23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New Home Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inspection Date : XXXX by XXXX ( Report can be provided ) The Sellers : Investors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX., and XXXX XXXX XXXX ) The Clear to Close : XXXX ; Closing Date : XXXX ; MOVED IN : XXXX Realtor : XXXX XXXX ( XXXX XXXX XXXX ) Broker : XXXX XXXX ( XXXX XXXX ) Attorney : XXXX XXXX XXXX I NEVER RECEIVED A NYS Property Condition Disclosure! After Inspection and the Clear to close, all communication stopped. I inquired several times with the broker and was assured everything was fine. Three hours before the closing I WAS DELAYED an entire month. 

I was told the two investors selling the home were in litigation with one another and were not in agreement on terms. I was told many sellers do not want to work with the VA, and inventory for homes was low, so since the items were not outstanding, and I was already clear to close I should just get it resolved while living there. 

I feel I was intentionally coaxed by the broker to close with obvious serious flaws and other and the little info I had, I now live here, and the items I've had to deal with are very much outstanding and major. 

It seems every corner possible was cut or work done improperly or not at all. I need to know specifically WHO the two investors are and what work they did or, rather, what work they did not do so I can begin to address them. 

On XX/XX/XXXX, I received a text from an XXXX who was referred by the attorney informing me about violations on my home before I owned it. 

Currently, I have fixed several things in the home, and I haven't even unpacked any boxes. Many of my belongings are destroyed due to water/waste damage from the sump pump cesspool overflow into the basement and tub. 

I have many emails and text chains of my attempts to get answers from the broker, sellers, and/or attorney. 

Realtor : XXXX XXXX ( XXXX XXXX XXXX ) Broker : XXXX XXXX ( XXXX XXXX ) Attorney : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.
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. Account XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I deposited XXXX btc with coinbase, and now my account is disabled. Ive reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why Im not able to access my BTC or even login to my account! I want an explanation and resolution NOW
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found that my name appears to be misspelled on my credit report with some variations of my name, I only have one correct spelling, and there should be no variations listed because my name has no variations. Copy of my driver license and military ID are enclosed to show the correct spelling of my name and as proof of identity and address. Once again, to make the process of deletion easier, here are the incorrect spellings I seen listed :
Product: Checking or savings account

I noticed on my credit report that there are a few bank accounts opened up in my name. I have called these places and they won't help me because I don't have all the information these were opened up in XXXX
Product: Bank account or service

My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting old information in which according to FCRA are old accounts and they can be update from my credit file. I requested via fax again for the updating of the old creditors and the old account haven't been updated. This is the account in which I am asking to be updated from my credit file XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. I am no longer liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last one on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXXXXXX XXXX
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 XXXX XXXX XXXX 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 credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A company called Williams and fudge in XXXX is claiming to be a XXXX XXXX debt collector on tuition that Ive already paid. The call daily.
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. They 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: Debt collection

I reached out to the company and the company is close and has been close for almost 4 years now. I reached out to the better business bureau in regards to this debt and they also received several complaints regarding the same issue coming from other consumers. stating that they too received debt collection phone calls and letters regarding that they owe amounts that was not theirs. Its showing negatively on my credit report as a collection and I never had a debt with this company. The original Creditor is XXXX XXXX XXXX XXXX. Its currently trying to be collected by central collections. The date opened is XX/XX/XXXX XXXX and the amount is XXXX.
Product: Credit reporting or other personal consumer reports

All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX  This account does not belong to me. 
XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen unauthorized items on my credit report that I did not authorize this is a form of identity theft someone is applying for things in my name can you please resolve this issue. 
XXXX XXXX XXXX XXXXXX/XX/2020 LENTEGRITY XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call this morning, XXXX XXXX on XX/XX/XXXX, from a XXXX with Ad Astra Recovery Services Inc. She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through Speedycash.com. I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from XXXX XXXX XXXX to have anyone published at all.
Product: Credit reporting or other personal consumer reports

Formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ). This complaint is in regard to a derogatory " late payment '' remark that was added to my consumer credit report on three different accounts, despite the fact that the furnisher of the information did not provide the required notice before reporting this late payment. 

On XX/XX/year>, I disputed the adverse information with TransUnion, providing them with clear evidence that the furnisher had violated the FCRA by not notifying me of the late payment before it was reported. However, despite my dispute, TransUnion has failed to remove this inaccurate and illegally furnished information from my credit report.

According to Section 623 ( a ) ( 7 ) of the FCRA, furnishers must notify consumers before reporting late payments or other adverse information to consumer reporting agencies. In this instance, I was not notified, and TransUnions failure to act on my dispute is facilitating the violation of my consumer rights. 

I am requesting that the CFPB take action to investigate this matter and ensure that TransUnion is held accountable for allowing inaccurate information to persist on my credit report. I also seek the removal of this derogatory remark from my credit report, as it was furnished in violation of federal law.
Product: Credit reporting or other personal consumer reports

I have requested repeatedly a copy of contract requesting services. I only receive a copy of a bill or dates are changed/updated. I request verification of the account creation and have not received anything but a copy of a bill for services I have not requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( XXXX ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

im filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate without providing me 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 XXXX actions may contravene the consumer financial protection act ( cfpa ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as high XXXX XXXX  in cfpbs rescent administrative proceedings ( XXXX XXXX. XXXX-Cfpb taking action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my XXXX and Equifax reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with XXXX and was advised the information they are reporting is correct. I have received zero information from XXXX or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that XXXX and Equifax have allowed on my credit.
Product: Credit card or prepaid card

I transferred over the entire balance of my other CC to Citi XXXX XXXX XXXX after an attractive introductory consolidation rate and after having an issue with a returned payment from my XXXX XXXX account, Citi has shut down access to online and app based banking features making visibility into the cards balance as well as ease of access to make payments near impossible. Do to their global team of customer services reps who don't understand or can communicate complex questions or issues in basic English they were of little to no help. After calling 5 times and eventually getting transferred the US based AE at CITI they proceeded to put sole responsibility into the determination of the account into there " Back office operations, ' and when it came to process of filing an internal complaint about the account closure they were only able to give me a XXXX XXXX in South Dakota with XXXX insights into who the make the letter in attention to and how to word or phrase my concerns to be addressed.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX  under the account number ( XXXX ) and XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Student loan

I snail mailed Navient my tax return in XXXX for XXXX and XXXX, along with a filled out income driven repayment request form. I finally reached somebody who took my information, told me my loan was good until next XXXX with my income. They had received a copy of my XXXX ( on file ) yet while the XXXX was in the same envelope, they did not. I have sent this information several more times, to receive an email today.
Product: Credit card or prepaid card

I have received a credit card from Navy Federal Credit Union, for {$10000.00} I have been paying my bills every month and pay over my minimum amount. Ive been paying on this credit card for a period of almost XXXX. I just received my monthly statement and my balance was {$8800.00} after XXXX years and u only given me XXXX XXXX dollars, I was about to lose my mind! Wheres my money going to my balance should be lower than this, they informed me they are charging me {$40.00} a day for getting advance cash of the credit card. What Im paying close to {$30000.00} once Im finishing paying for {$100000.00} theyre going crazy and XXXX like to file a suit for mental anguish and stressing. 

RESPECTFULLY SUBMITTED XXXX XXXX
Product: Credit card

AFFIRM INC, you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late.