23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Was contacted by freedom mortgage to complete a streamline refinance. Was assured there would be zero fees associated with the process ( several emails assuring this ). First documents that were sent had incorrect payment amount-and had closing fees tacked onto loan. Emailed representative back and he stated he would reach out to the processor to get fixed. New representative stated there was an issue with CAIVRS and could not complete loan. Called previous representative who did not know why this was being communicated to us as it was incorrect information. Reached out to HUD and was told there was no issue and no alerts were showing. Called representative back and he stated he had not spoken with the processor. Asked if he had called And spoken with loan processor and he said no and that he had emailed. Asked if he could call and he said his supervisor could. Asked to speak to supervisor and was told he was busy. Received another email from Loan processor stating application was incomplete because of the cavir alert.
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 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 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 or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. 
Please help me get these unauthorized inquiries off my credit reports. 
XXXX is reporting unauthorized and inaccurate inquires and information on me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  transunion is reporting unauthorized and inaccurate inquires and information on me : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting unauthorized and inaccurate inquires and information on me : Listed below are the Inquiries that are being challenged 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

On Thursday, XX/XX/XXXX, I received a text message at XXXX AM from P & B LLC about a debt. I have repeatedly sent back to stop, just like the message said and now they are sending them at all hours of the night.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter dated XX/XX/XXXX to have inaccurate items removed from my credit report. Those items were XXXX XXXX XXXX and XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. Experian has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed. 

I also sent a letter dated XX/XX/XXXX, Document # : XXXX stating that the unauthorized account XXXX XXXXXXXX XXXX. That was also not removed as per my request. I did not authorize a credit card to be opened by first premier bank, nor did I give Experian permission to report such account. It's a violation of my privacy and causes damage financially.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, MI XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, Tx XXXX Account Name : XXXX Bank Account Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : The XXXX XXXX XXXX Account XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX. Account XXXX : XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Debt collection

Due to Covid 19, was not able to pay rent in the apartments I lived in with my daughter and granddaughter and we moved before we were kicked out and then all XXXX  of us were notified of the dept on our credit reports, said dept is over XXXX dollars and the collection agency that bought the dept illegally put Said dept on all three of our credit reports so instead of a XXXX dept they are trying to get XXXX, how is this legal and it's because of a disaster covid, can you help me and my daughter and granddaughter and have them remove this dept from our credit reports and prosecute them legally
Product: Debt collection

This company illegally placed liens on personal accounts for debts owed by XXXX XXXX. I have set up payment arrangements with the original lender and have been paying them. This law firm refuses to remove the liens on my accounts causing undue hardship by holding my money hostage in my accounts.
Product: Student loan

I sent an additional payment to Navient with instructions as to how to apply the additional payment. Navient did not follow those instructions, even though I followed their policy by enclosing a separate piece of paper with instructions as to how to apply my additional payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit report agency Updated the accounts XX/XX/22 And said the accounts were verified, However I never said they werent. My response to the company was as followed 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Delete Account Immediately XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never said they werent accurate however, they are invading my privacy rights by displaying accounts on my credit report without consent and therefore would like them removed immediately. 
Based on the laws 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit reporting agency XXXX XXXX that Santander Chrysler was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXXXXXX or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed
Product: Debt or credit management

Problems with Lexington law website trying to request information for the class action lawsuit launched against them but their website is down
Product: Debt collection

Within the last several days, a collection agency named Diversified Consultants started reporting a debt on my credit report. I have no outstanding, unpaid debts ; and this listing is a mistake. Furthermore, I received no notice of this account from Diversified Consultants INC, and would have certainly contested it, if given the opportunity. The Fair Debt Collection Practices Act states that a collection agency is required to give a 30 day notice to dispute BEFORE they report the account on one 's credit report. I was not afforded this opportunity, and this is a violation of my federal rights. This account just showed up on my report, without any notice at all.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the 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 receiving this complaint. This fraudulent, inaccurate, and false information includes hard inquiries, collections, and accounts that were not authorized by me. These include a fraudulent XXXX  account and hard inquiry dated XX/XX/XXXX for {$1200.00}, along with an XXXX XXXX hard inquiry from XX/XX/XXXX. Fraudulent hard inquiries also appear from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX, which includes both fraudulent collections and inquiries beginning in XX/XX/XXXX. Other fraudulent accounts include an auto loan from XXXX XXXX XXXX XXXX, which began in XX/XX/XXXX, a XXXX XXXX auto loan from XX/XX/XXXX, and a XXXX XXXX XXXX XXXX XXXX loan beginning in XX/XX/XXXX. Additionally, fraudulent accounts from XXXX, dated XX/XX/XXXX, and XXXX, dated XX/XX/XXXX, also appear on my credit report. A fraudulent personal loan from XXXX XXXX, dated XX/XX/XXXX, in the amount of {$1700.00}, is also the result of identity theft and fraud. 

These unauthorized accounts, collections, and hard inquiries have caused significant damage to my credit score and financial reputation. I do not recognize any of these items as reported, as they were not opened, made, or initiated by me and are the result of identity theft. I have attached the following documentation to assist with your investigation : a copy of my FTC Identity Theft Report ( # XXXX ), a detailed list of fraudulent hard inquiries and accounts, and a copy of my consumer credit report that highlights the fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have violated by the bureaus and/or creditor via the following account -XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019. LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

Fraud Type : XXXX XXXX : I was talking to a friend of mine on XXXX ( XXXX ). I had complete confidence in this person and she asked for me to send money to someone for her and she will pay me back. I believed this since she is an Au Pair and I did not know the banking regulations surrounding foreigners here, as the person pretending to be her said their XXXX limit was reached for the day. The person on the other end was very knowledgeable and accurately represented how she talks to me. The person hacked her account within 2.5 hours of when I was last talking to her. 

I sent 2 payments totaling {$420.00} to a XXXX XXXX ( XXXX ). I did not find out about the fraud until XXXX messaged me on another platform to tell me her XXXX was hacked. 

I have all of the screenshots of the messages from the hacked account to me and sent them to Bank of America. Also, I sent them the XXXX number and name of the scammers ( listed above ). They informed me after 3 weeks that they aren't refunding me because it was an " authorized transaction ''. It was not authorized since the attackers gained access to my friend 's account and impersonated her. I am filing a complaint Regulation E : Electronic Fund Transfers 12 CFR 205. If the scammers have a XXXX account, they are in the US and I am not sure why the bank can not investigate and have the scammers account shut down. Upon more research, the same hack & scam through XXXX has been appearing more frequently the past XXXX weeks, mostly in the accounts of people from XXXX XXXX or XXXX speaking.
Product: Money transfer, virtual currency, or money service

SOMEONE FRAUDULENTLY OPENED A LINE OF CREDIT AGAINST MY CREDIT CARD FOR {$8000.00} WITH NFCU. I NEVER ONCE SIGNED ANYTHING OR AGREED TO THIS AND NAVY FEDERAL CREDIT UNION IS TELLING ME I AM ON THE HOOK FOR THIS... THE SCAMMER SENT PART OF THE MONEY THROUGH MY XXXX XXXX AND TO ANOTHER XXXX XXXX PERSON WITHOUT MY CONSENT. I FILED A POLICE REPORT WITH XXXX XXXX NC POLICE DEPARTMENT, FILED WITH NFCU AND ALSO WITH XXXX XXXX  THE SCAMMER WAS ONLY ABLE TO TRANSFER {$4900.00} OF THE {$8000.00} BUT NFCU IS CLAIMING I AM STILL ON THE HOOK FOR THE REST. 

I HAVE THE BELOW INFORMATION ABOUT THIS OCCURRENCE : DATE OF OCCURRENCE POLICE REPORT FILED DISPUTE FILED XXXX XXXXXX/XX/year> XX/XX/year> XX/XX/year> REPORT # XXXX XXXX XXXX NC AMOUNT ADJUSTMENT XX/XX/year> OUTSTANDING OWED {$8000.00} $ ( XXXX ) {$4900.00} XXXX XXXX XXXX SENT FUNDS TO A XXXX???? 
{$4900.00} USER NAME $ CORIMARIES MADE AN XXXX PURCHASE FOR {$250.00} XXXX XXXXXXXX XXXX
Product: Debt collection

I am filing this complaint in response to your letter or phone call dated XXXX # XXXX, XXXX XXXX XXXX. I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.   Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by criminals unknown to me and an auto loan was opened with Bank of America in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by Bank of America. 

Starting in XXXX, I have opened 7 cases with Bank of America for this one fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked BoA to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened 7 times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet BoA continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet Bank of America has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.
Product: Credit card or prepaid card

Chase bank has a forced arbitration clause, which I am aware of. 

I have been trying for over two days just to get INSTRUCTIONS on how to start an arbitration claim. I've contacted chase by phone, secure message, and XXXX  without a single response. 

I'm unable to sue chase because of the arbitration clause, but now they're preventing me from starting an arbitration by ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used/ shared without my consent. XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.