23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a substantial balance on my USAA credit card at an interest rate greater than 22 %. Due to cash flow issues largely out of my control I called them and asked for a payment holiday. A payment holiday would simply mean I do not have to make the current monthly payment, the interest would still be charged, etc. They told me they can not do this. I was then told that they basically can not do anything-waive a monthly payment, reduce the interest rate on any of the substantial balance, or even waive the late fee. They offered nothing on a card we have had for many years. In addition, we have had USAA homeowners and auto insurance for over XXXX  years. You guys said, maybe we can waive the late fee AFTER it is charged and I spend another hour on the phone with " customer service '' Really? Predatory lending.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 XXXXXXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I called Experian on XX/XX/year> at XXXX and spoke with them on a recorded line for XXXX minutes at XXXX to file a dispute on XXXX hard inquiries that were fraud. A new fraud alert was added to my credit report, I received an email on XX/XX/year> at XXXX from Experian stating the results of my dispute were in, I still have the email. I have notifications on the Experian website stating my dispute was approved and the items were removed from my checking report. When checking my credit report on XX/XX/year> both hard inquiries are both still on my credit report. I called Experian to follow up and they are telling me my report number does not exist and there is no record of me ever filing a dispute and all they can suggest is I start completely over with no apology for anything.
Product: Prepaid card

I was given XXXX American Express XXXX XXXX in the past year at work, one for {$75.00} and another for {$100.00}. I now have {$9.00} left on the {$75.00} card and {$22.00} on the {$100.00} card, but because neither card can be " split '' with my XXXX card to cover an online purchase, I'm having trouble using them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX 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/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

4 Remaining Negative Accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from Mr.Cooper/Nationstar Mortgage. I contacted Mr.Cooper/Nationstar Mortgage on XX/XX/XXXXand the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
Product: Credit card or prepaid card

On XX/XX/21 I attempted to close my credit card account with TD Bank N.A. and was informed that I would have to forfeit any rewards balance under their redemption limit of 2,500 points. I have a balance of XXXX  points. I understand a redemption limit for on going business purposes but I'm closing the account. Therefore, I am entitled to any money earned. This forced forfeiture is nothing more than theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first notified Transunion both via phone and in writing in XX/XX/2021 that XXXX XXXX was reporting a fraudulent account and inquiry on my credit report. I notified Transunion again in writing in XX/XX/2021 with a FTC report required under FCRA. Transunion has failed to conduct a fair investigation or remove this account from my credit report. Provide any documentation that proves this account is mines.
Product: Mortgage

A condo questionnaire is a form sent to a condo development by a lender when a potential borrower applies for a mortgage. The questionnaire allows the lender to determine if the condo meets its requirements for a loan. If the requirements are met, the lender can in turn consider providing a loan to the condo buyer. XXXX XXXX, the president of XXXX XXXX XXXX, willfully misrepresented the condo questionnaire by stating there are no special assessments. Theyre currently {$1800.00} per owner of special assessments for roofing efforts. Per the impromptu attachment as you can see that these roofing efforts are ongoing. To make matters worse, shortly after she submitted that questionnaire to my lender, she had plans to put roof on her building, and is quite aware that the roofing assessment is not completed. Numerous owners have had requested financial documents such as tax returns, bank statements, and other documents such as contractor estimates. XXXX has refused, and I suspect the associated documents requested on the questionnaire, if theres a special assessment, is the reason why XXXX willfully lied on the questionnaire. This is a serious issue and a misrepresentation that forcefully rendered XXXX XXXXXXXX XXXX worthy of a loan from loan depot had I known they were special assessments I would not have purchased a condo. My mortgage Company and the company that sent the questionnaire is loanDepot, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I think loanDepot should be held accountable for these will for lies and the misrepresentation, I am on a XXXX XXXX & a XXXX  mother and this was an egregious lie. 

Complaint against : XXXX XXXX, President of XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and 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 the companies customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faced with a big unfair situation in my life. Mainly recently a lot of fraud inquiries appeared in my credit report! Please help me because they are not mine and I have never ever authorized any of them. I am very sad that this situation happened with me. I have never signed any contracts documents and other papers with these companies and I have never approved these inquiries. I have tons of them now and its killing my report and killing my financial stability. I do not know them and their origins, I swear! The most terrible thing that I can not move on in my life. Please delete them after your investigation. 

I AM VICTIM OF FRAUD!
Product: Credit reporting or other personal consumer reports

I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 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 resulted 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 the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have negative items on my credit report that have been on there for more than 7 years & the credit bureau is not removing them. I also have a bankruptcy that is more than XXXX XXXX XXXX that needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Checking or savings account

I am writing to formally request the removal of my name from the check systems maintained by your organization. 

I recently discovered that my name is still listed in your database, and I believe this may be an oversight or an error. As a responsible account holder, I have diligently managed my financial affairs and maintained a good standing with your company. 

