23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our home flooded the beginning of May and we have been having issues with the mortgage insurance getting money from them to finish the home repairs. We were told that the repairs needed to be 90 % completed to receive final funds. We requested the inspection and the inspector confirmed that more than 90 % of repairs were made. We called to get the remaining funds and were told that repairs had to be XXXX % complete to release funds. Since then we have completed 100 % of repairs OUT OF POCKET. We requested another inspection and have been waiting for more than 2 weeks and have not been contacted. I called the insurance department and the inspection request was never made. We are out of pocket several thousand dollars at this point and have had to file bankruptcy so that they wouldnt foreclose on the house. I want the check to be made out to myself and husband immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXcurrent please see docs attached company has violated 20 usc 1232g ( b ) the family educational rights and privacy act, that protects the privacy of student education records.
Product: Mortgage

Shel point mortgage is asking for bank statements and a letter hardship for COVID 19. 

I called and stated I have a COVID hardship. I was requesting an Forbearance extension and never had to submit this documentation before, so why has it changed. these times are very difficulty and i truly wish Shell Point Mortgage would educate their employees on the correct protocol due to COVID 19. 

The investor of my mortgage is XXXX Bank and I checked their website and they follow the same procedures as the CARES ACT, so why is Shell Point Mortgage asking for this information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a balance of 4000 plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. Discover has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges Discover is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew Discover would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against Discover now using this CFPB service. They still have not done anything.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED ( 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: Debt collection

The collection agency Source Receivables has been trying to collect a debt from me that was bought from XXXX as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit report under a collection/charge off. I do not have a contract between myself and a third party with the agreement that I owe them money. The supposed original agreement is between myself and XXXX but no original paperwork has been sent to me with my signature for a valid debt validation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to find multiple inquiries from your company that I never authorized. This unauthorized activity is severely impacting my credit score and causing extreme stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. EQUIFAX is reporting 7 inaccurate late payments for 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  and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am requesting investigation to a Bankruptcy that is on my credit report, I was never notified of a bankruptcy reporting which is a violation of my FCRA right..Bankruptcy is not Reporting on My other reporting, I requested information from the bankrutcy court of reporting to credit agencies below I will attach necessary paper work..i ask that this bankruptcy be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Capital one bank USA reported unrecognized hard inquiry on my XXXX   credit report
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

I had a Business Account in Chase Bank and On XX/XX/2023 Evening my Chase Bank Business Account was closed even though in the same day morning I spoke to Bank and everything was fine. I received payments from my Clients and I also transfer amounts to my partners and employees as usual conduct of Business. Im also going to attach the evidence of legit payments I received from my clients but Chase Close my account by citing Suspicious Activity and didnt provide any reason. Next Morning I went to Chase Bank Branch and heard same thing and also heard that I can never open an account in Chase for a life time and that they just close my account which is a complete humiliation and discrimination against an innocent customer. My account and business wasnt involved in any kind of wrongdoing but dont know why got a humiliated treatment from Bank . I even tried to show them documentations to prove my point but they refused to listen or see anything. I really want CFPB to take action against this financial institution for humiliating and discriminating a customer for no reason at all.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 been disputing the accuracy of the records from this company using the law, 15 USC 1692, on or around XX/XX/2021. Midland Funding LLC sent two letters attempting to collect a debt that I do not owe in the amount in the amount of {$470.00}. the letters were dated for XX/XX/2021 and XX/XX/2021 both letters State that the company has proof of verification from XXXX XXXX, the proof does not show validation. I received these letters on XX/XX/2021 I sent Midland Funding LLC a cease and desist letter on XX/XX/2021 through certified mail with a green receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX  XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 

XXXX  XXXX Account # XXXX
Product: Checking or savings account

I previously submittted COMPLAINT XXXX. It was particially resolved and I see that it has been cancelled when there is still {$7800.00} still remaining from three unathorized ACH transactions from Wells Fargo to pay credit cards of an unknown party named XXXX XXXX XXXX XXXX XXXX. Wells Fargo had previously closed this case # XXXX how CFPB was able to get a partial refund of {$9000.00}. Thank you for your making this happen. The Enterprise Complaints Management Office of Wells Fargo contacted me via letter regarding CFPB 's inquiry to my first complaint. They gave a name of a person to call and a phone number. I left two messages to talk with the bank to get the remaining stolen funds reimbursted but I have not gotten a call back. I have had several non responsces for Wells and would like your help to make sure they are not ignoring this matter. Thank You
Product: Credit reporting or other personal consumer reports

I am writing again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 

I have also directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am puzzled as to why these accounts are still being reported by your bureau.

It is crucial to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.

I request that you promptly eliminate these accounts from my credit report, in line with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Fraudulent charges were made to our card and a new card is being issued. Our current card is now cancelled but the card won't arrive for 2 days. We have purchases we need to make on our credit card tomorrow but we now have no way of making them. We asked to have the new card overnighted but were told that is not an option. We also asked if we could be provided with the new card number through a secure method of communication but were also told no.
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 {$320.00}, {$0.00}, {$550.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several errors on my credit report with each of the three major credit bureaus, including Experian. I have sent several certified letters over the past year and Experian continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/2022 and it was received by Experian on XX/XX/2022. I attached the certified tracking receipt for reference ( XXXX ). Unfortunately, it has been several months and I have yet to receive a response.Their failure to respond has grossly exceeded the allotted thirty-day time limit, which is in direct violation of my rights. 

I am understandably very frustrated that this has happened and can not believe that the credit bureaus would let something like this go unresolved for so long. I have spent hours diligently reviewing my credit and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving the bureaus ample time to remedy the errors in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require good credit in order to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that Experian has not responded to my dispute within the required window of time. It is well within my right to request that the items in question be deleted and removed from my credit profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.
Product: Money transfer, virtual currency, or money service

A transfer was made in my account which I did not do. I called to dispute it nothing happened.
Product: Debt collection

CAPITAL ONE BANK USA N {$2000.00} Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Credit Card IVE previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Product: Checking or savings account

I checked my spending account transactions, & I noticed that there were 4 unauthorized Transactions that was taken place on my account. The first transaction taken place on XX/XX/2022, for a total of {$220.00} to the merchant of " XXXX XXXX XXXX ''. Then there was a second transaction with the same merchant on the same day on XX/XX/2022 for a total of {$170.00}. Then there were 2 other transactions that I noticed that I didnt authorize, on XX/XX/2022, XXXX of the transactions for {$350.00} and the other transaction of {$260.00} to the merchant of " XXXX ''. I am currently banking with Chime. I filed a Dispute for these 4 transactions but was denied of my dispute saying that " There was no error occured ''.
Product: Debt collection

I lived in the apartments XXXX XXXX and one day someone was visiting my apartment and they hit her gate coming in or out. The apartment have video of the person who hit the gate and know that it was not me and also that they were not a resident of my apartment just someone stopping by. I have disputed this debt as well as provided the person who did hit the gate name which is XXXX XXXX she should be responsible for this debt as I explained to the apartments. They have a clear video of this lady hitting the gate and have continued to be a nuisance on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : XXXX XXXX XXXX  # XXXX
Product: Debt collection

As per the credit reporting agencies, the date this account was opened with Southwest Credit Systems was on XX/XX/2022 ( in the amount of {$550.00} ). There was no correspondence sent to me from this company explaining my rights or steps to take concerning this alleged debt. On XX/XX/2022 this account was posted to my credit file harming my reputation and dropping my score more than 20+ points. I have reached out to the company in reference to this account and their violating of federal law 15 U.S.C.
Product: Credit reporting or other personal consumer reports

REMOVE THESE HARD INQUIRIES : XXXX  XXXX XXXX, XXXX, XXXX. I did not apply for credit with these companies, nor did I provide authorization for them to access my credit file. Under the FCRA, hard inquiries require consumer consent. Since I did not grant such consent, these inquiries are unauthorized and should be removed immediately.
Product: Checking or savings account

My account was hacked and now I am negative XXXX in my account and the bank said they won't refund my account. I did not authorize any transactions.