23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$77000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Payment was submitted to Navient and I received confirmation number. Payment was never taken out of the bank account. Navient have said the payment could not be processed, and it was rejected. No reason was given for why the payment was rejected ( insufficient funds, wrong account number, expired card, etc ). No communication was given about the payment not being able to go through. I was not informed until the next time payment was called in.
Product: Debt collection

On XX/XX/XXXX National Credit system , Inc was contacted about a letter received in the mail about a debt for the amount of XXXX. XXXX was the person responsible for the account. When, i was transferred i was connected to her. As, the representative she was the one handling my case. We talked on the phone about the the debt owed to the XXXX XXXX then I informed her after looking at the charge statement that there were discrepancy and inaccurate information reported from the XXXX  XXXX XXXX. When, this was mention to XXXX XXXX she kept referring me to the lease agreement and kept telling me that I still have to pay the debt even if what they are reporting is false. Also, when asked for a more details charge statement XXXX was unable to provide the documents claims. 
However, a proper noticed was given to the XXXX XXXX in which they Summit falsified information to the collection. In they are telling me to pay and that their client have a right to whatever charge and i have to pay. I explained to her that a written notice was given and the correct move out date which was XX/XX/XXXX. 

After, that I kept asking for a better explanation to properly understand the charges XXXX proceeded to tell me " she was not going to keep going back and forth with me because has already explained to me ''. Which, was when I told her " I'm not going back and forth with you because I'm trying to understand these charges which are not making any sense to me '' then she said " yes you are, '' then I said " I'm trying to understand these charges, ''. 

However, the conversation carried on in which XXXX started to become very unprofessional, rude, emotional and condocending. Then, proceeded to abruptly disconnect the call. 
She also brought up that " they were her clients '' and I replied back " Yes, they are your clients so your going to do everything you can to get me to pay even if its false, so you are bias in this matter because your not her for me but for your client. She She told me I was taking this personal and making this personal. In, which I had to say " no I'm not, '' again. I, then told her that I'm trying to understand charges. I'm being told to to include late fee in the amount but it is included in the statement charge. 
On top of that when asked for a detailed statement she said she has to contact her client for them to properly confirm but if that was the case the settlement would be no more and it could more to pay for me. Also, to send in documents and a letter about the charges. She then proceeded to escalate the the dispute when I did not give consent or direct permission.
Product: Mortgage

Loancare ( a XXXX company ), assigned 2 different account/loan numbers for one loan and falsely reported late mortgage payments to the credit reporting bureaus for the account not used for billing and payment. We 've never missed a payment and they agree. To date about 6 months after we discovered the 2 different account numbers for the same loan and after we noticed the false reporting of 120 days late payment, Loancare has failed to correct its mistakes. We called Loancare on XXXX XXXX ( agent XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX and XXXX ) and each time they said they would open a case with the credit department ( not available by phone ) and did not follow-up. Loancare has ruined our credit and there is no way to communicate with the correct department about resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigation upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law.

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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 befor
e 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 8
Product: Credit card or prepaid card

There have been two fraudulant accounts opened in my name, that I have not opened or known about until yesterday XX/XX/2019. Charges were made to both accounts and sent to an old vacant address that I do not live at anymore. I have attached all the paperwork, detailed descriptions of the issues that I sent both companies already. I have also filed a complaint with a FTC Report package ( also attached ).  These accounts were opened without a SS #. All they needed was my name, an address, and a phone number. How does someone pull a credit report and open an account without SS # verification? That is very scary!!!
Product: Credit card

In accordance with the Fair Credit act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose.
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 XXXXXXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 that underscores significant shortcomings with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.

The CFPBs findings reveal that Zelle has not only neglected to protect its users but has also allowed repeat offenders to exploit the platform, leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the platforms commitment to consumer safety.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation, E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Client died XX/XX/2015. Credit Card from Elan Financial Services is informed of his death by widow. Elan continues to send bills and adds additional charges. Widow pays bill and Elan Financial continues to add new charges. Again contacted by widow and Elan Representative confirms the cardholder is deceased in their system. Assures her all will be handled. It was not. I contacted Elan Financial XX/XX/XXXX, was assured of the same and it again has not been resolved.
Product: Credit reporting or other personal consumer reports

The personal details on my credit report are incorrect. I've attached my documents for you to update the information
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. 

Dept of ED/XXXX : Account # XXXX Dept of EDXXXX : Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX  : Account # XXXXXXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


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 an 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud issue 7 or 8 years ago and put a freeze on all three credit bureaus. I now need to purchase auto insurance and my insurance company needs to look at my credit bureaus. 

So I need to temporarily removed my credit freezes. I was able to do this at XXXX and XXXX easily and was able to speak to a customer service representative at both bureaus even on Sunday XX/XX/2018 to resolve the few issues I had. 

The problem is I can not get the freeze removed from Experian. The website doesn't work and provides no options to speak to a live person. I have tried 5 different phone numbers listed below. Most bring me to the same machine that can not do this for me and like the website provide no alternative to speak to a live person. 
XXXX XXXX XXXX XXXX XXXX So my credit file remains locked and I am unable to get the car insurance I need as a result. This is without question the most frustrating issue I have dealt with in many years. This company has my credit file hostage and there doesn't appear to be anything I can do about it. 

I would very much appreciate any help you can provide me. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

25.7K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


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

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, JPMCB - CARD SERVICE, on XX/XX/XXXX, XXXX, XXXXXXXX/XXXX  and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

Over the course of several months, I have sent over twice the money to pay my monthly mortgage. Freedom Mortgage has continued to apply the additional monies to the next month 's payment. Depriving me of my right to pay off my mortgage quicker and according to the instructions I have provided to customer service through emails and phone conversations. I have sent several emails requesting the extra monies be applied directly to the principal. Each time after payment, I must call or email them to have the adjustment made to my account. It seems I am being penalized for extra payments.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter thru USPS to BullCity Financial requesting validation of an alleged debt in the amount of { {$300.00} } that they are reporting on my credit profile. The certified letter was received on XX/XX/XXXX, at XXXX XXXX USPS tracking number XXXX and as of today XX/XX/XXXX I have not received the requested information and the derogatory item still remains on my credit reports. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my creditworthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, I have the right to dispute their claim and request validation of the alleged debt. I also understand that under the law they had 30 days from receipt of the letter to verify this item and that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that I sent to BullCity Financial Solutions requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
Product: Mortgage

In XX/XX/2022, I missed my 1st mortgage payment. I contacted my servicer before I missed my payment, they refused to help me. 
In XX/XX/2022, I was able to make my payment, but they wanted 2 months + fees. I told them I couldnt make that since I was recovering from a hardship. 
They pretended to consider me for loss mitigation, its been 8 month and I still havent received any response towards their decision. 
I know they delayed me on purpose because I applied for HAF. When I was denied due to amount of my total home loan, they switched my caseworker and the pretending started over. 
My monthly payment is {$7100.00}. I have given them the same paperwork each month and expressed my health issues due to the distress they have caused me. 
I now owe over {$60000.00} because they kept ignoring and delaying me. 
I feel like Im being mistreated because Im a minority women.
Product: Credit reporting or other personal consumer reports

Experian put a fraud alert on my credit report XXXX  without my knowledge that's just showing up. No wonder I'm having such a hard time.