23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started a construction loan/mortgage with XXXX XXXX ( now First Merchants ) in XX/XX/2022. The loan officer ( XXXX XXXX ) strung us along with false information and promised closing dates that did not happen.

We escalated this issue at the bank and eventually the loan was closed but : * It closed several months after promised closing * We were forced by the bank to pay off some current loans which took away cash we had saved for the house build, made us lose cash discounts and increased the amount of money we had to finance with the bank * We were forced to pay off our son 's student loan ( we were co-signers ) and he may now lose out on {$10000.00} of forgiveness.

Once the loan was closed, it was nearly impossible for me to pay. I requested online access several times and was told they could not authorize our online account. I went into a physical XXXX XXXX ( now First Merchant 's ) branch and three different bank employees told me they could not figure out how to take my payment because they were not sure if it was a construction loan or mortgage. I did have loan statement with me including the account number. 

It took the bank multiple requests to pay out the final draw our builder which out us in a bad situation. Our builder is a client of mine and this incompetence put my business at risk. 

XXXX XX/XX/XXXX, we received an email from the bank ( XXXX XXXX ) stating our loan was rolling over from a construction loan to a mortgage and we needed to submit {$11000.00} immediately to roll over the loan. We were told no payment was due for XXXX or XXXX and our first payment of {$3300.00} would be due XX/XX/XXXX. 

We jumped through hoops to come up with {$11000.00} with about 48 hours ' notice and sent it to the bank. 

Last week, my husband and I did a conference call with XXXX XXXX XXXX ) who stated we did not make our XXXX payment. We explained the situation to her and sent her XXXX XXXXXXXX XXXX  contact information. XXXX stated she would get this figured out, put it in a holding pattern so it was not reported to the credit bureaus, and she stated she would " do what she promised '' and call us back with an update. We have never heard back from her. We also just received notice that this was turned into the credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

From Equifax credit report :XX/XX/XXXX : XXXX XXXX shows an account status/type of Credit Card with a balance of USD {$1800.00} XX/XX/XXXX : XXXX XXXX shown an account/status type of " Amount in h/c column is credit limit '' of USD XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information in my credit report. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), alleging violations of the Fair Credit Reporting Act ( FCRA ), including failures to properly investigate consumer disputes and the reinsertion of inaccurate information. 
I believe the following inaccuracies in my credit report may be reflective of the issues raised in this lawsuit. I kindly request that you investigate and correct the disputed items : 1. XXXX : a. AccountName : XXXX 
XXXX : XXXX XXXX : Closed Payment Status : Seriously past due date/ assigned to attorney/collection agency. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23
Product: Money transfer, virtual currency, or money service

Used an ATM of XXXX All points, on XX/XX/year> between XXXX and XXXX XXXX, punched in the amount of XXXX dollars, on first transaction, waited for funding to tumble out machine, didn't hear cash come out ATM and the funding was retracted back into the Machine, I needed the funding badly so I made a second transaction for the same amount of XXXX dollars which I was able to retrieved quickly, looked for phone number on ATM and it was not present to report the first transaction that had been retracted back into the machine for the same amount, asked the security guard present in XXXX XXXX the machine was located was the machine malfunctioning because my cash had been drawn back into machine, I was told to call my bank, which is XXXX Bank XXXX I did and filed my issue with them, I still have not received any refund from Citibank XXXX, I then filed an appeal on my behalf with XXXX Bank XXXX and has been over 2 months waiting for the issue to be the resolved, I uploaded my receipts also to XXXX for XXXX of the amount that was debited from account, which are still posted in my transaction statement currently, I don't know what proof Citibank XXXX from XXXX Bank XXXX receive my refund from the first initial transaction or statues of limitations or policies on such matters, I don't know if its miscommunication between both banks, but I'm still stuck without my refund of my XXXX dollars, I can desperately use. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

