23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am eligible for a HAMP refinance but because of a bankruptcy over 7 years ago, my bank will not process the loan. My house and car were supposed to be reaffirmed and.the proper boxes were checked in the bankruptcy paperwork but my lawyer must have gotten sick and passed away before he processed the reaffirmation. When I asked if it was something I did wrong, I was told that it should have been handled between the lawyer and the bank and I didn't have anything to do with it. Meanwhile, I am told I would have to open the bankruptcy back up to handle this and it would take more money that I don't have. I am trying to refi the house to be able to stay in it. I am working as hard as I can as a XXXX XXXX XXXX XXXX XXXX and am suffering every summer with no pay. 
I have talked with the refi people at Wells Fargo and they say it is my problem, I have talked with a bankruptcy attorney and they say that I have to pay and reopen the bankruptcy. Meanwhile I am slowly going under. I did do some research and found that the bank can reaffirm the loan but they refuse to do this. 
Please help me! 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 USC 1681 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 a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a few accounts with Experian. And the latest dispute, I sent them a letter with the following : This letter IS a formal procedural request for the method ( s ) used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation. They did not provide the requested documentation as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for accuracy since fraud has been committed against me, I have disputed inaccurate personal information reflecting on all three credit reporting agencies ' reports. In an effort to insure that the correct information is reflecting in my file, I sent letters via certified mail indicating what personal information should be in my file. 

XXXX Certified Mail Tracking : XXXX XXXX Certified Mail Tracking : XXXX Experian Certified Mail Tracking : XXXX My personal information has not been updated upon my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is the consumer agencies are reporting to the credit Bureau ( TransUnion, XXXX  and XXXX ), my personal information from my consumer file, and public records showing a Banruptcy Chapter XXXX # XXXX, i want removed. that causing problems for me and my job. Under the Fair Credit Reporting Act it is unlawful and not in compliance.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had missed a few payments with Jp Morgan Chase bank so i knew i was behind. In an effort to get back on track i sent them i check to bring me up to only being behind one payment with the hopes of being able to pay the last payment the following week. I would have waited one more week and sent it all at once but i figured that they would like their money. I then find out that they are going to return the check because it was not enough to cover the full amount of what was due. Also when i called to ask of what the exact amount is to reinstate my loan they were unable to tell me what that amount is. So now it is going through a process to give me what the amount is as well as adding more fines and fees on a daily basis. Also i found out that my house has a foreclosure sale date from XXXX different third party attorney offices two days before i received that information from chase. Also they have informed me the reason that they can not give me the reinstatement amount because of foreclosure fees but they can not tell me what all of these fees and penatlies are for. It feels like they just have an " other '' line on my loan that is their playground for adding additional charges to my account and do n't have to give me a reason for it. I also have a log of other phone calls leading up to this point that my wife and i have made to chase where we receive information from a customer service person and move forward with what they tell us just to find out from a different customer service person that we can not do that. They have their system setup so that if you fall behind you will be drowned with with fees and penalties that grow daily while they drag their feet to get you the information that you requested.
Product: Credit reporting or other personal consumer reports

Regarding the website credit.com : I received an email on XX/XX/year> at XXXX from XXXX regarding an account being opened in my name. That XXXX, at XXXX, I emailed the company to notify them that the account is fraudulent and to request deletion of the account. After going back and forth with a representative of the company, whose name appears as XXXX in the footer of the replies I received, they informed me they could take action only if I provided my DOB and the last four of my SSN ( they originally asked for much more information, like my home address and phone number ). I was, and still am, willing to provide those, but only over the phone, as email is a highly insecure method of communication and I have seen firsthand that and other information leak from emails in the past. Their representative replied that " we do not have phone support at this time so we're unable to provide you with a phone number, '' and they refuse to close the fraudulent account. I could give in and provide the information over email, but I have been negatively impacted by that in the past, and I don't believe that I should be forced to use only one method of communication, again an insecure one at that, to request closure of a fraudulent credit account.
Product: Debt collection

As of today, my XXXX credit report shows a collection account with I.C. System, Inc. The original creditor is XXXX XXXX XXXX. The account was opened on XX/XX/XXXX, and currently has a status of being in collection with a past due amount of {$2200.00} as of XX/XX/XXXX. The balance was last updated on XX/XX/XXXX. 

I dispute the accuracy of this account information and have noted that it meets the requirement of the Fair Credit Reporting Act. 

Please investigate and correct any inaccuracies in this account.
Product: Debt collection

This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which i received on XX/XX/XXXX. However,  providing a bill/invoice of the alleged debt is not a form a validation it is a form of verification was not what i requested in the debt validation letter. Also I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak English and nobody you talk to speak clear English it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done
Product: Debt collection

I am contesting the account with XXXX. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 136 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not oweXXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Product: Credit card

