23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We filed to have a modification back in 2013. Our FHA loan was through Citimortgage. 
HOPE after a year and a half, lowered our payments {$26.00} and because we were told not to make payments, Citimortgage reported us late every month. Screwing up our credit but then making us sign a paper saying we had to then pay {$11000.00} back when the mortgage was paid off or the house was sold. etc. I asked for an itemized statement for the {$11000.00} in charges and I still can not get one.From the HOPE ( HUD ) that did our modification. Why should I pay that back when they really did nothing but take what we were behind and put it to the end of the mortgage ( which Citimortgage should have worked with us on ) and now we have to pay it back? Our credit is wacked, they lowered it a measly {$26.00} and we now have a {$11000.00} note when we sell our home?
Product: Credit card or prepaid card

I have been having ongoing issues with my credit card company American Express. They have been doing a poor job with delivering accurate information of how much I owe. Ive also stated to them that I have fraud on my account, and that I am unable to go to all the transactions to alone. It seems as though the Fraud is probably coming from a card that was cloned or skimmed. Or it could be coming from a hacker, which has been altering a lot of my financial records. 
American Express refuses to assist me and they also refuse to dispute a lot of my charges. They also have a habit of cheating me on the phone for so many periods of time transferring over and over and over to different departments, and to hear my complaint, and finally deny any services to assist me. A lot of times this is really aggravating so it discourages me from calling for assistance. And because I dont call because of their tactics I end up losing the amount of time needed to file a dispute. 

So time goes by, I get more frustrated and call to get assistance, and they deny me again. For this reason, there has been a lot of transactions that have not been disputed which has caused balance to be so high. 

I feel that I am retaliated against and discriminated because every time I do conduct a dispute the credit is not applied to my account where its available to be used. 

They have been holding my credit hostage, leaving me without any availability of funds to use my credit card. And they have all sold caused me to pay a higher amount of payments because of all the transactions on my account that I was not able to dispute. 

I dont think its fair that if I have a dispute a transaction that they restrict my accountant suspend it mean wild investigation is completed.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

I have been contesting this matter, but my efforts have been unsuccessful. The alleged collection in question is from ProCollect Inc for {$2500.00}, pertaining XXXX XXXX account opened on XX/XX/2022. Upon review, I learned that ProCollect failed to provide me with the legally required written notice or debt validation letter, as mandated under the Fair Debt Collection Practices Act ( FDCPA ). 


Additionally, I have contacted the apartment complex directly, and they explicitly confirmed that the charge was removed from my account. I have also obtained a copy of the financial statement, which clearly shows that I was never charged the disputed amount of {$3000.00}. The continued reporting of this inaccurate information on my credit report constitutes defamation of character and is a violation of the Fair Credit Reporting Act ( FCRA ). This false reporting has significantly impacted my ability to apply for apartments and other credit-related opportunities. 


ProCollect 's actions, which appear to be predatory and unjustified, warrant a thorough investigation. I request the immediate removal of this inaccurate account from my credit report and any necessary actions to hold ProCollect accountable for non-compliance and misleading practices.
Product: Credit reporting or other personal consumer reports

I no do not recognize these hard inquiries I also did not authorize them
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, telephone XXXX. On XX/XX/2022 I contacted XXXX customer service to be able to transfer money to my daughter that they were denying. The people as XXXX representatives, XXXX accents, said my identity must be established. They were a fraud site. At first they ran me though many exercises that seemed non threatening. But eventually got me to thru XXXX transfers totaling {$3400.00} saying it would be refunded after all was completed. In going thru the process they had me sign into XXXX  app as part of my identity verification. This process involved photographing my drivers license. So they have a lot of critical information on me. They said they were running into problems completing the process and would get back the next day. I realized then I was in trouble. I deleted app, changed password on XXXX. Today I received email response from XXXX that was addressed to a XXXX XXXX. I have tried many times to contact Bank of America fraud department. They never answer my calls. When I contacted the actual XXXX site the message, no one answers, they give instructions to contact my bank, Bank of America. As I said the fraud department does not answer my calls. I did not authorize the XXXX payments that were sent with XXXX but they sent anyway. I have other information that I can give you that might help in investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX AZ Account/Reference # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

i was called to my XXXX XXXX XXXX and i was told i my XXXX money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is XXXX  where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a XXXX XXXX, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.
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 consumers safety
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so all relevant items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused to me. My information was also i pacted by the equifax data breach and may have gotten into the hands of the wrong person.
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 XXXX XXXXXXXX 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 24 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 24 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 reporting or other personal consumer reports

I have recently look at my credit report and notice a couple of accounts thats not mine. I have came to the conclusion that XXXX and Transunion and XXXX Have been reporting this information please Remove and block from my consumer report ASAP ACCOUNTS ( COLLECTIONS : XXXX XXXX XXXX ) Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please do whats fair and equitable to me as a consumer Please i ask if you can block and remove with in 3 business days
Product: Debt collection

Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX  XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Regarding Inconsistent Credit Reporting of Repossession Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding inconsistent reporting of a repossession on my credit reports across the three major credit reporting agencies : Equifax, XXXX, and XXXX. 

