23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXXXXXX XXXX Date Opened XX/XX/2022 Balance : {$170.00}
Product: Checking or savings account

Two fraudulent accounts were opened under my name within the last year at BOA. Both times, I stated that I believed this was being done internally, as there was no login to my account and my contact info was changed without any email notification. I complained through the CFPB about BOA, and in response, XXXX XXXX of BOA contacted me, chastised me for filing a complaint, and said BOA was considering all options in response to my complaint. As a lawyer, I recognized the threat in what she was saying. XXXX XXXX gave me her contact information to follow up with BOA on its investigation into my complaint, but since that time, she has ignored 4 calls and 3 voicemails that I left her looking for an update. So Im filing a further complaint against BOA and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am formally writing to 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 adequately. They informed me that recovering funds was impossible and that tracking this 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 lasco of accountability and transparency is unacceptable and raises serious concerns about consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$600.00}
Product: Mortgage

My refinance with Freedom Mortgage started XXXX XXXX, XXXX and was on schedule to close by XXXX XXXX, XXXX. XXXX XXXX contacted me with a notice of incomplete application on XXXX XXXX, XXXX and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the XXXX, I was told I could get a 15 year loan and only pay {$25.00} more than what I am paying now, which turned out to be a total lie, and emails back and forth between XXXX and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to XXXX, and my email was not working properly and I was not given any other alternative to try to get the documents to her. Her assistant XXXX was short with me and would not originally give me XXXX email address and I had to call the following week, XXXX XXXX, XXXX, and get it from someone else. Around XXXX XXXX, I had no update on my loan so I called and complained and my loan was transferred to another officer. The importance and ins and outs of a couple additional documents needed that I knew nothing about, were explained to me. However, now on XXXX XXXX, XXXX, I receive another notice of incomplete application stating that we need to " post XXXX payment to satisfy aging requirement ''. I left a message with the loan officer because if that means we have to pay XXXX AND XXXX before we can close, this is ridiculous. We have NEVER missed a payment on our mortgage. We had to cancel our XXXX vacation because we were looking forward to having that skipped mortgage payment, and were hoping to take the vacation in XXXX, the only other month we can get away this year, and now they are pulling this? When we refinanced in XXXX, it was fast and easy. This has been a nightmare, stressful, dissapointing, and angering. I believe XXXX and XXXX 's attitude and lack of care, help, and concern have ruined our chances of getting this refinance done in a timely and orderly manner.
Product: Payday loan, title loan, or personal loan

I reviewed my credit report and I was a victim of identity theft.I wanted to make sure that this account was valid so I disputed this information on a number of occasions. I have had a Conns account before but that was in XXXX and it was paid in full.An account was still showing up after I disputed the information as valid. So I called the number that was on my credit report. When calling that number I talked to a XXXX Named XXXX operator XXXX. I wanted to make sure the information reporting was truly my debt or part of identify theft. When calling they told me that the name that was used was not my name. They used a different name. It was also at an address that I never resided in. He also told me that the debt was sold back on XXXX To a XXXX XXXX. I then asked him why did is show up on my credit report as conns. If the debt was sold how was if verified? He stated he did n't know that in his system they could not verify anything because they have nothing in their system but basic info.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX XXXX, and Experian, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.
Product: Debt collection

Received debt from collection bureau of america, stating i had a ticket from XXXX, I paid the full amount to not have any issues since I have good credit. Company refuses to email/fax or mail letter stating that bill was paid in full and account closed. Called company several times with a lie being told that they have email letter, but never receiving it, company took the money but wouldn't provided an proof stating that account is closed and paid. Attached letter from company with confirmation number showing that payment was made.
Product: Debt collection

Collection company LNVN funding is reporting a debt from XXXX XXXX XXXX  that hey purchased and reporting it as new debt and reporting late payments on my credit report.s to them. it is not my account and they have never solicited payment from me but are reporting monthly late payments on my credit reports. reported that on XX/XX/2015 i opened n account with them which is false.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.
Product: Debt collection

I had a loan with XXXX  and they wrote the loan off when i could not pay it and did not put a negative on my Credit Report. NCB Management Services bought the debt from XXXX and tried to collect from me. The time had expired when XXXX  could put this on my Credit Report, but after attempst to collect, NCB Management then dumped the bad report on my Credit Report last year and has until XXXX to come off. It is illegal for them to put this on my Credit REport and start the debt all over, because XXXX had already written it off and now we start 3 more years. I filed with XXXX but they are useless. I need help to get the faudulent charge offf my credit report.
Product: Mortgage

My mortgage with Suntrust Bank was sold off to another company in XXXX this year. I am trying top refinance but the data Suntrust supplied to the credit reporting agencies was missing or not complete. I called Suntrust weeks ago and asked for a 5 year record of my payments on my mortgage ( #  XXXX ) and was told they would only mail it. It's been a couple weeks and I have received nothing. I aske if the could email it but that wasn't an option. This is holding up my loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 An unlawful inquiry was put on my report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ordinance of the fair credit reporting act XXXX  account # XXXX, has violating my rights. 
15 USC 1681 section 602 state I have the right to privacy.

