23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred from XXXX to Nationstar Mortgage in XXXX TX on XXXX XXXX, XXXX. On Friday, XXXX XXXX, I received " opt out '' form dated XXXX XXXX and letter of explanation dated XXXX XXXX. No other dates appeared on the forms. I called them to opt out and they said they would process this, but it may take up to 30 days. 
This violates the Gramm-Leach Bliley Act. 
When I spoke to a supervisor XXXX XXXX, and told him I wanted to opt out now, he said there was nothing he could do. I told him to speak with his legal department about not dating the notices which would allow people, by law, the 30 days to opt out before selling all private information. He said he would make a note in my account. I suggested he make a note to his legal department. 
I am sick of receiving up to XXXX calls a day ( even after I block/ignore numbers! ) from people looking for me to invest, buy, give, etc. The OPT out rules are not being followed and it is a shame the government is protecting the rights of businesses to screw me instead of protecting my rights - I should be able to OPT IN if I want all my personal information sold and used! Businesses should NOT be allowed to use and sell ALL my private information without ME approving it!
Product: Credit card or prepaid card

On the date of XX/XX/2022, a purchase for a total of {$840.00} was made on the website XXXX. The merchant contacted me to let me know the item I purchased was out of stock but never provided a refund. After days of waiting, a case was filed on XX/XX/2022 with Citibank for no merchandise being received. Citibank investigated and claims that the merchant shipped out the merchandise however they can not provide proof that this is the case. No tracking number has been provided to me or Citibank. Now Citibank claims the can not investigate any further, even though I have sent proof of my order status never having been updated to shipped and order still being processed.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments .It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a copy of my social security card, a current address, date of birth and a utility bill to authenticate my identity twice by first class mail and Lexis website. Lexis Nexis has ignored the documents and encouraged me to resubmit through their website. Due to ongoing identity theft issue ls via the internet I rather use the U.S. postal mail and Lexis has not indicated they have not received the requested documents in order to release my consumer file and update my information. My social security number ends in XXXX.
Product: Credit card or prepaid card

I disputed charges on my account. I live in TN and I have charges from XXXX in CA. I have only used XXXX a handful of times and it was at least 2 years ago. I have charges all over my acct from XXXX. I disputed all of them because NONE of them are mine. I received a letter dated XXXX that said I am not responsible for 2 of them : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Then it says I AM responsible for the following : XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How could I not be responsible for 2 of them but be responsible for the rest. I can guarantee none of them items delivered to my home where I have cameras to prove XXXX never showed. I have NEVER used my card for XXXX. I am not responsible for any of these charges.
Product: Mortgage

I was a victim of a XXXX  as a XXXX veteran. Identity theft was done against me as a result of this with mortgage accounts opened with the following XXXX mortgage companies below XXXX. Amerihome Mortgage Company. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX
Product: Debt collection

i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  ( XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT Reporting Utilization is illegal. XXXX account # XXXX  open date XXXX ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX Civil liability Delete from credit report immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in the 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 is impossible and that tracking these transactions wasnt feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, XXXX XXXX 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 card or prepaid card

AMEX REFUSE TO REMOVE {$2500.00} UNAUTHORIZERED FRAUD CHARGES MADE BY XXXX XXXX XXXX ON ABOUT XX/XX/2019 AND SENT PAYMENT NOTICE DUE XX/XX/2019 FOR {$6600.00} IN WHICH IS UNREALISTIC FOR ME TO PAY BEING ON FIX INCOME ( SSI/VA XXXX VET ) AND THIS HAS CAUSED UNEXPECTED FINANCIAL HARDSHIP IN WHICH I CAN NOT PAY AND MAINTAIN STANDARD OF LIVING AS A SINGLE PARENT FATHER OF XXXX DAUGHTER AND I DISPUTE THE VALIDATION OF DEBT OWED PER 1692g FDCPA DUE TO CONFLICTING BALANCE / BILLING STATEMENT AND INFORMATION TOLD BY AMEX REP STATE A DIFFERENT AMOUNT AND STATUS OF ACCOUNT
Product: Debt collection

Upon carefully reviewing my recent credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX filed with claim representative XXXX XXXX. report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed a " XXXX XXXX XXXX  '' hard inquiry. I couldn't get information confirming the authorization. Hard inquiry comes from a XACTUS - AVANTUS. I called for more information but had not received any.
Product: Credit card

Dear Sir/Madam in todays retail environment, credit card processing company is essential, especially for firms that operate through e-commerce platforms. However, many shoppers worry about how long a merchant has after submitting a purchase to charge their credit card. Or what are the chargeback limits of different cards? 

According to credit card issuer rules, merchants have no time limit to charge their credit cards. If the transaction is approved, the merchant has to charge its credit card within the time limit of 30 days. The period might range from 24 hours to 3 days, depending on the bank. Some banks demand to charge credit cards within 30 days. 

_____________________________________________________________________________________________________________________________________________________________________________________________________________________ I notice that my Navy Federal credit card was charged on my XX/XX/XXXX statement {$840.00} Date : XX/XX/XXXX Merchant : XXXXXXXX XXXX XXXX Im disputing the charge for two reasons : charge amount is incorrect charges was accepted after more than 30 days of transaction which were on XX/XX/XXXX I requesting that my credit card account be corrected, and all interest charge 11.24 % APR applied, be reverse. 

XXXX XXXX XXXX had to falsify information to collect the charges, and the bank drop the ball in allowing this to happen. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We are currently enrolled to help with our debt with XXXX XXXX One of the companies we enrolled was American Express. In XXXX of XXXX, we started the program with XXXX fiXXXX. We started putting money into our dedicated account XXXX of XXXX BECAUSE we want to pay our debt at a number we can actually afford as retired military. Our first missed payment to AMEX wasnt until mid XXXX. We didnt hit 30 days missed payment till XX/XX/XXXX. Currently in XXXX of XXXX. Only 5 months out. It started with calls and letters which we expected. We directed them to XXXX XXXX and told them we are working on fixing our debt. That they WILL be paid, just please contact the company we are working with to fix this. We understand they want a payment and we havent said we wont. We are just going through a company to do so. Apparently thats an issue. They refused to let us speak, refused the information, cussed us out on numerous occasions and even had a guy who said he represented American Express call us and cuss us out. The last call was in XXXX where a VERY aggressive and loud man was demanding payment and again, refused to take the information on the company we are working with. Ended up having to block the numbers to stop the harassment. 
We are 5 months out. Thats it. They have refused to work with us or XXXX XXXX and are now trying to sue us. We havent been served, yet we got a letter stating we were being sued that wasnt even certified. 
The amount that is owed is XXXX XXXX ( That doesnt include the extra fees they have recently added ) Our last payment we made was XX/XX/XXXX at XXXX and XX/XX/XXXX of XXXX. 
Not once have we said anything negative. We have continuously tried to explain the situation and it sounds like they would much rather harass us than fix the situation and are now creating stress. Theres an old saying, you cant get blood from a turnip. Their fees had gotten higher regardless of making monthly payments, they never once reached out politely and instead were absolutely atrocious. All we are asking is for them to work with XXXX XXXX. Speak to them at least. But they wont. So now Im done trying. They have people coming to our house now harassing us. I have video proof. Whatever info you need, please dont hesitate to contact us so we can get this fixed ASAP. 
Again, we want to WORK with them. They just refuse to work with us. Im unsure of how to upload the video to here as its 5 minutes long. And the letters I have, AMEX has sent to us. XXXX XXXX has all of our dedicated account information and Im sure can share the program with you. I am attaching our proof of working with our debt as well as the last statement we received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issue/ wallet Billing. My XXXX was stolen awhile back. Unfortunately phone was not locked. The thief enter and took over my email account ( XXXX, app account, ordered items off my credit card, and deleted all pictures from my XXXX/ phone. This incident forced me to close all accounts through XXXX, use my other email account, and to order a new phone. Additionally, I was forcibly locked out my XXXX for nearly two weeks. 
Upon receiving my next phone XXXX could not provide me access to my remaining information left in the XXXX with the new address of XXXX. To make me whole from the experience, it was suggested to keep the username of XXXX but to use my new email of XXXX. 
Since the theft of my phone and information I havent used XXXX. 
Apple Card services has charged Me for apps, on two occasions in the amount of {$2.00}. The charges appeared in a wallet app on my phone that I had no knowledge existed. I was told notifications were sent to XXXX My credit issue was only discovered after I pulled my credit for denied credit. Upon calling my first issue of complaint was that a bill was never mailed out for the charges. This is when I was I informed of the wallet. I was informed that paper bills are not mailed and instead the bills and sent to the wallet app. Being old school, a wallet on my phone didnt sink it.I was walked through this process by the responding agent and the matter was partially resolved. Meaning they got their {$2.00} and late fee for the app not being paid. I, on the other hand, I did not know the wallet existed nor did i know a there was a bill on my phone. As a result, I got a report of being late of XX/XX/90 days. This incident Turned my credit score from the XXXX to XXXX or less. I pay my bills religiously! I have called and requested paper bills but they say its not an option. Ive called Goldman Sachs several times requesting a removal of the items in Good Faith and each time the dispute resolution department disconnects from the call. I desperately need help.
Product: Mortgage

This correspondence should be included and attached to the ongoing complaint. 

Per XXXX letter attached from XXXX XXXX this happened. 

United Wholesale Mortgage analized my escrow account, refunded an overage and then increased my monthly payment. Is this correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, XXXX, and Transunion written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, XXXX, and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, And Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, XXXX, And Transunion wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Product: Debt collection

i emailed zwicker at there maligation email an to XXXX XXXX XXXX who is always rude to me in email. i let them know about the account being fraudent. i send the complicent i made over. they continue to want to take me to court for an account thats not mine because they wont talk to discover about dismissing a case for fraud seeings it not mine an seeing i can never work again an only get ssi an i will at some point need my XXXX XXXX im tired or aruging with them an discovery it needs to end this is XXXX  harrassment knowing i can XXXX XXXX without being in alot of pain but they still want to take me to court because they want money money money thay i dont owe an i only get ssi an they need to talk to discovery to send in the paper work to get this dismissed with the courts so i dont need to keep going each year! its so painful on my XXXX  an this company has sent over the same info before when i made a complant but they are very rude an could careless unless your paying them an even told me to pay using my ssi so it would be done an over with when the accounts not mine im so tired of this mess
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.