. 

To date, 50 days later, I have not received a Chase response to my letter nor a favorable action/adjustment to my mortgage monthly payment as requested. 

My yearly homeowners policy with XXXX XXXX is {$1100.00} ( XX/XX/XXXX-XX/XX/XXXX ) and the monthly prorated escrow payment is {$96.00}. The total escrow monthly payment due is {$380.00}, which includes {$290.00} for property taxes. 

On XX/XX/ I made a payment to XXXX for {$500.00} leaving a balance due on the policy in the amount of {$640.00}, which Chase paid on XX/XX/. This amount when prorated in 12 monthly payments equals {$53.00} thus reducing the escrow amount to {$340.00}. Therefore, my monthly mortgage payment should be {$1200.00} ( principal {$380.00}, interest {$470.00}, escrow {$340.00} ). 


XX/XX/ Subject : XXXX Escrow Analysis Adjustment Request On XX/XX/, I received an escrow analysis on my mortgage account ending on XXXX and the statement did not reflect the reduced amount due from Chase on my Homeowners Insurance ( see below ). I want to lower my monthly Chase Mortgage payment and Chase recommended I make a direct down payment to XXXX   on my Homeowners Insurance policy thus reducing the total balance amount due on the yearly policy and on my pro-rated monthly escrow payments for XXXX-XXXX, ( See below ). 

Escrow overview We've put together a list of all the expenses that make up your escrow payments. 
Your escrow analysis happens every year around the same time. We may run your escrow analysis sooner if : *You have a new loan or a recently refinanced loan that's less than a year old. 
*We 've been notified of changes to your property tax or insurance policies. 
*You requested a new analysis Escrow analysis {$0.00} Your escrow account is balanced Monthly mortgage. Your new payment becomes effective on XX/XX/XXXX. 
Description Current New Principal & Interest {$860.00} {$860.00} Property taxes {$290.00} {$0.00} Homeowner 's insurance {$96.00} {$0.00} Mortgage insurance {$0.00} {$0.00} Total taxes & insurance {$380.00} {$0.00} Escrow shortage or surplus {$0.00} {$0.00} TOTAL ESCROW PAYMENT {$380.00} {$0.00} TOTAL MONTHLY PAYMENT {$1200.00} {$0.00} Breakdown Request Policy Number XXXX Account Number XXXX Start Date End Date XX/XX/ - XXXX Request Date XX/XX/ Date Activity Description Increase/ Debit XX/XX/ A Payment of {$640.00} was received on XXXX at XXXX. 
XX/XX/ A Payment of {$500.00} was received on XXXX at XXXX XXXX. 
XX/XX/ Renewal transaction was processed. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX act # XXXX*with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX  account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Product: Mortgage

I am trying to stop my foreclosure date XXXX XXXX 2015 because i think because i have file a previous complain they got mad and issue me with forclosure notice. they told me today that my circumstances having being change since i have apply and that is not true i started i have rented out XXXX room which is now bringing in XXXX. XXXX extra dollar per week.please help me to stop foreclosure so i can resummit my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX County Dept, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. XXXX XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of the Issue : 1. There is evidence of fraudulent activity associated with my account ( s ), which I believe violates consumer protection laws under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

2. False or inaccurate information reported by your institution has negatively impacted my credit profile, restricting my ability to obtain credit, employment, and other essential opportunities.

Under the FCRA, you are obligated to : Ensure the accuracy and completeness of the information you report. 
Investigate disputes of inaccurate information promptly and thoroughly. 
Correct or remove any verified inaccuracies. 

Additionally, if fraudulent activity has occurred, your institution is required to take corrective action to safeguard my account and provide detailed documentation of the investigation findings.

Requested Action : I request the following : 1. An immediate investigation into the alleged fraudulent activity.

2. A correction or removal of any inaccurate information reported to credit bureaus.

3. Written confirmation of the steps taken to resolve these issues.

Failure to address these concerns may result in legal action, including the filing of complaints with regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and state attorney general offices. 

I trust that your institution values its compliance with federal and state laws and will take this matter seriously. Please respond within 30 days of receipt of this notice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from a recent data breach involving XXXX. My personal information, compromised in the breach, has been fraudulently used without my knowledge or consent. I am requesting the removal of the following accounts from my credit reports.
Product: Debt collection

I have disputed my credit reports since XXXX through XXXX I have seen items to drop off my credit report and 30 days later it was back on the report. The address that they have that I have lived at I never lived XXXX XXXX CA, or XXXX or XXXX XXXX XXXX  XXXX. I have so many inquires on my credit report and I haven't applied for credit since XXXX, I don't know what you all are doing but you all are not helping with these disputes it like you all are passing the buck. I have been apart of XXXX data breaches so far and it may be more and I have signed up for fraud protection and I have Frozen all accounts but for some reason this isn't working I have been fighting to get my credit fixed for 10 years with nothing being done.
Product: Checking or savings account

i got call from XXXX dated XX/XX/2019 requesting some information about my account, which i answered all they asked me to visit the branch to submit some documentation which i did on XX/XX/2019 to XXXX XXXX IL US bank branch, where i submit all information needed, yet i got call from same number on XX/XX/2019 for same reason, again i visit the same branch on XX/XX/2019 where they told me there is nothing needed from my end, later i found our that my account was on hard block since XX/XX/2019 for no known reason even for the branch manager, later o call from the same above listed number asking the same question which i gave all the needed answers, and again i visit the same branch on XX/XX/2019, later i got answer from the same bank stating that i did not submit the requested documentation ( see attached file ) which is totally wrong from the above mentioned facts and based on my routinely visits to the branch and my complies to all their requests it shows clearly that this bank is having racist discrimination towered me based on my nationality which clearly visible based on their actions verse my replays
Product: Credit reporting or other personal consumer reports