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

15 USC 1666b ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

The claimant lost the total amount of {$49000.00} ( $ XXXX XXXX ) paid as downpayment and closing cost on XXXX # XXXX, unduly foreclosed by Wells Fargo XXXX XX/XX/XXXX. The Wells Fargo failed to provide payments coupons and total outstanding mortgage balance to the claimant. The claimant was Joint Borrower ( JB ) of the loan with his former wife as per attached exhibit # 1 page XXXX, remaining pages are available upon request, contents of which is self-explanatory On XXXX XXXX XXXX day of DEATH of former wife at overseas XXXX XXXX XXXX the claimant notified by phone to Wells Fargo Home Mortgage Loan department and requested to provide payment coupons and outstanding balance of mortgage loan to the claimant. At time of death the mortgage payment was satisfied until XX/XX/XXXX, No late payment was due. The original telephone request followed by written request as per attached copy of fax marked as exhibit # XXXX. No response received. After receiving copy of Death Certificate from Public Notary Office of Birth and Death Registration from XXXX a copy was forwarded for their record. Later served XXXX papers to proceed with PROBATE case.as per exhibit # 3 pg 1/2. No response is received. They followed the Foreclosure procedure as per exhibit # 4. This is clear evidence of their malicious and intentional behavior to harm the customers in violations of unethical business practice to increase their profits and deprive/refund the claimants rightfully amount paid. After reading on news media, the claimant on XX/XX/XXXX, contacted by phone to Wells Fargo to verify if the claimant was included on the list of receive settlement reach with you. Their customer service representative could not confirm and stated that not all foreclosed borrows are included in the settlement. Beside above mentioned, the claimant suffers losses of {$94000.00} in martial settlement due to her XXXX XXXX. All this money could have been recouped with the value of the property, only if Wells Fargo provided payment coupons and outstanding balance to the claimant in due time as requested. Their malicious intent drawn the claimant into poverty level. It is patent and behavior of Wells Fargo, NOT TO ATTEND the customer request WHEREFORE, this complaint is filled with you as Entity of consumer advocate demanding the claimants should be refunded the total lost money.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inquiry I dont recognize and did not apply for. I did not authorize or consent to this company accessing my credit report, and it's causing me considerable stress and XXXX.
Product: Debt collection

I have contacted this company by mail several times and have attached all letters below to show all proof of what I am asking for and nothing has been to me. Letters were sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, XXXX XXXX is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified from Equifax that my information was compromised and I am requesting that XXXX credit inquiries be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I am 30 days late in XX/XX/2023. I have paid ON TIME for the month of XX/XX/2023. I have called XXXX FOUR times to try to fix and rectify this problem but have been transferred to mulitple departments. I have even requested to speak with a manager when I spoke with the representative XXXX, and was denied the transfer to the manager. If you look at my account history, you will see that I have NEVER been delinquent or 30 days late for any of my payments. Please remove and update that payment for XX/XX/2023 as ON TIME for ( XXXX ). If this is not removed in a timely manner, I will report with the XXXX XXXX XXXX, and have my attorney a filing for a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was fraudulently made in my name by XXXX XXXX XXXX XXXX on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed the account attached from my file as I have no recollection of who XXXX XXXX XXXX is. I submitted the disputes and no action is corrected
Product: Credit reporting

I am a victim of id theft. I sent a request to the credit bureaus for a security freeze to my credit with a copy of all my required documents. Equifax did not freeze my credit. I also disputed fraudulent account from XXXX and several inquiries with XXXX, XXXX and XXXX XXXX XXXX XXXX They should have deleted these inquiries and account and sent me a new credit report. They did not update my credit report and send it to me
Product: Debt collection

Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.
Product: Credit reporting or other personal consumer reports

Experian is reporting non mailable addresses and fraud inquiries on my report. I have asked for these things to be removed and uploaded the Identity theft report as well. I will be seeking damages for the violations of {$1000.00} a piece. I want these items removed.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

We are being charged interest rates on medical bills. 
XXXX XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX amount XXXX XXXX XXXX XXXX XXXX about XXXX interest XXXX fees XXXX amount XXXX Other creditors amount XXXX interest XXXX fees XXXX amount XXXX From everything I've read it's not legal to charge interest on medical bills because interest was never written in the original contract. When i asked why they were charging interest on medical she told me they were allowed to do that as a 3d party debt collector. I don't have exact dates but the statement date i have here is XX/XX/2019. I have been paying on this for maybe 2 years {$50.00} every other week..did n't look at statements because their amounts were high and figured it would take awhile. I was told the money goes to principal then they get there interest after. Thank you
Product: Bank account or service

Navy Federal Credit informed me that XXXX from Security put restrictions on my account leave with no access to my account please he question my membership when my daughter XXXX XXXX referred to the bank and per membership you need have immediate family in order to join. When I open the account my daughter confirmed that I 'm here mother. Please explain when do membership and security have the authority to put on a member account that has XXXX XXXX Direct Deposit into my account. Please explain if Navy Federal as that authority to do this is that part of Federal Regulation.
Product: Debt collection

Data Central Collection Agency has refused to properly notate a debt which has been discharged in bankruptcy, even after being provided with proof of the bankruptcy discharge more than a year ago by XXXX. I 'm not sure where to report this, but they held several different medical debts in my name, and XXXX continues to haunt me. It should n't be like pulling teeth to get ALL of these accounts properly notated, and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX