23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Launch Financial representative, XXXX XXXX refused to send me a loan rate sheet describing the amount of the loan, terms of the loan, interest rate etc. 
I have an email from XXXX, stating he " found an investor to take my loan '' but he would not furnish me any information. 
When I asked for a loan commitment letter, I was confronted with the statement, " you do not have {$210000.00} to put down ''. 
I had no clue where this amount came from, or how XXXX, decided I didn't have that amount. 
I repeated ly asked for this information from XXXX and when he would not comply, I wrote to the Company CEO, and asked for the information
Product: Credit card or prepaid card

Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXX XXXX for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. XXXX XXXX has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

The True Identity website offered by Trans Union is supposed to allow you to lock and unlock your credit. However when you sign up they status is set to unable to activate. Then when calling into TransUnion you are asked to provide your SS # over and over again. I spent over an hour trying to get this taken care. I am told this is an internal issue. This company needs to be regulated actually disbanded they can not be trusted with peoples sensitive information. 
They claim that there is a fraud alert on my SS #. No one can tell me why or how that is? I keep getting transferred from person to person who seem to have one excuse after another but no answers. These are the people that manages my information and that creditors, employers, and insurance companies use to determine my worthiness, what a joke who is monitoring the worthiness of the credit bureau.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes 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 CFPSs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX number : XXXX. Tag Number : XXXX XXXX XXXX : XXXX Repossess in XXXX. The police was called and the XXXX reviewed another vehicle information instead of mines. The tow employee switched the information when I approached. This incident happened in front of my drive.The address is XXXX XXXX XXXX XXXX, XXXX XXXX. The officer gave me three tickets and I was not driving my vehicle.
Product: Mortgage

Chase Bank reported late payment on my credit report even though the entire loan was fully satisfied with 9 days as I was in escrow to sell the house. I had the mortgage loans for 10 years and have never been late. Now I am getting penalized, my credit is damaged as I am unable to get a loan for the next 2 years with a reasonably affordable rate. Chase is unwilling to provide me with a letter of explanation of any sort. I do n't think Chase should have the right to provide this type of punishment to borrowers. As a single mom, it is getting tougher and tougher to survive. At the time ex husband refused to pay any child support or provide any assistance to pay the mortgage. I was only late because the house was already in escrow to sell. Banks should not have the power to ruin a consumer 's credit. Especially when I was current 99 % of the time.
Product: Mortgage

RE COMPLAINT # XXXX WF contacted me on Monday and today XX/XX/2018. Left a message calling for XXXX XXXX XXXX calling re modification request what was changed since last review.This is XXXX, call me at XXXX. 

I called this number twice and spent over 30 min in trying to reach XXXX as NO ONE knows who he is.The XXXX is the main number to WF with over 10 prompts as I have no dea where to go from here.Both messages refused to provide his contact info so I could reach him nor did anyone from WF attempt to assist me.

The first call I was told there a 2 cases as one is re MIP ins/and HUD discrepancy and other is from reentry dept. He transferred me and as soon as I was transferred I got the run around and no one knows who he is. 

This is an attempt to a '' DEAD END '' and to " buy time intentionally ''. WF has "  refused '' to assist me re my complaint. This is the type of games they play so I will just go away and how they continue to get away with treating me unfairly.Well Im not going away. How much time do I need to spend and am I required to run this person down by the name of XXXX? as apparently this was the attempt or he would have provided direct contact info ; so I dont have to be transferred from one dept to another. I have to verify my personal info repeatedly. Is this how a professional mortgage company do business? Is this the way customers should be treated? How do they continually get authority to treat customers like trash and brush them off is disturbing. 

I filed a complaint against HUD/as they will link me back to WF -complaint filed with the Dept of Justice and Attorney General as well.
Product: Vehicle loan or lease

On XX/XX/XXXX Carmax Auto Finance received a letter from me disputing the information they are reporting on my credit report. They responded with a letter saying they verified the account, which does not serve as proof. I requested a signature that shows that I entered into an agreement to pay them. They have been unable to provide any contract validating the information they are reporting. They also failed to mark my credit report as disputed within 31 days of my initial dispute letter. I sent another letter on XX/XX/XXXX requesting again that they remove their inaccurate reporting. I still have not received a response and they have not deleted the account. They claim I had a vehicle loan that was charged off. It is very damaging to my credit report and I need this inaccurate and unfair information to be removed immediately. Please assist.
Product: Credit card or prepaid card

On XX/XX/2021 I received a fraud text alert from Synchrony bank ( GAP ) I said I did not make the purchases. ( I had the card in my possession the whole time. ) I then talked to Synchrony bank to cancel the card so no more charges would be made and verified my identity through the link they emailed me. They said to expect a new card in the mail. Within the next week I received a letter in the mail saying my request to increase my credit limit was denied. I did not make the request so I called the credit card company and was informed that my card was maxed out and XXXX was charged on XX/XX/2021. When I spoke to the fraud department that day- they realized that the original text I got was fraud- and they set it up to allow themselves to use my card without me knowing- because I thought that card number was canceled per the conversation I had on the XXXX. 19 out of 20 of the transactions were made at XXXX  ( all listing OR or WA locations ) and one was made at a XXXX XXXX in XXXX, WA. I live in ILLINOIS. They also tried to set up XXXX pay with the card and I have an XXXX  and do not use XXXX. I have gone back and forth with Synchrony bank every month since this happened on XX/XX/XXXX. Each month they provide a new reason why the fraud was being denied. I will attach those reasons below. I filed a police report and am waiting for the official report but will post my receipt. In the history of having this credit card I have never maxed it out or come anywhere close to it. I have a XXXX debit card I use for all XXXX purchases.
Product: Debt collection

I am writing to file a complaint against LVNV Funding LLC for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLCl has not provided validation information, but yet have placed a collection on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account.

12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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

in accordance with the Fair Credit Act XXXX  account # XXXX has violated my rights XXXX XXXX XXXX section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account Number:XXXX  Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are failing to REMOVE files upon receipt of an FTC fraud report. Should you opt not to eliminate the subsequent items listed below, which are inaccurately reported due to errors in credit reporting, I will be transferring my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so I urge you to comply with the law. Kindly remove the following inquiries as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : 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 If you assert that these inquiries are 100 % accurate and verifiable, I require copies of any documentation associated with these inquiries and addresses bearing my signature, as I am aware of none. Without such documentation, bearing my signature, I formally request the immediate deletion of this information from the credit file associated with my Social Security number. Please be advised that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged errors in credit reporting. I do not consent to XXXX or any form of automated verification.
Product: Checking or savings account

My phone number at XXXX was hacked on XX/XX/year>. And then they controlled my wells fargo account via that. I called wells fargo immediately to lock my account. They still leaved my online card free to be added by the fraudster to their apple pay and phone verification open for them to verify their consecutive fraud purchases. I lost totally XXXX to XXXX XXXX dollars. And they said that some purchases linked to to my phone could not be refunded. I contacted XXXX many times there was no response. And I found my XXXX account was hacked again recently. Please help check and correct the mistakes made by both XXXX and Wells Fargo. They did not have enough respect to their customers at all. I am very grateful for your help!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing failure to correct late open accounts associated with my account despite many attempts and escalating complaints. Despite my persistent efforts and cooperation, the issue persists, causing significant inconvenience and financial strain. 

The ongoing presence of late open accounts not only undermines my confidence in your organization 's ability to manage accounts efficiently but also reflects poorly on your commitment to addressing customer concerns promptly and effectively. 

In light of the aforementioned circumstances, I insist on the following immediate actions : XXXX a thorough investigation into the late open accounts and identify the root cause of the recurring issue. 
Immediately correct all late open accounts associated with my account and ensure that they are accurately reflected in the account statements. 
Provide a detailed explanation for the persistent delays in resolving the late open accounts and outline steps taken to prevent similar issues from occurring in the future. 
Implement measures to improve the efficiency and accuracy of account management processes to prevent the recurrence of such issues. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and alleviate the financial burden caused by the late open accounts. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo randomly permanently suspended my account last year on XX/XX/year> for fraudulent activity without any proof I have {$470.00} in my Venmo account balance. They refuse to release that balance to me for XXXX from the date of account closure. I have asked and begged to get my money back because I am struggling financially and that is my money yet they refuse to release it to me.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting 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 confidentially under USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX I looked on my Experian Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In General If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Advantage Financial Services LLC. XXXX Idaho has been attempting to collect a debit for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX failed to bill insurance correctly and was denied payment due to failing to provide documentation to adjudicate the claim then noted to balance billed me for services. XXXX XXXX XXXX was prohibited from balance billing on this claim due to in-network contract with XXXX XXXX ( insurance provider ) and ACA laws which state provider are prohibited from balance billing members XXXX XXXX submitted the bill for collections despite no legal right to do so. I have disputed this bill with XXXX XXXX XXXX, Advantage Financial Service, and all 3 credit bureaus. Every time Advantage Financial Services claims the debit is valid because they have a bill. Advantage Financial Solutions fails to properly validate the bill as a legal and lawful debit. XXXX XXXX XXXX own documentation asserts that the patient is responsible for the debit despite being prohibited by contract and law. Advantage is now suing me for the debit, interest, attorneys fees, and court costs. Their assertion is I contracted with XXXX XXXX and am liable for the debit, collecting from Insurance is up to me. However, I never contracted services with XXXX XXXX XXXX. My primary provider XXXX XXXX XXXX outsourced XXXX services to XXXX XXXX. XXXX XXXX XXXX was paid for services, the XXXX who performed the tests was paid on their claims. XXXX XXXX failed to provide documentation to adjudicate this claim and was not paid by insurance. XXXX XXXX failed on their part to submit documentation to get paid. Then violated their own contract with XXXX XXXX and the XXXX XXXX XXXX by balance billing me for services. I owe no debit to XXXX XXXX so Collections on this account is unlawful and fraudulent.
Product: Debt collection

I am unable to take calls at work I advised the collector to send information to my email address they called my work phone over XXXX times back to back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.