23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX AXXXX XXXX, Account Number XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, XXXX, Account Number XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Transunion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

I had a credit account with first progress card. the account went into a charge off/ collection. I paid the bill 0f XXXX in full and first progress is refusing to update the information with all 3 credit bureau. I have full evidence that I have paid the money. I have a photo of my receipt.
Product: Mortgage

I was in forbearance for 18 months. I want to start making mortgage payments as I am now working. 
I called the company and was told I had 3 option 1. Pay the full past due amount 2. Pay a little more on my mortgage every month for the duration of the loan 3 .lastly move the past due to the end of the loan and then add 18 months Problem is this hot changed and Im now for e to agreed to their new plan 1. Pay the past due in full 3 or pay {$200.00} more on my mortgage every month but then they adding more interest on the past due amount that already includes interest and on top of that they added XXXX more pAyment of the new amount and Im told take it or we foreclose your home. They are not willing to negotiate.
Product: Mortgage

I started the refinancing loan process on XX/XX/2020 with Mortgage Bank of California via XXXX XXXX. Today is XX/XX/2020 and the refinance is still not done. During this time due to the poor handling and time management of the refinance, I have turned in every document requested within 24 hrs. Many times within in one hour. Due to the delay, they have constantly pulled my credit report, causing irrevocable damage to my credit score. So far there have been 3 pulls against my credit due to we are now going into the XXXX month of this process. As well, my current mortgage that was in good standing due to the loan had not come to maturity has now matured, again causing major damage to my credit. Items requested by both XXXX XXXX and XXXX XXXX have been unorganized request, duplicate request of items already turned in and not concise at all. To be honest I am very concerned about the banking practices of this institution and really have been destroyed mentally, emotionally and credit wise by this unprofessional process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

My husband and I refinanced in XXXX ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In XXXX, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my XXXX income and private XXXX income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in XXXX and again in XXXX, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my XXXX income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans.
Product: Credit card or prepaid card

a ) On XX/XX/2019 I ordered a XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds this is a huge heavy sewing cabinet double doors shelves drawers,,,, {$190.00} a. Photos of the advertisement printed from the internet readily available to your office b. I also have printed out the purchase document c. Printed out the receipt from seller dated XX/XX/2019 stating that they were processing the order b ) XX/XX/2019 I began calling and sending emails requesting when I could expect delivery of the XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds ) again emails can be easily forwarded to you c ) Late XX/XX/2019 I called Chase disputing the charge telling Chase I had not received my shipment and the seller was no longer available to contact again I have the Chase Credit Card billing showing the date the temporary credit was issued d ) XX/XX/XXXX Chase I received a request of information letter why the charge was disputed I filled out the request information documenting the sequence of events stating again I had not received the XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds a. I called Chase asking for specifics was told to send asap my email and mail which I did that day b. Next day I called Chase to verify they had received the email with the request and documentation attached I was told the hadnt AGAIN A SECOND TIME I sent email request and documents attached e ) XX/XX/2019 Chase again denied the dispute and reversed the temporary credit placing the {$190.00} charge back on my account f ) I went to the nearest local Chase Bank location seeking assistance and was told by the bank office ( I have her business card ) that by Texas State law I would be required to pay because the law states as long as you receive something/anything you pay g ) Some time XX/XX/2019 I received a package from the seller a 3 inch sponge the package was shipper described mobile phone holder 3 1/2 inch sponge maybe weighing 1 oz h ) Subsequent to XX/XX/2019 Chase has turned me into credit bureaus for failure to pay monthly payment, late payments ran up {$600.00} in late fees and interest contacted our relatives seeking access to us i ) ******** As I told Chase last XXXX the seller XXXX is listed on national and international website as a international crook scam after scam after scam ************ j ) I now have close to 100 pages of documents and photos, NOT SURE WHICH IS THE BIGGEST INTERNATIONAL THIEF AND INTERNATIOL CROOK XXXX  OR CHASE!!!
Product: Mortgage

On XX/XX/2023, at approximately XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Complainant '' ), received a phone call from PNC Bank representative XXXX XXXX XXXX XXXX XXXX XXXX of Customer Relations. XXXX XXXX, informed the Complainant that PNC Bank was in receipt of the Complainant 's filed against PNC Bank on XX/XX/2023. However, the PNC Bank representative went on to discuss actions PNC Bank took in another complaint filed against it by the Complainant. The PNC Bank representative made the bogus assertion : " XXXX XXXX, PNC applied the {$3700.00} of over payments you made, to your principle balance. '' Although difficult to do. The XXXX held his tongue in check. The Flex Modification over payment of {$3700.00}, made by the Complainant " XXXX '' be applied toward his mortgage not his principle balance. The Flex Modification is a " CONTRACT '' entered into between the Complainant and Fannie Mae, and not some XXXX Bank whose only goal is to fleece the public. Yes. It has become personal. PNC Bank has XXXX 's full attention. PNC Bank 's malfeasance, the misappropriation of the XXXX 's Flex Modification over payments is violative of contract law as well as the XXXX 's right to due process, in violation of his right of equal protection under the law. The XXXX 's over payments-payments coerced by PNC Bank XXXX SHALL be applied to the XXXX 's mortgage, not to his principle balance. As if the Complainant actually believes the defendants who have consistently engaged in fraudulent and deceptive practices from the very beginning Fannie Mae hired these predictors.
Product: Checking or savings account

This is a copy of the letter I sent to the manager at my local Bank of America branch, after having spent several months trying to get them to pay me the bonus amount as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX, CA XXXX Dear Sir ( s ), Ref : Advantage Bonus Savings Account Ending in XXXX I am writing to you with reference to the above account which I opened in person at your XXXX XXXX XXXX branch in XXXX, CA in early XX/XX/XXXX, as despite numerous visits to the branch, phone calls and emails to XXXX XXXX, I am still awaiting my bonus that was due at the end of XX/XX/XXXX. 
During the summer of last year, I received a promotional online notification stating that if I opened an Advantage Savings account and deposited {$20000.00}, I would in turn receive a {$250.00} bonus after 90 days. Initially, I tried to open this myself online but continually received an error. As a result, I went into the above mentioned branch and with the assistance of both Mr. XXXX and the branch manager ( XXXX? ), I opened the account and was assured that the {$250.00} bonus would be in my account after the 90 days. 
On XXXX XX/XX/XXXX, I transferred my {$20000.00} into the BofA Advantage account and there it sat until XXXX when I realized I had not yet seen the bonus. I went into the branch three times to speak to Mr. XXXX, I emailed him at least 6 times with no answer, and called into the branch. One time Mr XXXX did actually return my call and assured me that the money would be in my account after 14 days. That was in XXXX. The money never did show up and since that time I have continued to call to ask when I might receive it. Now the branch is temporarily closed, for how long I have no idea. 
As you can imagine, this is very frustrating. Ive been a loyal client since XXXX and could have earned interest elsewhere with my {$200000.00}, including XXXX XXXX, who at the time were running a similar promotion. Needless to say, I chose BofA as Ive always been happy with the service I have received. I am enclosing documentation of my attempts to rectify this, and would very much appreciate your immediate attention to resolving this matter. 
I look forward to hearing from you very soon. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXXwas untair anodeceptive, as they didinot '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

I filed a complaint with Trans Union XXXXIt is for XXXX Account # XXXX. I received a letter stating if payed by a certain date XXXX/XXXX/15 the settlement amount it would be cleared. The amount to settle account was {$120.00}. It was payed directly to them by phone and taken from our account XXXX/XXXX/15. It was then put on to my Credit account with Trans Union then after being payed, that saying I owed {$420.00}. This severely lowered my credit score. It was n't even on there before. I have a copy of letter sent by company to me and proof it was payed. I have never heard back from Trans Union.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its 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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal Law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXXXXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) .

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my 4th attempt to get answers. XXXX has responded with documentation stating that have verified a Bankrupt with LexisNexis on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I perviously reached out to LexisNexis about this matter which on XXXX, XXXXXXXX XXXX LexisNexis responded with a letter stating they have removed Bankruptcy from its file. So my question to LexisNexis is have you continued to verify this Bankruptcy after XXXX, XXXX XXXX to XXXX if so what verification method was used! please respond on this plate form!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX, and Equifax to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. XXXX and Equifax said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, XXXX and Equifax will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 scams.transactions was unteasibie. ine CFPB 's finings indicate that eile 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the last few years the named company above has constantly called me and sent me collection notices for a XXXX XXXX XXXX who is a friends ' ex-husband. I have called them many times over the course of several years to tell them this person does not, and has not ever, lived with me and to cease their calls and letters. I just moved and once again these people are harrassing me for a debt that isn't even in my name.