23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was a vacation with my family. I Visited this vacation club. They told me they have a system a website where you could send families and friends when they travel they will get 50 %, and I will get 50 % I greed is an awesome deal. They indicate that after the purchase is completed, right after I can go to the site make reservations to any hotel, I can buildup points eventually, I buildup enough points to cover my next hotel reservation fee. XXXX I tried to make a reservation, I could not make the reservation, so I had to call customer service ; they end up making the vacation for me. I didn't trust the company anymore, so I drop a cancelation letter on XX/XX/XXXX to cancel the membership. On the phone with customer service through XX/XX/XXXX, when still XX/XX/XXXX cancels the membership, they never cancel it. After several phones called with a back-and-forth with management, they called me to give me a new deal since I already gave them a {$900.00} deposit. I ended up making a deal. They gave me a new contract but the original company, Monterey financial bank, is still after me to get the original balance from my getaway vacation. I send them an email confirmation letter to get a vacation that I paid this account in full, but they are still trying to get their version of balance for me. I would like to have them remove this balance from my credit report and close this account. Monterey Collection XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX
Product: Mortgage

Quicken loans provides pre-approval letters without doing due diligence. This results in delaying closings which have financial impacts to buyers and sellers. When I bought my house in XXXX XXXX, MI they kept delaying my closing because they would not get their act together. 
Now that am selling the house, quicken loans provided a closing date of XX/XX/XXXX, and today one day before the closing they once again send out a statement saying they need to delay the closing one week. How can the government allow such abuse of the average citixpzen by the big company.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$330.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
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 claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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

In the past 12 months my FICO credit score has dropped 62 points from XXXX to XXXX and I can not get answers from FICO and Transunion for why there continues to be a steady decline in my score even though my credit had been steady with no major purchases or defaults during this time. I did payoff my auto loan in XX/XX/2021 and my score dropped by a few points then, but to continually see a steady decline in my score lets me know there is a problem in reporting, but I can't get answers. In the past 30 days my score has dropped 36 points from XXXX to XXXX. Why?! 

My multiple attempts to reach FICO after extremely long wait times end in repeated disconnects, mainly with the persons on the other end pretending they can't hear me. With Transunion, I'm told my credit score can not be provided over the phone and I can only file a dispute against a specific credit reporting company but not directly against Transunion so there's nothing they can do. Thus my reason for filing this complaint.

I have worked extremely hard to achieve an 800+ credit score only to have it drop 62 points to XXXX without any explanation from those who are responsible for reporting my scores to others. Please help! 

I request to file a formal dispute against XXXX and Transunion for their credit unfair practices in not disclosing information about my declining credit scores and how they are being calculated. 

Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted request to Transunion for an updated credit report XX/XX/2021. Transunion submitted a credit report to me at my request. However when I contested all the inquiry especially the bankruptcy they refused to assist me and demanded that I re-supply documentation for identification in order to even investigate the inquiry. The bankruptcy should had not been reported, I had not given my consent
Product: Credit card or prepaid card

On the night of XX/XX/2022 I noticed that there were XXXX transactions that were not made by me and I immediately contacted the number that is found on the back of my prepaid debt card. When getting connected to a representative I inform them of the XXXX transaction that occurred and I was then told that they are going to open a dispute claim for me on the XXXX transaction and that I will hear from them when the investigation is over. Today being XX/XX/2022 I recieved a email that the investigation is complete and that they have came to the conclusion that there was no error found and that I will not be credited the money that was used in the XXXX transaction that I reported were not me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies associated with my account. These inaccuracies are negatively impacting my creditworthiness. I understand that your process includes investigating such discrepancies to ensure accuracy. Below are the details I am requesting you to verify : Experian : XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX : XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX : XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report I appreciate your prompt attention to this matter and look forward to your investigation and resolution of these issues.
Product: Credit card or prepaid card

I attempted to make a payment on my XXXX XXXX Gap Visa Card account on XX/XX/XXXX. This payment was returned NSF, despite having funds in my debited account. I was notified today, XX/XX/XXXX, two weeks later, that my account has been closed. 

I have been a Gap Visa customer since XX/XX/XXXX, making it one of my longest-held credit accounts. Such quick closure without notification from the bank will severely harm my credit by reducing the length of my credit history. They made no good faith attempt to work with me as a consumer and behaved in gleeful disregard for my credit health as a longtime customer of theirs. 

Additionally, the representatives I spoke with on the phone were rude and condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. See attachments immediately.
Product: Mortgage

On XX/XX/XXXX a principal and interest payment was paid in the amount of {$970.00} for my XX/XX/XXXX principal and interest payment. I understand that my principal interest taxes and insurance ( PITI ) payment is a total of {$1200.00}. My escrow balance due for the month of XXXX was paid on XX/XX/XXXX completing my XXXX escrow payment. When my loan was originated I promised to pay a certain amount for principal and interest each month to avoid any foreclosures and added interest that may accrue, and I have committed to that agreement since origination. A mortgage company is unable to pursue foreclosure on unpaid escrow so why are they able to report to the credit bureaus negatively when the escrow balance was not paid? 

