23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the seller of a {$470000.00} home. I was scheduled to close on this sale the morning of XX/XX/XXXX at XXXX XXXX. At XXXX XXXX on XX/XX/XXXX, I was informed that the buyer 's mortgage company, First Mortgage Company, was merging with XXXX XXXX, a lawsuit blocking the merger had been filed and First Mortgage Company 's funds had been frozen as a result of this lawsuit. Consequently, the closing of the sale of my home was delayed indefinitely.
I sent a letter to XXXX XXXX, the CEO of First Mortgage Company, explaining and documenting that each day my closing was delayed cost me {$160.00} in mortgage interest, property taxes, utilities and insurance. XXXX XXXX was not accepting either emails or telephone calls. I sent the letter of complaint to XXXX XXXX, the Manager of Loan Administration, who said she would forward it to XXXX XXXX I have not received any reply.
I explained in my letter to XXXX XXXX that First Mortgage Company 's merger plans notwithstanding, I should not have to bear the financial burden of their malfeasance. I had a fixed closing date, I made commitments to my creditors based on that assurance, and to have it summarily cancelled with one day 's notice and no compensation is unacceptable.
We have since closed on the property onXX/XX/XXXX, 9 days late, and I am out {$1500.00} as a result of First Mortgage 's mishandled merger.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX XXXX XXXX XXXX XXXX Closed Accounts : XXXX # XXXX XXXX # XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a confirmation letter from Equifax confirming that the information they received from XXXX was accurate. I did not authorize XXXX to release any information.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/.
Product: Credit reporting or other personal consumer reports

I am writing in reference to my XXXX XXXX Account, I was a wireless customer for 9 years with your company until it became extremely expensive to maintain so I switch services to a competitor for far less money and more savings. I ported my phone to my new provider in which I paid the amount leftover and I had no idea that I would still have a balance due. I have explained to the collections team my account was sold to that I was not able to due financial difficulties, in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my account to the credit bureaus before I had a chance to pay and I sent a stipulation with the agreed amount of {$94.00} to be paid in full along with being removed off my credit report due to the collections being accurately reported and I understand that but I have been homeless along with unemployed for almost two years. I was denied unemployment along with no financial assistance from my family as they cut ties with me for being XXXX and my so called friends wanted me as a wallet only. I have been evicted from my home, lost my car, sleeping on street corners, shelters, motels with vouchers and vacant places so I can shower daily. I have a vast understanding of how the credit system works but I have no assistance, I have not had steady income or employment since XXXXXXXX XXXX XXXXXXXX, I have worked since I was XXXX XXXX XXXX and now I am struggling with my mental health along my finances. I have never asked for anything but I am asking that XXXX IMMEDIATELY removes this ACCOUNT from my credit reports immediately and/OR THOSE XXXX XXXX XXXX XXXX WILL ALSO PAY ME {$150000.00}! OR THEY WILL XXXX SUED!!!
Product: Student loan

I received multiple student loans under Navient from XXXX XXXX XXXX XXXX in XXXX for their XXXX  program. However, in XXXX the school was shut down and I was unable to finish their program to get certified and was left to pay off the debt of {$30000.00}. These types of schools are prey on low income community members to incur big debts and no certifications.
Product: Debt collection

I have disputed the medical debt several times. At least 5 in the last year. The debt is not mine. It belongs to my ex husband. It's even in his name. But it is showing up on my report. I have had state insurance for the last 4 years and I have XXXX medical debt. This does not belong to me and it's affecting my credit. I want it off. I do not pay his bills.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXXXXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; Bank of XXXX on XX/XX/XXXX ; and XXXXXXXX XXXX XXXX on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the XXXX XXXX was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXXXXXX XXXX XXXXXXXX. However, XXXX XXXX continues, and for the last seven years, reports the vehicle 180 days late. Purposely, harming my credit.
Product: Checking or savings account

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. Account XXXX XXXX XXXX # XXXX has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.
Product: Debt collection