I opened my loan in XX/XX/XXXX with AHFC. I paid it off around XX/XX/XXXX. My account has vanished on my report. I paid every month on time for over 4 years and it isnt showing at all.
Product: Debt collection

I recently pulled my credit report and noticed there was a collection from Professional Debt Mediation for {$450.00} dollars, that was opened on XXXX/XXXX/XXXX for an apartment in XXXX ; however, I moved out of XXXX in XXXX and have n't returned to this day. Someone must have impersonated me.
Product: Debt collection

I have charged with XXXX XXXX XXXX {$1800.00} because switch service with XXXX and XXXX will taking care of it, and after all XXXX  isnt responsible and even though is been recorded by 3ways call and now XXXX  XXXX XXXX put me in collection. I feel they play a game on me and that account XXXX XXXX XXXX close on XX/XX/2016 and now recently they on collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lower my score 81 points in XXXX despite the fact I been paying on time, no current delinquencies while the other agencies been up. There is absolutely no reason why I drop a whopping 81 to 90 points in a month. Go ahead, review my accounts I even paid a few off. I
Product: Credit reporting or other personal consumer reports

I am writing in reference to the dispute I filed concerning inaccuracies and unverifiable information in my ChexSystems consumer report. Despite my initial request for a thorough investigation, the items in question have been returned as " verified. '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a reinvestigation and a detailed description of the verification process conducted. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), ChexSystems is required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information. Please provide : The specific documents and records relied upon in verifying the disputed items.

The identity of the individuals or departments within the financial institutions that conducted the verification.

If the financial institutions can not produce verifiable documentation bearing my signature or other evidence substantiating the disputed items, the information must be deleted immediately.

Information reported by ChexSystems must be both accurate and substantiated, as required by FCRA 607 ( b ).

I request clear evidence of my written authorization permitting the financial institutions to report the disputed information to ChexSystems. Without my explicit consent, the reporting of such data violates FCRA 603 ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX USA 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: 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 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 users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, written unwritten verbal and nonverbal. Per 15 USC 6802.
Product: Money transfer, virtual currency, or money service

My account under number XXXX was hacked into and confiscated
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I transferred {$1100.00} via XXXX XXXX XXXX Bank of America mobile app on my mobile phone. The money that was intended to go to my brother for repayment of a loan went to another XXXX customer in error. 

Dispite my numerous attempts to stop the transfer I was unable to because neither XXXX and Bank of america were not available to receive my call immediately in order to address the issue. 

About 30 - 90 minutes after the transfer was made I finally was able to speak with Bank of America representative on the phone and was told that there is nothing they can do. The Representative was able to verify that the XXXX customer/recepient is a Bank of America customer and stated that their contract does not allow them to withhold or stop the funds even though I told them that the funds went to the wrong person and it needs to stop. Bank of America was able to see the funds and confirm that the transfer was made from my account to their customer account from XXXX but told me that it is up to the person who received the funds in error. 

I was told by Bank of America that they will send a request to the customer on my behalf but unless the customer permits them to return the funds they will not be able to return the funds to me. Bank of America told me it would take 4 to 8 weeks for the process to take place I texted the customer 's number within a couple minutes after speaking with Bank of America and told her about the error and also that Bank of America will be contacting her for her to return the funds and she said ok. 

Approximately several weeks after the incident Bank of America told me the dispute was uncessful. To this day I have not been able to get my money back from XXXX or bank of America.
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 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect?

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character.

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 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 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 knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information.
Product: Checking or savings account

I had a total of {$660.00} in fraudulent charges to my debit card with my bank Charles Schwab. The fraudulent charges occurred on XX/XX/year>. Somebody bought tickets from the site XXXX with my debit card and personal information. Charles Schwab is refusing to reimburse me the money that was stolen from me. I promptly called them the same day that the fraudulent charges occurred and reported it and provided them with all the information that I could.I didnt do anything wrong, Im just a victim of theft and would like my money back.
Product: Mortgage

Selling house found issue on vhda loan. I must have forgotten to pay the XXXXdollars on my loan and got no correspondence that I was late. I was trying to change my name on my loan and they told me a month ago I was 30 days past for 7 months. The man I originally spoke with said they had sent out a letter every month for seven months that they had proof of that. I squared up this month. Meanwhile selling my house and I 'm told I need a statement of my loan history for my lender. Apparently this is a big problem being late on a Morgage payment so I spoke with me XXXX XXXX he said it was OK. So I signed my papers and finished off my loan. When I talked to him next we determined it had n't gone to credit reporting. Because I had filed bankruptcy. Then he said he would get back to me later that day, the next day same thing he did not. I had left messages and let him know how bad of a situation I am in with my XXXX dogs, husband, so, and my XXXX mother XXXX ... no response. I insisted not be sent to voicemail ... wanted to speak to his boss he was out got sent back to him. He know explained that because I filed bankruptcy they are not obligated to send out notices ... XXXX XXXX XXXX has no problems with this.they are my first Morgage company. I am in a huge pickle and feel seriously misled. Hoping my family and I sent going to end up without a home.