23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Checking or savings account

Payment was authorized by my wife XXXX XXXX XXXX XXXX. She lied to Wells Fargo and made a fake report about payments to XXXX Credit Card that is under my name XXXX XXXX. She told them that one years worth of payments was not authorized and had XXXX in payments reversed back to my credit card with XXXX. She told Wells Fargo that she does not know who I am and that they payments to XXXX was done without her consent or knowledge... This is bank fraud because she did know and did authorize the payments since XX/XX/2021 til XX/XX/2021 XXXX
Product: Mortgage

I had a rentel property with Select Portfolio servicing Inc,  property address is XXXX XXXX XXXX XXXX Pa XXXX which was surrendered during a bankruptcy E filed on XX/XX/XXXX I assumed that everything was over as i never recieved any correspondence from SPS, including any tax bills or sewer bills after the discharge of my bankruptcy on XX/XX/XXXX In XX/XX/XXXX, while pre qualifing for a personal home loan, SPS appeared as an open mortgage in my name. 
I contact my attorney and she charged me XXXX to do a quick deed back to SPS. 

On XX/XX/XXXX i was served with a law suit from SPS filing an action of quiet title saying SPS had not had interest in the mortgage. 
I have XXXX from SPS with the address of the property for the year the bankruptsy was filed. Now they are saying that i had no right to convey deed to them. 

This is a ridiculous, frivolous law suit from a fraudulent company, they need to be stopped and this suit needs to be dismissed.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding a misleading balance transfer offer from U.S. Bank. 

On XX/XX/year>, I applied for the U.S. Bank XXXX XXXX credit card through U.S. Banks website, explicitly seeking a {$30000.00} balance transfer. I entered this requirement during the application process, and the website indicated that my request was approved. However, when I reached the final screen to confirm my account details, I discovered that I was only granted a {$7000.00} credit limitsubstantially less than the balance transfer I needed. 

This unexpected limit made the card unsuitable for my purposes. I immediately contacted U.S. Banks customer service to close the account, as the approved limit was not what I had initially applied for or what was represented during the process. 

I feel that this experience reflects a bait and switch tactic, as I was led to believe I would be receiving sufficient credit to accommodate my balance transfer. Such practices are not only frustrating but also misleading, as they create unnecessary inquiries on my credit report and waste consumers time and resources. 

Thank you for your attention to this matter. I hope this issue will be reviewed to prevent similar experiences for other consumers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX illegally took from my bank account at XXXX XXXX bank {$1800.00} on XXXX XXXX, XXXX. They did not notify me ahead of time of the action taken and if I did have the right to dispute the money taken from my bank account. Also, I never received any legal order before XXXX XXXX XXXX taking the money. The money that they took from my bank account had been recently deposited from the social security because I recently came XXXX due to a XXXX XXXX. XXXX XXXX XXXX not only has affected me economically leaving my bank account in {$0.00} but also has affected my health. Since I have been having a very difficult situation for several years. I tried to solve the issue calling them several times as well as XXXX XXXX bank, even going on person but all they did was laugh at my requests. Please take action as soon as possible.
Product: Mortgage

For close to 10 years My mortgage has been bought and sold a bunch of times and the payment was always around $ XXXX {$1800.00}. I refinanced with my lender ( at the time ) for a better interest rate. That was the end of XXXX. Fast forward a few months later and MR Cooper bought my mortgage. Kept the same {$1800.00} payment for a few months Then all of a sudden a letter comes and they are raising my payment to {$2400.00}. An increase of {$580.00} per month. It seems really excessive .taxes and ins didnt go up that much. They are impossible to get a hold of. They did another escrow analysis and now my payment in the new year is {$2300.00}. Still a huge increase to what I was paying for close to a decade. I have baby twins and a toddler so this payment is really impacting me negatively.
Product: Credit card or prepaid card

