23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX I purchased a house and my first mortgage payment was to XXXX XXXX XXXX on XX/XX/2020. I get a letter that Planet Home Lending is taking the mortgage over. I pay XX/XX/XXXX payment and start auto payments to come out on the XXXX of the month so the payment Is posted by the XXXX. I sent XX/XX/XXXX mortgage it was posted on XX/XX/2020. I paid automatically until I got a letter that I was being switched to XXXX XXXX. Never missed a payment. XXXX sends a letter that I owe a back payment from XX/XX/2020. The payment never posted to my planet account and to this day its never been fixed. I have called, emailed, nothing. 
Planet did say they would do a missing payment but Ive never heard from them again!!!! Im so upset!
Product: Debt collection

For several years now, I have had a XXXX XXXX debt appear and disappear on my credit report which has prevented me from getting credit cards and has damaged my credit. I have received phone calls from collections agencies in the past trying to get me to claim the debt. I have also received letters from debt collection agencies trying to get me to pay the debt, sometimes at a discount. I have disputed the debt in the past and had it removed from my credit report, but it keeps coming back. 

I have never been contacted by XXXX XXXX directly about this debt and I have never been a XXXX XXXX account holder myself. When I contacted XXXX XXXX in the past they told me that they can not do anything since they already sold the debt to a collections agency. 

The most recent debt collection agency that has contacted me is McCarthy, Burgess & Wolff on XX/XX/2022. 

I tried to apply for a credit card during the last week of XXXX and was denied due to this appearing on my credit report. I have started a dispute via XXXX.
Product: Credit card

On XX/XX/2023 I was going to buy a car and I left a deposit of XXXX dollars to a dealership located in XXXX New Jersey. The following week I was going to pay the car off but I and my friend found a problem. In this matter I have a witness.

I explained what happened to Chase Credit Card but instead to help me as customer they didn't do nothing to solve the issue. Car was defective and also I and my friend found trash behind the engine. I decide to step back from this purchase. I didn't sign any contract it was a retailer order. 
I've been with Chase Credit Card around XXXX  years I couldn't expect such behavior. Chase Credit Card was acting like a government agency not as a regular financial company. 
I'm trying to fix this situation but they refused to help me.
Product: Credit card or prepaid card

I applied for a XXXX XXXX Chase Bank credit card and have great credit and payment history. I was denied because I had opened more than 5 accounts over the past 2 years. I currently have only 3 open credit card accounts. All others have been closed with with perfect payment history. 

There is no fine print anywhere in the application process telling me that I could have opened more than 5 accounts, but even so, I only have 3 open accounts. They say it is to prevent people from abusing the promotional deals but I have not had a Chase account in over 5 years. I believe this is discriminatory and an abuse of the credit card company that is making the offers. It is not possible to make an offer and then say, well only if you have not opened more than 5 accounts in the past 2 years. It is not stated anywhere in the application. And also my credit rating went down a few points because of the application. I would like an appeal and also a change in the business practices of Chase bank making these offers and then denying applicants without proper reason. 

Thank you
Product: Debt collection

I have contacted this company via certified mail explaining to them that this debt is not mine and doesn't beyond to me. I explained to them that it did not belong to me, I disputed previously with another debt collection agency, XXXX XXXX in court and it was ruled in my favor, and removed from my credit report. I have asked them to send me proof of the alleged debt under the fdcpa act, you must provide the original written contract for the application of credit with my hand written signature as pursuant to law 15 usc 1692g, I am the original creditor, only I can validate this debt, and I DO NOT validate this debt. They have a statement from the alleged credit account which is not sufficient enough evidence to support their claim of that I owe the alleged debt. Pursuant to law 15 usc 1692g ( a ). You were to notify me in writing before, reporting this on my behalf to the credit bureaus 5 days prior, and I was not. You failed to provide me written notice which is violation law 15 usc 1692g. Their practices are abusive, unfair, and deceptive and I will be forwarded this to my finance attorney, seeking damages in the amount of {$1000.00} dollars plus legal fees.
Product: Prepaid card

I purchased a {$500.00} Vanilla gift card but discovered the funds were missing when I attempted to use it. I immediately contacted XXXX customer service to report the issue. They requested pictures of the receipt and card information, which I promptly provided. 
Over the course of nearly a year, I made approximately XXXX follow-up calls to XXXX. Each time, I encountered various obstacles : Representatives claimed they couldn't locate my submitted images, despite my having received confirmation of receipt. 
I was repeatedly told to call back as the appropriate person wasn't available. 
When my images were finally " found, '' I was informed I needed to complete an additional form. 
The process of obtaining and submitting this form was equally challenging, with similar delays and communication issues. After XXXX months of persistent follow-ups, XXXX reopened my case and sent the form immediately. 
However, upon submitting the completed form, my claim was denied due to being past the XXXX deadline - a direct result of XXXX 's prolonged delays and apparent mishandling of my case. 
Throughout this ordeal, it seemed that XXXX was intentionally prolonging the process, only taking action after repeated inquiries. This systematic delay ultimately led to the denial of my legitimate claim, causing significant inconvenience and financial loss. 
I believe XXXX 's handling of this situation was unprofessional and potentially fraudulent, as their actions directly contributed to the expiration of my claim period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to XXXX, XXXX, or XXXX any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Debt collection

ON XX/XX/2023 JEFFERSON CAPITAL WAS SENT A CERTIFIED DISPUTE LETTER IN REGARDS TO A DEBT OWED BY XXXX XXXX IN THE AMOUNT OF {$1600.00}. JEFFERSON CAPITAL HAS ILLEGALLY SUBMITTED A FALSE DEBT OWED TO THE CREDIT REPORTING AGENICES WITHOUT NOTIFYING ME OF THE DEBT IN QUESTION FIRST. IN THE LETTER SENT TO THEM ON XX/XX/2023 THEY WERE ASKED TO SEND VALIDATION OF THE DEBT SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT. AS OF XX/XX/2023 THEY HAVE FAILED TO RESPOND TO THE DISPUTE LETTER OR SHOW ME ANY EVIDENCE OF THIS DEBT BEFORE REPORTING IT TO CREDIT AGENCIES.
Product: Checking or savings account

I tried to open checking account online and wasnt able to do so so I called customer service and was transferred to fraud department. Representative said that determination had been made in 2010 that I was a security risk because I had transfers of XXXX. Asked if account was overdrawn or not in good standing when closed and said didnt show was overdrawn or not in good standing. I wasnt able to get more information or appeal. I havent had a bank account closed for overdraft or fraud and feel that a decision 10 years ago without a current review doesnt allow me to plead my case that I should be able to open the checking.
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts in question 1. XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX with the 3 credit agencies XXXX XXXX and Equifax and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX  not  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX    XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  A   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  XXXX .
Product: Money transfer, virtual currency, or money service

I am writing to 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 my 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 show 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 or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting. I do not have a record of doing business with these companies. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding an account Equifax is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/2020. The error is XXXX XXXX ( Account # XXXX ). In my letter disputing this error, I told Equifax that I challenge the accuracy and reporting of this item. Equifax is reporting that XXXX XXXX XXXX ( Account # XXXX ) account type is a collection account, however the payment status reports a 120 day late payment. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/2020 I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Please be advised that an investigation with the furnisher of the information has been initiated. '' This is a stall tactic and this is almost two months past the date my letter was mailed and received by Equifax. Equifax can not validate this item but is stalling to remove it as they should per the Fair credit reporting Act. As I stated I would in my initial letter to Equifax, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Equifax, the certified mailing receipt, and my CFPB complaint where Equifax tried to stall saying Please be advised that an investigation with the furnisher of the information has been initiated. Even though they have had almost two months to investigate.
Product: Checking or savings account

re : Majority Banking ( https : //www.majority.com ) On XX/XX/2022 Majority sent me email that my account will be closed on XX/XX/2022 and I should " ensure that you bring your balance to {$0.00} prior to the above date ''. I used my Majority bank account to pay off part of the balance on my XXXX XXXX credit card. 
The attempt by XXXX XXXX to pull funds on XX/XX/2022 was rejected due to " account closed ''. This resulted in retuned payment fee in the amount of {$39.00} added to my XXXX XXXX credit card balance and a negative mark on my record with XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On the date of XX/XX/year> BMG Money Loan and their affiliates practiced discriminatory and fraudulent business behavior knowingly with willful intent deprived me of my right to credit as a result to intentionally directly discriminate against me based on race, disability, familiar status, employment status, and economic status during the refinancing of a consumer credit transaction applied for in the amount of {$3000.00}. They also further knowingly with willful intent deprived me of my right to credit while in good faith exercising my rights under the proper federal laws and Acts of Congress by them acquiescing to the emailed written noticed of me properly exercising my rights under federal law. This consumer credit transaction was in regards to refinancing current loan ( consumer credit transactions ). BMG Money Loans needs to practice better business and ensure that their business policies are legally and lawfully in compliance with the Federal Laws of the United States and all Acts of Congress. BMG Money Loans failed to provide the proper applicable federal laws within their denial Adverse Action letter emailed on XX/XX/year>. The Constitution and 15 USC 1691a but not limited to enforces my lawful right to credit and to exercise my rights to credit. BMG Money Loans are practicing abusive business tactics against the consumers of this nation. This business has not tried to resolve this problem. As a living breathing natural person of the living people of this nation Im totally convinced that these business practices are intentional. It is a fact that a " credit score does not legally nor lawfully apply to a Consumer/Natural person defined pursuant to 15 USC 1692a ( 3 ) ,1 USC 8 . The term person in regards to a " credit score '' can be found pursuant to 15 USC 1681g ( f ) ( 2 ) ( A ) the term " person '' highlighted within that law is defined pursuant to 15 USC 1681a ( b ) which does not describe a living breathing natural person. They have also stated in their site that I wouldnt be eligible to apply for the refinance again until 08/17/2024 which is unlawful restraint of trade and commerce pursuant to 15 USC 1 and a deprivation of rights under color of law pursuant to 18 USC 241, 18 USC 242.
Product: Checking or savings account

I'm making 2 correlated complaints here about Citibank account : 1. Interest rate issue. I opened a Citibank saving account XX/XX/XXXX and gained the 3 month 5 % promotional interest rate. I have been meeting the criteria since then, however, my interest rate dropped to 0.06 % some time in XX/XX/XXXX even within the 3 month promotional period. 

2. Very incompetent and rude customer service agent who wasn't helpful but harrass customers. I called the customer service XX/XX/XXXX XXXX XXXX and waited for a few minutes to get a lady on the phone. She asked me XXXX and I provided it. She later on asked me my security question I set up, and I explained that she needed to provide me my question and I answer it, similar to how we retrieve our password. She had my security question but refused to read it for me so that I can answer it. I also tried to ask her to teach me how to find the security questions on my banking portal or change to another verification method ( Citibank offer multiple verification method even in their automated phone ). She refused all of this without any reason, but just kept let me tell her my secuirty question. Eventually she said " I already told you to tell me your security questions but you can't provide, bye '' and hung up the phone. I CAN't believe this is happening when someone ask other people to remember a SECURITY QUESTION itself from nowhere, and the agent BLAMING customers even though they are WRONG. I had to call back and waited for another XXXX minutes, and the person picked up the phone was completely on mute and eventually hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

The account has not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/2019, several fraudulent charges were billed to my account. 2 were picked up by the credit card company. Payment was refused and the charges removed. 3 of the charges to the same company in XXXX XXXX remained on the account along with associated foreign transaction fees. I have talked to supervisors 3 times about removing the charges. In each case I was told they are still investigating the charges but refused to credit the account.
Product: Mortgage

My name is XXXX XXXX. My ex wife and I lost our home. We never received any information about the our loan modification back in 2009. Documents were provided as requested and checks were returned for mortgage payments by the bank. After we were informed that our house was in foreclosure, it was published in the local newspaper. We didnt receive anything by phone or mail. This is the physical address of our home at that time. Please contact me with any questions at XXXX or XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Thank in advance Mrs. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to contact XXXX XXXX to initiate the dispute. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations. This complaint should serve as notice that XXXX XXXX may contact me in writing only regarding this account.
Product: Credit card

I am requesting assistance in removing these unauthorized hard inquiries from my credit report, as they were not initiated or approved by me. The FTC acknowledged receipt of these reports and provided steps for further action, including advice on managing financial challenges if necessary.