23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy XXXX 2. XXXX XXXX 3. Inquiries XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Mortgage

On XX/XX/XXXX we applied for a cash out refinance on our vacation home in TN. We applied with Amerisave. Our XXXX XXXX reflected a mortgage of {$230000.00} with a locked in interest rate of 3.125 % snd with loan origination charges of .134 % plus an application fee of {$500.00}. 
The entire process of submitting documentation has been horrendous. We would send documents and receive verification they had been successfully downloaded but then would receive a message saying they had not been received & that our loan application was in jeopardy. The loan originator whose signature was on those emails would tell us that the threatening emails had not been sent by him and were in error & to ignore them. 
Finally, we have reached the point of getting near closing. On XX/XX/XXXX, we received the Closing Disclosure. It reflected wrong terms- the loan amount and the origination charges were totally wrong and on the Change Circumstance sheet it stated that we the Borrower had requested a loan decrease and that Loan Discount had changed without any explanation. We were totally frustrated with the loan originator & processor at Amerisave we had been dealing with & requested the name of a supervisor. We were given the name of XXXX XXXX and we emailed him & made him aware of these errors. On XX/XX/XXXX, he apologized and we then received a Closing Disclosure in the correct loan amount but with loan points of .759 % instead of .134 %. The same day, we immediately contacted XXXX XXXX and he replied saying he was looking into it and that we should receive a response by the next day. When no response had been received the next day ( XX/XX/XXXX ), we emailed him again. We received an automated email reply saying he was out of the office. We sent another email on XX/XX/XXXX reminding him that we expected the corrected Closing Disclosure by the next day. Today, XX/XX/XXXX, we still have not received any corrected Closing Disclosure. XXXX XXXX called this evening around 6 pm and left a voice mail while we were eating dinner and his message was " he wanted to touch base so we can see if we can figure things out so we can get on the same page ''!! We called him back but received his voicemail. We followed up with an email saying that if we don't receive a correct Closing Disclosure by XX/XX/XXXX, we are withdrawing our application. We would like the return of our application fee of {$500.00} since Amerisave has failed to fulfill a loan according to the terms that we applied for. Most importantly, no one should go through the mistakes that have been made by Amerisave throughout this process. We have had countless mortgages through our sixty plus years and have never encountered anything like this experience.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report. Kindly help me remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to unfreeze my minor children 's credit files since XX/XX/XXXX. I originally submitted all the required paperwork in XX/XX/XXXX via fax. I called to check on the status and was told they threw the paperwork away because it was " too light '' ( no one reached out to me to tell me this ). I refaxed the paperwork and mailed a hard copy. I was given a confirmation number over the phone that the freeze was temporarily lifted until XX/XX/XXXX. When we went to the bank to open checking accounts, the bank was told the accounts were still frozen. I called Equifax back and was told that they couldn't find ANY paperwork this time. I sent all the paperwork via fax and mail AGAIN ( this was in XX/XX/XXXX ). Then I was given confirmation numbers that the freezes were permanently lifted. We went back to the bank. We were still unable to open checking accounts because Equifax told the bank the accounts were frozen. I mailed paperwork AGAIN in XX/XX/XXXX. Today, XX/XX/XXXX, I was told they do not see that paperwork anywhere. I was told they can not even access the accounts to see if the freezes are in place or not without the paperwork since the kids are minors. ARE YOU KIDDING ME??? How many times do I need to fax/mail this paperwork with all of my children 's sensitive data?? This is the most inept organization I have ever had to deal with! All I want to do is unfreeze my kids credit long enough for them to be able to open their own bank account. It should NOT be this hard!!!! I had no trouble with the other 2 reporting agencies. Why is Equifax so horrible?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted to Barclays Bank Delaware via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of the applications as requested in my letter. Instead they stated " we were able to verify the information include on the application including the social security number, date of birth, phone numbers and mailing address using public records. '' In my XX/XX/XXXX letter sent certified mail, I asked that if they were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, the company chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. 

As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or  more consumer reporting agencies.
Product: Debt collection

Relieved a letter stating they are suing for unpaid balance belonging to XXXX. A laptop bought in 2021 while residing the state of Texas. I now live colorado and have been sued and have my wages garnished. The court hearing was expected on the thought it was only a scare tactic and not a real court document. Did not know how to check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Product: Debt collection

I see on my credit report that Jefferson capitol systems is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to Jefferson Capitol systems. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract.
Product: Credit card or prepaid card

They refused to process the application but they still ran my credit. I want both inquiries removed asap. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

There is illegal activity on my report. I would value if you would please submit a complaint against against the companies that are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit reporting agency never removed it off my credit report i have a letter from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry Fraud from Synchrony- TJX to XXXX XXXX. XXXX Reference # XXXX Reference processed code # XXXXXX/XX/ & XX/XX/XXXX I, XXXX XXXX XXXX XXXX ( DOB XX/XX/XXXX ) sent a letter and called Synchrony- TJX bank on XX/XX/1XXXX  andXX/XX/ in regards to a fraudulent billing inquiry. I informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus. However, XXXX is requesting a copy of this report so they can remove this fraud inquiry from my account. I then followed up with Synchrony and asked them to send me proof that they did send a report to transunion on XX/XX/XXXX and they asked me to send a letter to the fraud department. I never received any evidence so I called both XXXX and Synchrony bank today XX/XX/XXXX. Both have provided no results and have done nothing to remove this inquiry.
Product: Money transfer, virtual currency, or money service

I believe there was a transaction that was made and I didnt make it. There was a Zelle payment of XXXX. I dont remember vividly, but I do recall a loss of funds. I just had a lot of financial family issues happening at the time I believe, so I couldnt prioritize resolving this, neither did I know who to contact.
Product: Checking or savings account

I attempted to call and inform the fraud liaison with the US Bank that a transaction took place on XX/XX/XXXX of XXXX  that I was unaware of until tonight. On XX/XX/XXXX of XXXX  there was a withdrawal at a US Bank ATM, the XXXX XXXX location in XXXX XXXX XXXX  for {$2000.00}. At this point, I understand that theyre not willing to give any money back or provide much information as I was hung up on XXXX times. I just believe that any and all information pertaining to my identity theft, and the fraud thats taken place over the years is important for me and probably for them as well. I would just like to know why the fraud department would not want to talk to me about this and or investigate the matter, as its such a large withdrawal. The reason XXXX dont think it was me because I was in XXXX at the time.
Product: Debt collection

I am having problems with Midland Funding LLC reporting a debt on my consumer credit report stating I owe {$640.00}. I have never had an account with the company they say the debt is from ( XXXX XXXX XXXX ). I have attempted to resolve this matter via certified letter in XXXX 2016, XXXX 2016 and XXXX 2016. I  have requested proof of ownership of this debt ( such as a signature on an application, proof of payment from my bank account, etc. ) The company has yet to provide this information and has only sent me a old statement showing it was written off by the original company. This is not my account and the company refuses to provide me with valid proof of the debt.
Product: Debt collection

CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOTICING SEVERAL INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE
Product: Consumer Loan

I needed a loan to help with my finances and got one originally with XXXX XXXX. They then sold the loan to XXXX XXXX, who in turn sold it to Cash Call. XXXX XXXX has now ceased operations, and Cash Call is not licensed in the state of Tennessee. While I was aware of the financing terms upon taking this loan, I was not aware it was not licensed in my state. I was also not aware of usury laws and limits on percentage rates for loans. In looking up cases involving these companies, XXXX XXXX tried to use the affiliation with a XXXX as a way around these practices, but as shown when the CFPB sued them ( see attachment ) this did not exempt them from state laws.
Product: Debt collection

The company returned an email saying that I was no longer in their records.
Product: Credit reporting

they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.
Product: Student loan

I've been attempting to make payments towards my loans since XX/XX/XXXX on my loans and even scheduled the payment for after the pause ended for the pandemic and Aidvantage keeps reversing my payments. I've used debit cards with maxed out withdrawal limits and savings account wires and both are being reversed. My last payment is now considered late and I'm being charged for being late. 

I've attempted payment on these dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, {$630.00} XX/XX/XXXX, {$630.00} XX/XX/XXXX XX/XX/XXXX, {$620.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX # XXXX This account have multiple inaccurancies ... from my understanding by law this account must me 100 % correct it showing it has a XXXX dollar available credit ... How can that be when this account is closed? 
Please delete
Product: Credit card or prepaid card

An appliance I bought on my card is poor quality. The legs of the refrigerator can not stand the weight of the refrigerator. 

I filed a billing dispute with my credit card company, JP Morgan Chase. In violation of 15 USC 1666i, Chase  has still have not removed the charge. 


XX/XX/2018 THE XXXX XXXX {$740.00}
Product: Checking or savings account

Truist 's entire system is down and is not allowing me access to any of my money and the wait time on the phone is over an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  XXXX  acct # XXXX, has violated Has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604A 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 purpose.
Product: Student loan

I have filed multiple complaints against osla concerning student loans on my accounts I have requested information containing these accounts that a negatively impacting my credit reports I cant get no credit because of inaccuracies with dealing with this collection I dont have a copy of any contract agreement payment terms or any information that I would need I have contested this debt numerous of times and all I get is the same reply Department of education says we cant release information about your loan but the thing is I dont work for the department of education or osla I have rights that are being violated for sure you cant deny me access to information concerning a collection that is placed on my credit report the department of education hasnt confirmed this aligation of not releasing information and by law can not deny me information about an account associated on my credit report if this is the case then if they arent presenting verifiable information then you must remove the account thats FCRA my right to contest any inaccuracies or unverified information which they are stating that they are not denying or confirming any debts at this moment it must be removed
Product: Student loan

In XXXX, I took out a XXXX XXXX XXXX with Navient. I deferred payment until XXXX. Since XXXX, I have repaid my loan without lapse or default. Monthly payments range from $ XXXX per month due to a variable interest rate. In XXXX, my loan was originated for {$15000.00}. Today, despite over {$29000.00} in faithful monthly payments, I still owe {$20000.00}. Something about this math does not make sense to me and feels usury. I believe they packed the interest payments for the entire loan at the beginning and I'm just now beginning to pay of principal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particulary 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 and that tracking these transactions was unfeasible The CFPB 's finding indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.