My XXXX and I attended a complimentary dinner and presentation from this company. XXXX XXXX XXXX XXXX We were not aware of any additional agreements. Money was requested and denied because neither of us had credit cards which was required by this company. 
We were later contacted several times asking if we received a card in the mail from XXXX XXXX, after returning from our family vacation. ( Which we do yearly without travel agent assistance ) It is my understanding that this company provides travel agent assistance and we made it clear we were not interested in their services. 
I contacted XXXX XXXX directly in reference to the card situation XXXX XXXX  were referring to. I stated that I had not requested the card. XXXX XXXX researched and denied XXXXXXXX XXXX any funds. Apparently, They were well aware of this scheme. 
I have ask XXXX XXXX Representatives for proof of credit card ( money ) denial from XXXX XXXX due to fraudulently requesting money on behalf of their company in regards to both XXXX XXXX and XXXX XXXX. As well as, to please stop contacting me via phone, text, and emails. These communications were completely out of line and threatening to report us to the credit bureau. I honestly didn't take it that seriously because I knew that we hadn't made any financial agreement with them. Nevertheless, they seem to be able to find some sort of loophole to tie individuals to their company services after attending these presentations. 
Honestly, I don't understand how XXXX XXXX was able to prove and deny charges from this company credit agencies weren't able to hold these people accountable with more resources to find exactly how their scamming individuals without any repercussions. 
Let me be clear, I will not stop fighting this company in order to clear mine and my daughters name and credit for something that has been fraudulently obtained. 
Fortunately, after filing a dispute several times with all three credit agencies I have finally gotten XXXX to delete after properly reinvestigating many times. 
My biggest request has been and will continue to be that this company is thoroughly investigated and properly reprimanded. 
Sadly, It doesn't take much to simply XXXX and see that I am not the only person that has gone through this horrible experience. 
The difference is I will not stop because this has affected me and my daughter extremely mentally and financially!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe XXXX  {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to Experian, XXXX  and XXXX  indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Product: Credit card

I applied and was accepted. They said they sent me a card but I never received it. I changed my address with them and verified my new address more than 4 times. Repeatedly called to have card sent to me and was told I needed to keep verifying my address. I have already done this 4-5 times now and they have my correct address on my account but I have never received my card. I keep calling and keep being told they will send it but they do not send one. They show I have a card on my account, they show my address is correct, but will not send me my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of an account reported by Ally Credit Card on my credit report. The account, reported on XX/XX/year>, reflects a balance of {$XXXX} and a charge-off status. I dispute this charge-off entirely because there is no contractual agreement between me and Ally Credit Card that authorizes them to report this information as my creditor. Despite the provision of statements or other documentation, I assert that these documents do not establish a legally binding agreement between myself and Ally Credit Card. According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting inaccurate information to credit reporting agencies. The lack of a contractual agreement renders this information inaccurate and misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, Ally Credit Card is required to conduct a thorough investigation and verify the accuracy of the information reported. Without a valid, signed contract that explicitly authorizes Ally Credit Card to report this account, the reported information is unverifiable and should be deleted immediately. XXXX also has a duty under 15 U.S.C. 1681i to investigate and remove any information that can not be verified. As this account is not supported by a contractual agreement, it can not be legally verified and must therefore be removed from my credit report. I request that the charge-off status and the {$XXXX} balance be entirely deleted from my credit report, as there is no legal basis for its inclusion. The continued reporting of this information is not only harmful to my credit but is also a violation of my rights under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. I expect a full investigation and the immediate removal of this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from CITI is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from CITI.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital Systems LLC, they did not provide me with proof of a signed contract with them as requested.

The above statements can be verified in the attached debt validation letter I sent to Jefferson Capital Systems LLC and their subsequent response also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my account below : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a business Credit card and I was denied due to having too many hard inquiries on my credit report. Checking my credit report I noticed I didn't apply for these tradelines that are listed below. 

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance added 120 day late to an account that was 6 years old. This account is hindering me from getting a new home and car. This account was paid with an agreeable to remove the late payment due to the fact that the car was totaled out and the insurance paid for the vehicle I did not have any knowledge that there was a balance and no communication was sent or provided.