23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX and Equifax is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. Equifax was not giving me credit for my mortgage XXXX that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX these credit bureaus are out of hand with this. Please help.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. 
OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, correction, or removal of the following erroneous information on my credit report. I'm looking forward that these will be fixed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry I did not authorize from SYNCB/ Lowes XXXX XXXX FL XXXX on XX/XX/2019. Initiated a XXXX XXXX dispute.
Product: Checking or savings account

I purchased XXXX items at one time and when I purchased the items, the vendor guaranteed me a certain price for shipping, which would be an additional cost so I agreed and I paid for the items and then he raised the shipping by several XXXX dollars now I could not purchase all of it at once I could pay for the XXXX bikes and one shipping and then I had to wait a month to pay the second shipping the first time I paid he sent the bike immediately and I had it within a week the second time I paid which Ive already waited an additional month for because he was price gouging me. My credit card company refused to stop the transaction and give me my money back and he refused to give me a refund so I was forced to pay the additional increased charges, despite his agreement in writing that it would be a certain amount or less so now Im waiting for my bike and it never comes so I call my credit card company again to dispute this transaction now because Ive only received one of the items they give me a provisional credit for the shipping but they tell me that the bike is a different kind of claim and Im not gon na receive a provisional credit for that and I said how hard is it to prove that he didnt ship the item very easy. He can show you the shipping information because he actually shipped it but he didnt ship the second one and now he cant because you gave the shipping money back so you wont give me the money back that you gave me the money back for the shipping so even if you wanted to cant ship it, so why cant I have the money or a provisional credit back for the bike itself if you gave it to me for the shipping which is part of the same claim so I can get another bike here now its been XXXX months and I cant replace the bike because they have my money ive called four times so far about this and all four times when I questioned them further about why would they give me the money back for the shipping so he cant ship me the bike but they wont give me the money back for the bike they hang up on me every single time
Product: Debt collection

I contacted the collection agency ( XXXX XXXX XXXX ) several times and they continue to tell me that they can not provide me with  proof/paperwork showing my ownership of a debt for {$500.00} with Speedy Cash taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from 2013. I am going in circles and this is my worse nightmare.
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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender, Amerihome Mortgage erroneously submitted a delinquent account for the period of 180 days in XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and data breach and these accounts are fraudulent and need to be removed from my credit report XXXXXXXX XXXX open XXXXXXXX balance {$2800.00} XXXX XXXX opened XXXX balance {$1000.00} XXXX XXXX  opened XXXX balance {$510.00} XXXX XXXX XXXX XXXX balance {$19000.00} XXXX XXXX open XXXX balance {$16000.00} XXXX XXXX open XXXX balance {$25000.00} XXXX XXXX XXXX  open XXXX balance {$140.00} XXXX XXXX XXXX open XXXX balance {$1100.00} And these Inquiries as well XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Debt collection

XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX  XX/XX/XXXX Closed Feed back provided XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX Closed Feedback provided XXXX XXXX reporting Problem with a credit reporting company 's investigation into an existing problem IC System XX/XX/XXXX This problem has been going on and needs to STOP! XXXX continues to send me to different collection companies regardless of previous outcomes. This is ruining my credit falsely and I'm not going to continue to submit what I've already submitted and disputed with each of the listed collection agencies. this is the second time IC Systems in XX/XX/XXXX. Please help me stop these tactics.
Product: Credit reporting or other personal consumer reports

I have attempted to have these accounts removed and yet they are still reflecting on my account. I have attached my FTC report for you to finally take matters seriously - because these inaccuracies are affecting my credit scores that I am unable to apply for new loans.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX XXXX Account Number : XXXX Credit Limit : {$3000.00} INQUIRIES : TRANSUNION ADVNTGE CRED on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.
Product: Credit card

Pay Pal holding my money and then putting me in collection for a {$3.00} negative balance.
Product: Vehicle loan or lease

On the XXXX XXXX XXXX XXXX, XXXX I signed a contract with XXXX XXXX XXXX XXXX XXXX to purchase XXXX  XXXX XXXX in XXXX XXXX XXXX at the price of {$83000.00}. I wish to cancel that contract because of the violations under Truth And Lending Act Chapter 15 U.S.C 1605. Section 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed indirectly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge does not include fees and amounts imposed by third party closing agents if the creditor does not require an imposition charge or the services provided and does not retain the charges. I went to XXXX XXXX XXXX XXXX XXXX for a Consumer Credit Transaction not a Retail Installment Sales Contract. Dealer fees and Documents fees are covered by the finance charge and should not be added by a third party ( XXXX XXXX XXXX XXXX XXXX ). When I was at XXXX XXXX XXXX XXXX XXXX they asked me if I had insurance because my gap insurance is supposed to be included in my finance fee. So why is there a {$1200.00} charge for Gap Insurance? According to section 1605 : Premium or other charges for any guarantee or insurance protecting the creditor against the obligators default or other credit loss. Which means XXXX XXXX XXXX XXXX XXXX has an insurance so the finance charge pays for the insurance that covers the Lenders/Creditors if I the consumer default ; In addition, my insurance is supposed to also be included. Which means that under Truth And Lending Act Chapter 15 U.S.C 1611 XXXX XXXX XXXX XXXX XXXX willingly and knowingly provided false information. Which now makes the contract inaccurate ( XXXX ). I sent a Notice of Rescission to J.P Morgan Chase Bank, N.A on the XXXX XXXX XXXX  XXXX, XXXX which is within the 3 day period from the date I signed for the loan. However, on the 2nd day of XX/XX/2023, J.P Morgan Chase Bank denied my right to rescind. Which is a violation of CFPB 1026.23. In addition to The Truth in Lending Act violations like Chapter 15 USC 1611 for knowingly and willingly providing false information, Violating Chapter 15 USC 1605 for adding fraudulent charges, violating Chapter 15 USC 1601b for not issuing all the proper disclosure upon signing ( Right to Rescind Documents and Permission to have this loan on my consumer report ), and Violating my right to rescind under the provisions of Sec. 348.111 of the Texas Finance code.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The mortgage was sold in XXXX to Truist and we did not receive notice. We finally received a certified letter and immediately called the new mortgage company to make a triple payment for the past due in the amount of {$5500.00} on XX/XX/XXXX. 

We then asked requested autopay be activated. Truist failed to set this up as requested. 

On XX/XX/XXXX we manually initiated a double payment for {$3700.00} and again requested autopay be activate. Truist failed to set this up as requested. 

On XX/XX/XXXX we again initiated a payment. This payment was deducted twice, a manual payment and an autopay payment. 

This account should be in good standing and the mortgage company is not acting in good faith as we are. 

We have no other issues and this delinquent payment is incorrect.
Product: Credit card

Dear Sir/Madam, I am writing to formally lodge a complaint against Citibank concerning an unauthorized charge on my Citi Rewards+ Card. Below are the details of the issue : Citibank Checking Account Number : XXXX Unauthorized Transaction Amount : {$69.00} Transaction Date : XX/XX/2024 Merchant : XXXX XXXX XXXX On XX/XX/2024, my card was charged {$69.00} by the merchant XXXX XXXX XXXX. I did not make this purchase, and it appears that my card details were stolen and used without my knowledge. 

I filed a dispute with Citi Bank as soon as I noticed the charge, explaining that I did not make this transaction. Unfortunately, after their investigation, the bank concluded that the charge was my responsibility. This decision is not only unfair but also incorrect, as I was not in the United States at the time of the transaction. I am currently residing outside the country, making it impossible for me to have used the card for this purchase. 

The purchase was made to buy an air ticket from XXXX XXXX, which further substantiates my claim of fraud. It is clear that someone else used my card details without my permission. 

I am requesting the Consumer Financial Protection Bureau to intervene in this matter. The bank 's refusal to recognize this transaction as fraudulent and their insistence on holding me accountable for a charge I did not make is unjust. I seek your assistance in resolving this issue and ensuring that the unauthorized charge is removed from my account. 

Moreover, I am experiencing significant difficulties accessing the dispute summary file provided by Citibank. Every time I attempt to open the document through their website, I receive an error message stating, " Looks like this document is temporarily unavailable right now. Please try again later. '' This issue has persisted for an extended period, making it impossible for me to review or understand any information related to this dispute. I have attached Screenshot of this error along with this complaint.

The mishandling of this dispute by Citibank has caused me considerable distress and inconvenience. Given these circumstances, I respectfully request the Consumer Financial Protection Bureau to intervene and help resolve this matter. I seek your assistance in ensuring that Citibank acknowledges this transaction as unauthorized and issues a refund for the disputed amount. 

Enclosed are copies of my correspondence with Citi Bank, including my initial dispute and their response. I am willing to provide any additional information or documentation that may be required to support my claim.

Thank you for your attention to this matter. I am hopeful that the CFPB will be able to facilitate a fair resolution. 

Sincerely, XXXX XXXX
Product: Student loan

The Loan Servicer Mohela has " lost '' my payment history and has reverted my balance to XX/XX/2023 ( over {$5000.00} higher than the correct amount ). Despite many attempts and over XXXX hours on the phone, I can not get ahold of anyone with the agency to fix Mohela 's mistake. Meanwhile, I am being charge interest on this incorrect balance every day. I need help holding Mohela accountable for not only mismanaging my loan, but not responding to my attempts help them fix it. 

I have bank statement evidence of payments made to Mohela that Mohela has lost and I have photo evidence of the previous balance before they lost the payment history. I also have evidence of my repeated attempts to resolve this over the phone and via email/document upload.
Product: Credit card

On XX/XX/year>, I called XXXX credit card company to ask if they could assist me in anyway while I'm experiencing a financial hardship, I was told that I would receive an email about my request within XXXX hours, I then opted out of the autopay on the account, I never received any email. 
On XX/XX/year>, a payment was taken out of my checking account, I called to inquire about the hardship and how they were able to deduct money from my account without being enrolled in the autopay, I was then told by chat that they could do nothing for me concerning my financial hardship and they had no answer about how money was with drawn from my account being that I was no longer enrolled in the autopay, I then deleted my checking account information from the XXXX system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name COMMONWEALTH OF VA Account # XXXX 15 USC 1681 SECTION 602A STATES THAT I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACOUNT WITHOUT MY WRITTEN INSTRUCTION. 
I DID NOT GIVE ANY WRITTEN CONSENT TO VA DEPT OF SOCIAL SVS 15 USC 1681c ( a ) ( 5 ) STATES 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. Code 1681s2 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. 

15 US Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; TRANSACTIONS OR EXPERIENCES BETWEEN A PERSON AND CONSUMER ARE EXPLICITLY EXCLUDED FROM CONSUMER REPORTS UNDER THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Equifax has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Equifax, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX