23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for assistance after my mortgage almost doubled causing me to fall behind. I hired an attorney to assist me in putting together an application for assistance. My attorney sent in my application on XX/XX/2020. After calling to see if they received it they are telling me I have to resend my bank statements and circle the rents I receive. I have already put check marks next to the amounts for rent. I applied previously and the same mortgage company kept saying they needed bank statements over and over after I had already sent them. It appears they are doing the same thing this time. Why would it matter if there is a check mark or a circle next to or around the amount I receive for rent is beyond me. In addition, my attorney called to discuss this with PHH and the person was rude on the phone and put my attorney on hold and left him on hold refusing to transfer him to an attorney. This company is purposely evading reviewing my application for assistance every time using bank statements as an excuse. According to my attorney this is a violation of RESPA Regulation X ( 1024.41 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.
Product: Vehicle loan or lease

In XX/XX/2023, XXXX repossessed my vehicle. As I had made prior payment arrangements with them regarding this. And they made no attempt to contact me to offer additional assistance. They only came and took my car.
Product: Credit card

So I try to use my credit card that was below my limit and got decline. So I call Citi bank and got verify. After that they remove the hold on my account and was told I could make the purchase so when I try to make the purchase, it got decline again. So I call Citi bank again and they wanted to verify me again but this time with a mail that suppose to take days. The item I am trying to buy, is on for a limited time and buy the time I get so call mail it be gone. It just very frustrating that I cant use my card that was intended.
Product: Credit card

My XXXX XXXX account was closed by Capital One on XX/XX/XXXX even though I had been a loyal customer with on-time payments. I paid the annual fee of {$390.00} in XX/XX/XXXX and even though the bank closed my account they did not refund the annual fee. Basically stole the annual fee I paid.
Product: Credit reporting or other personal consumer reports

Disputed account balance with all bureaus which has balance due customer of XXXX $ XXXX XXXX XXXX. Not corrected score unchanged. Constant balance and score difficulties Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never applied for any of these items I called Experian and told them i sent in a dispute also along with a police report and they said they couldn't do nothing for me and these inquires stopping me from obtaining the things in life for me and my family.
Product: Checking or savings account

I opened this account and requested a transfer to an external account. The bank froze the account and reversed the transfer. Now, I am unable to access my account and the funds. The bank asked me for verification documents and said they XXXX take XXXX business days for them to process. I am disputing this process because it is too long of a time for them to lock up my funds. I need access to my funds.
Product: Credit reporting or other personal consumer reports

Since XXXX of 2023 I have been sending Capital One letters to validate the debt they say I owe to them. They have not provided me anything that validates my debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance. 

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct. 

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported. 

4 ) The Agreement that grants you authority to collect on this alleged debt. 

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

6 ) The purchase agreement. 

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt. 

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct. 

9 ) Master Bill of Sale.
Product: Debt collection

I sent a request for Debt Validation Request letter ( Certified Mail with Return Receipt ) since it was appearing on my report as a collections out to Monterey Financial Services on XX/XX/year>XXXX  and they received it on XX/XX/year>. They did not provide a response within the 30 days according to the FDCPA 15 USC 1692g required under law. I sent another letter to for the demand for removal from my credit reports for failure to provide debt validation on XX/XX/year>XXXX  ( Certified Mail with Return Receipt ) and they received it on XX/XX/year>. Since then I still have not received anything from them nor have they removed this from my credit reports as instructed I now intend to sue and press whatever charges there are at my disposal. This has been on my credit reports for almost 2 years now and I want this removed.
Product: Credit card or prepaid card

I had taken out a Synchrony Loan/Credit Card to finance a new AC for my parents ( who are elderly and my father is in end stage XXXX XXXX with XXXX ). I set up automatic payments on their website. I always choose " pay balance '' on my credit cards to avoid interest. I did that with this one, too. They took out the full {$6300.00} from my bank account in lieu of the XXXX XXXX monthly installment. I quickly called and said there must be a mistake, please reverse the charge and I will make a payment over the phone immediately. I was advised that was not possible. They would send me a paper check for the difference and it would take 7-10 business days to arrive. I spoke to two 'client managers ' who told me they could not electronically refund the money, nor expedite the check issuance and/or XXXX the check. I was told a 'client manager ' is the highest person I am allowed to speak to. I can't even do an electronic deposit for a {$6000.00} check. I would need to drive 30 minutes to my credit union. I explained all of this to them. I believe it's unreasonable ( a frankly predatory ) to expect a person to wait 7-10 business days for a refund that can only be issued on a paper check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; DXXXX XXXX XXXX XXXX XXXX : {$450.00}
Product: Credit reporting or other personal consumer reports

Equifax, Responding to closed complaint # XXXX. 

In your response to the CFPD complaint you stated A summary of the results are listed below : NON REPORTING DISPUTES XXXX XXXX XXXXXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # s I had with XXXX. 

I've attached a letter describing the issue in detail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts on my credit report that I do not recognize. After reviewing my credit report, I discovered accounts that I did not open or authorize. Given that my personal information was exposed in a national data breach, I believe I have been a victim of identity theft. 

I have already submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter and have requested validation of the debts in question. However, I have not yet received adequate documentation proving the validity of these accounts.

To support my dispute, I have attached the following documents : 1. A copy of my government-issued ID for identity verification.

2. A copy of my FTC Identity Theft Report.

3. Documentation showing my personal information was compromised in a national data breach.

4. A copy of my debt validation request.

Given the circumstances, I request the immediate removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide me with the results at your earliest convenience.

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Nexis Nexis for a data erasure of my records which was incorrectly reported. They hold infomation against my which I do not consent to publish my personal public information to insurance companies.
Product: Mortgage

There Is a motion on XX/XX/XXXX to reset foreclosure sale date on this 100 % foreclosure fraud case against defendant. XXXX XXXX XXXX has sold/transfer/assign this mortgage to : PennyMac. I have been told at courthouse to my face by attorneys that '' Too Big Too Fail '' XXXX XXXX XXXX does not EVER lose a foreclosure case XXXX County Courthouse despite strong evidence against them. 

1. There is case # XXXX XXXX vs XXXX before Florida 's Supreme Court addressing Florida 's 5 year statute of limitation schedule to hear open oral arguments on XX/XX/XXXX. Statute expired on this case XX/XX/XXXX but case continues to be re opened by Plaintiff attorney by paying {$50.00} to court. 

2. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Loss/Destroyed Original Note/Mortgage, Plaintiff and domestic financial terroristXXXX XXXX XXXX lacks legal standing ( do not own mortgage ) funded and sold off originally by now defunct XXXX XXXX Bank, robo signing, robo testifying at non jury trial. ENTIRE COURT FILE DISAPPEARED at non jury trial & continues minus few loose pleadings but granted summary judgement by court. XXXX due process. For heavens sake how is this possible in our sacred American Judicial System where justice and facts are suppose to prevail? 

3. Force placed homeowner insurance obtained by XXXX at illegal price gouging rates XXXX, XXXX times normal amount they know this is 100 % accurate. 

4. XXXX XXXX XXXX uses XXXX County Courthouse to lie, cheat, steal, laugh, disrespect, violate, abuse, XXXX, intimidate every Florida judicial foreclosure civil law in existence on contested and un contested cases. 

5. I want any Department of Justice settlements with this XXXX XXXX XXXX under the Holder administration applied ( Full principal forgiveness ) immediately to this case. XXXX or XXXX cents ( XXXX, XXXX ) on dollar deals to settle are a JOKE & non deterrent in anyway for these lucrative bank home theft deals, just cost of doing business. Once these deals signed by bank executive/s it was business as usual on the way out the door with no admission of wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX : {$840.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON XXXX AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I Guess PayPal must fix the problem. 
My email is XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am experiencing financial hardship due to a cut in my hours. I fell behind on my rent payments and was drowning with bills, I'm a XXXX XXXX XXXX XXXX XXXX and I have no financial help. During the time of not paying rent I had been trying to help my parents and my hours were significantly cut at work, I was barely making it, the company I work test students and staff at colleges, residential homes and offices for covid and im a collecter but my hours were cut due to budget cuts and because the covid numbers were getting low they didn't need us to test for covid. 
During that time my dad got very ill and was unable to work and I was trying to help my parents so they didn't lose their place and in doing so I lost my XXXX XXXX I lived at for over 6 years. Everything was happening all at once and I was unable to control the situation. I was trying to make sure my kids had food and a roof while also making sure my parents were okay, I hope you can forgive the balance I owe. I am trying to get back on track and catch up, it has definitely been a huge struggle that I hope to get out of. 
Thank you, XXXX XXXX
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 : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, all have 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX. Please delete this account ASAP.
Product: Debt collection

SouthWest Credit Systems/XXXX have incorrectly reported a debt to my credit report that is NOT my debt. The person who owns the debt has the same first and last name as me, but a different middle name. The person also has a different address which is not my address. This debt collection company has wrongly and inaccurately put someone else 's debt onto my credit report and this is tarnishing my credit report and credit history. The amount of debt Southwest Credit Systems/XXXX is seeking is {$1400.00}. This is not my debt and I have no knowledge about this debt. This debt has been fraudulently put onto my credit report as this is someone else 's debt and I want this to be removed immediately!
Product: Debt collection

I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact XXXX XXXX XXXX did not provide any info. I never opened or authorized a XXXX credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?
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 plateform. 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 CFB '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: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX XXXX XXXX XXXX  acount number XXXX reporting a on my credit report on XXXX, experian and XXXX. I should be kindly remove inmediately since it was ruled by the Department of Justice in XXXX XXXX ruled out on XX/XX/year> that the contract for the aforementioned account was not valid. 
Please proceed with an inmediate removal from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out in XX/XX/2022 to Experian, XXXX, and XXXX. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.