23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called Shellpoint to follow to look at options to avoid losing my home. This was XX/XX/2020. The rep specifically told me that they would do a loan modification and to call back on XX/XX/2020 to get the new payment and terms. I did as I was told. I was passed around to several people and then told a supervisor would call me back. I never received a phone call. I followed up today ( XX/XX/2020 ) only to find out they are taking my home. I explained that I never received a call back and was told this was already approved. Now I'm told that they denied it. I have never received notification of this. I was told that I would receive a call back today ( XX/XX/2020 ) by a supervisor to work this out. I was given a direct email to XXXX XXXX to ensure I would be contacted today. So far nothing.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any p
urpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX if 2022 I applied for a loan I was directed to sign up with credit karma to get a credit score from report and I had to pay membership fee XXXX is a charge that was imposed on me as a condition to get loan and that's unlawful. Then every day I would get emails saying I was approved. My credit was accepted I can access funds or approved for credit card {$10000.00} line of credit. And each time I log in the accept the offer I fill out another application and get denied. My XXXX XXXX is destroyed XXXX it was XXXX. XXXX points. My stress level is through the roof. I was set on paying off my debt and taking family on a small vacation. Now they think I'm a loser for say I would vacation with them. Now I don't know how I'm to survive. I am sick to my stomach with anxiety every time the XXXX ask my. The pre approved and accepted emails are deceptive and misleading. They clearly say I can log in and receive funds. I've been shamed. They should compensate me. And I can't wait XXXX or XXXX months.
Product: Credit card

Please find the attached documents. I kindly request that the bureau initiate an investigation into these accounts, as they incorrectly report me as being late, despite my punctual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with this. My consumer rights have been violated.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/2018 GM Financial Incorrect Balance- {$720.00} This company is reporting an inaccurate balance. 
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : The above referenced account ( s ) are unverified accounts. The account balance is being reported inaccurately. This account is showing negatively on my credit reports. The above account have adversely impacted my credit. I am requesting for this company to update information on my credit file as paid.
Product: Debt collection

IQ Data International, Inc is falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 

I have disputed the validity of this debt with XXXX  and XXXX. Unfortunately the companies simply parrot IQ Data International 's position that the account was " validated ''. 

This is unacceptable as I requested a real investigation several times. This includes a request for furnisher to provide original documentation with my signature and also a itemization of how the alleged debt was calculated. Neither the original furnisher XXXX XXXX or IQ Data International has provided me with an answer. 

My family and I have been homeless over the years because I was denied a real investigation into this matter. They ballooned the debt no sooner than we let the settlement ink dry and they received my {$2000.00} back in 2014. 

Please note I continued to pay XXXX XXXX on a month to month lease basis as the owner of the property had no problem with me once a settlement was reached. I have proof I left the property owing nothing from that transaction. 

It is my belief XXXX XXXX did not pay the owner in accordance with the settlement terms and upon me leaving the property XXXX XXXX XXXX, immediately attempted to doubled the amount the alleged debt it claims I owe. 

I have court documentation proving that I paid over {$2000.00} dollars on this alleged debt back in 2014. XXXX XXXX should also have a copy and has refused to submit anything relating to the court settlement which is outrageous. XXXX XXXX has violated my rights by fraudulently inflating the alleged amount owed after our court settlement in 2014. Furthermore I was not notified that XXXX XXXX sold the alleged debt to IQ Data International. 

IQ Data International having detailed knowledge of my complaint has also ignored my request for an itemization of the debt. This is clear opportunism and unless IQ Data International can provided an accurate itemization of monies paid via the court settle in 2014 it purchased a debt that was inaccurate. To continue to report on the alleged debt after having knowledge of errors is a violation of federal and state law.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit 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. The informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/year> between XXXX XXXX  and XXXX am {$1500.00} was taken from my account without authorization from an ATM. The money was withdrawn from my account while I was in a different state. I filed a dispute after finding out about this on XX/XX/year>. On XX/XX/year> I get an email stating that no error occurred and the bank wont return my money that was unauthorized use of card, or fraud. I filed a police report with the agency at the state I was in verifying that I was in fact in that state and not in the state of Minnesota. I obviously cant be in two places at one time. I submitted that police report with my dispute and even that didnt help as the bank refuses to give me my money back.
Product: Debt collection

Was checking my credit and saw a collection from Blakely and Witt associates saying that I owe XXXX to them and original creditor is XXXX XXXX XXXX  XXXX. I do not know who that company is. However I do know who the XXXX XXXX XXXX XXXX is. I lived there for 1 month. So I do not know how they came up with this figure, and 2nd I do not have a balance with both companies. So I would like for this inaccurate, Inflated charge to be removed from my credit. It shows up on all 3 reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.I 've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Money transfer, virtual currency, or money service

The XXXX XXXX : Crypto.com does NOT provide its users with a Profit/Loss statements that we need to file our taxes. They tell their users to download a generic file that Does NOT include the user name or information, it does not include their commission fees ( This is used for cost basis ) and most importantly it does Not provide the " total '' for Deposits and withdrawals to simplify Profit and Losses. 

I reached out through their mobile app via message with their support agent which was of absolutely NO Help. I was told this information was not available. I have screenshots of this conversation. 

This is a Multi Million dollar if not Billion dollar company that can't even provide tax report pdf 's for their customers. 

The generic spreadsheet that they tell their users to download should at least include The users name, Platform name and stop hiding they commission fees.
Product: Money transfer, virtual currency, or money service

I have been using the EarnUp service to forward my mortgage payments to my mortgage service company, XXXX. Normally, EarnUp collects payments from me on the XXXX of the month and the XXXX of the month. They then forward my payments to XXXX. Supposedly EarnUp forwarded my mortgage payment to XXXX on the XXXX of XXXX. Payment needed to arrive by the XXXX to fall within the grace period. However, payment has not yet arrived at XXXX and it is now the XXXX of XXXX. I have now received an over {$40.00} late fee and my mortgage will be reported to credit agencies by the XXXX of XXXX if full payment is not received by then. 

Earnup states that it will take them 5-7 business days to track my payment. However, by then, it might be too late and I will be reported as paying late to credit agencies. I have never had a late mortgage payment in well over 30 years of paying mortgages between two different houses.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Checking or savings account

On XX/XX/XXXX. Bank Of America with NO authorization issued a payment to XXXX XXXX in the amount of $ XXXX leaving my account over drafted. 

Not only that I do NOT have an XXXX card but they left me no funds on the account. Not money for living. They took ALL THE FUNDS. 

On top of that they changed my personal information on the online banking- changing my email address where i receive all the correspondences. 

Until today I've spent hours on the funds and until now this has not been resolved.
Product: Credit reporting

Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance
Product: Consumer Loan

I applied for a personal loan through the online site 'Mr Amazing Loans ', and as part of the prequalification phase, the site attempted to get me to enter the Username and Password for my checking account at XXXX XXXX . I already provided my bank 's routing number and account number on the previous page. I have never been asked by any financial services site to enter my Username and Password for an account at another non-affiliated institution. I 'm certain there must be some regulations prohibiting this type of conduct. I would kindy ask the experts at the CFPB to look into this matter. This type of personal information should never be requested by any online site. Thanks
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and XXXX. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Debt collection

I received a call today XX/XX/2019 from XXXX at XXXX I answered it and I got no response or anything I hung up. I did say hello though. 
I got another call at XXXX from # XXXX XXXX XXXX and a girl answered the phone. she asked for me by my full first and last name. I said didn't you just call me from the 877 # and she said yes. I told her okay you guys call me everyday and never left a message but call and call remove me from the phone system. this is an officially cease & desist and to stop calling me so much everyday. she said I could take down the information I said no and hung up
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for original purchase agreement signed by all parties involved. Because I have had several different companies reach out to me about this same alleged debt. 
They have the date opened as of XXXX & delinquent which is incorrect reporting on my report. As you will see on the statement the account was opened before that date and due to a financial hardship I faced in XXXX was last payment. Please see attached statement
Product: Debt collection

I have written numerous times to Eqifax and I have asked them to verify a Collection on my report, I have written to the Company and tell constantly tell me the debt is mine. Equifax has only written to me telling me, the debt is mine. The debt is not mine and Equifax will not delete this from my report as the other two reporting agencies have. I would like your Organization to look into this from Equifax.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/year>XXXX  Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>
Product: Mortgage

My loan with XXXX was recently transferred to Planet Home Lending, a notice of default from XXXX appears to have crossed between transfer to Planet Home Lending. The default consists of months of XXXX and XXXX. I contacted XXXX, the rep at XXXX whom handled the origination of loan, she advised the company handling loan is not the same company whom owns the loan itself. I've been attempting to confirm if Planet Home Lending now owns the loan or if it only services loan, unable to verify. Due to notice of default, I need to confirm this in order to insure i am dealing with correct party whom owns loan
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX