23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are retired, and we live debt free. We don't buy anything unless we can pay for it in full, including our new ( er ) XXXX automobile. 
If and when we buy another home, we'll pay cash for the property or we won't buy it. 
We have money in the bank ( 6 figures in savings ) and use our credit cards but ALWAYS pay them off in full every month. 
I froze my credit a few years back ; my wife 's credit is still 'open '. 
Our 'Credit Score'* is pretty good I guess : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX But the fact that it is dropping constantly even though we pay our bills every month, and WORK HARD to live within our means, is making me crazy! And it tells me in no uncertain terms that the credit reporting agencies, financial institutions, and the Fed are complicit in keeping Americans buried in debt, while penalizing those of us that pay our bills and strive to live debt free. 
The reasons for our falling credit score? 
1 ) 'Not enough balance paid down over time on revolving accounts. ' We always pay our credit card balances down completely. Every month. 
I'm not even sure what 'revolving accounts ' are - but apparently we don't have them or are somewhere misusing them? 
2 ) 'No open real estate secured loans in your credit file. ' What? We bought our last home in XXXX, and after qualifying for a mortgage** to buy the house, paid the mortgage off in full within 2 years. Is it because we don't have a mortgage that we're being penalized? 
There are a couple of other reasons listed for our falling credit score, neither of which make any sense to us. We just don't get it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
*XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I took advantage of the Nebraska HAF program and on XX/XX/2022 is when Wells Fargo advised to them their system was down. When I contacted Wells Fargo on numerous occasions they said they have no information about any government program and when I call the NHAF they place blame on them meanwhile Wells Fargo is attempting to put a foreclosure on my house and I went from a bad situation to detrimental depending on a program that Governor XXXX XXXX stated was supposed to help the homeowners and no one is being accountable about this process at all. I have asked for several manager callbacks from NHAF with no response and Wells Fargo won't connect me to the department that handles their special loans. NHAF reps said XXXX Wells Fargo customers are affected and what it appears is Wells Fargo may be purposely not responding to the paying party because they rather to sell the homes then work with consumers ultimately.
Product: Mortgage

XX/XX/XXXX house burned down, requested a pay off in writing on XX/XX/XXXX, company received a check exceeding the payoff amount because insurance agent wanted to send enough to cover the payoff, since Village Capital never sent a pay off upon being verbally asked. XX/XX/XXXX at XXXX XXXX, the front desk waiver the right for signature and received the letter. I contacted village capital every day after that because they would always give me a different answer to the same question, " Why haven't you cashed the check. '' Here it is a month later and they still have not XXXX  out my account. I am trying to get my family out of this cold camper and in a warm house.
Product: Checking or savings account

On XX/XX/XXXX  I opened an small business checking account with Kabbage by American Express. On the same day, I began the transfer of {$6000.00} to this new checking account. When I attempted to access my account on XX/XX/, to review the status of my transfer and to begin making additional deposits into the account, I was informed that the account " has been locked for security purposes '' and that this was " done to keep your account secure. To unlock your account, please contact us. '' I've attempted to contact this company on several occasions, beginning on XX/XX/XXXX, and through the weekend to XX/XX/XXXX, each time hearing a recorded message that - despite the company 's published customer service hours - customer service was unavailable and would be available the following day at XXXXXXXX XXXX XXXX ; the company, as of the time of this filing, has not reopened and therefore has been unable to unlock my account and provide me access to my funds.
Product: Credit card or prepaid card

XXXX XXXX XXXX ( hereinafter referred to as " the merchant '' ) overcharged my credit card for airfare. I attempted to resolve the dispute with the merchant, however, they never contacted me or offered a refund. Therefore, I opened a dispute case with Barclays ( hereinafter referred to as " the bank '' ). I was notified by the bank that I had been issued a provisional credit for the amount discrepancy. When I arrived at the airport and attempted to check-in, I was told by the reservation desk representative, that my reservation had been voided/cancelled by the merchant due to the bank withdrawing the funds. My only option was to purchase a new set of tickets. The merchant and the bank had earlier told me that my reservation would not be jeopardized due to the dispute. I contacted the bank again and explained to them what had happened. I was instructed to send additional information in which I did. I was notified by the bank that I had been issued a provisional credit for the remainder of the amount for the cancelled reservation. Finally, I received notification from the band that the amount I had been credited was being re-applied to my account. I contacted the bank 's disputes department two more times and requested a manager call-back. I did not receive a call back but was told that I had exhausted my options withing the banking industry. 

Re : Barclays Dispute case # XXXX ; XXXX ; XXXX XXXX Re : XXXX Dispute case # XXXX ; XXXX In summary, I am being charged for an airline reservation that was cancelled by the merchant.
Product: Checking or savings account

We received unsolicited debits cards and checks from TD Bank.As stated, we did not request the cards or checks. 
On XXXX XXXX we contacted TDBank and spoke to the fraud department.They told us that the account associated with the cards and checks had been closed and that a " restriction '' was placed on anything with my name. 
We are extremely disappointed in the fact that TD Bank allowed the cards and checks to be sent to hundreds of people in an unsolicited fashion. 
The fact that our personal information was used caused us much trouble and XXXX and hope that TD Bank suffers from their greed.
Product: Debt collection

Refused to listen and take it off my credit reports. FTC has already filed this bill as ID Theft in 2019. I will not fill out a identity theft form from them since FTC and their law enforcement has it on file. They know how to look up from FTC if COLLECTION company is legi as they say.
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible. 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. This lack of accountability & transparency is unacceptable & raises serious concerns about consumer safety.
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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX 15 U.S. Code 1681c-2, A consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Delete These accounts IMMEDIATELY! 

XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : **** XXXX XXXX. Account # : **** XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( collection account ) Account # : XXXX XXXX XXXX XXXX. ( collection account ) Account # : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION to the consumer which it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am DEMANDING the deletion of the accounts listed above IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is fraudulently and vindictively punishing those who have filed CFPB complaints against Experian.     Every time I want to temporarily remove a security freeze ( or perform virtually any other type of online function ), Experian refuses with the lue they can not verify my identity. They then insist that I have to use the mail to submit my request and great delay and inconvenience. They do this as retribution for previously filed CFPB complaints against them.     When requesting a temporary lifting of a credit freeze, I correctly and precisely enter my PIN and other identifying data. I enter my address exactly as it appears on a recent Experian credit report I have in hand. Each time, Experian refuses to unfreeze my credit file because, they lie, they are unable to confirm my identity.     Experian then suggests I pay them {$25.00} per month for their credit monitoring and credit lock service. When I enter the exact same personal information and pay them {$25.00}, they can then miraculously immediately confirm my identity.
Product: Credit reporting or other personal consumer reports

Capital One let me have a {$200.00} secured credit card. This means its my money that is being used for the collateral. Capital One isnt losing anything out of this arrangement. I lost my job and couldnt get through to make arrangements when I lost my job. That part is on me. When I received the total they charged me for late fees that exceeded {$150.00}. So they charged me for using my own money as credit. I can accept that. I wont accept paying that balance plus my deposit being taken and they still think I owe them late fees. I disputed it with the credit bureaus and showed proof of my payment. The final balance was {$350.00}. My original {$200.00} plus I paid another {$150.00}. That payed it in full. They are still reporting a late fee on a closed account. They closed the account. I wont pay the {$49.00} they claim I owe them.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail stating that a company system had been hacked and my information was stolen. I decided to do a credit report on myself and I noticed a few inquiries on my credit report that I did not authorize. I have filed an identity theft 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 XXXXXX/XX/XXXX
Product: Student loan

I am writing to bring to your attention the continuing refusal of FedLoan Servicing XXXX XXXX  ) to certify my Public Service Loan Forgiveness ( PSLF ). I've written to you about this matter in XXXX, XXXX, and XXXX. FedLoan continues to fail to resolve the situation, though the problem they articulate changes. Even with the recently announced changes in the PSLF program, XXXX has demonstrated a pattern of systematically denying PSLF relief, exhibiting frequent careless errors, lack of communication, lack of transparency, and poor service. 

Despite 17 years working in public service amounting to at least XXXX qualifying payments, FedLoan has to date credited me with only XXXX payments. I am burdened with over {$35000.00} in student loans, most of which I have carried since I graduated as an undergraduate in XXXX. This large debt, combined with my choice to make a relatively low income in public education, has prevented me from getting housing loans due to my high debt-to-income ratio. 

In the last round with FedLoan, I did a full accounting, re-submitting employment certification for at least XXXX qualifying periods, waiting for two months for an answer from FedLoan. They responded with 7 letters, detailing non-existent errors in the certification forms ( allegedly missing XXXX and answers that are clearly provided on employer certification ), neglecting important details ( overlapping employment ), denying me once again PSLF relief. I resubmitted my PSLF Application and Employee Certification. When I tried to call FedLoan 's customer service, I waited more than XXXX hrs before my call was suddenly dropped. 

Please look into my case once again and see if we can help not only my case, but the hundreds of thousands of borrowers that FedLoan is withholding their rightful Public Service Loan Forgiveness. 

Thank you for your time, attention, and advocacy. I have attached a few relevant documents.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Debt collection

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern
Product: Mortgage

I sent Loan Care a check and asked them to put it against the Escrow and they used it against the Interest and Principle. 

This is violation of the Law.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

From XXXX until XXXX, I completed all necessary documents for a modification and was denied repeatedly for incomplete paperwork. I lost my home in foreclosure after all attempts to satisfy the Carrington Mortgage loan modification team.
Product: Debt collection

My name and identity was stolen and the US District Attorneys Office notified me of the breach/that I was a victim of Identity Theft. 

Jefferson Capital System {$440.00} Jefferson Capital System {$930.00} XXXX XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to Trans Union and possibly XXXX. 


At the end of XX/XX/XXXX I contacted XXXX XXXX  via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that TransUnion did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. TransUnion had no record of XXXX XXXX  which explained why my credit score was 30 points lower than XXXX and XXXX. I immediately initiated a dispute with TransUnion and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX after speaking with a manager at TransUnion to get XXXX to respond so they could discover the error with my XXXX XXXX. TransUnion responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

STATE EMPLOYEES CRED UNION and XXXX continue to report information they know to be inaccurate. The letter of credit that id deposited into the bank is what grants this credit line therefore I am entitled to equitable relief that should settle any balances due if not the profits should be turned over to me as the registered security is in my name and the credit line has been terminated. Therefore State Employees Credit Union is knowingly furnishing deceptive information to XXXX and the alleged investigation XXXX says they conducted has to be incorrect because the bank ledger should read the credit for which my letter credit was accepted and deposited.