23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I never had a problem paying my mortgage payments and had received a loan modification from XXXX XXXX XXXX. However, when my loan was transferred to Specialized Loan Servicing, my mortgage was in limbo for six months and I could not make my payments. This caused my loan to become delinquent and SLS is unwilling to work with me to fix my mortgage issues. After XXXX gave me a modification a few years ago, I made my payment on time for three years. Then out of the blue, XXXX transferred my loan, but they could not tell me where it went. I finally received a mortgage statement from SLS six months after the transfer, but when I contacted them and tried to pay, they had added foreclosure and late fees and I could not make the entire payment. Since that time it has been a nightmare trying to get them to unwind the foreclosure and get my loan back to a current status. There is a sale date on my property and I may lose my home through foreclosure on XX/XX/2019. I should have never become delinquent on my mortgage in the first place, but I was advised to stop making payments on my mortgage when I was with XXXX so that they would work with me. I should have never followed their advice, since my mortgage balance had gone up significantly. After six months of working with their Loss Mitigation Department, they gave me a modification that I could afford and I was happily making my mortgage payments. However, when I tried to make a payment one day, I just got a recording stating that my loan was going to be transferred. When I spoke with their representatives, they had no idea where my loan went. I tried to get things sorted out with SLS and perhaps get another loan modification, but after a very long time of dealing with SLS, they said I already had my loan modified and there was nothing they would do. This is very unfair as I never have had a problem paying the mortgage for many, many years and now they are going to take my home away. Please help me with SLS and save my home.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XXXX  says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information Due to Data Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies present on my credit report, which I believe are the result of a data breach. As per the recent legal developments surrounding data breaches, including the ongoing lawsuits involving Experian and XXXX, it has come to my attention that my personal information may have been exposed, potentially affecting the accuracy and integrity of my credit file.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am requesting that you investigate the fraudulent or erroneous accounts and permanently remove them from my report. I am also invoking my right under Section 1681c-1, which provides for the removal of information resulting from identity theft or other breaches of security. Furthermore, as a consumer, I am entitled to a fair process, and I request that the information be corrected or removed in accordance with FCRA guidelines.

The data breach that exposed my personal information has had a profound impact on my financial life. I have been denied access to credit cards, auto loans, and have been subjected to higher interest rates as a result of this breach. These actions are not only unjust but are also a violation of my rights under the FCRA. Section 1681e ( b ) requires credit reporting agencies to maintain accurate and complete records. Clearly, the presence of these erroneous accounts violates that section of the law.

I am giving you five ( 5 ) days to take corrective action and remove the inaccurate information from my credit report. Failure to do so will leave me with no choice but to seek legal remedies for the damages I have suffered as a direct result of your failure to comply with the FCRA. Under FCRA Section 1681n and 1681o, I am entitled to seek statutory and actual damages, along with any legal fees, should I be forced to take legal action.

Please provide written confirmation of the removal of these accounts from my credit reports within five days. If you require additional documentation to proceed, please notify me immediately.

Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and Transunion and XXXX is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXXXXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXXXXXX XXXX  XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXXXXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 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 of {$200.00} was impossible and that tracking these transactions was unfeasible even though I have the recipients information. 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.
Product: Mortgage

I refinanced my mortgage on XX/XX/2021 through a new lender. Wells Fargo was supposed to refund my {$3800.00} escrow within 30 days and informed me of the refund via USPS mail. 

I'm still waiting for my escrow refund check on XX/XX/2021. 

Their system said that they cut the escrow check on XX/XX/2021. Again, I have not received it. When I called to speak to a person, they said they would cancel the prior escrow refund check and issue a new one, which would take 30 days. When I asked if they could XXXX  me a check ( given the amount ), they said no. 

