23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has come to my attention that equifax will no longer be giving consumers their rightly owed money, as a matter of financial practicality. I believe that not only is this immoral, but that the FTC and other consumer representative bodies should step in and further penalize equifax. This is primarily the case for three reasons. One, consumers never co wanted to the financialization and indexing of their habits by way of banks and other parties interested in exploiting them. Credit scores, credit ratings, and other abstract instruments are tools of an oppressive capitalist class and do not protect our interests. Second, it is also the case that consumers have been robbed of their privacy because of equifaxes gross negligence. Finally, workers have seen no real wage increases and thus, rather than opt for protection they wanted cash. This need for liquid assets is directly linked to speculative markets and the creation of new debt mechanisms which equifax and their ilk directly profit from by collecting interest from already strapped consumers. So pretty please, with sugar on top, do your XXXX job.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I answered a promotion for trading in our phones for newer ones. After an hour and a half we found out that XXXX would not put the value of our phones in the contract so we stated that we would look elsewhere. We did not sign a contract or commit to anything with either XXXX XXXX  or XXXX XXXX XXXX. Later that day the XXXX XXXX sales person called and stated that she was not able to stop shipment of XXXX phones ; but she did cancel the account being set up. She ask would I ship the phones back when I received them She had been courteous and professional with us and I said I would.I received a package from either XXXX XXXX  or XXXX XXXX XXXX about XXXX or XXXX days later. I did not open the package and took it to the XXXX XXXX  store and they would not ship it back. The next day I took the package to a large XXXX XXXX XXXX store. I took an hour in the Que before I was waited on and they told me to take the package to the XXXX store in XXXX XXXX and they would ship it back in the special program set up for this. About a week before I had shipped XXXX pieces of equipment to XXXX XXXX XXXX when they would not set up and get wifi and TV equipment running in my home. About a month or XXXX I received a bill from XXXX XXXX XXXX for {$790.00}. I had not signed a contract with XXXX XXXX or XXXX XXXX XXXX so I did not pay it. About a month later I receive a letter from XXXX XXXX XXXX, XXXX XXXX Mi stating that they would be collecting {$790.00}. 
I wrote XXXX back stating that I did not sign a contract and had in writing from the XXXX XXXX sales person the deal was not consmate. That I did ship the phones back as requested. They requested shipping receipts and I sent copies. They still billed me. I ask for a contract with my signature and which credit card was charged. They sent me a phone installment plan not a contact and the signature on it was forged.I replied back that what they sent was not a contract and that it was not my signature. They still persist in billing me but they won't bill a credit card so I can fight this. So far my credit score is still XXXX with XXXX and XXXX but XXXX went to XXXX and then to XXXX and something. Can you help me ; I will send copies of everthing I have discussed. 

please help me.I am XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm filling a complaint because I have an XXXX XXXX account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called XXXX XXXX and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by Experian has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.
Product: Vehicle loan or lease

I am done paying off car I have the pink slip in my possession yet Capital One continues to try to collect money even though I am in possession of the pink slip making me the official owner of my car they are aggressively violating my rights by trying to collect on a debt that is paid off in full they are trying to nibble and get thousands more.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Validation of Debt under 15 U.S.C. 1681 and Fair Credit Reporting Act I sent them this.

I am writing to formally dispute the accuracy of the information associated with the debt listed under my name and to request validation of this debt as stipulated by 15 U.S.C. 1681 under the Fair Credit Reporting Act. 

On [ insert date you originally sent the letter ], I sent your office a letter requesting validation of the debt, including a detailed payment history and a copy of the signed contract which purportedly obligates me to pay this debt. To date, I have not received satisfactory proof or validation of the said debt. 

As mandated by federal law, specifically 15 U.S. Code 1682 and 15 U.S.C. 1681, your agency is required to accurately and fairly validate the information before continuing to report such debt to any and all credit reporting agencies.

Please provide me with the following : 1. A copy of the signed contract that legally binds me to pay the debt. 
2. A complete payment history on the account, starting from the date the debt was incurred, detailing all payments made and charges assessed.