{$2500.00} charge to a business called XXXX XXXX  on XX/XX/XXXX. It was charged XXXX. I won the chargeback dispute and it was only credited XXXX. I've called everyday since winning the chargeback dispute on XX/XX/XXXX but the duplicate charge remains
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the following fraudulent inquiries off my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Closed on home loan with Wells Fargo XXXX XXXX. Received notice from them late XXXX XXXX stating we owed XXXX in back escrow, and our payment was increasing XXXX/month if we can not pay the back tax and it posts before the XXXX XXXX payment. We asked about the calculation at closing ; the Wells representative was there, and said the payment amount was n't exact, but it was close, within {$100.00}. XXXX or so, so we signed the documents and closed, expecting a modest increase. 
Now we are forced to pay the above amount or have the loan amount increase considerably.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate and unsubstantiated debt collection account that has been reported on my credit report. I am concerned that this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in resolving this matter promptly and satisfactorily. Account Information : Creditor : XXXX XXXX  XXXX Account Number : XXXX I have no recollection of any contractual agreement or financial obligation to XXXX XXXX XXXX or any other entity with an account number matching the one mentioned above. Furthermore, I have never signed any agreement, received any services, or incurred any debt that would warrant my responsibility for this alleged debt. The FCRA mandates that creditors and debt collectors report accurate and verifiable information to credit reporting agencies. Failure to adhere to these guidelines can result in severe penalties for non-compliance. I believe that the inclusion of this disputed account on my credit report is not only erroneous but also in direct violation of the FCRA. Specifically, I wish to bring to your attention the following sections of the FCRA, which pertain to my rights as a consumer : 1. **Section 609 ( a ) ( 1 ) ** : This section of the FCRA requires that credit reporting agencies provide consumers with a copy of their credit report upon request, which I have obtained, and the right to dispute any inaccurate information contained therein. 2. **Section 611 ( a ) ( 1 ) ( A ) ** : This section states that credit reporting agencies must investigate the disputed information and, if found to be inaccurate, incomplete, or unverifiable, they must promptly delete it or correct it. 3. **Section 623 ( a ) ( 1 ) ( A ) ** : This section mandates that furnishers of information to credit reporting agencies, including debt collectors, must provide accurate and complete information. Given the absence of any contractual agreement or legitimate debt, I request the following actions to rectify this situation : 1. An immediate investigation into the accuracy and validity of the debt collection account reported by XXXX XXXX XXXX, as mandated by the FCRA. 2. Prompt removal of the disputed account from my credit report, as it is inaccurate and unverifiable. 3. Confirmation in writing that this erroneous information has been removed from my credit report. I trust that you will treat this matter with the urgency it deserves, as the inclusion of this inaccurate information on my credit report is having a detrimental impact on my financial well-being. Please be advised that, if this matter is not resolved in a timely and satisfactory manner, I will not hesitate to pursue legal remedies available to me under the FCRA, including but not limited to, filing a complaint with the appropriate regulatory authorities and seeking damages in a court of law. Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit profile.
Product: Credit card

I filed a XXXX claim with my Cerulean card and when the payments were over, they started charging me late fees even though my card was on autopay prior to me filing the XXXX claim. I am even blocked from trying to re-enroll into autopay because I can't get into my account. I called and brought this to their attention and got absolutely nowhere! It is imperative that I have everything on autopay because I have stage XXXX XXXX and I my memory is not as good as it used to be. I am frustrated with XXXX and the way that they handle business and they just charged me {$41.00} again. I don't understand why my account didn't go back into autopay after the XXXX payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNT XXXX XXXX never late XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX A XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit card or prepaid card

Attached you will find copies of an appeal I sent to chase in regards to charges from XXXX XXXX XXXX. There is a letter attached regarding the issue. It was first handled through the fraud department and they denied it stating it was not fraud. I never received a letter of the denial which I asked for. The fraud department told me it was a dispute issued. I have sense then appealed it through the dispute department stating I never authorized these charges they denied my dispute appeal I have attached a copy of the denial for the dispute charges. I asked chase to provide me with the information they used to deny my appeal from the merchant three reps I spoke with said they dont have anything on file. I told them I should be able to have a copy of whatever it is the merchant sent them to sent my claim. I tried to resolve the issue with chase and they are no help at all everyone transfers me around and I get diffrent information from diffrent workers. I did not purchase anything from XXXX XXXX XXXX  nor did I in anyway authorize anyone to. XXXX saw that it was all fraud when I contacted them. If someone could please tell me what my options are I would appreciate it. I tried to appeal the dispute and they told me the charges were to far back now. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Called XXXX   XX/XX/XXXX my card was closed out and reisssued they sent me dispute paperwork Called chase back several days after got paperwork was transferred to fraud department and a fraud case was opened Spoke with several people fraud department on XX/XX/XXXX I spoke to XXXX and XXXX emailed XXXX emails from XXXX then on another date XXXX left me a voicemail then spoke with XXXX from fraud Dispute department XXXX, XXXX on XX/XX/XXXX XX/XX/XXXX spoke to XXXX transferd to XXXX he told me to give it two days didnt receive anything Called back on XX/XX/XXXX spoke to XXXX   transferd to XXXX in dispute dept transfered to supervisor XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple requests to credit bureau Equifax and XXXX XXXX XXXX for proof of this loan. I have sent multiple emails and made multiple calls to XXXX XXXX  for information regarding this outstanding loan. I did not receive any service or product that would render this loan. I requested paperwork and a contract from the company XXXX XXXX who may have been a company that work with XXXX XXXX. They do not have anything in their file. XXXX has consistently stated that they did an investigation and as of XX/XX/XXXX can not produce a contact name, actual investigation results or any information that was a part of the investigation. I have placed disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All have resulted in the response that they have done an investigation but with no evidence provided to me. 

The last certified letter correspondence I sent to Timepayment XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX was XX/XX/XXXX and the last email XXXX was XX/XX/XXXX. I have also made many phone attempts to get information at phone number ( XXXX ) XXXX. All attempts have resulted in failed communication. 

At this time I have exhausted all avenues to rectify this issue with my credit report and a loan that I have not authorized using my information. This has been an exhausting experience with what seems to be automated response from Equifax.