I'm a long-standing WF customer, with over {$150000.00} in savings with Wells Fargo.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

XX/XX/year> I leased a new XXXX. The dealership offered a end of lease warranty in which I agreed to answer your question asked if that was on the documents I signed. I was told yes! Well I did some research and the warranty I needed/wanted was not on lease. I had to walk in and request it be canceled. While doing so I was spoke to rudely and was told it wouldn't lower my payments. After I kept saying I just want a refund I was finally given a paper to sign to cancel it. Well that was XX/XX/XXXX and I have no received a refund, no one will answer the phone so I can receive an update!
Product: Credit card

Home Depot intimidates its customers by threatening to lower their credit limit and/or close their credit card accounts if they do not purchase HD items on their HD credit card. Prior to my credit limit being lowered, HD had sent at least one mailing ( maybe two ) that said I needed to buy something using my HD credit card if I did n't want my credit lowered or my card cancelled. I did what the mailing ( s ) said, paid on time, never went anywhere near credit limit -- yet HD cut my credit limit in half. 

Home Depot unfairly lowered my credit limit from {$5000.00} to {$2500.00} ( via CBNA, XXXX. XXXX XXXX XXXX XXXX, SD XXXX ) and reported that action to the credit bureaus, which in turn lowered my credit score from XXXX on XXXX XXXX, 2016, to XXXX on XXXX XXXX, 2016. Having less available credit has continued to lower my credit score anytime I use my credit cards, because credit scores are based on credit used versus credit available.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please update this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the collection account reported by XXXX XXXX XXXX that appears on my XXXX credit report. I have checked with **Equifax** and **TransUnion**, and neither of these credit bureaus show this collection account on their records. They have also sent letters in the mail stating they have no record of this collection and asked to verify my identity because of it. This discrepancy raises serious concerns regarding the accuracy of the information being reported by XXXX, as required under the **Fair Credit Reporting Act ( FCRA ) **.

1. **Violation of FCRA - Reporting Inaccurate Information** Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information in consumers ' credit reports. XXXX 's reporting of a collection account that is not reported by Equifax or XXXX calls into question whether such procedures were followed. 

XXXX. **Violation of FDCPA - Failure to Validate Debt** Under **15 U.S.C. 1692g** of the Fair Debt Collection Practices Act ( FDCPA ), I have not received a proper debt validation notice or assignment contract from the collection agency, as required. This collection account has not been validated, and it is a violation for the collection agency to report this debt to any credit bureau without providing proper validation to me first. 

Request for Resolution : I respectfully request that XXXX take the following actions immediately : XXXX. **Remove the XXXX XXXX : Given that this account is not appearing on Equifax or XXXX and XXXX validation of the debt has been provided to me, I request that the collection account be removed from my XXXX credit report. Although, I am requesting additional verification from both Equifax and XXXX as well. 

XXXX. **Conduct a Thorough Investigation** : As required under **15 U.S.C. 1681i**, Experian must conduct an investigation into the accuracy of the information being reported. If this information is found to be inaccurate or unverifiable, it must be corrected or removed from my credit report immediately.

3. **Notify Me of the Results** : I request to be notified of the results of your investigation and provided with an updated credit report reflecting any changes. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

TRANSUNION CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX  PA XXXX Dear TRANSUNION CONSUMER DISPUTE CENTER, I am writing this letter to dispute a collection account that appears on my credit report. The account in question is XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX  XXXX # XXXX, it has been negatively impacting my XXXX XXXX. XXXX XXXX has an incorrect name and address. I am requesting that you remove this account from my credit report. 
I have reviewed my credit report and have noticed that this account was reported by XXXX XXXX and XXXX AUTO. I have no recollection of any such debt or ever receiving any communication regarding the debt. Additionally, I have not received any notice from the collection agency or original creditor regarding this debt. After reviewing IRS 1099 c event code 7, A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. 
Therefore, I am requesting that you remove this account from my credit report due to the lack of verification that this debt is valid. I have also requested validation of this debt from the collection agency, but have not received any response. 
I believe that it is unfair for this account to continue to appear on my credit report without proper verification of the debt. I am taking this matter very seriously and I am willing to work with you to ensure that my credit report is accurate. 
Thank you for your attention to this matter. Please let me know if you require any additional information from me to process this dispute.
Product: Credit reporting or other personal consumer reports

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
Product: Credit reporting or other personal consumer reports

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car and having little money for months with no job and no way to get to a job if i had one. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident.

i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( idx.xom ) i will also be uploading from there as well.