23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When applying for a mortgage through Quicken loans I was misadvised by the underwriter XXXX XXXX. During a telephone conversation XXXX advised that I would need a letter or relocation in order to continue with the loan. I told XXXX I would not have that for some time, since I was not relocating for 6 months. XXXX advised me to replied to his email and state what we discussed on the phone and outline my relocation. I did so only to receive an email from him that Quicken needed this on company letterhead. I reluctantly troubled my boss for the letter and sent it to XXXX. XXXX then replied that the letter needed to be signed. I again troubled my boss to sign the letter he had drafted. I feel that the underwriters should know the requirements of the documents that they are requesting. I feel that XXXX was just guessing, this caused frustration and wasted my time, my boss 's time and XXXX 's time.
Product: Credit reporting or other personal consumer reports

XXXX reviewed notes and completed a CFPB complaint online every 15 days for 3 Credit Bureaus.

This is the follow up complaint for My information has been exposed in the Equifax data breach. im a victim of identity theft. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} 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

I have called Axos XXXX/Axos Bank on several dates since XX/XX/2021 concerning a withdrawal in the amount of XXXX that began on XX/XX/2021 and has been pending since as well as a deposit that began on XX/XX/2021 for XXXX. It is important to note that the deposit of XXXX cleared from my bank account at XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I am very concerned since this was a change of platforms not of companies yet there are several issues with me being able to access my money. I am also concerned that they will " lose '' my money if I asked to have it transferred to another bank. In total I have a little more than {$24000.00} in this bank and I am very concerned I will lose access to my life savings. Please help.
Product: Debt collection

This company XXXX XXXX XXXX a collection agency date XX/XX/2018 is charging me XXXX dollars where, I downloaded the cell phone equipment to the XXXX company. Where is affeting me in my Credit bureau and I tried to talk to them but they want to be paid that amount of money, where I do not owe that money ...
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling my disputes, particularly in light of 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 were impossible and that tracking these transactions were 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I've just received a call from a woman named XXXX  looking for someone else. Phone number XXXX.

Contacted my phone numerous times. I've insisted I'm not the person she's looking for however, the calling will not cease. These harassing calls and threats of legal action to something I do not have any knowledge of towards the person she's insisting on reaching is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX
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 confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Have had multiple fraud problems with target since there breach. There online services is never up been trying for days. The amount in dispute is {$320.00} dollars. I contacted them once I found out about the fraud. They accused me of making the purchase because the pin was used. They never looked into the case or pulled footage. They denied the claim because pin was used and not changed before fraud. The card was in my possession. I called back on XX/XX/19 and was Informed I am being held liable even though again they have been breached multiple times and did not actually inquire into the matter. If they would have pulled footage from there own store they could clearly see the purchase was not made by me or anyone I am associated with
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

ON XX/XX/XXXX WE CLOSED WITH XXXX XXXX THEN WE REFINANCED IN XX/XX/XXXX WE NEVER RECIEVED OUR TILA DOCUMENTS WE ALSO DIDNT RECIEVE OUR FINAL CLOSING DOCS 3 DAYS IN ADVANCE. 
A LAWFUL CONTRACT MUST HAVE FOUR PRESENT ITEMS 1 FULL DISCLOSURE 2. EQUAL COONSIDERATION ( THEY BROUGHT NOTHING OF VALUE TO THE TABLE. SO THEY HAD NOTHING TO LOOSE ). 
3.LAWFUL TERMS AND CONDITIONS ( THIS WAS BASED ON FRAUD ) 4.THE WET INK SIGNATURES OF BOTH PARTIES. MY NOTE ONLY HAS ONE SIGNATURE
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not provided me with no proof or contract or sign agreement with XXXX that shows on my credit file. There has been no contract on behalf of Transunion nor XXXX that shows I agreed for century link to run hard credit XX/XX/ as it appears on my credit file. I have also file with the US Attorney on Transunion and XXXX XXXX to provide the document that shows I agreed to run credit or a agreement that show my signature for the said credit transaction. Transunion needs to provide proof from XXXX in documentation for not verbal or some made up XXXX of XXXX with nothing to support the claim in writing, contract, electronic signature of the said transactionXX/XX/19 by centurylink
Product: Vehicle loan or lease

Account number XXXX XX/XX/XXXX ( 4 ) phone calls to Hyundai Finance ( Option 4 ) Talked with XXXX who directed me to pay off the total amount on online. 
Submitted a one time payment of {$11000.00} ( Confirmation number XXXX ) as well as the exact odometer reading for the car ( XXXX ). 
Was told by XXXX to call back next day, that payment would clear they could release title to he sent in 7-10 days. 
XX/XX/XXXX ( 1 ) Phone call made to Hyundai Finance ( Option 4 ). Spoke with ( unknown ) and informed it could take up to 1-2 days. Was asked to update my address to my current address XX/XX/XXXX {$11000.00} was taken out of my bank account so proceeded to call to have title released. 
Spoke with someone ( unknown ) who stated I owe an additional {$160.00} due to the change in address ( questionable, but emergency to receive title in time so paid ). Confirmed they received the {$11000.00} but was still pending s XX/XX/XXXX ( XXXX ) Phone call made to Hyundai Finance ( Option 4 ) Calling because now the amount of {$160.00} was taken out of my bank account. 
Got transferred to customer service at that point told me that the money still not applied but all of my paperwork is submitted, and now this will take 7-10 additional days. 
XX/XX/XXXX - informed me that the in-house process will take between 30-60 days to apply the amount paid on XX/XX/2022 & XX/XX/2022. asked for supervisor who said he put priority but unwilling to tell me how long it will take. 
XX/XX/XXXX - customer service said XXXX still owed. Transferred to lease end who said they see both payments but not released, transferred to lease end who said requested to close account an additional XXXX days before can be processed. 

