23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Wells Fargo on XX/XX/year> I received a email saying my credit card payment was due by XXXX pm on XX/XX/year> no amount was given they said I could sign up to automatically pay or make a payment to pay my credit card payment
Product: Mortgage

I am a XXXX resident with a daughter attending the XXXX XXXX XXXX XXXXXXXX XXXX XXXX to the XXXX XXXX XXXX  ( XXXX ). XXXX is in the midst of a housing crisis and the XXXX had recently closed and will be demolishing several dorms.I purchased a condominium at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 for {$420000.00}. I had appllied for been given a term sheet for a mortgage with Guranteed Rate for {$250000.00}. 

Guranteed Rate hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Mississippi to conduct an appraisal. The appraisal came back with a valuation of {$330000.00} based on a single sale in the condominium association. in the past year. I called XXXX XXXX and Guranteed Rate. I felt the appraisal was low by more than 33 %. 

XXXX XXXX called me back and stated to me that she would not reconisder her valuie and " that is not how it is done down here in MIssissippi ''. I requested Guarnateed Rate recondisder. Guaranteed Rate stated they asked XXXX XXXX and whe woud not change the value. I believe I was discriminated against becuase of my accent and being a XXXX. ( a XXXX XXXX XXXX XXXXXXXX ) Three identical Condominiums have closed in the XXXXXXXX XXXX XXXX since XX/XX/2024, all for more than {$400000.00}. More than 6 comparable condominiums were presented by the mortgage underwiter XXXX XXXX to XXXX XXXX all with a recent sales price more than {$450000.00} local to and similiar to the condominium, XXXX. XXXX refused to consider the comparable properties. 

Because of the low appraisal I was compelled to either decrease the amount of the mortgage or face higher fees and interest rate. Rather than conduct a review of the appraisal, Guaranteed Rate, was able to charge the same fee on a smaller mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to the credit bureaus about fraudulent items and inquiries on my credit report and provided documents along with my social security card and drivers license and they still havent removed these items
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I was informed my identity was stolen from XXXX XXXX XXXX XXXX. This was do to the data breach in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX SS # XXXX
Product: Credit card

I am writing to formally address issues with my account referenced above and to dispute the reporting of negative information to my credit file, specifically late payments and/or a charge-off. 

After the closure of this account, I stopped receiving any communication from Truist, including statements, notifications of the balance owed, minimum payment amounts, or due dates. I did not receive any phone calls, emails, or other forms of contact informing me of my obligation or how to fulfill it. 

This lack of communication has caused significant confusion and made it impossible for me to meet my obligations or resolve the account balance. As the creditor, Truist is required under the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( b ) to provide periodic statements for open-end credit accounts with a balance unless the account is charged off or qualifies under specific exceptions. The failure to send me statements or otherwise notify me of the balance owed and payment obligations directly interferes with my ability to maintain the account in good standing.

Additionally, under Regulation Z, 12 C.F.R. 1026.5 ( b ), creditors are required to provide periodic statements that include the amount owed, payment due dates, and other essential account information for accounts with balances. Courts have upheld that creditors must comply with these obligations regardless of any cease-and-desist communication, as these statements are necessary for the consumer to understand and address their obligations. 

For example, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX XXXX. XX/XX/year> ), the court emphasized the importance of creditors providing consumers with timely and accurate information about their accounts to avoid undue harm. Similarly, Regulation Z Commentary has clarified that the requirement to send periodic statements continues unless the account qualifies for a legal exception, such as being discharged in bankruptcy or converted to a fixed-term loan.

By failing to communicate my balance and payment obligations after closing my account, Truist prevented me from addressing the debt and resolving the account, resulting in inaccurate and unfair reporting of late payments and/or a charge-off. This reporting unfairly penalizes me for circumstances outside of my control, and the absence of statements prevented me from knowing the balance or minimum payments to avoid delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Depot false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call Loan Depot and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting loan depot we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that loan depot sold our loan to XXXX XXXX. This was around XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to XXXX in XXXX. How can you have a late payment that month? I was not even able to pay loan depot anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
Product: Money transfer, virtual currency, or money service

Today I learned from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the reason my tenant can not deposit his rent check into my XXXX account using Zelle is because Zelle has linked my profile to a fraudulent account and Zelle has placed a PERMANENT ban prohibiting my accounts from Zelle transfers because of this so called fraud they connect to me and this action can not be appealed. I phoned Zelle at XXXX but they will not even discuss the situation and they refer me back to XXXX. XXXX tells me there is nothing they can do. I have never been involved in any fraud and I have never been notified of any fraud related to me by anyone in my 66 years. My tenant and my significant other are the only XXXX people who have ever deposited funds into my XXXX account using Zelle and that started in XX/XX/XXXX when my tenant XXXX XXXX XXXX, who is elderly, had great difficulty setting it up so my significant other XXXX XXXX XXXX tried to help him. We thought it was all taken care of when the XX/XX/XXXX rent was successfully deposited via Zelle by XXXX payments totaling {$1600.00}. My tenant notified me last week that he is unable to send the XX/XX/XXXX rent into my account via Zelle and his bank indicated the problem was on my end. So, I contacted the XXXX to find out Zelle has linked me to fraud and permanently banned me from use of Zelle without any appeal process. I have been branded by Zelle as a " fraudulent '' recipient of Zelle funds without any communication between Zelle and myself and this is all FALSE. The only XXXX people XXXX XXXX and XXXX XXXX to send money to my account using Zelle have both told me that they have not filed anything identifying me to any fraud. So, I am at a loss at how Zelle can label me as linked to a " fraud '' when it is not true and then refuse to discuss the situation or consider that a mistake must have been made that needs to be corrected, and then ban me for life from using a service provided by XXXX to its members without any recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, Equifax, and XXXX for committing identity theft. I never gave XXXX, Equifax, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, Equifax, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that I had false or fraudulant late payments on my accounts. My account for XXXX was always paid on time as well it was paid off and it needs to be removed. It is hurting my ability to obtain credit grealty, please help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the negative information reported by Equifax since XXXX XXXX XXXX. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history  unfavorably.
Product: Credit reporting or other personal consumer reports

Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, OPP Loans is not listed in the XXXX XXXX XXXX as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about a tax lien being on my credit report, I informed them that the tax lien was paid and it should n't be there. Instead of Transunion removing the account they updated the account showing paid. I paid the balance prior to it being reporting on my credit report, per Transunion they were going to remove the account completely but they did n't its just showing paid. I want this account remove from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX  XXXX/XXXX  XXXX , Account # 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 an account without my written instructions.
Product: Mortgage

Citibank has denied a Loan Modification on my primary and upon reviewing the limited NPV results they provided, I discovered incorrect income. No mentioned of appeal process, so I come to you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with Early Warning Systems a year ago. Please see attached document. I am a victim of identity fraud. They sent my report ... it is attached here. I just applied for a bank account and was denied due to Early Warning Systems. It appears that there is new information or they put back on information that was already removed. All I need is for this to be fixed like it was before. I am also attaching my police report.
Product: Money transfer, virtual currency, or money service

I need to download PayPal statements to fax to the Social Security Administration, but a block has been put on the PayPal account, and I am now getting harassed on this phone, by an adult male who identifies himself as XXXX, demanding that I download new apps, set up new accounts, do cash advance transfers between my different deposit and credit card accounts to these new accounts, send my financial property resources to XXXX.. 
Im facing a hostile eviction from this apartment, the loss of my SSI benefits, the loss of my financial and other property.. to send money to XXXX?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion has failed to fulfill this legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFBP ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to for consumer provided evidence to furnishers, accepting unreliable responses and failing notify consumers of their dispute outcomes. These failures align with my experience where XXXX has neither corrected norm remove any of the accounts I disputed.
Product: Credit reporting or other personal consumer reports

I am disputing a debt with XXXX XXXX XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that XXXX XXXX XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Checking or savings account

On XX/XX/XXXX placed an order from a company on XXXX. I was supposed to receive the product within 7/10 business days. I didnt receive the product. I filed a dispute with Chime. I advised chime I never received said products. Chime was supposed to investigate my claim. My claim was declined with no proof of delivery. Chime hadnt provided any information from the investigation. My order was cancelled by the merchant and I never received a credit back. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Transaction Was Cancelled Date Error Reported : XXXX Claim Amount : {$74.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request immediate action regarding a violation of my privacy rights under 15 U.S.C. as my personal information was exposed in a recent data breach. This breach constitutes a serious failure to safeguard my sensitive data, and it has led to inaccuracies being reported to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Under the provisions of 15 U.S.C. 6801 and related privacy statutes, financial institutions are required to protect the confidentiality of customer information. Failure to do so not only jeopardizes consumer trust but also exposes affected individuals to undue harm, including fraudulent credit reporting.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  I had {$4800.00} stolen from my Bank of America checking account in XXXX transactions. 

On XX/XX/2022 - I noticed the stolen funds and opened a fraud case with Bank of America. I also filed a police report with my local police department. 

On XX/XX/2022 - Bank of America has decided that the funds were not stolen from the account and that the use was authorized. They will not be helping me to get restitution on this matter. 

I need help!
Product: Debt collection

I opened an account through XXXX, I already owned my phone so there was no problem there. I paid the first month and the bill went up in the second month for absolutely no reason. Nobody could give me a reason so I finished paying my bill and ended service. XXXX came to the conclusion on their own that I had over paid and sent me a refund via my bank account. Nothing else was said and I received no notice of owing any amount and thought the matter was closed. I checked my credit reports and there it was but through Diversified a collection agency and it was under their name. I called them and they were nice and took care of everything for me. I sent them copies of my bank statement and they considered it paid in full and took it off the other 2 credit reports but not this one. I put in a dispute and its coming back as valid. So now Im stuck with this on my report and no way to get it off apparently. So is it XXXX or XXXX thats trying to be XXXX?
Product: Credit card or prepaid card

When signing up for this credit card, the terms signed had a clause about becoming unemployed. I lost my job and the credit card company refused to follow the terms that they had laid out. This resulted in being charged multiple fees ( incorrectly ). These fees had the effect of compounding to make the situation worse, with more fees coming about from the fees that shouldn't have been there to begin with. I have now paid much more than ever used, with a balance at the same place it was to begin with. I became unemployed again, and the company stated they would not follow their outlined terms for the unemployment, and my account was being closed instead. Most recently, the company started harassing my in-laws. Calling my wife 's mother and brother harassing them. My wife is not even on my account! I had this account long before I even met her. Simply put, not following their own policies, and harassing third parties trying to over-inflate what I should owe them, should be illegal.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act 15 U.S.C. 1681 To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am filing this complaint to address violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

The following accounts have violated these rights by furnishing inaccurate or unauthorized information to consumer reporting agencies : XXXX  XXXX XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis of Complaint : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is unlawful for a person to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. These accounts were fraudulently opened in my name without my authorization, as substantiated by the attached FTC Identity Theft Report. 

Despite my previous attempts to resolve this matter, these accounts continue to harm my credit profile, causing undue stress and hardship. 

Requested Actions : 1. Immediate investigation into these violations.

2. Removal of these accounts from my credit report.

3. Confirmation that all inaccurate or unauthorized data has been corrected and no further violations will occur. 



Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Profile Account : XXXX XXXX XXXX My car was totaled in XXXX. I was never late for a payment and was even paid out positive equity through a check. This account was paid and open, however 4 months later, an additional remark stating 'early termination/insurance loss ' was added to the account and its status changed to 'paid and closed '. This has caused my FICO credit scores to drop by roughly 80 points. It is showing on my FICO that I have late payments, when as can be proven through a thorough credit check, I have never paid any account late. After researching and speaking with finance professionals, the way the remark is worded ( early termination/insurance loss ), has tricked the FICO algorithm into thinking I have been a bad debtor. The account is paid and closed and has never been in collections ; I would like this account removed from all of my credit profiles because of its false and negative effect on my credit score, which is rendering me from financial freedom. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent to CONCORA CREDIT INC via CERTIFIED MAIL & RETURN RECEIPT, a Dispute of Inaccurate Debt Reporting, Demand for Correction under the FCRA and FDCPA for Account No. Ending with XXXX XXXX XXXX XXXX XXXX, and Demand for IRS Form 1099-C. 

I wrote to formally dispute the accuracy of an alleged debt that CONCORA CREDIT INC has reported in my consumer report. Specifically, their records reflect a charge-off/write-off of this alleged debt ; however, they failed to provide the required IRS Form 1099-C, which is necessary to confirm the reporting of this debt as forgiven and any related taxable event. Please see letter attached. 

Since CONCORA CREDIT INC failed to send me Form 1099-C, I e-filed it and it was accepted by the IRS on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries unrecognized. I do not have an account with this company. Asked to investigate and remove. Experian ignored.