23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX # XXXX Was the loan officer for my clients who are an older couple. XXXX XXXX failed to provide any documentation, loan rates, or any guidance. My clients consistently requested XXXX for communication. 

We only found out one week before the closing that XXXX told my clients that the appraisal didnt happen. When my clients and I tried to ask for explanation and dates he never responded. 

When he finally responded the day before the closing it was to say that the appraiser was going to reschedule next Wednesday. 

One of my clients who had a XXXX 3 years ago shut down and slept for 3 days because they had movers coming and they had canceled their lease at penalty since XXXX never communicated that there was any issues with the loan even when we asked for status updates he NEVER responded. 

When we told XXXX we were moving on from to another lender because that was the condition that the sellers requested to keep the deal alive XXXX called to threaten my clients saying that they will never find another appraisal and they will never close. My clients were so anxious they called me crying. 

When I told him that he can not contact my clients again he mouthed off. 

If something happens and if my clients lose out on the house and if something happens to them I will be suing XXXX and XXXX. He has not only been negligent but now abusive. It is not enough that hes incompetent and irresponsible he is threatening my elderly and sick clients. He should lose his license and I will provide the documents and testimony of my clients.
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 XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX 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 card

My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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. XXXX AND XXXX XXXX XXXX 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 1002 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 or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my knowledge or consent. Under 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

General Credit Services has been collecting on behalf of XXXX XXXX for the last 2 years on a medical debt that was miscoded in the system. They have yet to correct the issue and continue to hound/persistently collect for a debt not owed. When speaking with the insurance company, the routine tests that were performed were considered covered without a deductible, yet XXXX 's billing and General Credit Services care little about that and continue to collect this information. I received a notice on my credit report that General Credit Services had placed this as a collections account on XX/XX/2020, after multiple harassing letters and a phone call that suggested that they would sue me if they did not receive payment. Not only has General Credit Services and XXXX violated the FDCPA, but they have also violated the FCRA while knowing this amount was in dispute.
Product: Money transfer, virtual currency, or money service

I am a victim of a XXXX scam. I wanted to purchase a wedding dress from a used wedding dress website for my upcoming wedding. A seller was selling a XXXX XXXX wedding gown named XXXX for {$4500.00} on the website XXXX XXXX ( XXXX ). There was no portal to communicate through the website so I was emailed by the seller. I was requested to pay {$2000.00} via XXXX to a XXXX XXXX. I made the XXXX transfer of {$2000.00} on XX/XX/2022 from my U.S. Bank account. I never received the wedding dress and the seller is unable to be contacted. I have disputed the transfer with U.S. Bank and my dispute was rejected. I never got my money back. All I wanted was to get a wedding dress to get married in and someone took advantage of that.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX, I discovered discrepancies in the following account : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : DATE OPEN, BALANCE OWER, DATE OPENED Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : I will leave proof of the total payment I made into this account in the attached documents, copies of your dispute letters.
Product: Debt collection

I'm a victim of identity theft. 
Someone opened multiple accounts and loans at SoFi Lending Corp AKA SoFi XXXX XXXX 
I have sent certified letter to SoFi Fraud department and a follow-up certified letter to fraud department and SoFi contiues to furnish this fraudlent account or accounts and fraudulent loan or loans information to Credit rating agencies. I also sent SoFi their fraud packet back with notarized statement on the identity theft report that SoFi supplied. I have called SoFi main phone number numerous times prior to and after sending the certified letters, and I have left multiple voicemail messages on the fraud number provided to me by SoFi and I keep getting the run around.
Product: Debt collection

The company is calling about XXXX or XXXX times a day. Once on my wife 's cell phone and the other on the landline. But they do n't leave any messages or nothing for me to call them back but I did google there numbers. But they are Monarch Recovery. They use a robo type call to get to talk to somebody but then they hang up. I did n't get anything in the mail or nothing about why they are calling. It is usually morning noon and night they call. They use different numbers to use to call me and my wife. It has been going for at least a month or XXXX so I do n't know. Whenever I pick up the phone the phone hung up on the other line.
Product: Debt collection

XXXX XXXX XXXX its been 6 year Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come Que Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers The, untess the information is outdated under section bUs or can not be verified Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. 
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date
Product: Debt collection

I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. 
Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX   XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I  filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. 
Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. 
Please Help Me!
Product: Money transfer, virtual currency, or money service

Zelle is ripping off me and I dont think it is fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I submitted numerous of letters to XXXX, Equifax, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
Product: Debt collection

This is has been disputed ans incorrect as accurate. This is illegal and taking them to ths to ciurt they charged me for lines never owned by me. They sent no sim cards at the start but charged me for them anyway. Called them everyday XXXX XXXX day n they fixed then didn't apparently n the XXXX  n that repeared n eventually never fixing it n put it n this position. They know this and still report it nope. I want it fixed nlw.
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

TT I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This is how PNC closed my account Nonsufficient Funds ( NSF ) Fees for Instantaneously Declined Transactions https : //www.consumerfinance.gov/rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prohibit NSF fees on transactions that are declined instantaneously or near-instantaneouslythat is, those declined with no significant perceptible delay after the consumer initiates the transaction. This prohibition would cover transactions involving the use of debit cards, ATMs, or certain person-to-person apps. The proposed rule would declare that charging such fees would constitute an abusive practice under the Consumer Financial Protection Act.

They need to stop : Unfair Returned Deposited Item Fee Assessment Practices addressed potential unfairness concerns with returned deposited item fees, then put the consumer account on hold, hold up the funds, then close the account. The account that you never authorized anyone to close. the account that you are the registered authorized owner of. The account that you gave them your social card and collateral signature and they gave you nothing in return, then abruptly close the account with no notice, causing you to scramble around with great harm and injury to yourself and your financial situation. not only is this unlawful but its criminal. 

Then my account was closed ....
Product: Debt collection

{$550.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I have requested this company to send copies of Agreement with your client that authorizes you to collect on this alleged debt.

Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not reached back out to me within 30 days. Therefore these debts are indeed invalid and inaccurate. please remove and delete this immediately. A copy of my FTC will be attahed.
Product: Credit reporting or other personal consumer reports

Report was included and I am not able to get credit.
Product: Credit reporting or other personal consumer reports

There are various problems with my credit file as listed in the attached letter. Please make sure the credit bureaus give me the information I am requesting for instance proof of the account status and proof of late 's etc
Product: Debt collection

On XX/XX/2022 I received a letter from CMRE Financial Services for an alleged medical debt. This debt was supposed to have been paid to the medical provider by XXXX XXXX, but was never paid. The medical provider sent it to collections and included {$2.00} in interest to the original debt.
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( Experian, XXXX, and XXXX ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Again I have no knowledge of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect
Product: Credit card or prepaid card

I purchased a wall oven from Lowes in XXXX of 2022, {$4100.00} it was a store pickup for XXXX, NH, I received an email that the item had been picked up however I didn't pick it up so I called the store in XXXX, NH multiple times with no resolution so i filed a dispute with Lowes credit XXXX Synchrony Bank ) The bank told me to deal with Lowes and Lowes told me to deal with the bank. Lowes states that the item was picked up and they keep sending me a mobile ticket with no signature and the wrong name " XXXX XXXX '', since I am unable to resolve this with either Lowes or Synchrony I am asking for help to get someone's attention, I have been trying to get resolution since XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 : {$11000.00}