23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately 2021 mid late summer I had a loan modification completed, which I asked to refinance so that my payment could be lowered they told me that wouldnt help because my interest rate was low and I wouldnt be able to get that rate again. Then XX/XX/2021 I had a change of jobs with my income lowering and again they stated that refinancing my home loan in attempts to lower my payment because at this point it was choosing which bill to not pay to be able to pay mortgage, because a I didnt qualify for forbearance. I work in XXXX XXXX and for the first time got XXXX  was out of work 2 weeks but beings it was a new job I didnt have enough PTO built up to cover my absence and was not able to return to work until cleared by employee health to return working. Up to that point I had been current on mortgage. But once hit that bump everything seemed to spiral down from there with unexpected financial drains such as having to replace tires on my car due to flats, totaling of a car, another car being taken, washer and dryer going out, plumbing issues that couldnt wait, having to pay child care when I asked what could be done they stated I could do a short sale but I would lose money, I was told I couldnt do a forbearance I wouldnt qualify and I couldnt do another modification because it was too close to the last modification ; mind you this was my place of residence. It led to filing bankruptcy to help get things caught back up, but when it didnt work as planned due my employment not carrying out a work order to re-filing and since so close automatic stay was lifted. The statement given for it to be lifted were false information stating taxes were not filed but they were, that I listed I payed an attorney more than I did but I never entered that information. When I called in attempts to get a reinstatement figure or amount owed they wouldnt give me this information. When I called the lose mitigation number I was transferred several times until finally someone that could speak to me when trying to figure out how they could help me to save my place of residence they stated the computer system wouldnt let them go forward and they had no clue why. I asked for more time in attempt to complete a short sale but the lender still to no avail has not postponed my foreclosure auction long enough for me to apply.
Product: Credit card

On approximately XX/XX/XXXX I applied for a Chase Freedom Card. In order to be approved, I needed to reallocate credit from my existing accounts to this card, which I did. On or around XX/XX/XXXX, I called in to reallocate additional credit from my existing personal accounts to this card to give me more spending power. After successfully doing this, the representative offered to request a credit line increase and indicated there would be NO HARD INQUIRY on my credit report. I agreed to do so. I received a denial letter for my credit line increase. I also received a notification from XXXX that a hard inquiry had been made on XX/XX/XXXX from JPMCB. I called and spoke with XXXX to dispute this hard inquiry and was told that either Chase needed to remove the inquiry or XXXX could only do so with approval from Chase in writing. 

I called Chase on XX/XX/XXXX and was transferred a total of nine times on the call. The call lasted 1 hour and 52 minutes. After speaking with the lending team, several escalations representatives, credit bureau escalations, and several other departments, the credit bureau specialty unit directed me to write a letter to get this resolved. I sent the letter on XX/XX/XXXX. 

I received a letter dated XX/XX/XXXX indicating that the inquiry was reported accurately. Again, to be clear, I was explicitly told my increase would NOT result in a hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from Ally Financial from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Debt collection

I have been disputing a medical debt assigned to this debt collector for months. I first noticed an adverse remark reporting on my credit report. Once I looked into it, I contacted the debt collector, which is Online Information Services Inc. 

I immediately told them I had not received any written notifications from the medical provider nor from them with regards to the debt. The first notification I received was from when I went to go apply for a mortgage loan, the loan officer told me about this debt. I protect my credit feverishly and immediately looked into the issue. This account was paid on the spot after contacting this debt collector. 

Upon several credit bureau disputes, I have no choice but to file a claim against this debt collector for continuing to report incorrect information to my credit report. In addition, this collector received a written notice on XX/XX/2020 advising them of my position and knowledge of my rights, and as of the date of this filing they have ignored my correspondence. 

Specifically, I am aware that creditors and collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). They have been notified on several occasions this reporting is  innacurate I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX is writing to formally express my concerns regarding Zelle 's handling of disputes, particularly 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 CFPB 's 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation with both FCRA & FDCPA, FCRA - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


EQUIFAX IS REPORTING AN INCORRECT BALANCE ON ACCOUNT XXXX  XXXX XXXX Account number XXXX Last updated date XX/XX/2023, we are currently in XX/XX/2023 the balance currently is XXXX, both XXXX & XXXX have the correct balance. This inaccuracy is a violation of my rights, everyday this inaccuracy is hurting impacting me, my family & my businesses. 

FDCPA 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or Due to my rights you are in violation which you will need to submit a cashiers check to my address for {$1000.00} per day until this inaccuracy is corrected, payment sent overnight delivery. No later than 24 hrs of correction.
Product: Credit card or prepaid card

On XXXX XX/XX/2018, I made an online payment with Citibank for my Universal Card. I  received an email with confirmation number XXXX that the payment was made successfully. I owed {$2.00} and paid {$3.00}. Citi said the payment confirmation is a " pending '' or something like that, which is not stated on the confirmation. 

On XX/XX/2018, I received an email from Citi requesting a call to them about collecting a debt of {$25.00}, which was the {$2.00} plus a {$25.00} late fee. They said my bank XXXX could not process the payment because the account number was entered incorrectly or something. 

I went to the website to determine what was going on, but it would not let me proceed to any screens without making a payment, despite the fact that I was disputing that I owed them any money. I called them but could only get their debt collection section not regular customer service. Debt collection could only process payments and not address any other issues. 

I recorded the phone call with citibank and spoke to 3 different employees. I requested they not call me about late payments. I was told their policy is that they would not call me about anything including fraud. I stated they could not place me on a blanket do not call list because I wanted fraud protection and that they were required by federal law to protect my card from fraud. They refused. I was told they could send text alerts about fraud. I was told they could not guarantee that I would not text about other issues, when I asked about receiving texts only for fraud. 

I requested a copy of this policy and was told they did not have to provide it as a matter of Georgia law. I stated they did have to as a matter of Federal law if they are breaking the law. 

I asked about removing the late fee, when I had a confirmation that I had paid. They refused. I said that was a violation of the credit reporting act. I said it was a violation of State of Georgia law as well. 

I tried to review the data online but their site did not allow me to do that nor edit the data, so I added the account again and paid them the minimum it would let me pay which was {$5.00} on XX/XX/2018. They said they make the phone call so the account is not past due, but they did not call me until the account was 6 days past due. 

I should not be forced to pay any disputed amounts, until a determination about what happened and how it happened is completed.
Product: Money transfer, virtual currency, or money service

I won the lottery on three separate tickets and scammer and hacker robbed my Netspend account, my home and transferred funds to different banks without my permission I didnt have any offsets and my identity was stolen. I was also XXXX and hospitalized shortly after. It took months for me to remember what happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to TRANSUNION. I contacted them last XX/XX/XXXX, regarding the inaccuracies in my report. I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/XXXX, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. I have contacted them several times but I received no response from them. This account should be remove immediately. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian or its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly affect and undermine consumer protections. It also perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar way.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST XXXX, EXPERIAN, AND XXXX XXXX FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.
Product: Checking or savings account

in XX/XX/2020 I pulled my credit report and my XXXX XXXX in hope of purchasing a new home to find out someone has opened accounts in my name with out my authorization I contacted them but they refused to remove this fraudulent erroneous item from my report. below I will attach proof that I was a victim of identity fraud.
Product: Credit reporting or other personal consumer reports

Payments that were marked late by your company for the following date ( s ) : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear DISCOVERBANK, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that DISCOVERBANK immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes.

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that DISCOVERBANK will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX Idaho XXXX. In XXXXXXXX XXXX XXXX, I met a person on XXXXXXXX XXXX named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX XXXX  She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my XXXX account and my XXXX wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my XXXX account and those dates were First date of Transaction XX/XX/ and Last date of Transaction XX/XX/. The total amount of money deposited was $ XXXX.She then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the bitcoin IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a XXXX, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account.

I want you to know that I understand, and have great respect for my financial obligations.

Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX
Product: Credit card

A account was opened up under my name at amex under a fraudulent name using my social security number with a address on the other side of the XXXX. There were multiple accounts opened up using my social security number which I will add screen shots for. I discovered this issue when trying to verify my credit to rent a apartment. I called amex to cancel all accounts on XX/XX/XXXX and to report the fraud opening of an account with them. It took amex till XX/XX/XXXX tp actually close out the account and the person committing the fraud was able to post payments during this time. After 33 days amex said they are still working on this but can not provide me any updates or documentation around where they are in the process. I provided them my address and information several times but despite that they cancelled the initial investigation stating the addess of payments received came from the fraud address which matched their records and past their checks resulting in a new case at XXXX being opened for the same original issue. They have been providing me incorrect information and conflicting information over the XXXX times that I called them despite having all of our conversations recorded. I need this issue resolved ASAP so I can rent a apartment and recover my credit score. I don't have the card number or account number at amex since I never actually opened the account or filed for the new cars and amex will not provide me this information.