23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This company contacted me after I was looking for a loan. After they asked me for my user name and password in witch I sure supplied and after already being approved they then went into saying they was going to put some money in my account and take it out then submit the loan I changed my password to my bank account. Currently monitoring my account but they do have access to all my information
Product: Credit reporting or other personal consumer reports

Experian has listed inaccurate unverified information on my consumer report. An Auto Loan and personal loan by XXXX XXXX XXXX XXXX which is a direct result of Identify Theft. They have also listed unverified inaccurate and fraudulent evictions from addresses I've never lived. I have contacted the XXXX XXXX XXXX and XXXX XXXX XXXX and they have informed me that the cases filed belong to a XXXX XXXX with no SSN social security information provided. This is obviously someone else with the same name as me. This is also a direct violation of my rights under the Fairs Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reports my acct past due, this is inaccurate i get no reply from  XXXX  the credit agencies are ignoring my requests
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im frustrated after finding unauthorized inquiries on my credit report this morning. I dont know why theyre there. I checked my report as usual, saw discrepancies, and refreshed the browser, but the issue wasnt resolved. Please review the documents Ive submitted urgently to address this matter.
Product: Money transfer, virtual currency, or money service

I am wrkng taio rmall presiny concerns regarding Zelle 's handing 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 scams.
Product: Mortgage

Ditech performed an inaccurate Escrow analysis on my home and has increased my mortgage amount over the past two year s.      XXXX   County refunded Ditech {$2100.00} that was the amount of the over payment and the company has still not d isbursed my funds.     They also are not processing my mortgage payments because my payment amount is not the same as their overestimated mortgage amount that they have just increased on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw on a recent pull of my credit report that there was XXXX late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company COMENITYCAPITAL and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. 

I filed a dispute with all 3 reporting agencies. XXXX 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. 

ID Theft Report from the FTC is attached.
Product: Payday loan, title loan, or personal loan

On the date XX/XX/2019 am open account of a loan was removed from my credit repot as a despus and I wanted to undo that despute which was an error I tried going all over the internet trying to see if I can have it put back in my credit report so I can also get the credit for it as well all my payments for the personal loan I got have still been made on time and will keep being on time if I could have a response to how can I can resolve the issue I will appreciate it -Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover Card several times about this matter, Discover is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but Discover had not done that at all.Not happy with the Discover Card company
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing 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 claim adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPBs finding 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 or other personal consumer reports

Hello My name is XXXX XXXX. I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2020 ) ( XX/XX/2020 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to Equifax on XX/XX/2024 asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they sent me their Investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified.

The consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have attached proof of my identity.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXXXXXX # XXXX - Opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not responded in timely manner. They also are in violation under the FCRA for verifying this debt as mine without proper validation. They have not provided wet signature
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card, balance XXXX XXXX  This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX  credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account
Product: Money transfer, virtual currency, or money service

I sent {$520.00} via  Chase Quick  Pay on    XXXX   XXXX  , 2  017.  Afterwards, Chase sent me  two telephone messages and one e mail asking me to confirm that I did send the money. I called  XXXX , the number provided by Chase confirming I sent the money. Then, I got another call from Chase asking me to call Chase regarding money movement.     In the meanwhile, i found out that my chase account online access has been suspended. I called Chase asking what is going on. Chase told me that it has to verify my identity. I provided my cell phone number, Chase said it is not registered even thought I have received routine messages from Chase regarding my account. Then, I asked Chase whether it could send code to my email. I was told Chase is unable to send email.     I was told to bri ng two I Ds to  Chase  local branch to verify myself. Otherwise, the online access could not been restored. Chase does n't have the ability to send email, could n't locate my cellphone number. As the result, I have to take  two h ours of my busy life to go to local branch to verify myself.     It is time to change banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company Capital Management is collecting on behalf of XXXX XXXX, and has been calling my phone repeatedly back to back. On XX/XX/18 the company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 



According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

Do not have any association with this company.. Have never done any business with this company
Product: Credit card or prepaid card

There was a fraudulent charge made on my credit card on XX/XX/XXXX. I disputed it immediately. Chase listened to my situation, and said they will be able to handle it without issue since it is clearly fraud. The situation was that a merchant, XXXX, charged my credit card without my consent while my account with them was closed for over a week. There was no way I could have authorized that charge. Also, I had opened up a dispute with that merchant regarding a purchase I did not receive earlier that month. Chase did resolve that issue for me. However, for this fraudulent charge, I was told on XX/XX/XXXX that they can not claim it as fraud because I had a previous relationship with the merchant. That makes no sense. If someone stayed at a hotel before, and then gets charged again a week later when they did not authorize it, that does not mean it isn't fraud because they stayed there before. Now, that representative said they will put the charge of {$3300.00} back on my card because they need to open it as a dispute against the merchant like my other charges. However, that makes no sense because again, I did not authorize the purchase for anything for this amount, so there is nothing to dispute other than a fraudulent charge. Their reasoning is hypocritical. I gave them a chance after escalating other claims on my other cards before, which they resolved. But since this unsatisfactory work and severely inconvenient process is happening again, I will be closing all my chase accounts if this does not get resolved. If this case should have been opened as another claim, they should have told me back in XX/XX/XXXX so that it can be resolved by now. Now, I have to wait another 2 months for a resolution which may not be in my favor because the circumstances in which they are disputing it is incorrect. I will make this and all other frustrations I had with Chase public to all forums, review sites, and personal contacts. Not only is the process not working to help me, their employees have been unprofessional. The specific employee who says my charge is not fraud for reasons that make no sense is XXXX ( XXXX ext XXXX ). I also want her to be punished for incorrectly assessing my situation. My attachments ( screenshots of my account before it was closed ) also show that the merchant XXXX never gave me anything for my previous purchases, and there is no reason why they should have charged my credit card any amount without my consent after my account with them was closed.
Product: Consumer Loan

Synchrony Bank. I got a credit card for XXXX XXXX, for a mattress, and I got a card for rings at XXXX. Synchrony set the minimum payment for mattress at {$25.00} per month. I paid diligently on BOTH in excess of minimum and well before deadline. 
Still, Synchrony 's shell game is to tell various lies in order to build in permanently their BOGUS LATE FEES. They are intractable. 
I ca n't remedy their scam, and would end up paying thousands! I need fraud prevention help. I stopped paying until settled. 
Please intervene! Thanks!
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXX 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Debt collection

I have had an active account with XXXX XXXX for about 3 years. I have refinanced my loan a couple times during this timeframe. Until XX/XX/2023, I have not missed a payment. Since XXXX, however, I have run into financial difficulty, and have not been able to make my payments. 

In XXXX, I advised the branch of my difficulties and whether there were any hardship options. They advised they could defer my payment once, so XXXX 's payment was deferred. 

In XXXX, again spoke to the branch and asked about XXXX options. They advised about refinancing my loan, or to get a title loan. Neither of those options were doable. 

Since XXXX, I have spoken to the branch often, advising my financial situation has not changed. I would make small payments when I could, in the amounts of {$25.00} or {$50.00}. In XXXX, the branch asked that I call every XXXX to check in. I did this as they asked. 

In XXXX I began making several smaller payments, trying to reach the amount due, I also tried this in XXXX. When I spoke to the branch in XXXX, they said that the small payments really aren't doing anything, that my loan is continuing to fall behind, and at this point will probably be charged off by end of XXXX if I don't make substantial payments to catch up. I reiterated my request for a hardship option, and again was told this was not available. 

I asked for a number to the corporate office, and the branch gave me XXXX. I called the corporate office on XX/XX/2023 and provided background to my account, and my request for Hardship options. The agent I spoke with said she would pass my request to the " XXXX XXXX '', a gentleman by the name of XXXX, and I should hear from him within a couple days. I have not heard from him at all.
Product: Mortgage

I am divorced and listed my house for sell as as assumable loan in XXXX. My buyers decided to do the assumption and we began this process in XXXX. I was told it would take approx 6 months to close the assumption however we are now entering almost month XXXX and its still open! I call several times for updates or any information and get no answers. Im told the assumptions dept doesnt have a phone number to call but does have email yet they dont respond to them. 

They offer callbacks from that dept and I never get a call. The title company has even tried to reach out and can not get any information. They send mail that never comes and just keep requesting it be remailed. They can never tell me what the documents are! This is beyond frustrating!