23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage due to losing by business, Carrington never reached out to me to offer any assistance. I was never assigned a point of contact and was never told I could submit documents to be reviewed for assistance until I researched it myself. I feel as though I was never provided a fair chance or options to save my home and now I feel pressured to try everything I can in the short amount of time I have before the sale date to get something done. If someone from Carrington had informed me of my options I would not be in the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I disputed the account listed on my credit report as XXXX XXXX. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought XXXX XXXX. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and Equifax credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
Product: Credit card or prepaid card

Through no fault of our own, Walmart sold their credit accounts to Capital One, it has shown up on our credit report as new accounts were opened, they were not.The accounts we already had, they were sold, The same happened with Gateway One whom we had our truck financed through, They sold the account to XXXX  XXXX  XXXX.It showed that we opened a new account, we did not, that account has been active for quite some time, it was just sold,. We are being punished in that these events have significantly reduced our credit score and now we can no longer purchase a home as we were planning.
Product: Credit reporting or other personal consumer reports

I wanted to explain to you CFPB is that my credit score on EXPERIAN has no credit score, but Experian is reporting two accounts.

One loan and Secured Credit Card.

I'm getting ready to have another loan being reported.
Product: Money transfer, virtual currency, or money service

Call from a number impersonating the Consulate General of XXXX XXXX in New York, a criminal gang posing as XXXX XXXX and members of US Department of Higher Education had access to my email and said I never took advantage of a scholarship by the American Government and wanted me to pay cancellation fees or face legal trouble back home and that I was on the American XXXX List, this XXXX XXXX then posed as an employee of the department of Higher Education with this number XXXX on XXXX and phone call. Spoof email : XXXX. After sending me a warning email and forms to fill for cancellation and bank account to transfer to the American Higher Education Department, a SWIFT Transfer ( number XXXX ) was sent for the amount of XXXX $ to the following bank account : Bank Details for Wire Transfer Account XXXX XXXX XXXX Bank Name Wells Fargo Bank, N.A Bank Address XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, United States Beneficiary Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX Routing Number XXXX Payable Amount {$2100.00} Purpose of Payment XXXX Registrations XXXX Complains already filed as follows : reportfraud.ftc.gov ( XXXX number XXXX ), XXXX XXXX XXXX XXXX, Wells Fargo NA Bank ( XXXX ), Al XXXX Bank ( request number : XXXX )
Product: Money transfer, virtual currency, or money service

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 act of accountability transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

I sent a response letter to the collections agency and the company have not validate the debt. Printouts of a bill or itemized document does not constitute verification nor validation of the debt. They have not supplied proof of a signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Nor any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
Product: Credit reporting or other personal consumer reports

I called and requested the information they had regarding this account that appeared on my credit i haven't received anything back and its been a full month. 

My identity was compermised in XXXX and i filed a police report but i was just informed how to properly report these issues, i am currently going through all the steps to fix this long going issue. 

accounts that were opened : US dept of EDXXXX XX/XX/XXXX {$7400.00} XXXX XXXX XXXX  : XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX adjust {$260.00} XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX : XXXX XX/XX/XXXX {$680.00} US DOeXXXX XX/XX/XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran a credit check without my permission. On XX/XX/18 a sales rep named " XXXX '' approached me and offered me cable and internet through XXXX XXXX XXXX. I told him that I was interested as long as they were not going to check my credit. He assured me that they only needed my social security number to make sure that I didn't owe XXXX XXXX XXXX any money. I gave him my information and scbeduled an installation date. The next day I received an alert by email telling me that XXXX XXXX XXXX ran a hard inquire on my credit. I tried contacting XXXX XXXX XXXX and even Equifax, but no one wants to help me. I would like the inquire removed and to have my points back. I would also like you to know how they do their business. They go door to door offering cable and internet and give false information such as promising no credit check.
Product: Debt collection

On XX/XX/2018 Credit Card Comenity BankXXXX & XXXX XXXX was legally paid in full for less than the full balance. This was a promise to be removed from all 3 Credit Report Bureaus which they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

My debt is with XXXX and my XXXX credit card was closed before it went to XXXX XXXX. So I get a letter from Sherman Originator lll, LLC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, I thought I just settled this, I have no money no job and I'm not receiving any government help like snap or food   stamps. I be been laid off and never return to a job for 17 years. My future of money or income is of no guarantee. Any assistance I do receive will be to pay for food and shelter. Again I have no assets. There's too many people trying to sue me one person for money I will never ever ever get a credit card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts XXXX different institutions. 

I have locked all my credit bureaus.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

At the XXXX XXXX XXXX XXXXXXXX from XXXX  to XXXX  with a total amount of {$250000.00} owed. Department of Education was able to retrieve and have my account cleared of {$3000.00} in XXXX of XXXX  due to XXXX  charging me for a semester that I did not attend school and my degree was mailed to me afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.
Product: Checking or savings account

I opened a Citibank Priority Checking account under their promotional offer of {$700.00} cash bonus with a {$50000.00} deposit. 

On XX/XX/XXXX, I applied online to open 3 accounts with Citibank, one being a Checking account under this promotional offer I received a packet in the mail with all three account numbers. I attempted several times to fax the signature card, but never was able to receive confirmation so I ended up mailing the signature card and IRS W-9 Form. I was not able to fund my checking account via ACH ( from XXXX to Citibank ). I called a Citibank customer service about the problems funding my checking account and was told to WAIT until I received my ATM debit card. 

On XX/XX/XXXX, I received an email from a Citi employee about my signature card. I responded, and asked if my ATM card had been mailed yet. I did not receive a reply about the ATM card. 

On XX/XX/XXXX, I received an email my Accelerated Savings account was open. There was a note my ATM card would be mailed within 5 business days. ( Note, I did not have any issues funding the Savings account from XXXX to Citibank ). 

When I finally received my ATM card that for some reason Citi required to fund my Checking account online, I didn't have the PIN number also needed. Citi told me this PIN was mailed separately. 

When I received the PIN number I promptly transferred {$50000.00} into the Citi checking account. 

I maintained over {$50000.00} in the accounts I had with Citi for the required 60 days. 

After 90 additional days, I still did not receive my {$700.00} cash bonus. 

I contacted Citi, they claim I did not make my deposit within the 30 day timeframe, that my deposit was on day 31. A supervisor gave me the same excuse. The supervisor told me an appeal would take 45-90 business days. 

Citibank used surreptitious business practices to delay a consumer 's ability to promptly fund a qualifying account in a timely manner, thus denying a promised cash bonus. 

*Citibank provided a fax number that did not work *Citibank delayed providing needed ATM card *Citibank delayed providing needed ATM PIN number *Citibank provided inadequate communication regarding account Signed, XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have been disputing my account since XXXX All my account say 'Account not disputed '. I have called and sent letters to let them know I AM the one disputing my accounts. My next step will be a lawsuit. I know my rights and they are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE MULTIPLE INQUIRES THAT ARE LISTED BELOW THAT ARE REPORTING ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME. I HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES, I HAVE SENT LETTERS AND NOTHING HAS BEEN DONE. THESE INQUIRIES THAT ARE REPORTING ARE ALSO DUPLICATED INQUIRES WHICH I HAVE BEEN ASKING TO BE REMOVED.
Product: Mortgage

NationStar/ Mr. Cooper account # XXXX is intentionally applying my extra payments incorrectly. The extra money should be credited towards the principal of my loan. I pay additional money towards my principal every month. However, they are applying part of the extra money t towards lenders paid expense fee when I have not late payments on my statements, no escrow, or any additional fees. I have not signed any a contract agreeing to a lenders expense fee. It is not clear to me what this fee is and Mr. Copper is not able to give me a reasonable explanation. I would like Mr. Cooper to provide supporting documentation for these expenses and fees and showing why this money isn't being credited towards my principal balance. I would like documentation from the initial date of my loan that supports why these fees are being charged and a contract with my signature. I would like all these fees removed from my account and credited towards the principal balance of my loan. 

I have attached some recent statements that do show I owe any additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX  XXXX, XXXX XXXX XXXX Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXX open account account type- auto loan balance {$37000.00} date opened XXXX XXXX XXXX XXXX  closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, XXXX XXXX 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 This violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit immediately.
Product: Checking or savings account

Truist offered a Cash Reserve Program to all checking accounts as a perk to keep your business. Once Cash Reserve account was opened, all account payments were on time. Truist decided to end the program and demanding immediate payment in full. When the Cash Reserve Program was open it allowed payments. Once program ended by Truist they required immediate full payment, with no repayment options and when called for information, no department had any answers or could respond to your request. Truist decided without notification to pull complete amount due of over {$300.00} from my account without my permission or notification of a date, causing financial hardship and causing my account to be overdrawn. This should be illegal to do, especially when we called to make a payment plan and no options were offered by Truist at all. Truist should be investigated for bad business practices and harming their customers financially to benefit themselves.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Against XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act Dear Consumer, Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding multiple late payments reported on my account, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with 15 U.S.C. 1681 Section 602, I assert that my right to privacy has been compromised. Specifically, under 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing information about me without my explicit written consent. However, I have not provided such consent for the reporting of these late payments. 

The details of my complaint are as follows : DATES : Any late payments reported since XX/XX/year>. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX corrects the inaccuracies in their reporting. Additionally, I would like to receive confirmation of your receipt of this complaint and any updates regarding the status of your investigation. 

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

THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

I purchaised two air tickets on XX/XX/2020 each worth {$780.00} each and a service charge of {$39.00} which makes a total of {$1600.00} using B B V A credit card and the air line ( XXXX XXXX XXXX cancelled the flight due to covid..I requested BBVA to dispute the transaction and refund the money .They refused saying the merchant disagree.I contacted XXXX  XXXX and they want to charge {$400.00} for each ticket as cancellation charge though the govt. said no cancellation charge be made due to covid. 
Also I disputed three charges that are not authorised by me EACH WORTH $ XXXXand they did not refund the money even after my dispute. this card is being charged {$25.00} each month even after my cancelling the card.The total charged amount is {$75.00} I need the money of both REFUNDED.THE CREDIT CARD COMPANY IS NOT DOING ANYTHING.