Per my credit reporting Freedom Mortgage reported me as a 30 day delinquent because my payment ( PITI ) was not paid for the month of XXXX ; however, on my report it showed that I was in the arrears of over {$2200.00} which is not correct as they stated in their response dated XX/XX/XXXX ( which I just received on XXXX ) that my payment of {$1200.00} is the full payment for the month of XXXX. When i initially wrote to Freedom Mortgage I advised that my principal and interest payment was paid prior to the reporting date to the bureaus as well as my escrow payment was also paid for the month of XXXX prior to them reporting to the bureaus and asked that the revise their reporting and report the month for XX/XX/XXXXas current because the principal and interest payment was paid on time. Unfortunately, they declined my request, and provided me a response. 

Please help me with the following : 1- Update my credit report for the month of XXXX to current as the principal and interest payment was paid in the month that it was due. 
2- Explain to me how the credit bureau is showing a delinquent amount owed for over {$2200.00} when my payment is almost half of that. 
3- Explain to me how the mortgage company can not foreclose on unpaid escrow but they are able to report negative on a credit report if the principal and interest payment was paid but not the escrow portion of their payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new XXXX credit card for XXXX XXXX in the mail. A disclosure page included information about my credit  score from Transunion, and, under " How can you obtain a copy of your credit report? ", it said that federal law says I have a right to a copy of my credit report without charge for 60 days after I received this notice, and that I could obtain my free report by calling or mailing Transunion, or by going to www.transunion.com ( only that simple main address with nothing else ). 

I went to that website and spent at least 20 minutes looking for the way to get a free report, and I can't find it. I'm totally web-savvy, and I still can't find it. I even nearly got tricked into starting an account for a monthly service that costs $ XXXX/month because I clicked on some very simple " see your score '' links on that page and was still only ever taken to a for-pay service signup ( where they ask for your credit card number at the end of Step 2, and it's not that clear that they're signing you up for anything unless you look at a sidebar on the right - some people might think they're being asked that as part of identity verification or something like that. ). 

It seems like Transunion isn't being up front at all about how to get the free score from that address. The only other explanation would seem to be that XXXX didn't include the correct full web address, but either way, something is not working correctly! I hope you can fix it immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I received a letter of collection from Smith Cohen & Rosenberg, LLL ( Smith , Cohen & XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, XXXX or XXXX ) on XX/XX/XXXX dated XX/XX/XXXX. Account number XXXX, the debt was for {$2300.00} for car ( VIN XXXX ) that was towed in XX/XX/XXXX by  XXXX XXXX XXXX. I contact XXXX XXXX XXXX and XXXX stated the debt owed was {$1800.00} not {$2300.00}. 
My complaint this is not my debt. I sold the car on XX/XX/XXXX to  XXXX XXXX and I am not responsible for this debt. I spoke with both XXXX XXXX and XXXX XXXX at Smith, Cohen and Rosenberg, LLC both refused to remove my name from the debt. I sent copies of the Notarized title, showing the date of sale/transfer of title ( XX/XX/XXXX ).  Mr XXXX XXXX sent, Smith, Cohen and Rosenberg, LLC, a fax stating he was responsible for the debt with a copy of the notarized title and asked for the debt to be transferred into his name on XX/XX/XXXX.  Both Ms XXXX and Ms XXXX have told both Mr XXXX and I that the debt will not be transferred until paid in full and if not paid I, XXXX XXXX XXXX XXXX, will be sued and it will be put on my Credit report. I am being blackmail for a debt that is not mine. 
I have sent Smith, Cohen and Rosenberg, LLC two certified letters. The first requesting validation of debt sent certified mail XX/XX/XXXX received by Smith, Cohen and Rosenber, LLC onXX/XX/XXXX. A second certified letter disputing the debt on XX/XX/XXXX. The second letter contain a copy of the notarized title and a letter. The second letter was received by Thank you for assistance in removing my name from this debt
Product: Credit reporting or other personal consumer reports

I HAVE NEVER MADE ANY LATE PAYMENTS ON THESE ACCOUNTS LISTED. I NEED THESE ACCOUNTS UPDATED AND CORRECTED TO ALL PAYMENTS MADE ON TIME ON ALL ACCOUNTS LISTED BELOW. THIS INFORMATION IS INACCURATE AND NEEDS TO BE UPDATED TO ALL PAYMENTS MADE ON TIME THIS ACCOUNT IS REPORTING INCORRECTLY. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 

I DID NOT MAKE A LATE PAYMENT IN XXXX CAN YOU UPDATE ALL MY PAYMENTS TO CURRENT WITH THE CRA.
Product: Mortgage

Loan Care PMI Removal. 

Based upon my BPO my new value is XXXX I owe XXXX my LTV is 77 % and they are supposed to remove it at 80 %. They are saying they wont remove it till my LTV is 75 %.
Product: Credit card

American Express has reported to credit reporting agencies ( including XXXX XXXX XXXX ) that the XXXX business credit accounts with them were " charged off '' while XXXX cards were paid as agreed and American Express refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.
Product: Debt collection

Indebted is violating my Federally Protected Rights using Harassing and Oppressing practice to coerce me into paying the alleged debt..