On XXXX XXXX  I cashed in XXXX points as an account credit which should result in roughly a {$61.00} account credit. The points were deducted however the account credit has not been applied. I have called commentary bank at least 5 times and put in a dispute. I have been given the run around amd a different answer every time ranging from it takes 60 days to you will see it on your next billing cycle which Im now in. I would like my account credit as earned In previous times when I redeemed points it showed up in 24 hours
Product: Debt collection

I attended college from XXXX taxes were taken by this company in the past this account is fraud and I have contacted US Dept Of Education the rep did not give me no balance. I called XXXX asked the rep what the balance was and the rep did not give balance. I applied a few years back for a Mortage Loan and the Bank said I was approved for a Federal Loan and Federal Grant money for 1st time home buyers. There is nothing on any of my XXXX XXXX regarding this account and money was taken for 2 years after it fell off credit report by this company through tax returns being offset for several years. Over the last several years I have received tax returns. This email that I have recently found I barely use the email address the email was originally sent to it is dated back in XX/XX/year> The information that this company has previously reported in the past through numerous complaints to CFPB is information that this company is using from the database from US Department OF Education which is tracking that keeps track of Federal Student Loans and Federal PELL Grants and any Federal Funding for schooling. This collection agency began to pay PELL Grants back. I even contacted the College I went to for a Student Finacial Aid Officer to review this matter she stated that the PELL Grants were being paid back, and she never seen that done before. PELL Grants is funding provided to low-income individuals to assist in funding cost to attend College. Now this Fraud agency is stating that there is interest occurring on a 22 almost 23year Student Loan that is not even owed so this company can now pursue people to repay back their PELL Grants.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX  TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME.
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE.
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE.
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND.
APPRECITAED
Product: Credit card

Capital One, RE : Credit Card Account Closure Can you tell me who and why my credit card account is restricted and/or closed? I am a XXXX XXXX XXXX XXXX XXXX XXXX and the card is necessary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without this credit card I am forced to purchase XXXX cash cards to complete online purchases. 

Please investigate the closure of this account and reconsider that decision. 

Sincerely, XXXX XXXX Someone is using my social security numbers to list fake collection accounts on my credit report. Accessing the report, this person is able to monitor and access the credit accounts on my credit report. ( identity theft and collection schemes ). 

In this case, a Capital One credit card was opened in XXXX, 2023, but for no apparent reasons, once the card was activated someone either : ( 1 ) accessed the Capital One account attempting to effectuate frauds, or ( 2 ) cancelled or closed the account. 

When this account was closed my XXXX credit rating was impacted, the credit score is now XXXX. This is a significant change in financial position. I can not repair or fix this negative action, it will remain on the credit report for 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the card is necessary for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears to me as though someone using my information filed a forged document with Capital One stating that they were either : ( XXXX ) ID theft protection, or ( XXXX ) an insurance company to facilitate what in the ID theft world as an " account takeover. '' If you move on this report, you will probably be redirected by Capital One to the person using my information. 

Please contact Capital One and advise them either to reopen the account or remove the derogatory information listed on the XXXX, XXXX, and XXXX XXXX credit report. 

I would prefer the account be reopened, I need the XXXX XXXX XXXX and the card is necessary for XXXX XXXX XXXX Currently, I am forced to purchase XXXX a cash card which is inefficient and inconvenient.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and see I unauthorized inquiry on it from WellsFargo. I never applied for any services from this company. This is affecting me from getting other credit please remove this. This is fraud.
Product: Checking or savings account

I have a XXXX bank account and have no service with other banks except through XXXX. I received a letter in the mail from Bank of America in regards to opening up a debt card account in which I knew it was fraud immediately because I don't do business with Bank of America. I called Bank of America fraud and put in a claim to be flagged and declined immediately for future fraud events. XXXX weeks later I get another letter in the mail with another debt card opened under my name again. I put in another claim and now I am worried my Identity, social security, and more is at high risk.
Product: Credit card

on XX/XX/year> I contacted Discover twice once to tell them about their fraudulent statements and they refused to accept any information regarding that and I told them that their statements are incorrect and fraudulent because some of them are 60 days as 60 day period of time so they dont reflect my actual transaction history. The other thing is the last thing is that I spoke to two people, XXXX and XXXX, after giving them my passcode or whatever the verbal passcodes that they that they have they still refuse to do to block the recurring charge We had me on there for 45 minutes and they still have two or two people the first one couldve just done it but she didnt and the second one is refusing to do it after I waited for 45 minutes then he wants me to call XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. This also includes XXXX XXXX  collections accounts I have no knowledge of. I never authorized XXXX XXXX XXXX to release my records to any collections company, which is XXXX and a violation of XXXX. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Due to the covid pandemic, there was a loss of income in my household that directly impacted my auto-pay from access to funds. I managed to make the payment late and when I tried to inform the company of the circumstances that led to the failed payment they would not listen. They marked it as a late payment and as a result my credit score went down almost 41 points. Its a really bad time but I am still able to make all my payments, even with the loss of income. They dont not treat people like human being, especially in the worst time of lives! They gave me an auto generated response, its like no human being works there and is aware of the unusual circumstances currently taking place in our society.
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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to portar.consumerance.gov 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 card or prepaid card

I obtained a Tidewater credit line from one agent in a XXXX XXXX store ( XXXX XXXX, MN ) in XX/XX/XXXX. While he quickly walked us through the terms, I believe he intentionally concealed / lied/was deceptive about interest and falsely represented this product to be interest free for one year upon which interest would resume on the balance. I signed up and paid without fail, over {$200.00} a month in hopes to pay off ASAP and avoid interest. When the year was up, they added {$500.00} of interest in the balance and warned to increase daily interest at 34 % daily if I don't pay immediately. I paid {$290.00} which was owed and requested to have the interest cancelled or resolvedas I believedI had been fraudulently misguided. 
They refusedandhave sincecalled several times harassing me and more recently ( XX/XX/XXXX ) an agent called XXXX ( ID ) called and asked me to use my stimulus pay to off the balance. At this time, they are refusing any attemptto resolve the issue of stop the interest accrueduntil the issue is adjudicated. 
I am writing in hopes that you are able to intervene in any way to prevent furtherdistress and offer relief to me as their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.
Product: Debt collection

This debt popped up on my credit account today I never received notification that this debt existed or to verify by law creditor is to A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered Also, if you have received a validation notice about a debt from a debt collector, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.
Product: Debt collection

violation of my rights. I have no contract with this company, and they continue to accurately report this account to the credit bureaus. They are attempting to collect a debt not owed! Again, I have no contract with this company
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am XXXX XXXX permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES INCLUDED IN DISPUTE NOT TIED UP TO POSITIVE ACCOUNTS XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : An account opened at XXXX XXXX  on XX/XX/XXXX, A credit card account opened with XXXX XXXX  opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but they continue to violate the FCRA by reporting erroneous information in my credit reports. The erroneous information comes from 3 collection agencies that I do not owe : XXXX XXXX for {$960.00} and a XXXX XXXX XXXX for {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year Discover Financial did an unauthorize Hard Inquiry towards my credit resulting in the lowering of my credit score.  During that time my spouse did apply for a loan by herself only and as the sole applicant. XXXX XXXX her contact person for Discover said that due to her applying for a loan that they have to pull my credit also, which i strongly disagree with. Bottom line now is that they refused to remove the inquiry and that is why I'm asking for your help to intervene and make them remove the inquiry on my credit report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

It has been about XXXX years now that my money has been locked up weve been mowed they have locked my account stating that it was improper use that I wouldnt be able to get back into the account until XXXX days I transfer money from my regular account which was XXXX XXXX XXXX  my bank account has my name my nameXXXX if they were to do any investigation they would have known that its been over XXXX days and they still will not let me get into the account or lease my funds over XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX