23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 


XXXX XXXX XXXXXXXX
Product: Checking or savings account

From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Cc : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Subject : chase checking account fraud urgent escalation, {$2000.00} fraudulently disappeared via XXXX account Attn : Chase Executive Team I need urgent escalation in regards to missing {$2000.00} funds from my checking account that disappeared from my account to some weird XXXX  area code numbers in two transactions on same date. I been trying to seek help from Chase for two weeks without any luck, when I contacted XXXX  they said unable to assist I need to speak to my financial bank. I took preventive measures changed my chase password, removed XXXX account from my profile but it doesnt help me to recover stolen funds that hackers sent via XXXX to two unknown XXXX numbers with same individuals name but thats what law enforcement and your fraud department needs to work on. 

I need your fraud department to do better job with their investigation and cooperate with XXXX fraud dept figure out how it happened and to make sure funds recovered without delays. I been loyal chase customer for many years never had issues and always knew chase have my back. I am shocked to receive below letter instead of funds back to my account. 

Let me know if Chase escalation team can resolve this and make sure funds are recovered back to my checking account otherwise you leave me to no choice to contact Federal Consumer Protection Agency, NY State Banking Department to assist me to make sure this fraud is traced properly and my funds recovered complaint on record about Chase and XXXX handling consumer fraud investigation poorly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. subsection 1681-2 ( a ) and ( c ) and 15 U.S.C. sub section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, a violation of my rights as a federally protected consumer. Federal law Prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listing, both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONIAL ACCOUNTS FOR REMOVAL- XXXX XXXX XXXX
Product: Vehicle loan or lease

Fraud. You all already know what is going on. There are 30 additional months left on my loan term. Please have Wells Fargo just recalculate the payments for the life of the loan. they have already taken more than enough payments the car is already paid for as they change loan agreements at signing but i dont care at this point they can have my money just make sure they recalculate the payments for the life of the loan. should be around 30/month. please also make sure no one switches my cars the entire engine was new when purchased now it is set on automatic failures. the balance due is around {$900.00} and there are 30 months remaining on the loan. the payments should not be {$160.00} for 30 months.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off the full amount of my Capital One credit card ( {$4400.00} ). Historically, I typically pay this card off fully and do not maintain a balance on it. 

On XX/XX/XXXX, Capital One charged me interest of {$28.00} despite having a {$0.00} balance. On XX/XX/XXXX, Capital One charged me a {$28.00} past due fee on the {$28.00} interest charge, and then added another {$0.00} in interest on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use my credit card, upon which I realized it had been locked. I noted the {$57.00} balance ( from the interest/past due charges after my full payment ). I immediately submitted a payment for the entire {$57.00} balance and called Capital One. Their employee apologized and said they were waiving the full amount of {$57.00}, and she said she would cancel my unnecessary payment. She assured me I would have a {$0.00} balance and nothing owed once they waived everything, and therefore my account was in good standing with {$0.00} owed and no more expected interest charges. 

However, Capital One apparently did not complete the waiving process. They then charged me another {$40.00} late fee on XX/XX/XXXX along with {$1.00} in interest on XX/XX/XXXX. They also reported my account in late standing to all 3 Credit Bureaus. 

On XX/XX/XXXX, I was notified of this negative change by the credit bureaus. I immediately called Capital One. Their employee opened a case to correct their bank error and rectify it. They informed me that the credit bureaus would be notified by the bank of their incorrect reporting, and my account would again show my good standing. 

But unfortunately, on XX/XX/XXXX, Capital One itself, after being notified by the credit bureaus that my credit report had a late associated with it, used the negative reporting -- that they caused by their own error- to make a decision to lower my credit limit from {$22000.00} to {$5000.00}. 

I called Capital One to rectify the reduced credit limit today, and I was told they only recourse was a credit limit increase inquiry. This is unacceptable. Their error has caused the negative bureau rating. And they made a decision on my account based on their own error. I need resolution back to my full previous good standing.
Product: Mortgage

I am trying to refinance my mortgage with my bank XXXX XXXX. I get a call from Newamerican funding asking to help with my refinancing. She stated that she is with XXXX XXXX XXXX XXXX  verified that they are part of their system today. NAF stated gave me an approval for my 20 yr term with a better apt but are going to charge me more for the loan. 2 days ago she send me a new loan estimate stating that the closing cost went up but did not explain why. I realized today that their loan is worst then my original loan and I want to file a complaint about Newamerican funding. I am trying to get a comparison and I did not get that. I am getting ripped off from NAF and I dont want to deal with companies that think that this is ok. She is taking advantage of the fact that I did not know what was going on. I will include all 3 loan estimates from both companies. Please review. I will try to close out the Newamerican funding loan but what happens if they wont let me who can I call for help in this. I will have to talk to a lawyer now to remove them from my mortgage.
Product: Debt collection

Friday, XX/XX/2019. The Debt Collector sent process server to serve papers at my brother 's house. Without my brother saying anything she quickly told him my name and they are trying to serve me for Debt. I don't live in that location. I was only staying with them for a bit but currently have my own apartment. I don't know why they would tell him my name without him asking and be telling him my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Violation of 15 U.S. Code 1666b and 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) ** Dear Sir/Madam, I am writing to formally notify Experian, XXXX and XXXX of a violation concerning the reporting of late payments by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit report. This matter pertains to 15 U.S. Code 1666b and 15 U.S. Code 1637 ( b ) ( 2 ) ( A ), which govern billing errors and the requirements for providing documentary evidence before reporting late payments. **Affidavit of Facts : ** It is a fa
ct that I, the affiant, am aware that 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) mandates that when a billing error is reported, the creditor must provide all documentary evidence to clarify who funded the account. Until such evidence is provided, the following companies XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are prohibited from reporting late payments on the account in question.

Despite my request for clarification and documentary evidence as specified under 15 U.S. Code 1637 ( b ) ( 2 ) ( A ), these companies failed to provide the necessary documentation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has continued to report late payments on my credit report without meeting the requirements set forth in the statute. This action constitutes a direct violation of 15 U.S. Code 1666b, which prohibits creditors from reporting inaccurate or incomplete information when they fail to provide documentary evidence as required by law. 

Given these facts, I request that Experian, XXXX and XXXX take immediate action to : XXXX. Investigate and remove any late payment entries related to the following companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report, as they are in violation of 15 U.S. Code 1666b.

2. Provide a detailed explanation regarding the failure of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the requested documentary evidence. 
XXXX. Update my credit report accordingly to reflect accurate information in compliance with applicable federal law. 

Please treat this as an urgent matter, and I expect a prompt resolution in compliance with all relevant legal provisions. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

My Credit was stolen I am a victim of identity theft. 

Card account was opened at Citibank in XXXX. Requested this to be removed several times but nothing resolved.
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 recent CFPB lawsuits highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies my financial institution adequately They informed me that tracking these transactions was infeasible .The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams
Product: Mortgage

I had did a inquiry about refinance my house and getting some cash to pay off of credit cards. This was just inquiry, they said it would not affect my credit score just doing inquiry. My account with my mortgage company was finally good. This company had told me that I had already paid hundred thousand with my mortgage company. I did not give this company ( Credco ) permission to check my credit. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY ... 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 XXXXXXXX  has violated my rights also my name on the credit report is incorrect  15 U.S.C 1681c (a)(5) 15 U.S.C 1681s-2(a)(1)
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit card or prepaid card

I purchased a XXXX XXXX scooter in XXXX directly from XXXX XXXX. The scooter arrived broken and caused an accident with my child. The company refused to issue a refund so I initiated a dispute through my credit card ( Citi-Mastercard ). The credit card will not charge back the funds even though the company scammed me with a broken product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open up a fraud investigation on a credit card account discover financial service and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send XXXX  and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called XXXX  yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with XXXX and XXXX never explain that the company has a claim dept for customers who had fraud charges I have a membership with XXXX and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .XXXX told me I need to contact discover to have this fruad account removed and I contacted discover too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim discover credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report XXXX refused to do so
Product: Mortgage

We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquired on my credit report. Someone had to applied for something in my name. 

Ive sent several disputes to remove the fraudulent hard inquiries. 

Due to fair credit reporting act, these unverified and unauthorized accounts are not related to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

An applicable financial entity has XXXX ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. 


Per IRS Publication XXXX : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and XXXX have to pay tax on this income. 

If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB ' XXXX 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

I applied to XXXX XXXX XXXX  for a student loan. I was denied due to unpaid bills. My bills are automatic withdraws. The only large amount I have taken out of my account is my car loan, where I have to manually pay the bill each month via a electronic payment over the telephone. I leased a car starting in XX/XX/year>. I was approved for a loan at that time. I believe that my XXXX XXXX is INACCURATE. It was much higher in XXXX compared to now, XX/XX/year>. I have searched several times to obtain my credit score used for the above mentioned car financing option. I do not understand why I was approved for that loan, but not the XXXX Bank loan. I have a student loan through XXXX XXXX. I used it for the Spring of 2024 and Summer 2024. It does not make sense that I was approved for these loans, and yet, was denied for this specific student loan request. I request that my CREDIT SCORE be checked and verified. I believe it to be wrong and need it fixed to be able to apply for student loans and for a future vehicle financing option. Again, the majority of my larger bills are paid via automatic withdraw. I also believe that several of my bills had not been paid because my credit card expired this past XX/XX/year>. Furthermore, these errors are costing me financially and academically. This needs to be resolved ASAP and fixed ASAP. Thank You, XXXX XXXX.
Product: Consumer Loan

In XXXX I got an auto loan from J.P. Morgan Chase Bank. The contract I signed was for the Amount Financed : XXXX, payment schedule of XXXX payments of {$510.00} and XXXX final payment of {$510.00} due on XXXX/XXXX/XXXX. In XXXX XXXX, I was in the process of paying off the auto loan ; however, after contacting Chase to find out my payoff amount, this amount was different from what I had calculated so I asked Chase to send me a itemized statement listing all payments made, interest payments, and principal. First thing I noticed on the itemized statement there was a charge of {$190.00} ADDED to my original loan of {$22000.00} ( this is what my contract states I OWE and SIGNED for ) which now made my total loan for the amount of {$22000.00}. Therefore the {$190.00} ADDED to the principal of the loan, would affect the interest over the course of the loan. I contacted Chase in reference to this discrepancy and no one could tell me what this charge was for, in fact, the charge was ADDED to the PAYMENT column. ( So in reality, this should be a PAYMENT, not an ADDED charge. ) I called Chase several times, talked to several people asking if they could do an audit on my account, and I was told they do not have the manpower to do this. I took all my auto loan paperwork to an accountant, they calculated the payments, interest, etc. and showed that Chase has been PAID IN FULL and there is a CREDIT on my account for {$470.00}. ( based on beginning balance of {$22000.00} ) Based on the amount of {$22000.00} ( the amount showing on the itemized statement, adding the {$190.00} ) there is a CREDIT of {$400.00}. Chase is stating that I owe {$560.00}. Based on the information submitted, i disagree with this amount owed. In looking over the itemized that Chase sent me, Their statement showed several months where the FULL payment that I made was applied to the interest, nothing applied to the principal. I understand that interest is accrued daily, and computed on the principal of the loan. I would appreciate any help you can give me on this matter, as I have gone in person to the J.P. Morgan Chase Bank in XXXX XXXX, Michigan sat down with a representative with my paperwork, and she also could not help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. Experian refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached.