23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I sent XXXX XXXX XXXX a certified letter on XX/XX/2016 and requested proof that the debt and the account was mine ( signature, etc. per law ) I received a response saying that could not provide proof, as the account was opened online and that they would not be responding to anymore inquiries.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in lights of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous of times and disputing discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking this transaction were unfeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern a about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express continues to call me at work ( due to late payment ) 3-5 times a day. I informed them the first time they called that I can not receive these phone calls at work and provided them with my cell phone number. As of this afternoon, the calls continue to come in. My employer is not happy and I have already been verbally reprimanded for these calls.
Product: Vehicle loan or lease

This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment. 
On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a payment.
Product: Credit card or prepaid card

i made a purchase on XXXX XXXX 2022 for a security camera. received it XXXX read the privacy policy, i did not agree to it so I can not use the camera. i filed a dispute on XX/XX/2022 XXXX returned the camera on XX/XX/2022. I sent all documents to Capital One on their secure site that they sent me XXXX they kept telling me they did not receive all the correct documents, but would not say exactly what else they needed. now they say its past the 60 day and they cant do anything. I have contacted the seller on 4 occasions and they dont respond. 
also this seems to be very common with Capital One as there are many reviews that state the same thing of keep saying there is not enough documentation until the time has passed their 60 days
Product: Debt collection

I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD PREVIOUSLY DISPUTED THIS ACCOUNT AND ASKED FOR DEBT VALIDATION BUT NEVER RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP.
Product: Credit card

I applied for a Credit card with U.S. Bank and was approved for {$1000.00}. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representative told me the card was the wrong credit card for me. Yhey are using my good credit to hold me as hostage to this credit card knowing it will hurt my credit report. So now I 'm XXXX if I do and XXXX if I do n't. If I keep the card it will hurt my credit report and if I tell them to close an account I did n't open it will hurt my credit report. Is n't that what the " Consumer Financial Protection Bureau. I have a XXXX credit score and now it will be damaged by U.S.Bank because they are greedy and do n't do the right thing for consumers.
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. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX BANK account # XXXX NOT MINE XXXX XXXX XXXX Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Product: Debt collection

XX/XX/2020 third party collector called and hung up in my face from a local telephone number. Contacted them back by being transferred through Ally Bank automated system to advise them that I had GAP coverage and that the almost {$13000.00} balance shouldve been directed back to the manufacturer or dealership ; the collector wouldnt listen and told me to go back and contact the dealer or manufacturer. See all 3 attachments that reflect GAP insurance was purchased. 
XXXX Warning : not a service member, veteran, dependent, or spouse )
Product: Credit reporting or other personal consumer reports

I asked the company multiple notices requesting a full account accounting per 12 CFR 1026.13. Provide details promptly or remove the account and its still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have been trying to get my account unlocked with Navy Federal, I took all the steps they asked me to and they are STILL refusing to give me my money. My tax refund is about to get deposited along with my paycheck i am a single mother with a XXXX year old and this is the only money i have they wont give me an update as to whats going on or why I cant get my money. If i cant resolve this soon i will not be able to pay my rent and my child and I will be homeless
Product: Mortgage

My mortgage was held by XXXX from XX/XX/XXXX until earlier this year when it was sold to Freedom Mortgage ( hereafter referred to as FM ). At the time of this transition, I received correspondence from FM confirming payments would continue through the equity accelerator program ( see attached correspondence ). I also called FM to be sure my payments have been received from XXXX. 

Within two months of FM taking over my mortgage, I began receiving letters from FM declaring I was delinquent on my account. I called FM and was told FM had received all of the payments from XXXX and there was no problem ; however, I continued to receive letters declaring I was delinquent on my account - AND YET WITHDRAWLS WERE BEING MADE AS THEY ALWAYS HAVE BEEN ( see attached statement from my Bank ). 
NOW, Im receiving letters from FM threatening foreclosure and my excellent FICO Score has been negatively impacted! 
I was finally able to reach XXXX XXXX and have ordered them to stop withdrawing payments from my bank account. Beginning with my XX/XX/XXXX payment, I will send my mortgage payments directly to FM. 
I have called FM repeatedly to rectify this situation to no avail and am now contacting the XXXX and credit reporting agencies.
Product: Vehicle loan or lease

On XX/XX/XXXX, I lost my home and Business in a XXXX. I contacted Bank of America regarding the situation and asked for relief. I was told I would be given a 3 month deferral which never happened. Because of this, I was well behind in payments. On XX/XX/XXXXXXXX XXXX XXXX XXXX, I made a payment of {$2500.00} and was told that would bring my account current through XX/XX/XXXX. On XX/XX/XXXX, my vehicle was repossessed without ever receiving any type of communication from Bank of America. After this happened, I contacted them immediately and was told my only option to resolve this was to pay off the total balance of my {$85000.00} truck by paying {$7600.00} plus a repossess fee of {$630.00} for a total of {$8200.00}. I was told several ways to make payment. This morning, I called Bank of America directly to get the wire transfer information as that was one of the options I was given. After completing the transaction of a {$8200.00} wire transfer, I called Bank Of America as they requested. It was at this time, the employee XXXX XXXX informed me this was not an acceptable payment form and she needed to contact her supervisor. The supervisor XXXX XXXX XXXX XXXX  relay to me that a wire transfer was NOT verified funds so I would have to wait at least 7 days for the funds to be verified and applied to my account before a release would be authorized. I called back again an hour later and spoke with a very rude female with an attitude and upon requesting to speak to a supervisor i was put on hold and later informed the only supervisor was in a meeting and would call me back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my XXXX XXXX account ( Account Number : XXXX ). Specifically, the account reflects a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, which are erroneous and negatively impact my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false, as I have maintained a consistent on-time payment history through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : The failure to correct these inaccuracies breaches the Fair Credit Reporting Act, which mandates accuracy in consumer credit reports.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment information could qualify as a misleading or deceptive act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires that all payment and account information be accurate.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements exposes the responsible parties to legal penalties. 
Summary of Discrepancies Experian : Reported 30-day late payment for XX/XX/XXXX and 60-day late payment for XX/XX/XXXX. 
These late payments are inaccurate, as payments were made on time. 
Requested Resolution : I request the following actions : Investigate the inaccuracies and remove the erroneous late payment entries. 
Update my credit file to accurately reflect my history of on-time payments. 
Provide written confirmation of the corrections within 30 days, as mandated by the FCRA. 
Enclosed, you will find copies of supporting documentation to substantiate my claims. Please address this issue promptly to prevent further actions. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Closed on my home in XXXX. Prior to closing I was advised I needed to purchase flood insurance. I called around for prices, FEMA policy was almost XXXX dollars. I was not going to purchase my home due to this amount. I found cheaper flood insurance through a private flood carrier. Closed on the home. In XXXX of XXXX I completed a streamline refinance, everything went well no changes except my APR. fast forward to approx a month ago I receive a letter from my mortgage company advising my current flood policy is not acceptable and I will need to find NFIP insurance ( FEMA ) prior to XX/XX/XXXX or I will have forced insurance selected by the mortgage company. After back and forth with plenty of supervisors and reps the end result was this is an FHA requirement and it was an error that should have been found at my initial closing, each year after and at the refinance. This error by everyone involved will cost be more yearly and monthly as the policy is a XXXX XXXX more. I have received conflicting information from each representative I spoke with. Every time I speak to someone I receive a different answer as to why I received this letter. 
I want a email documented as to how this policy was acceptable since the purchase of my home in XXXX and all the way to XXXX. There was no change to FHA requirements recently which explains why a MANAGER advised me this was an error on everyone who was involved. Which I want emailed to me and have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 major credit bureaus, by disputing inaccurate information on my credit reports and I have received no response, in 30-to 45 days, as stated in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been filling disputes of these issues since XXXX. Nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

For all three credit bureaus I spoke to them to see if I can get Santander consumer removed off of my credit report which was a previous loan back in 2010 It was charged off but it has been more than seven years and they will not remove it from my credit report also XXXX XXXX XXXX XXXX it has been more than seven years and I also tried to get it removed off my report and they will not remove it I want both of these removed
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 


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 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items appearing on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent paystub with my current address. 

In my letter, I requested specific details about the verification process, including : Details on how the disputed item was verified. 
The date when XXXX contacted the creditor and furnisher. 
Contact information for the creditor and furnisher. 
The name of the individual who verified the item. 
The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
To date, Equifax has not provided any response or results regarding this dispute, even though more than 30 days have passed. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation and report back to the consumer. 
Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. I am including a copy of my dispute letter sent to Equifax as evidence to support my claim.
Product: Mortgage

My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE FRAUD INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022