23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello and thank you for taking the time to help out I reached out to XXXX multiple times in XXXX and XXXX regarding my payment that processed out of my checking account yet XXXX said they never received the payment. 

I provided them the proof of payment that included the transnational ID and number and was promised they wouldve got back to me and never did The same issue occurred again and XXXX is now saying I can only process payments using a cashiers check? 

Thats unfair and suspicious as those funds can be used by anyone if lost and how inconvenient is it to get those and mail it out? Thats not cool.
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. I informed XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect.

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 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 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

I have enrolled in XXXX a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX  XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX  XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you log into Experian at us.experian.com and you already have identity protection with them through an employer paid compensation for a security breach ... .., They offer you the chance to unlock your credit. I clicked that by accident when all I wanted to do is to unfreeze my report briefly for opening a new account. 

They require you to sign up and pay money to relock your credit. That is not right when your employer already paid for the lock.
Product: Checking or savings account

Hello! 

I was a member of Chime - Mobile Banking and my account was closed on XX/XX/. I have spoken to multiple supervisors within multiple departments. They have refused and lied to me about sending a check with my remaining funds in my account. I have opened numerous ticket numbers regarding this issue. Remaining funds is {$370.00}. 

I do not have access to the email or address that is on file and I have explained this issue to them multiple times. 

Their policy states that a reimbursement check must be sent within 30 days. It is now XX/XX/XXXXXXXX  and have no received anything. They have confirmed a check has not been sent. 

Ticket numbers opened : XXXX XXXX
Product: Credit card

On XX/XX/XXXX I received an email from Bank of America about a credit card application submitted in my name and also an Alaska XXXX XXXX program. I have not applied for a credit card from Bank of America or the XXXX XXXX for Alaska XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in the 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 claim 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

Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. 
the problem is we have not received our escrow balance.
Product: Credit card or prepaid card

I had Capital One credit cards for the past XXXX years always paying on time was very on top of my credit and had very good relationship with the company I had by mistakenly made a wrong payment which turned back last month and the next thing I know is that they closed all my XXXX personal accounts including a new opened business account without any explanation or warning before I tried to solve it with the company but when I call them I was hanging on the phone one time even more than an hour they had mixed information they gave me my wife 's name on my personal account couldn't match my account to my card numbers seems like they do just throw me out from the system for no reason very scared to say that this is a decision based on race because I'm XXXX and I told them in my phone call that I'm XXXX and try to be honest, i was send from one department to another some of them were even screaming at me or not acting nice dhy didn't give me a chance to reconsider this situation I'm very unhappy and feeling all this is very unfair if we have business together and they don't share with me anything, please make sure that they didn't go over any red line that's not allowed and my rights as a customer
Product: Mortgage

We want XXXX XXXX XXXX investegated they are the servicer on our mortgage. 

Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. 

We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. 

We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. 

Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX. 

We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. 

We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. 

We want to hold these corporations accountable for the problems they have caused to our family. 

We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I wrote Experian credit reporting agency detailing several inaccurate reportings on my credit file. The company did respond but did nothing to fix any of the inaccuracies. I have the reports attached showing the inaccuracies and I am requesting these be removed according to the FCRA 15 USC 1681e ( b ), as these accounts are not showing the maximum possible accuracy, the open date, and the date last active are not accurate. They have had ample time to correct the problem and have done nothing so far. They have ignored my request for a review, avoided my request, and done everything they could to avoid fixing the problem. I would like my rights to be upheld and the continuous violation of my rights to cease. The account that am requesting be deleted for reporting false, incomplete, and inaccurate information is XXXX partial acct # XXXX amount XXXX The open dates shown are incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents The date last active is incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents. 

XXXX XXXX partial acct # XXXX The open dates shown are incorrect and inconsistent across each credit reporting agency. The date last active is incorrect, last payment dates are incorrect, the open dates are incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents. 

A collection was placed on my credit file by XXXX XXXX XXXX I disputed the account as I do not recognize this account and recently, I had some fraud and inquiries on my report that were not mine. Experian claimed they investigated but I do not believe they did anything, just like they have done nothing to investigate or ensure the accuracy of the above accounts. The original dispute number is XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they number one provide me with the purchase agreement to show full ownership and the 1099-C.
Product: Checking or savings account

On XXXX XXXX looked at acct and bal was XXXX and something cent.So called the XXXX XXXX XXXX  and said I disputed this charge. Then call the credit credit companies XXXX ( XXXX XXXX ) who said they were declined for a XXXX payment so they submitted the whole balance due and XXXX XXXX let that go thur but not the XXXX dollars. So, I told XXXX  XXXX I didnt approve that payment so they told me that it will be 1 or 2 weeks for the credit to be submitted back to my bank. Then I called XXXX XXXX back on XX/XX/XXXX because the charged me another fee of XXXX dollars and told them that its going to talk XXXX to XXXX statement cycle for the credit to be back into my acct and I disputed the charge because I didnt approve of the charge from old XXXX XXXX XXXX dollars out my acct and why would XXXX decline XXXX and not XXXX making me go into a neg bal that I dont have the money to pay and putting me in a hardship. The payment I made was XXXX dollars and being the first payment doesnt entitle them to the whole balance due on my account. I made the XXXX payment but XXXX declined it but let the XXXX. Payment go through that I didnt approve.
Product: Debt collection

