23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Faxed Modification packet to lender XX/XX/XXXX left VM to  check up on packet with XXXX XXXX. Auto teller dropped me into this VM. no call back XX/XX/XXXX, eft VM with XXXX XXXX. no call back. 
XX/XX/XXXX Mailed QWR, left VM with XXXX XXXX, called back without putting account info in, got XXXX. informed me the docs submitted were in review, with another request for further documentation. Passed on list to client. 
XX/XX/XXXX rec 'd documents from client, faxed them to lender.
XX/XX/XXXX again called in without account info input, got XXXX, who transferred me to XXXX XXXX who told us that the file is in review for decision and that the foreclosure was on hold and sale date postponed. 
XX/XX/XXXX called in with out acct info input, got XXXX XXXX, who informed me that on XX/XX/XXXX the file was removed from review, and foreclosure was reactivated. Told that another representative who could address this change would call me back in 2 hours. no call. I called back and was told that this would not change and notice was mailed out on the XXXX. Client has still not received that notice. 


I am including the recording of the XX/XX/XXXX discussion. We feel that a simple phone call could have prevented this issue from occurring. we feel they were grossly negligent in their communication practice in such a time sensitive issue. We also feel they should honor what was told to us on XX/XX/XXXX and review our modification packet.
Product: Checking or savings account

Routinely holding certified and/or cashiers checks for regular monthly activities, causing havoc to business operations with monthly expenditures been held by WellsFargo for XXXX weeks at a time. No valid reasons provided and dispute resolution process is even slower
Product: Debt collection

I am writing to formally notify you that I believe I am a victim of identity theft regarding the collection account listed under my name, which is related to an apartment rental I have never personally rented. I have no knowledge of the lease or any associated charges, and I did not authorize or participate in any agreement with the landlord or property management. 
After reviewing my records and the details of the account in question, I can confirm that I did not sign any lease for this apartment and am in no way connected to this debt. I am requesting that this matter be thoroughly investigated and that any and all information related to this fraudulent activity be removed from my record immediately. 
I would greatly appreciate it if you could update your records to reflect that I am not responsible for this debt, and I kindly request confirmation that the fraudulent account has been remove from my record immediately
Product: Debt collection

I'd like to report another infraction by the slimeballs at Mullooly Jeffrey Rooney & Flynn XXXX ( MJRF ). 

They sent the attached to me and told me that they are rejecting service from me as " improper '' I do not understand the use of the word. I did try to look it up. The definition I find of improper in XXXX is unhelpful as I'd argue MJRF does not have good manners, my mail was suited to the circumstances, and I do have the right to depose folks as part of fact finding in my law suit. 

: not proper : such as a : not in accord with propriety, modesty, good manners, or good taste improper language b : not suited to the circumstances, design, or end improper medicine c : not regularly or normally formed or not properly so called d : not in accord with fact, truth, or right procedure : incorrect improper inference
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Experian closed my complaint ( XXXX ) stating that the information I provided for my dispute was inaccurate and did not appear on my credit report. Experian has not only allowed companies to fraudulently open account without my knowledge and consent, and to make matters worse Experian did not and does not have my permission to make or furnish my credit report, but now Experian is falsifying information. The information I am disputing was on my credit report as of XX/XX/2021 and I will attach a picture to prove this. 

Since Experian has allowed this information to be viewable on my credit report, I am held back from seeking credit elsewhere as my scores will steadily decline. Most important, the credit line I was seeking to obtain was denied because it appears as if I have too much debt in personal loans. This account has limited my purchasing power.
Product: Bank account or service

I am being charged for an overdraft fee when the online banking and mobile app state otherwise regarding funds available. The process of them debiting and crediting my account is off from what they were explaining to me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with XXXX since [ year ]. During that time, XXXX has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

XXXX has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, XXXX has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that XXXX remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. XXXX has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX Bank to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my TDA account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or 15 ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX Bank. This information was provided on your XXXX filed with the U.S. Securities and Exchange Commission XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is Equifax. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent Equifax copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress Equifax caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute asking the following accounts to be verified and to provide the method used for validation. it's been a couple months and I haven't gotten a response back yet, which is a violation of my rights. 

XXXX XXXX : XXXX This account has multiple inaccuracies as well. also the last updated status for this account is XX/XX/2021. Please delete permanently or I will sue! violation! 


XXXX : XXXX This account is not mine and has not been verified as mine or shown how it has been verified by providing original documents. 

XXXX XXXX XXXX XXXX : XXXX This account has multiple inaccuracies after months of disputing multiple times. please delete.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow victims of identity theft to remove fraudulent items. I have been a victim of a data breach, resulting in unauthorized use of my personal information. I request that the following accounts and inquiries be blocked from my credit report to prevent further misuse of my identity. 
The accounts I request to be blocked and deleted are 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 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a request for a name change through the PayPal app to have my account switched from my maiden name to my married name. I had been having issues linking my bank account back to my PayPal account and this was a suggestion that was given to me to try to see if that would fix the issue with the bank account. I submitted the request along with a photo of my US passport. That same day I received an email from PayPal confirming that the name change request had been completed. On XX/XX/XXXX I logged into my account and found that my account had been permanently limited and when I checked my alerts I was given a message that said an explanation for the limitation had been emailed to me. There was no such email in my inbox or my junk mail. I called PayPal customer service number and the customer service representative could not provide a reason, but she did state that the photo that was sent in of my US passport was rejected and there was a note saying that it was blurry. The representative had me submit additional documentation which was a new photo of my passport to the back office for review and stated that I would hear something back XX/XX/XXXX. I Contacted customer service again on the XXXX after I received no response. This time the customer service representative resubmitted additional documentation to the back office for review and this included again my passport photo and a copy of my marriage certificate with proof of my name change. She said that I should hear something back in XXXX to XXXX hours. I also sent an email to PayPal support. On XX/XX/XXXX I was informed that the appeal for review of my documents and the account limitation was denied, and I was still given no explanation for the limitation. I can not remove my personal info from the account and I can not close the account because I have a PayPal credit card which is an active account but I can no longer use it because my general PayPal account is completely and permanently limited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

I am writing to formally lodge a complaint against Ally Financial for providing inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 
I recently reviewed my credit report and found that XXXX XXXX has reported erroneous information regarding my account. The details are as follows : Creditor : Ally Financial Account Number : XXXX Inaccuracy : Number of months terms, dates of last activity, conflicting comments, number of months review, term source type XXXX have made several attempts to resolve this matter directly with Ally Financial, but my efforts have been unsuccessful. Despite providing them with evidence proving the inaccuracy, the incorrect information remains on my credit report. This inaccurate reporting has negatively impacted my credit score and has caused me significant distress. 
Under the Fair Credit Reporting Act, XXXX XXXX is obligated to report accurate information. By providing false information, they are in violation of federal law, which mandates that all information furnished to credit reporting agencies be accurate and complete. 
I request that the CFPB intervene in this matter and ensure that XXXX XXXX immediately corrects the inaccurate information and updates all three major credit reporting agenciesEquifax, XXXX, and XXXX. I also request that XXXX XXXX provide me with written confirmation once the corrections have been made. 
Thank you for your attention to this matter. I trust that the CFPB will take prompt action to resolve this issue and protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a collection account reported on my credit reports by Midland Credit Management, a debt buyer. The original debt was from XXXXXXXX XXXX  XXXX XXXX XXXX. THE DATE OF DELINQUENCY IS INCORRECT. My credit report shows that XX/XX/XXXX is when the debt first became delinquent. The true/real date is at or about XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's 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. I would use zelle to transfer money between two accounts. Sometimes a coupleXX/XX/XXXX at a time
Product: Debt collection

RESURGENT CAPITAL SERVICES has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. RESURGENT CAPITAL SERVICES illegally obtained personal and private information. I did not grant RESURGENT CAPITAL SERVICES permissible purpose to obtain the information. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist of any further use of my personal information. 

Provide all information obtained illegally pertaining my personal and sensitive information. 

Provide acknowledgment of this official notification that I am opting out of any contract opportunity with you. Do not make any further attempts to contact me nor coerce me to do any business with you or the entity you are employed with. 

Ignoring this notice will be evidence that the infringements were willing, deceptive, and in violation of consumer privacy. 


TRACKING # XXXX
Product: Credit card

I disputed an account that I had with XXXX XXXX and XXXX XXXX updated the records as follows : XXXX Report - This item has been updated to report as paid in full. 
XXXX Report - Transferred, closed/Never Late XXXX - does not show up at all on this report However, before I disputed the incorrect reporting from XXXX XXXX, they must have sold my account Portfolio Recovery. When I disputed the validity of the debt with Portfolio Recovery, they ignored the fact that the debt with the original creditor was disputed and the correct information was updated on my bureaus and sent me paperwork to " prove '' the debt, that actually contradicts was they were reporting on my bureaus. Portfolio Recovery sent me what they claim is the last bill from XXXX XXXX that I received and it was from XXXX XXXX, however they are reporting that this debt was placed for collection on XXXX XXXX. They are even reporting the debt on my XXXX report, when XXXX XXXX never had a record, either positive or negative, at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to Equifax, XXXX and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts and signatures with this company.
Product: Credit reporting or other personal consumer reports

On my Experian credit report paid off. On my XXXX credit report charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the CFPB professionals : I pay my credit cards off monthly, almost without exception. However in XXXX of 2021 my XXXX  XXXX card branded under XXXX had a balance of about {$3.00}. I missed this statement online and was recorded by XXXX  XXXX as being 90 days delinquent. 
This is not a card that i use very often, and I had overlooked this overdue charge of under {$4.00}. 
The XXXX XXXX bank forwarded a note to the credit agencies regarding the above issue as being trivial, and noted my account is now current. 
This single late payment for the amount of about {$3.00} caused Transunion to drop my XXXX XXXX by nearly XXXX points, from over XXXX to less than XXXX. 

Similar drops were also noted in the experian other reporting agencies. 
This significant drop in my score of over 5 % will impact many of my financial obligations from insurance to possible mortgage interest rates. 

it is not reasonable for the credit reporting agencies to penalize me so severely for a sinlge {$3.00} late payment, my only " blemish '' in the last 5 years. The only significant item on my reports occurred more than 5 years ago, and relates to medical charges above the approved insurance rates agreed to. I have disputed this charge as well, but it does not appear to be part of the XX/XX/XXXX severe drop in my credit score. 

All credit card balances are paid off monthly, the mortgage payment has never been late, and I have paid off all of the vehicles that i own in less than a year. the only debt I have is the balance on my mortgage of < $ XXXX, paid down from more than $ XXXX over the last 9 years. 
How can these agencies drop my credit rating so severely over a {$3.00} overlooked payment??/
Product: Credit reporting

These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO XXXX XXXX on : XXXX/XXXX/2014
Product: Credit reporting

There are several hard inquiries on my credit report, and I did not authorize them. Also, there is a paid lien that needs to come off, and the XXXX on my report was not me, and is past the statute of limitations, and should come off. I asked a credit fixer about it, and he said because the debt was bought by another company, they restarted the incorrect date. Please review my credit report and fix these problems. Thank you for your help, Sincerely, XXXX XXXX