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

This is my 13th 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 XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

BANK of AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my credit card account number XXXX. I want to express my sincere gratitude for the services I have received from BANK OF AMERICA and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX and XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

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

15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, Equifax, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information.

Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for account XXXX XXXX XXXX XXXX
Product: Money transfers

i bought an item from XXXX thru paypal, paid, waited about 1 month and then usps tracking showed item was avaliable for pick up, i went to usps and they dont me that the package was not there, i kept calling them and they said they cant find the package..
Product: Mortgage

Hi there, I 'm the seller on this purchase transaction. I 'd like to file a complaint on Primary Residential Mortgage, Inc. XXXX XXXX XXXX XXXX. XXXX XXXX This mortgage company issued FHA case # on my house, which the transaction did n't go thru, and Sales contract was cancelled. I have made cancellation requests via email and phone call, and in all occasions my requests have been ignored, and my right being denied. I emailed on XXXX XXXX, called on XXXX XXXX, and manager promised by XXXX XXXX, FHA CASE # will be cancelled, which it was not.And again today XXXX XXXX when I called to follow up, manager was really rude and I was told they will not cancel the FHA CASE #, and there is nothing I can do and rudely hang up on me. I am seeking your help in this matter, kindly please help me out.
Product: Credit reporting or other personal consumer reports

In

my recent credit report from Experian, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. I formally disputed this bankruptcy record with Experian, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, Experian failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.
Product: Debt collection

I found out my minor child have a credit with this company and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
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. They informed me that recovering lost funds was impossible and that tracking these transactions was 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. 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611
Product: Credit reporting, credit repair services, 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 USC1618 Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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: Student loan

NAVIENT INCORRECTLY APPLIED PAYMENTS ON MY PRIVATE LOAN ACCOUNTS. I HAVE A SEPARATE PAYMENT FOR AN INTEREST LOWERING PROGRAM WHERE I PAID ROUGHLY {$380.00} AS A MONTHLY AGREEMENT. THEN. I HAVE A XXXX  PRIVATR LOAN WHERE THE PAYMENT WAS ROUGHLY {$42.00} PER MONTH. ON XX/XX/2018 AND XX/XX/2018 NAVIENT INCORRECYLY APPLIED MY XXXX LOAN PAYMENTS TO MY OTHER PRIVATE LOAN ACCOUNT. WHEN I SPOKE TO A NAVIENT REP PREVIOUSLY HE SAID MY ACCOUNT COULD BE DRAFTED AS ONE DEBIT EACH MONTH BUT THE PAYMENTS WOULD BE APPLIED TO THE CORRECT ACCOUNTS. DUE TO THEIR ERROR, MY ACCOUNT IS SHOWING OVER 60 DAYS PAST DUE. IF THESE PAYMENTS ARE NOT APPLIED CORRECTLY SOON. I WILL FILE A LAWSUIT AGAINST NAVIENT FOR INCORRECTLY APPLYING MY PAYMENTS WHICH CAN RESULT IN LATE FEES AND NEGATIVE CREDIT REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma promised I would get approved for a loan. Which I applied and my score dropped because I wasnt qualified which they stated to me I was in the 100 % approval. I would not be going through this if theyve never offered it to me. This is not the first time this has happened to me while using Credit Karma, They should not give false information, especially to people like me who is trying to fix their credit.
Product: Vehicle loan or lease

I deposited a Wells Fargo check at XXXX XXXX XXXX XXXX into my checking account. It was a reimbursement for XXXX XXXX  because I paid off my car early. The check was returned to Wells Fargo. XXXX XXXX XXXX XXXX  confirmed that it was sent back. Wells Fargo claims the check was processed and not returned. I showed them proof with my XXXX XXXX XXXX bank statement. I put in a complaint with Wells. They stand by their claim that the check was processed. They stole money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

A representative by the name of XXXX XXXX, from Goldstein, Cruise and Smith LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX - Phone - XXXX called and left a threatening voicemail claiming that her company was going to file a complaint with the county court about a payday loan from XXXX XXXX loan services in Arizona that I took out in XXXX. I returned her call and informed her that this dent was included and discharged in my bankruptcy case I filed XXXX/XXXX/XXXX and was discharged XXXX/XXXX/XXXX. She then began to tell me that this did not matter and tried to collect on the debt anyway, threatening legal action. I told her I was going to file complaints and to not contact me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a hard inquiry on my credit report with Equifax on XX/XX/19. I had a credit inquiry from XXXX XXXX, and I had not authorized ( explicitly, or implicitly through application for credit/service ) a credit pull by XXXX. Equifax responded on XX/XX/19 that the XXXX inquiry was perfectly valid, and offered me absolutely no additional information about the nature of the inquiry or why they had determined it to be valid. Later on XX/XX/19, I submitted a new complaint with Equifax that they clarify their findings and I initiated a XXXX year fraud alert. On XX/XX/19 I received a bill at my home address for a XXXX mobile account which I had never authorized. Equifax has yet to reply to me from my XX/XX/19 response, despite a promised turnaround of two days. Moreover, given the inquiry was indeed fraudulent, it is unacceptable that Equifax 's review procedures found nothing concerning in the inquiry and failed to provide me with any information regarding why the inquiry had been allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applications for several loans and credit cards on my XXXX XXXX that I did not make and have two collections that are not mine
Product: Debt collection

hunter Warfield has been damaging my credit and ive asked them recently to send me verfication of this apartment being mine and they have yet to respond since XX/XX/2018 and this has been affecting my credit for five years and no understanding or removing of this negative mark on my credit.
Product: Credit reporting or other personal consumer reports

BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE XXXX.
Product: Credit card

The company seems to be resisting closing my credit card. I have a Bank of America World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed " to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed.
Product: Credit reporting or other personal consumer reports

This is my multiple 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Mortgage

Mortgage was just sold to XXXX financial 30 day ago monthly payment went up over XXXX, hence school tax is being calculated incorrect by Selene.I have emailed the correct amount from a letter from our school tax receipt. XXXX loan # XXXX my # XXXX XXXX XXXX they are charging over XXXX for school tax.
Product: Mortgage

I am writing this letter because for years I have been back and forward with my mortgage company over my payment history. The loan that I have with Carrington Mortgage, I have made complaint with the XXXX, and in the dispute going through them they stated that there was nothing more that they could do, but advise me to go further on it. There are a lot of complaints on the company similar to my situation. I modified the loan and every since I have had problems even with it, it seems like around the first of every year it they say I owe them a lot of money. I have constantly been going through receiving intention of foreclosure letters and once the company sent me a check back. Now, I have noticed some miscellaneous charges on my account. I have always sent money whether I was working or not. The company also have placed on my credit report that I have filed bankruptcy with them. The information is false I never filed bankruptcy on Carrington Mortgage. I have even had representatives to tell me that I am on a adjustable mortgage, which is not true. I need someone to please help with this. The mortgage company for some reason when I send money they will place it in a suspense account and not apply everything to the loan and when they state that loan late there is still amount in the suspense account. I have used all resources in paying my mortgage, even though the company states if not working I can contact to set up something to help for the hard times, but that does not seem to help, because I tried once when I was unemployed to receive help. This was done before I finally was approved to modify the loan, which I was put through if my ex- husband did not sign they could not do it, but in their rules it stated that if divorced and other things was an exception to that which I was divorced and I and ex was not on speaking terms. I received in my mail today a letter stating that your home is at risk of foreclosure. A non-judicial foreclosure may be initiated 10 days from the date of this letter. The mortgage company right now is stating that I owe {$3300.00}, which they never can explain to me how. I am constantly sending in a payment on mortgage. I even question if a payment was misapplied somewhere else.
Product: Bank account or service

on XX/XX/XXXX i made acheck payable to, XXXX XXXX for avehicule loan XXXX is stating that they havent received the payment this was back on XX/XX/XXXX 1 month going back and fourth to, the branch the money was deducted from my acount even that the check was alter capital one corrected the amount but XXXX saying havent received the payment there for XXXX is charging me late fees for apayment that i sent and capital one is not responding for the funds deducted on my acount
Product: Credit reporting

According to the provisions of the Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], disputed items must be re-investigated or deleted from my credit report within 30 days. During the re-investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

Equifax, XXXX, and XXXX continue to violate this section Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ), a violation which in turn is adversely effecting my ability to operate effectively as a consumer.
Product: Prepaid card

On XXXX XXXX 2015 @ approx. XXXX pst, I went to the XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX for an ATM withdrawal. The ATM gave me an error message of " unable to process request '' and gave me XXXX options- try new transaction or give back card, knowing what my true balance was I knew this was a mistake so I opted to try new transaction and received the same message " unable to process request '', so I decided to press the " give back card '' option and go to the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX , NV ( Note : My Bluebird American Express Prepaid Credit Card is through XXXX ). I went to the ATM machine at the XXXX XXXX and it was out of service so I then asked a XXXX employee if the Bluebird card allows me to do cash withdrawals at the XXXX XXXX, the XXXX employee stated yes, so I swiped my bluebird card on the keypad at the register and the XXXX employee asked how much I would like, I stated " XXXX '', the XXXX associate received an error message of unable to process transaction error message, so she asked me to swipe my card again, so I swiped my card per the XXXX associate request and received the same error message " unable to process the request '' so I asked can we do a balance inquiry, she said yes and balance inquiry stated I had XXXX, prior to going to the ATM I had just checked my account and had a balance of XXXX, so I went back to work since I was on my lunch hour, logged into my account and it showed I had a ATM withdrawal of XXXX on XXXX XXXX 2015 Transaction ID # XXXX, I grew very concerned with this information since I cane to work at XXXX and work nights and sleep during the day and I am VERY detailed and diligent with my finances, I contacted American Express at their Customer Service # ( XXXX ) and spoke with " XXXX '' at approx. XXXX PST on Tuesday XXXX XXXX 2015 who confirmed that they had showed in their system that the ATM did NOT give me the funds and that " I '' the customer would need to to write a letter to an address that she was going to provide ( which is also can be found at bluebird.com ) and American Express would investigate further. I then requested to speak with a supervisor who left me on hold for an obnoxious period of time which at that point I disconnected the call because I was at work and decided to file a complaint.
Product: Debt collection

i HAD MEDICAID /access I was on PUBLIC ASSISTANCE AND HAD MEDICAID INSURANCE I C SYSTEM Last reported : XX/XX/XXXX {$460.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$460.00} Highest Balance {$460.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX