23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX from Applied Resolution called my office line stating I need to call him and discuss about my XXXX account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with XXXX, so I pulled my credit report to see if someone stole my identity. I did not see any XXXX loan on my credit also. When I told them that I do n't have any account with XXXX they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.
Product: Credit card

Someone fraudulently applied to Amazon/Chase Bank for a credit card against my Chase account. On XX/XX/XXXX Chase ran a credit check, then approved an Amazon Visa credit card. XXXX notified me of the credit check. I called Chase,, they deleted the card before any charges were accepted. The only personal data breach I can recall is the XXXX issue regarding XXXX accounts that they reported compromised some months ago.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Former girlfriends daughter took out credit without m permission or approval in 2009 which is past the 7 year statue of limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX   are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Checking or savings account

Someone hacked into my bank account I went to the atm and XXXX dollars was XXXX  out of my account I was never notified about it I was out of town when it happened I got into town went to the atm to take out money and XXXX was gone I called my bank later they said it was authorized and I told them it wasnt me it wasnt on my phone or anything on my side I didnt know but they refused to go and stop the payment that I never authorized it happened on XX/XX/ this person tried to get into my account before on XX/XX/2023 for the same amount but that time fraud unit called me before they would authorize it I told them it wasnt me they stopped it but this last time I wasnt notified and they approved
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. 
However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX. Failure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. 
Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX. Failure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX. Failure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 
Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : XXXX. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a statement in the mail from Bank of America XXXX XXXX XXXX XXXX, DE XXXX with customer service number listed as XXXX. It stated that an account was opened in my name and address. I did no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

USDA rural housing development home loan mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXX of XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXXXXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our File No. XXXX contact person is : XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I received a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX XXXX  children have been " homeless '' for almost 3 years due to the company incompetency. In XXXX of XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to COVID and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, XXXX, Experian, XXXX, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to log in to my paid Experian account to unfreeze it so I could apply for an apartment application. My XXXX method was requesting to send code to a phone number that I no longer have. There is NO alternative method to access my account. I tried to call several numbers and the AI bot will NOT let you speak to a person even though I tried several ways to do it. I even tried to sign up for a new account, but as soon as it requests your SS number, it realizes you already have an account and you are back in the insane loop. I am unable to XXXX ) request an unfreeze XXXX ) access my paid account XXXX ) get any help XXXX ) cancel my subscription. In the past I have been able to do all these things. I have even tried to email the XXXX branch to see if I can get someone other a computer system. At this point I want to unfreeze my account. I have no way to get access to an account that they are charging $ XXXX.
Product: Vehicle loan or lease

I couldn't afford the amount that I was owning on both of the vehicles that I was owning on ate the time because of my income has changed but now my income has been now I would love you get everything straightened out thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over XXXX days ago, I wrote to your company indicating my dispute of information in my credit report. As of todays date, Transunion  has not responded to my dispute and therefore must update these accounts in my credit file. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within XXXX  days. I am requesting your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX & XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX I started the process of a loan modification. I was assigned a Case Mgr to ensure that all documents were signed and received in a timely manner. In XXXX XXXX, I was advised that the modification was declined and they stated that " They could not prove my residency ''. I was very confused as to why they declined for the reason, so I sent a letter providing proof of my residency, 6 months of bank statements etc. So the process for the loan modification started over again or so I thought. Bank Of America has stopped responding to me, I 've submitted letters ( I have proof of the letter ) and I have also contacted the investor HUD to ask for assistance. We are not getting anywhere at all. I really need HELP. My husband is a XXXX American Veteran we really need help. Bank of America 's connection history is not great .. I really need help. Apparently Bank Of America realized that bank in XXXX they made an error in recording my previous modification with my county recorders office and Bank of America has placed a stop to my modification process because due to their error. I do n't feel its fair to me because they made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Mortgage

I currently have a mortgage with BB & T ( initially XXXX Bank ). The mortgage is on a home I purchased in 2005 for at the time was my Primary residence. We have since converted this to a rental property as the home was no longer able to accommodate our growing family, and we were unable to sell due to market conditions. The mortgage is what would now be considered a predatory loan ( XXXX Interest only 1st 10 years ). In the past month the payment has ballooned as the loan has modified to its amortization stage the payment has increase by more than doubled what is was during its Interest only Phase from {$480.00} per month to over {$1100.00} per month. XX/XX/XXXX anticipating this change I reached out to BB & T to see if they were able to work with us on a refinance or loan modification. We were told we were unable to refinance due to the currently loan to value of approximately 130 %, the loan was not qualified for the HARP program as it is not backed by XXXX or XXXX XXXX ( we are told it is a BB & T/XXXX loan ). In XX/XX/XXXX we proceeded with the Modification/loss mitigation request as we were told this was our only option. After countless hours of works and endless documentation requests over almost 4 months we were told we had been declined for modification to a 30yr fixed program, leaving us only XXXX options keep making a payment we can not afford or let the home go into foreclosure. The reason for decline was that our current rents received cover mortgage payment. What BB & T failed to account for while delivering this decision is that there are Property Taxes, Home Owners Insurance & HOA Fees tied to this property that also require monthly payments. When factoring in these amounts we are at a significant loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, AFNI , XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AFNI , XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reportingan alleged debt for devices already paid off. The only instrument I still pay for is an XXXX XXXX XXXX on a different account. I have submitted proof that I still pay for this device to XXXX under XXXX account # XXXX. XXXX XXXX XXXX is also reporting an alleged debt on my credit report ; I have repeatedly stated that this account is fraudulent, and nothing has been done.
Product: Debt collection

Today XX/XX/2018 ford motor credit treated to seize property today XX/XX/2018 had a tow truck man calling my phone non stop saying i was voluntary surrendering my car which i was Not had not talked to ford motor company about this. 

I have Been trying to work them and prevent them from continuing to ruining my credit. The refuse to treat me with respect refuse to let me speak to manger. Today some one from Ford credit threatened to sue and take me to court, used abusive language, called non stop at unacceptable times even calling family members. 


They have damaged my credit reporting late payments which is untrue the car was stolen and considered a total loss the insurance company had the car for over three months, i had To pay out of pocket for rentals etc. they said they would waive late fees now since the car was returned out of the blue from the insurance company, the car is not drivable, over 3,000 worth of damage to front & rear damage, not starting etc, & all they do is continue to harass me about payments but have not held the insurance company accountable for nothing. Refusing to accomadate me or help me and any way. They are being disrespectful, dishonest, unprofessional, constantly tearing down my credit, threating me and my credit, and acting if I am not a person only Money and Im willing to make arrangements to stop them & get them to remove this from my credit this matter has drove me insane and has effected me and so many ways. Ford has all documentations and know that the insurance company has been hard to get a hold of and hard to work with, has had the car for over 3 months and has refused to fix the car and i have Put in complaints against the insurance company as well. 

I have been in and out of the hospital for XXXX  and XXXX  XXXX, this has took a toll on me mentally and physically, and is not willing to work with me and any way. All i want is to be treated with respect and not harrsed not threatening, i want them to remove all negative payments from my credit report and work with me ...
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Re : Notice of Claim Pursuant to 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974 Dear XXXX XXXX I am writing to bring to your attention a matter concerning the unauthorized disclosure and handling of personal information, which I believe contravenes the stipulations set forth in the laws governing consumer privacy, specifically 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974.

including details of unauthorized disclosure or mishandling of personal information.

As per 15 USC 6801 and 15 USC 6802, entities are obligated to protect the confidentiality of consumer information and are prohibited from disclosing it to unauthorized third parties without consent. Moreover, the regulations outlined in 16 CFR 313 require compliance with certain standards for safeguarding consumer information. The Privacy Act of 1974 similarly mandates the protection of individuals privacy rights concerning their personal data held by federal agencies.

the violation has impacted ME WITH financial losses, emotional distress, HUMILIATION, DEFAMATION, SEVER INTENTIONAL EMOTIONAL STRESS AND SEVERE HARDSHIP ] In light of the aforementioned VIOLATION OF SHARING MY PERSONAL NON PUBLIC INFORMATION I WAN NA OPT OUT IF I EVER GAVE U WRITTEN NIN WRITTEN OR VERBALLY CONSENT I REVOKE THAT AND YOU ARE NO LONGER ALLOWED EFFECTIVE IMMEDIATELY AND i I demand immediate action to rectify the situation, including but not limited to : 1. A complete investigation into the unauthorized disclosure or mishandling of my personal information.

2. Notification to all relevant parties of the breach and the steps being taken to address it.

3. Assurance of enhanced measures to prevent future sharing of non public transactions and to comply fully with the aforementioned laws and regulations.

4. Compensation for any damages incurred as a result of this privacy violation.

Please respond within [ specify a reasonable timeframe, e.g., 30 days ] to address these concerns. Failure to do so may compel me to pursue legal action to protect my rights under the stated laws.

I expect your prompt attention to this matter. Thank you for your immediate action in resolving this issue as you have violated Right that I have that I took from me knowingly and willingly 18 usc 1001 UNITED STATES VS. LICHENSTEIN, 610 F 2D 1272.1276-77 ( 5th cir ) and United States v LANGE 528 F 2D 1280. 1287-89 5TH CIRCUIT 1976
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received your stall letter regarding the investigation of my previous dispute. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly.
Product: Money transfer, virtual currency, or money service

I am writing 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. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has 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 consumers safety.