I kindly request your immediate attention to this matter, as having my name inaccurately associated with any negative information can have adverse effects on my financial reputation. I am confident that the issue can be resolved swiftly and without any complications. 

Enclosed with this letter, you will find relevant documentation that supports my claim and verifies my credibility as a trustworthy customer. I kindly ask you to review this evidence and initiate the necessary steps to remove my name from the check systems promptly. 

Please confirm receipt of this request and notify me in writing once the removal process has been completed successfully. Additionally, I would appreciate any further information regarding this matter and any steps I need to take to ensure its resolution. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution to this issue.
Product: Money transfer, virtual currency, or money service

am writing to express my concerns about how Zelle handles disputes, especially following the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights serious issues with the platform.

Despite using Zelle several times and reporting discrepancies, both my bank and Zelle have failed to properly investigate my claims. I was told that recovering lost funds was impossible and that tracking the transactions was not feasible. This lack of action is troubling and leaves users vulnerable to scams.

The CFPBs findings show that Zelle has not done enough to protect consumers and has allowed fraudsters to take advantage of the system. This is unacceptable, and I believe immediate changes are needed to improve security and accountability.

I urge you to take steps to address these issues and provide better protection for users.
Product: Debt collection

Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company
Product: Mortgage

Company collected all of my personal financial information including SSN / tax returns / P & L statements, etc, but then dropped off the radar and stopped responding. XXXX XXXX was assigned to be my loan officer.
Product: Credit card

I recieved promotional checks from Chase XXXX to transfer balance at no interest until XXXX 2018. I used the check for approx XXXX. I recieved my first statement with purchases of XXXX plus the new promotional balance. I paid XXXX to cover the 3 % interest of the check and the bal of the purchases expecting the bal of that payment after applied to purchases to be applied to the promotional bal. To my surprise on the next statement I was billed interest of XXXX. Now it 's not the XXXX I am concerned of, but the princible of the interest charge itself on the purchases which I did cover. I called Chase and was told that I was charged interest because I did not pay off the entire balance of the purchases with the promotional balance. So in essence even though I paid off the complete balance of purchases with additional incuded to cover a portion of the promotional balance plus the initial interest fee of 3 % for the promotional check, they are still charging interest. As I understand and how I have expierenced this with other CC companies, if I pay my full purchase balance of that month, there should be no interest and the difference is always applied to the promotional balance. XXXX CC as example. I have a promtional balce running with them currently I feel this is fraud as the promotion advised no intererst, but then they are expecting you to pay the full balance at the month end regardless if it covers previous months purchases, otherwise pay interest on the purchases amount regardless if you pay enough to cover that amount. Totally mis leading and in my opinion FRAUD.
Product: Credit reporting or other personal consumer reports

I have received more then XXXX inquiries and credit card on my account within last then a week, My information was leaked and someone is using my profile to apply for credit cards below is a list of everything I did not do and I will like to have all of these items removed off of my account ASAP THANK YOU XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

When I got a copy of my credit report earlier this year I noticed several collection items from a company called XXXX XXXX. They claim that it was a debt from XXXX XXXX in XXXX, OH. I had no knowledge of this debt collection company until I pulled my credit report. I did my due diligence and researched FCRA and FDCPA laws. My findings conclude that by law I have the right to dispute anything on my credit report with anyone that furnishes information to the credit bureaus. The company that furnishes information are required to respond to the consumer. 

I have sent several letters to the XXXX XXXX and they have failed to respond to my disputes. I sent my first letter in XXXX of this year with no response from the XXXX XXXX Consequently they have failed to report to the credit bureaus my disputes when they updated my credit file twice in XXXX. Furthermore they have continued to ignore my request for validation. I have given them more than ample time to respond and have failed to do so. 

At this point I am requesting they remove the items from my credit file from all three bureaus or I have no choice but to file a lawsuit because of their violations.
Product: Checking or savings account

On XX/XX/18 Bank of America charged my checking account ( # XXXX ) for two wire transfers of {$4600.00} when I only authorized only one. They admitted that it was their mistake but they said they will not be able to put the money back in my account until XX/XX/18. This is completely wrong and the funds should be put back into my account immediately. Meanwhile my account is overdrawn, I can not pay my bills or get any cash. I will be switching banks tomorrow but this type of banking activity should be stopped.
Product: Mortgage

XXXX originated my mortgage and then sold it to Ditech ( loan # : XXXX ) Ditech is refusing to honor my request to start the process to remove PMI. During the transition, there were late fees charged to our note -- directly due to the transition from XXXX loan servicer to another. Funds have been held in suspense since the transition that more than covered the late fee -- yet, Ditech will not honor repeated requests to net the funds in suspence with the late fee.
Product: Credit reporting or other personal consumer reports

I recently disputed the following accounts that were reporting inaccurate/unauthorized misinformation on my consumer file, and you have not responded to my initial dispute letter within 30 days. Maybe the source is unreliable, but I need you to perform a reinvestigation into these accounts and delete them immediately. Please respond with the requested information as it is my right by law