3. Any additional documentation or evidence that substantiates the validity of the debt.

Until these requirements are satisfied, I request that this item be removed from my credit report, as reporting inaccurate or unvalidated information is a violation of the Fair Credit Reporting Act.

I expect your diligent cooperation and response to this matter within the 30-day time frame set forth by the Fair Credit Reporting Act. Failure to comply may result in legal action including, but not limited to, a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate state or federal agencies. 

Thank you for your urgent attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Employer - XXXX  XXXX  XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A 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 and purpose.
Product: Mortgage

Truist was handling our loan for a new home, they were provided all paperwork requested in less than 24 hours of their request. They were provided all documentation proving origin of our funding, family intentions of funds being a gift and provided access to all financial accounts related to our funds. On XX/XX/2021 we received a call that our loan has been cancelled and that our paperwork was not proper. All paperwork was provided from them directly. Our loan officer advised us that their fraud department had gotten involved and that we were flagged for fraud and they could not help us. This was less than 24 hours before we were scheduled to close on a home we had already spent almost {$30000.00} to secure and could now be in breach of contract. We had reached out several times to the loan officer and the underwriter and we're reassured every time that everything was just fine. They requested we pay off our current mortgage with gift funds from our family as we " could not carry both '' and have since learned that not only was this a lie this is most likely what triggered fraud and caused the issue. Additionally we had to FIGHT with them to receive our appraisal for the home. This is an appraisal we paid for, to this date I do not believe they have provided appropriate documentation for it.
Product: Checking or savings account

I opened a checking account with MoneyLion on XX/XX/2019 to take part in their 'pave the wage campaign which offered a bonus of 17 % of your direct deposit ( Up To {$590.00} XXXX after opening an account, opting in and maintaining direct deposit for 90 days. I opted in through money lion app and have setup a direct deposit though my employer since then and has been receiving it in my MoneyLion account for last 5 months. Even though I have met the terms for bonus, I have not received it. So I called MoneyLion customer service on XX/XX/2019 about this and the agent verified that i have qualified and he is going to escalate this case to a supervisor. I did not hear back from MoneyLion for 3 weeks and so I called again today, on XX/XX/2019, and was told this case is still pending for escalation and they do not have an ETA on when this will be resolved and I will get my sign up bonus.Please look into it so that Money Lion will honor original terms of promotion.
Product: Mortgage

The senior loan officer assigned to my refinance leaves much to be desired regarding his professionalism and customer service. When I ask him to give me a call because we are not aligning on a request that he's made where I think it's duplicate because I've furnished everything as he requested, he refuses to call. When I ask to withdraw my loan because I don't feel as Carrington Mortgage wants or values my business, he replies with 'It 's up to you, let me know ', confirming my suspicions. I feel that I have to chase him down to get this loan to close and I've already had my credit pulled and paid for the appraisal.
Product: Mortgage

I created access to their loan servicing portal - connected my loan and then chose paperless. I keep receiving messages that I have new documents to view. However, when I go to sign in, it brings me back to the old cmg mortgage portal and asks me to connect the mortgage ( again ) which despite having done before - I have tried every which way avialable and each time- it circles back to the same start screen - the useless dashboard that does not allow me to view documents or make payments or... ANYTHING. I have emailed them back several times since this started. I have now been on the phone for over an hour and can not access my loan servicing portal or documents that I am supposed to be able to view online- which I assume are important or they wouldn't be sending them. They have offered no reason as to why the portal, when updated, wasn't converted such that consumers could continue to access the " new '' portal or the updated system- and they have not provided a solution to me being able to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account
Product: Credit reporting, credit repair services, or other personal consumer reports

orting act XXXX Account # XXXXTruist has violated my rights. 

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

15 USC1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Chime telling me that my card was added to a new XXXX XXXX XXXX they asked was it me I said no. At this time while on the phone with a Chime Customer Support Agent I noticed two unauthorized fraudulent charges as I'm talking to the agent another charge comes through and the agent then canceled my card reassuring me I would get my money back, well its been over a month I've filed over twelve disputes and they keep denying them refusing to give me my money back.
Product: Debt collection

I stayed in XXXX XXXX, XXXX, NJ, from XX/XX/XXXX - XX/XX/XXXX. 

My father in XXXX had passed away in XX/XX/XXXX. Therefore, I had given 2 month ( 60 days ) vacate notice, as per my discussions with the Property Manager, and the General Manager at XXXX XXXX. 

Since my father in XXXX had passed away suddenly, and in order to attend to the remaining activities, and take care of my mother, I had moved to XXXX the end of XX/XX/XXXX. 

After returning back to the United States on XX/XX/XXXX, I had found to my disappointment that the XXXX XXXX XXXX, had incorrectly reported to the NATIONAL CREDIT SYSTEM, that I had not paid the rent from XX/XX/XXXX - XX/XX/XXXX, in the amount of {$6600.00}. 

Immediately, I contacted both the XXXX XXXX XXXX, AND THE NATIONAL CREDIT SYSTEM, to remove this collection amount that was incorrectly reported to ALL THE CREDIT AGENCIES such as XXXX, XXXX, AND XXXX, that I did not owe. Despite several requests, and in person visits, they neglected my pleadings, and threatened me that I owe the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account on my credit have been reporting the wrong amount and is incorrect on my credit report causing me not to be able to get anything with me credit, and the amounts are wrong on this account. The account was removed off my report then added back at random dropping my credit score 79 points attached is my credit report with the account removed and a screen shot of the account re added to my report dropping my score 79 points
Product: Mortgage

In XX/XX/2019, we experienced a financial hardship and we worked with BBT Mortgage company to make partial payments to insure we did not fall behind. 

In XX/XX/2019, we were advised that our Mortgage had been transferred to XXXX XXXX XXXX company. XXXX immediately placed us in a delinquency status. XX/XX/2019 we made contact with both XXXX and BBT in an attempt to get the two of them to speak. This was unsuccessful. BBT XXXX XXXX at XXXX told me " you are no longer our customer we can not help you - you must work with XXXX . She went on to say They have to work with you! '' I called back to XXXX and spoke with their representative XXXX. She told me that if I faxed over a request for account review XXXX should be able to get a payment history from BBT. I faxed this letter copied both XXXX and BBT requesting an audit/payment history. 
On XX/XX/2019 we received a certified letter from XXXX stating intent to foreclose. XX/XX/2019 we contact XXXX again speaking with an XXXX in loss mitigation we attempted to make a payment arrangement and advise we would pay {$1200.00} ( full loan payment amount ), he refused to accept it. Told us that they will not accept anything but the full amount of {$4300.00}. Explained we do not have that and again went through details showing we are not behind. This was to no avail. We provided financial information to XXXX to see if we could qualify for a payment plan to catch up ( even though we still believe we are not delinquent )! He said it will be reviewed we may or may not be granted approval. Said it was likely not going to be approved because our finances are too tight! 

I am unaware of anything else I can do but to reach out to every resource possible to get someone to clear this up.
Product: Mortgage

Roundpoint Mortgage recently took over my mortgage loan. On at least XXXX occasions they sent me threatening letters saying they have not received my payment and on the this occasion ( XX/XX/2025 ) they charged me a late fee. The payments are mailed automatically from XXXX on XX/XX/XXXX, to be delivered by XX/XX/XXXX, every month. It appears to me Roundpoint does not have the capacity to receive checks and cash them in a timely manner. Or deliberately slow walks them at which point I am charged a late fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's Handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle filed to investigate my claims adequately. they informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items 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 regards 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 items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps saying that the home was not discharged in XXXX XXXX which it was per the BK Discharge and XXXX XXXX XXXX own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.
Product: Checking or savings account

On or around XXXX PST on XX/XX/XXXX, I deposited XXXX $ into an atm located at the San Diego Credit Union for it to go into my checking account with XXXX XXXX XXXX. I contacted the employees inside and they told me to contact my bank to file a claim. I contacted my bank XXXX XXXX XXXX, and they told me to start the claim with San Deigo credit union. This went back and forth over the last few days with no resolution. Currently I am out XXXX $ of my money with no hope of getting back. Every time I try both banks just refer the other bank to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again ( XXXXPST ) and the message machine asked me to leave all of my pertinent information and that my call would be returned within one business day.