They wrote back stating too bad and we are not taking it off.
Product: Checking or savings account

wells fargo is not giving me the other {$2000.00} out of the {$6400.00} i lost XX/XX/XXXX to XX/XX/XXXX from fraudulent transactions and carges made with my card, i entered my debit card info on a fake ups website saying that i needed to pay 1 cent for confirmation to see where my package was. There reason has been that i had the physical copy of my card so the charges were made by me or someone who has access to it. On XX/XX/XXXX they sent a letter stating that an error did occur and gave me {$4300.00} and i want the other {$2000.00} they arent giving me from the same fraudulent charges, but None of the statements they keep telling me make sense. All of the charges are wired to the same thing, so why they wont give me the rest of my money dosent make sense, ive called them and they say the same thing everytime, the claim is closed i get letters saying its closed, then open again without any of my input, so i dont know whats going on. I just want the rest of they money i lost from those fraudulent transactions ( {$6400.00} ) One of the many lies on there end was i didnt call in time. I called the same day a few hours after all of those charges were made, they just brush off everything i say, this has been a back and forth for over 5 months i just want it to be done. They sent me {$4300.00} i just want the rest that is owed to me. There reason yet again is that i had my card, but all the charges are the same and they gave me part of the money already so it dosent make sense. On XX/XX/year> they said they completed the claim and gave me {$4300.00} i just want the other {$2000.00}. The bank statements i have provided show everything.
Product: Debt collection

I had two medical bills, first time in 2016 i didn't have health insurance but i had mentioned that and some social worker came and told me that you don't worry, you will have to pay not a single dime and they coming after me, i had called the hospital several time and i talked to collection agency 4-5 times and they said i have to contact hospital in order to remove from my credit history now this is not right because i was told by social worker name XXXX or XXXX something and still the collection agency, name XXXX i believe says they can't remove this thing fron my credit record their name is Phoenix Financial Phone Number is ( XXXX ) XXXX they have told me that they can't contact hospital when i asked them to provide me the date of service, they said i have to contact hospital but anyway i was told by social worker that i won't have to pay any thing other wise i would have not gone to that hospital. And this is in 2016 and after all this years it didn't go to collection, i had called hospital several times like 2 years ago and they didn't tell me any thing.i had explained them about social worker too every time i called them. The amount they ( collection Agency ) billing me is {$1800.00}
Product: Debt collection

Velocity Investments keeps demanding payment for a debt they have defective title to. I have filed a complaint with Nevada Financial Institutions Division. Velocity ignored FID letters and resumed hassling me. Copy of my new complaint I am filing with NV FID : 1 ) Velocity Investments, nor any of its agents, have provided any validation of this debt as per Financial Institutions Division, State of Nevada letter to Velocity dated XXXX XXXX, XXXX 2 ) Velocity, not its agents, have provided a verified answer with notarized signature ( per FID letter to Velocity dated XXXX XXXX, XXXX ) 3 ) That Velocity and its collections agents have violated my rights as a consumer under the FDCPA in the following ways : 1 ) attempting to collect on a debt they have not verified/validated, even though I demanded verification within 30 days of their demand letter ( XXXX XXXX Solutions ) dated XXXX XXXX XXXX XXXX FDCPA violation ) 2 ) attempting to collect a debt they have no valid legal claim to ( FDCPA violation ) 3 ) attempting to collect a debt that is beyond the statutes of limitations ( FDCPA violation ) 4 ) Failing to inform their collections agents ( 2 of them ) that the debt is in dispute ( XXXX FDCPA violations ) - Velocity may have violated my rights in other ways. I have consulted an attorney on this matter, but have not yet retained one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion credit Bureaus have not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$1900.00}
Product: Debt collection

ON XX/XX/2021 I attempted through the XXXX Dispute forum to dispute the validity of the debt as well as inform them and warn them for the third time that they are in violation of the FCRA, as both they as an organization that bought the debt and the original owner of the debt XXXX XXXX are both reporting the same debt which is not allowed. Bull City just keeps responding that the amount and debt is accurate and refuses to remove the item from Collections. Bull City needs to be fined for an FCRA violation and censored and have the privilege of reporting debt taken away from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Product: Credit reporting or other personal consumer reports

I received a call from one of the companies ( One Main Financial ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( XXXX ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through XXXX XXXX ; again I have never requested or created an account with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXXXXXX XXXX/ {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. 

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

Ive gone over my recent credit report and identified a number of accounts that appear to have been added without my consent.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccurate accounts reporting. 

There is inaccurate information on all creditors for last reported, active, open, and payment date doesn't align with each creditor. Late payments are also different as well when creditor reported it to the credit bureaus. 

There are so many inaccurate information that has been falsified and reported.
Product: Money transfer, virtual currency, or money service

Hello Im reaching out to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and as well reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately multiple times. Shortly I was informed 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 also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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 HAVE NEVER APPLIED FOR CREDIT WITH XXXX  XXXX ON XXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.
Product: Debt collection

I sent a validation of debt letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collections activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about DISCOVER FINANCIAL SERVICES and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with DISCOVER on that date. I had applied to Discover on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. 
Please launch an investigation into Discover Financial Services inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Discover is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is I C Systems and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
Product: Debt collection

Receivables performance management started calling my husbands cell phone on XX/XX/2015, and have called either it or the house phone almost everyday since then. At the time of the first call he set up a payment plan for XXXX payments of {$25.00} ever other week because that is all there system could do. They have started calling our house almost every day since then and have asked for a post dated check. They asked my husband to set up payments on his dept card for next year after telling us they could only set up XXXX payments at a time they were also wanted us to agree to giving them XXXX payments of XXXX in XXXX and XXXX which we can not afford and would not agree to they also suggested we could use out tax check from next year to help out this all happened today XX/XX/2015.. We have asked them several times to please stop calling and they continue to call. We also have XXXX emails with the payment plan between them and us on this matter. They also get rude and hang up on you before you can finish discussing the matter of why they keep calling..
Product: Credit card or prepaid card

Since XX/XX/XXXX Serve Prepaid card disputes team have been messing up a dispute filed on that date against XXXX 's {$110.00}. Disputes Dept keep filling the dispute under the wrong tag refund to customer, credit to customer, returned merchandise. To mention a few. Finally after i appealed it many times it's filled the right way. Since XX/XX/18 Serve disputes Dept charged XXXX 's back for {$110.00} which XXXX 's had been claiming they returned the funds to Serve that day. My account was never credited. However was given provisional credit which Serve reversed cause now they say it was an authorized charge and XXXX 's is saying they have the funds now
Product: Credit card or prepaid card

I have been facing a series of challenges with your Capital One Venture card since opening the account in XXXX. Despite several attempts to receive the card, me and my authorized user had difficulty receiving it due to an incorrect address on file. Once I began using the card, my partner 's account was compromised, leading to the need for new checks, account numbers, and cards. In addition, I switched banks from XXXX to XXXX due to a lack of physical XXXX locations in your area. 

Unfortunately, Capital One then restricted all of my accounts with them due to an old account number saved for payments that had not been updated, causing payments to be returned. You attempted to provide documentation and proof of your current account, but Capital One required a statement within the last 90 days, which was not possible as your account had been closed, and you had opted for paperless billing. Despite notifying Capital One, they insisted that the only way to unrestrict your account was to provide the requested documentation. But they have no issues with taking my money from my updated account and still giving me no service. 

To make matters worse, my account has been subject to unauthorized fraudulent transactions that have reached their limit, and Im are still making monthly payments for these transactions. Even though it is still restricted. Capital One has refused to address the fraudulent transactions until your account is unrestricted, yet they have not provided any assistance in un-restricting my account. Each time I have contacted them, Ive been referred to a special department that says they will send my account up for review and that they can't help me because my account is restricted, but it has been almost six months, and there has been no resolution. This situation is causing undue stress and affecting my mental health, and my credit score is being adversely affected.