I had an account with XXXX XXXX/Syncb which charged off several years ago. I have tried multiple times to pay off this account but they say that it is not collectible and they can not take payment for the account as they issued a 1099 for the account. I need this account to report a XXXX balance and from what I understand by law they have to either take payment or report this as a XXXX  balance if they issued a XXXX. I have sent letters to both XXXX XXXX  in XXXX and directly to the credit bureaus XXXX and XXXX  in XXXX, XXXX and XXXX requesting that the balance be updated to XXXX but nothing has been updated. I had also enclosed proof of the 1099. I ask that this be corrected on my credit report to a XXXX balance OR allow me to pay the balance so that it will reflect a XXXX balance.
Product: Checking or savings account

I requested a stop payment on a check sent through bill-pay with ally bank. They told me the stop payment was successful and the funds still cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how to report this complain so I chose the best one to fit my situation. I have disputed these alleged debts several times. There is one alleged debt that these two companies are reporting twice as derogatory accounts on my consumer reports. Lvnv funding & XXXX XXXX XXXX. These alleged debts are ruining my reputation as a consumer. As a natural person I have asked these two companies to validate the debts which they have not successfully provided me with this information after several attempts. Also they both are reporting this one alleged debts to many consumer reporting agencies without my written consent to do so. They are violating 3 of my rights as a consumer and also violating FCRA laws.
Product: Credit card or prepaid card

I paid of my credit card account with a settlement. I made the payment back XXXX XXXX2016. I  have the paperwork showing that i made the payment. I would like this taken off my account showing that I have not paid it.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Loan # XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX CC : Fay Servicing XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing in regards to the above loan. My loan was transferred from XXXX XXXX loan on XX/XX/XXXX to Faye Servicing..When the loan was transferred my monthly payment was {$1800.00} & We were not behind on our mortgage XXXX  XXXX XXXX  in fact transferred the last payment that we made on to Faye Servicing We did not have a negative amount in our escrow account We had been with Faye Serving since XX/XX/XXXX in that time we fell behind from XX/XX/XXXX till XXXX XXXX payment is {$1800.00} we were due for a total of $ XXXX of XX/XX/XXXX XXXX paid all payment due from XX/XX/XXXX to XXXX XXXXWe are now due for XX/XX/XXXX As of this date Ive tried on numerous occasions to reach Faye Servicing in regards to the error on the account & correct monthly payment, to no availThis correction needs to be made immediately Please see all attached documents I requested from XXXX XXXX XXXX, in regards to monthly payment & when loan was transferred Also Ive included please see attached list of all payments made amounts & dates Which will show we are not behind & have made all payments due.. 

Faye serving is insisting that we pay {$5200.00} a month without any explanation. 

From XX/XX/XXXX to XX/XX/XXXX Total amount monthly payment is {$1800.00} 4 months due of payments We paid all 4 months for a total of {$7500.00} We are due for XX/XX/XXXX Please review this account as this is an enormous error, that needs to be rectified.. 

Regards XXXX & XXXX XXXX Sent Via Email to Faye Serving Sent Via Certified Mail #
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXDOFED XXXX Balance Owed : {$1400.00} ; XXXXDOFED XXXX Balance Owed : {$640.00} ; XXXX/DOFED XXXX Balance Owed : {$3500.00}.
Product: Credit reporting or other personal consumer reports

I was recently notified that my credit score had dropped by XXXX points. Upon investigation, I learned that Experian is reporting student loans of $ XXXX for " XXXX '' and another $ XXXX XXXX XXXX XXXX XXXX XXXX. '' These are plainly and clearly duplicate accounts that resulted from XXXX 's recent restructuring. They say it will eventually disappear, but there are news articles to suggest otherwise. Experian is very quick to dismiss my disputes, saying the information is valid. Common sense and a tiny bit of care would lead anyone to realize if I had a $ XXXX loan for years and suddenly I had a nearly identical and additional amount owed ( the difference amounts to a monthly payment being reflected on the most recent, not on the older account that should no longer exist following the internal transfer ), then this can not be valid. Student loans are not taken out in XXXX XXXX XXXX XXXX XXXX  increments! But probably Experian doesn't have any XXXX-XXXX  people on staff, so this may be lost on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account on my report several times. The account with USDA rural developement was opened in XXXX. It was repotred to experian as a negative account in XXXX. I initially paid off the account and Experian still won't remove this account. It has exceeded the 7 year time frame and everytime I disupte the account they update the account as my account and move the removal date for the account to come off to a later date. Which the account has been on my report since XXXX and reported as negative on the account since XXXX which is well over the legal law of the 7 years it was to remain on there. I want this negative account removed from my experian credit report please
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below. These accounts were opened without my knowledge or authorization, and I am requesting their removal from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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