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

I accordance with the Fair Credit reporting act, the following accounts listed below 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. 

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, credit repair services, or other personal consumer reports

This is my Final Notice to Experian on incorrect Names spelling and addresses. 

My Name is XXXX XXXX XXXX and I have attached proof. Any other variations must be removed. 

My addresses for last 20 years has been the same. XXXX XXXX XXXX XXXX PA XXXX. 
proof is attached. 

All other addresses must be removed.
Product: Debt collection

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Debt collection

I am currently. a victim of identity theft my information was stolen in XXXX data breach. I never open. up this account in my name the credit report agencies removed this account, but it appears back on my credit report. I certify that i am permitted by Federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 USC1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This Collection found on found within my credit report are not related to any transaction i made. I am alleging that a person or company- without my authorization used my personal information to apply for good services, or money and was successful in creating some accounts all being investigated by the FTC.
Product: Debt collection

I sent a debt validation letter to Shellpoint on XX/XX/22 via certified mail. The letter was received by the recipient on XX/XX/22. In the letter, I requested all of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Shellpoint received the letter on XX/XX/22, but has not replied. None of the information that I requested to actually validate this debt was provided. Additionally, I asked that if Shellpoint did not provide all of the requested information and validate the debt, that this debt be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting wrong information on my credit report XXXX XXXX XXXX was delete from my XXXX XXXX account And still showing on my equifax account
Product: Vehicle loan or lease

I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX.

I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment.

Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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, credit repair services, or other personal consumer reports

I did not authorize nor give consent to the following inquires being furnished on my consumer reports
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX high yield interest savings accounts Capital One misrepresented XXXX savings account as having one of the nations highest interest rates yet failed to notify accountholders about the superior rate offered by the XXXXXXXX XXXX XXXX account this deliberate obscenity and lack of transparency violated consumer trust and resulted in significant financial losses for many breaching the consumer financial protection act and the truth in savings act I seek redress for the misleading practices and failures to fulfill their advertised promises
Product: Mortgage

I have been in dispute with my XXXX lienholder ( Green Tree Servicing ) about the status of our XXXX lien in order to meet qualifications of XXXX. We have documentation from the XXXX lienholder XXXX XXXX XXXX that the loan was accurately reported in the system and from the XXXX lienholder ( Green Tree Servicing and DiTech ) that states that the XXXX lien was properly identified as a HAMP-modified loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a certified letter with proof of identification to EQUIFAX in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Equifax 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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: Checking or savings account

Retired living in XXXX i have trouble accessing my funds i cant have cash withdraw at atm machines i call activate the card XXXX more week its blocked again calling from XXXX is costly XXXX XXXX does not have enough man power they are also under qualified e mailing my id s properly they state they should not be expired which they are not now the on line banking frozen i cant have access my balance is {$10000.00} with them i need my card i am an expat
Product: Mortgage

sudden increase in escrow DOUBLED mortgage is only home not land home. Escrow was 2 % suddenly charged nearly 5 %. Loan doesn't pay property taxes.
Product: Checking or savings account

As I have documented in these attachments, my daughter was the victim of a fake check scam and Citibank did not employ its fraud protection tools when suspicious and unusual activity occurred on her account, but instead chose to use me as an insurance policy to minimize their financial liability. 
I was referred to your bureau by my NY State Assemblyman XXXX XXXX. 
A 14+ thousand dollar set-off was seized from my bank account after my daughters account to which I had been linked to, had on XX/XX/2019 an end of the day balance of XXXX  cents. After there were 5 sequential  daily {$9000.00} deposits that astronomically raised her average daily balance, there should have been a multitude of red flags raised that minimally would have reduced my degree of financial exposure. 
The system failed and Citibank was negligent in their ability to protect me from this unfortunate outcome. Others may have suffered the same wrongful fate and Citibank should be held accountable for NOT reforming their banking practices after they were forewarned by local law enforcement agents.
Product: Checking or savings account

We are a small and legit XXXX XXXX that is operating for XXXX years now. We have been notified via letter today that our business account with BOA is going to be closed today. The decision was made earlier in the month and we were not provided any further explanation as to what caused the closure of the account. 
It will affect our agency tremendously and our patients as we will not be able to proceed with our payroll and other payments that are related purely to patient care. 
Furthermore, we are definite about that there was and could not be any suspicious activity or risks that could have led to this decision. 
Current funds are not available and it jeopardizes our ability to continue providing services. 
The magnitude of the consequences of this kind of unexpected and unfair decision drastically affects the population we serve and us, as a small and hard-working agency. 
Please provide any advice to remedy this situation that leaves us helpless and on the brink of closing the agency affecting at least XXXX employees and their families. 
It is impossible to sustain as a small business owner with competition on the one hand and unfair systems on the other.

It is imperative to stop this kind of action where our rights are being violated with no further explanation provided. 
Your response is much needed and appreciated. 
Looking forward to hearing from you.
Product: Debt collection

I disputed this over the past several year even before the transferred it over to collections and still not taking it off my credit report someone stole all my information and open numerous amount of accounts in my name over the phone and internet I explained this to them
Product: Vehicle loan or lease

In XXXX of 2023, my husband was laid off from his job and employer withheld last paycheck. This caused us to get really behind in ALL our bills. I contacted Santander to let them know and to request an extension. I spoke with XXXX different reps that said they would be able to give me an extension but then I received an email directing me to my Santander auto account. In the letter they said they could not give me the extension bc not enough time had passed between the last extension and present time. I was pretty let down about it but I understood and did what I could to not lose the car. I paid {$150.00} XXXX separate times to show good faith. At that time Santander reported that I was XXXX  days late. I accepted this as it was true. However, on XX/XX/XXXX I also made another payment in the amount of {$650.00}. I had called and spoken with a rep that said if I had made that payment, I would not be past due anymore.

Then being that we were still in a pickle, I decided to request another extension. I spoke to a woman in some sort of forbearance department. She said we had qualified for the extension and when I had specifically asked her if doing an extension will cause them to report my acct as being past due, she said no, you're only XXXX days late at this point ( XX/XX/XXXX ) so it will not report as past due. She said they would only report it as past due if I was actually past due prior to the extension! I was happy that we qualified and that it would not get reported as past due. They emailed me paperwork, I signed and returned it the very same day. However, as soon as I signed the papers, the very next day I got an alert from XXXX XXXX and XXXX that Santander marked my acct as XXXX  days past due! I called and asked why they did that and was told by the rep that he wasnt sure why it got reported as such either bc my account shows as current prior to the extension but when I requested the past due be removed, he could not. I am not happy about this at all as it dropped my already poor credit score another XXXX points! Thanks Santander!
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - 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 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. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

On XX/XX/2022 I got paid for my XXXX XXXX claim and as soon as I got paid someone did an unauthorized atm withdrawal without my debit card and took all my money that I need to put food on my table. Ive never let anybody use my debit card and has always been safe in my wallet with all my other debit/credit cards so someone did debit card fraud on my account without using my card. Ive only ever used the debit card at the Bank of America located in XXXX ca to withdrawal the money and transfer over it to my other bank but when i went to do that on XX/XX/XXXX the money was already gone I really needed that money but Bank of America says it will take 90 days to investigate but I dont have 90 days I need my money right now
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ) the TransUnion shall block 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.

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TOTAL VISA for potential violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and unfair debt collection practices. 

I previously disputed an account with XXXX and XXXX, which resulted in the deletion of the account from my credit reports due to lack of verifiable evidence provided by Total.

Despite this, TOTAL VISA has continued to disregard removing the account associated with my my Social Security number and identification in an apparent attempt to remove the matter without a valid legal basis.

This action is highly questionable under FCRA 611 ( a ) ( 5 ) ( B ).

TOTAL VISA has also failed to provide a written explanation of their request and has ignored my demand for verification.

Applicable Violations : Unfair and Deceptive Practices : Requesting my personal information after an identity theft ruling appears to be a violation of FCRA 1681s-2, which requires furnishers to report accurate information.

Potential Privacy Violations : Demanding personal identification following an identity theft claim may violate my rights under CFPB and FTC regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX also known as XXXX  to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.
Product: Debt collection

Nation Credit System is trying to collect debt for another company XXXX XXXX XXXX XXXX XXXX, SC. it was put on my credit on XXXX XXXX for {$1400.00}. Lately they have been changing the amount from XXXX to XXXX. I even called to pay it off but I asked to send me a letter stating if I pay the full amount they would delete it. She refused to do it. She was very rude. If they was just trying to collect the money why is it a big deal to send a promise to delete letter?
Product: Money transfer, virtual currency, or money service

I am writing to raise serious concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite being a frequent user of Zelle and reporting discrepancies on multiple occasions, both the platform and my financial institution failed to conduct a thorough investigation into my claims. I was told that recovering lost funds was not possible and that tracking the transactions was beyond their capability. The CFPBs findings reveal a troubling pattern where Zelle has not only failed to safeguard its users but has also allowed repeat offenders to exploit the system unchecked. This lack of accountability and transparency undermines consumer trust and poses serious risks to user safety.
Product: Mortgage

After 10 years of payments toward the unyielding principal of the enclosed loan, it is only through its ballooning payments in XXXX that we realized, we were the victims of the predatory lending that drove our original lender ( primary and equity loans ) XXXX into bankruptcy. 
After a flurry of sale and transfer activity ( XXXX to XXXX XXXX XXXX XXXX XXXX  to XXXX to XXXX ) in XXXX, we had HUD adjustments and interest relief ( offered and initiated by the mortgage holder ) toward our primary mortgage. However, the equity loan was sold to 21st Mortgage and remained unchanged, untill XXXX and their demand for more than four times the amount, of monthly payment. 
With his job loss in XXXX, my husband chose the security and peace of mind, of paying off our primary mortgage with the majority of his 401K savings as he struggled to regain employment. At this ongoing, most financially difficult period of our lives, the enclosed documents will show the threat to our most profound need, our shelter, our home. 
I would appreciate any and all assistance you can provide, in correcting this unjust, remnant of predatory lending that allowed the lenders to walk away.