Details of the Issue : Repossession Date : XX/XX/XXXX Account/Loan Number : XXXX Creditor/Lender : XXXX XXXX  Upon reviewing my credit reports, I found that the repossession is being reported by two of the three credit bureaus : Reported by : Equifax and XXXX Not Reported by XXXX XXXX This inconsistency is concerning, as the information should be uniform across all three credit bureaus. Additionally, the different reporting could be affecting my credit score and the overall accuracy of my credit profile. 

Steps I Have Taken : 1. Disputed with the Credit Bureaus : I have contacted the credit reporting agencies that are reporting the repossession to request validation and correct reporting.

2. Contacted Creditor : I reached out to the creditor/lender involved in the repossession to verify how they are reporting this account to the credit bureaus. 

Despite my efforts, this issue remains unresolved. 

Request for Assistance : I am requesting the CFPBs assistance in investigating this matter to ensure that the credit reporting agencies are providing accurate and consistent information across all three bureaus. I also ask that the CFPB ensures the credit bureaus follow the Fair Credit Reporting Act ( FCRA ) by verifying and correcting the information being reported, if necessary. 

Please let me know if any additional information or documentation is required for this complaint. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 

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

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Product: Checking or savings account

A check was deposited amount {$5000.00} on XX/XX/ in my account it was cleared and on XX/XX/ bank closed my account and said you will get this money by cashier check in the mail. Now its more than a month and bank is saying that its in review. I want our money back or sent back to the customer. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. 

Please help us to get our money back. 

Thank you
Product: Debt collection

Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).
Product: Credit reporting or other personal consumer reports

Transunion report doesn't not match the closed date of XXXX or XXXX.
Product: Debt collection

I contact you about the derogatory mark that is appear to my credit report, I tried to contact many time no one can answer the phone so they can give me the reason wry it appear to my credit report. Therefore, I contact CFPB so you guys can help me solve that issue. Here is the number that I contacted them XXXX there are unprofessional. and please I want this matter solve.
Product: Credit reporting or other personal consumer reports

My credit report shows billing errors, including late payments that don't match my history. Please fix these mistakes and update my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the credit burea to have a bankruptcy taken off my profiles. I also reached out to the vendor of the bankruptcy and all agree to remove this error as i have nver filed for banruptcy or ever paid for XXXX. XXXX XXXX HAS DELETED THIS ERRO BUT EQUIFAX HAS NOT. This is XXXX  time i have sent tis request to equifax with a copy of the XXXX XXXX results. I need this off my credit. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to report that I was a victim of the XXXX data breach, during which my personal information was compromised. As a result, I believe that the following accounts and their associated late payments on my credit reports were caused by or directly affected by this breach. Specifically, I suspect that fraudulent activity or errors stemming from the breach have led to inaccuracies and unverifiable information being reported by the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listing a bankruptcy record that should be removed. I have disputed twice and they refuse to remove it. I explored a XXXX XXXXXXXX bankruptcy in XXXX of XXXX When the court told me what the terms and conditions would be, I withdrew and did not go through with the bankruptcy. Their public records section states that I had a Bankruptcy-dismissed. It was dismissed because I withdrew. There was no bankruptcy. 

I disputed the record with XXXX XXXX, the company that reports XXXX XXXX including Bankruptcies to XXXX. XXXX sided with me, removing the record from my XXXX XXXX files. I checked my files and indeed, XXXX did remove that bankruptcy record. 

On XXXX 's own website, they have a section called " Understanding Your XXXX Credit Report which states the following : XXXX XXXX Bankruptcy is the only public record that will appear on your credit history. Bankruptcy is a legal proceeding under which a person is provided relief from debts they are unable to pay. There are two primary forms of bankruptcy filed by consumers : XXXX XXXX  and XXXX XXXX. They are called " XXXX '' because they are defined by chapters in the bankruptcy law. In a XXXX XXXX bankruptcy, you do not repay any of the debt owed. Under XXXX XXXX bankruptcy, you are responsible for paying back a portion of the debts that you owe through a debt repayment plan. 

If your report contains public records, the XXXX XXXX section includes items from courts that XXXX may have obtained through XXXX XXXX XXXX XXXX XXXX, a third-party vendor. You may contact them at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, or by visiting XXXX XXXX XXXX 

Since XXXX removed the record so they are no longer reporting it, all of the credit reporting agencies including XXXX, should remove the record. I attached the resolution letter from XXXX that states that they removed the record. I have lost two potential credit opportunities, because of this inaccurate bankruptcy record, that they say will stay on my record for 7 years. This is totally unfair and unacceptable. 

XXXX states on my credit report that this record is potentially negative. It is much more than " potentially negative ''. I did not have a bankruptcy but I am being penalized as if I went through with it. Filing and exploring should not be reported as a Bankruptcy if you withdraw. There is no mention of this fact in their reporting.
Product: Credit reporting or other personal consumer reports

Transaction history from nonaffiliated third parties are continuously being furnished onto my consumer report without my written consent. The law requires that I receive an opt-out notice every 30 days to which I have not received. I am demanding ALL transaction history to be removed immediately and all accounts to be updated as PAID AS AGREED. I have also requested to opt out of ALL nonaffiliated third parties from furnishing anything onto my report, yet the consumer reporting agencies are refusing to do so and they are in violation of the GLBA. 

Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors.

Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exceptions to this definition that enable persons to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.