Was told would have title in hand in 10 business days. Paid nearly $ XXXX online and now told you to two months. Had a buyer lined up for car, now Im not able to sell because they keep promising different dates. Moving out of state XX/XX/XXXX. Read reviews online, and this is what they do. It is so important I get the title in hand when promised. My family and I have completely packed up everything we have and depended on getting the title in hand to be able to sell the car and get out to our new home on the XXXX XXXX to be there for my mothers end of life. It is extremely disturbing that there are promises made to customers which we depend on.. in this case, family and I will not only miss saying goodbye to my mother, but my family and I could end up homeless without a place to stay, and down $ XXXX. My bank has confirmed they accepted the payment.
Product: Money transfer, virtual currency, or money service

I have lost a total of XXXX. 
One money was sent to the wrong number and could not get it back or cancel on same day. 
Scammed or off XXXX from inheritance scam, reported to police and still couldn't get money back.
Product: Debt collection

I was involved in apartment lease with XXXX XXXX but due to the pandemic I was obligatory let the apartment. I noticed the apartment manager and she said verbally dont worry you can stay and pay some payments while the month is going. 

But due the pandemic my income was definitely worse, ; with any extra money to paid a least to pay the utilities.. due this situation I was decided for letting the apartment vacant. : and she told me could the best choice without any penalty,, now after months they send my account to collection without previous agreement or anything related with communications..
Product: Debt collection

These accounts are currently in litigation and should not be reporting on my credit.
Product: Credit card or prepaid card

I made a deposit with XXXX XXXX XXXX using my Citi XXXX XXXX card ending in XXXX for {$200.00}, with monthly payments of {$35.00}, up until full payment and to now I have paid {$300.00}. I read the Legal Cruise Contract for XXXX XXXX before booking ( my booking # XXXX ) and it stated full refund up 61-days prior to sailing for 2, 4, 5, etc. day cruises. At that time I searched for Cruises to XXXX, there were no cruises available on my specific dates. I later found the same cruise ( booking # :XXXX ) for a longer duration and paid the {$150.00} deposit. I tried to cancel the first booking and so after I paid, THERE IT IS, if you want to cancel, you will have to pay {$49.00} per person totaling {$100.00}, however when you are booking the cruise nowhere can you find this information a total entrapment. When you call the agents, they tell you its on the website, but for the consumer it is very hard to see how much you will be charged. I looked and looked until I found a cruise contract. I am booked for two cruises in the same year XX/XX/XXXX to XXXX and XXXX is refusing to assist me with moving the {$300.00} over to ( booking # :XXXX ) so I called Citi to assist with a dispute and Citi has really made it worse. Yesterday I was on the phone several times trying to get assistance in opening a dispute, however Citi gives me a {$35.00} credit for one payment to XXXX and opens a dispute for the wrong cruise even though I made it clear to the customer service agent I was speaking to. I called again this morning the customer service agent gave me a credit for {$1.00}. I opened a dispute that Citi doesn't understand why. XXXX XXXX needs to stop the misleading advertisements. I have cruised several times and this was the first time I have seen misleading advertisement about canceling. It's just not clear and Citi made it worse.
Product: Mortgage

XXXX Loan was sold to mr Cooper, I have previously made payment to prior mortgage company on XX/XX/year>, was calling to see where mortgage payment was, and if there was a problem, before it came a problem, because mr coopers website is stating I am already late. Tried using there automated system and it just looped me in to a continuing cycle. I asked for customer service, and it kept asking for what, I would say payments, then again what I needed and then again asked for customer service and got nothing, finally I asked about refinance, got a XXXX on the phone, asked to be transfer, she had no idea, she was from XXXX she stated. What is a consumer supposed to do. CFPB has been playing with this company for years, maybe it's time to finally hit them where It hurts finance wise.
Product: Debt collection

XX/XX/year> - {$1200.00} - I contacted debt collector to provide me with a copy of any signed contract by me and they didn't send it. 

XX/XX/year> - {$130.00} - I contacted debt collector to provide me with a copy of any signed contract by me and they didn't send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in my credit report.
Product: Debt collection

I received a letter from the Jacob Law Group , PLLC, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.
Product: Debt collection

I'm unaware of any contract with this company! contacted me at XXXX ; XXXX on XXXX XXXX 24
Product: Debt collection

Northland group showed up to my XXXX on XXXX parking next to my car. The passenger got out and was looking in the windows of the vehicle. No one came to my door or called prior or sent me anything in the mail. My dogs alerted me to someone messing with my vehicle. I took pictures of their plates and vehicle. Upon doing so the gentleman took off then called me from a number that showed up as northland group. They showed up again later that night. Again just parked next to my car and no contact made, after my dogs alerted me and I was hearing outside they took off. I have yet to reiceve any communication from the debt collectors stating they are debt collectors, what debt, etc. But they have repeatedly called since XXXX. They do not state anything and for this reason and due to no correspondence I have blocked the number and yet they still call. I have asked several times for them to stop contacting my unlisted cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting, Not correct social security number, with this Capital One reporting. The other credit Bureaus have been informed and removed the reporting yet XXXX  still remains as negative, false and wring information Capital One debt, is not associated with this Social Security number
Product: Vehicle loan or lease

Had a refinance loan that was sent to collections after the vehicle was voluntarily repossessed and the amount was paid. The loan had XXXX insurance that was never used but never refunded to me. This was in XXXX. Vehicle was picked up in XXXX Texas on a voluntary repossession.