23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo used to allow me to overpay my escrow account when a taxes and insurance increased annually for the sake of keeping my monthly mortgage payment down to a manageable amount. The past few years Wells Fargo only allows me to pay the current escrow shortage, and my monthly payment is up {$160.00} per month over where it started. I still have the original mortgage, and have never refinanced.
Product: Debt collection

Source Receivables management Is still engaging me concerning a XXXX and now defunct XXXX bill where a XXXX  manager did a fraudulent transaction on a XXXX  XXXX stealing the phone and not paying XXXX. This transaction was just before the merge this is well documented. Now they ( source receivables management ) are sending letters and demanding payment for XXXX $ I want this issue resolved I will not pay this fraudulent bill the letter states sending in a police report stop with the nonsense they know I dont have a police report but the companies DO HAVE RECORDED CALLS so they need to reference those calls and source receivables management needs to stop harassing me and get those calls and transcripts from XXXX. This on/off my credit report is annoying for literally years now.
Product: Credit card or prepaid card

XX/XX/2023 Citi scam call regarding a fraud charge. Gave personal information. 
Closed my credit card with Citi and was reissued new ones. 
Scam number XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 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 or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of inaccurate reporting and I write to dispute the remaining items in my file resulting from the misleading information in my credit report. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an inaccurate reporting. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Name : XXXX XXXX XXXX Address : XXXX Little XXXX XXXX, Spout Spring, VA XXXX Email : XXXX My complaint is against Experian concerning my Chapter XXXX Bankruptcy dispute. 
Report # XXXX XXXX XXXX CT VA XXXX XXXX XXXX XXXX # XXXX On XX/XX/2021, I sent a notarized, certified dispute letter including a letter from the courthouse stating that they do not subscribe to the Experian agency to be able to report this public record on my credit report. Experian responded, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' Next, I disputed this account online XX/XX/2021, with the same response. On, XX/XX/2021, I spoke with an unprofessional, female Specialist with unknowledgeable comments that Experian never received my mailed documents which included a letter from the courthouse stating that they do not subscribe to your agency to report this public record on my credit report. The Specialist left me on hold for XXXX hours and XXXX minutes which I could hear other representatives working with their customers. Then the phone hung up. I am humiliated and will consider filing a complaint with CFPB if this account is not removed immediately. XXXX and XXXX removed/deleted this account XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of dispute particularly in light of the recent CFPB 's lawsuit highlighting significant issues with the platform despite using their numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims at adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected the protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On the morning of XX/XX/2021, I awoke to a withdrawal made on my EDD BoA debit card for the amount of {$5000.00}. As any sane person would, I immediately called the bank, waiting for over an hour to be helped, I finally got a pick up on the other line. I placed the complaint/dispute and was issued a new card which would take 7-10 business days. I waited a few days and received my card. As soon as I activated that card, I had an IMMEDIATE withdrawal for the rest of the funds in the account in the amount of {$2400.00}. I again call and was hung up on about 6 times until I finally got a nice rep and transferred to make yet another complaint/dispute. I was then allowed to make the dispute, then was told there was an online account attached to my said account. She stated I needed to remove that account so any further withdrawals could not be made. Why wasnt I told this the first time I made the complaint? I was told this until my account was at XXXX. I was then issued yet another card. Its been over 10 business days. I have not heard a word and I have nothing to pay my bills. With my electric bill due in 3 days I have XXXX to pay that off. BoA is saying the consumer has zero liability. I dont feel that way. To be fair, I also feel it was an inside job because they first tell me someone needed to call and make the first withdrawal, then to tell me its a linked online account making the said transfers. Transfers take some days, why werent they immediately refunded? BoA, you are failing.
Product: Mortgage

In XXXX  I take out this Mortgage loan from UWM they are nice ones you are taking out the loan with them but if you want to make any changes like remove someone from your mortgage, they are difficult dragging on for months with no communication. They might think I am writing this because I am angry or making trouble, but Im not making any trouble. I just want to remove someone from my mortgage plain an simple. I sent an email. I will provide the pictures of who I was talking to my email. Ignore me like they want me to go and do a refinance. Thats all them r telling people to do I prefer to File bankruptcy then do a refinance and get XXXX  % interest rate ok
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX, has violated my rights. The date opened, No. of months, last reported, comment, last date active, and date of last payment differ when comparing my XXXX and Equifax consumer reports differ so they're inaccurate. This is also a violation. This account is negatively impacting my ability to secure credit and loans. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXX/XX/XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX  ACCOUNT NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Debt collection

Notice to agent is noticed to principle. Notice to principle is noticed to agent. this is to inform the CFPB of a violation that XXXX  XXXX XXXX  has done to the consumer XXXX  XXXX XXXX  has sold my information to a company by the name of resurgent receivable LLC the company has been notified to stop sending notification by text, and by e-mail. the company continues sending me text messages when the consumer has addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXXXXXX has violated by selling my information to this company the description PDF is on the CFPB portal end the explanation are written in red.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is selling deceptive information to Transunion, XXXX, & XXXX who are then publishing this information on my consumer report. This debt has not been validated as belonging to me and I havent received any evidence to prove it is mine. This debt has also been canceled with the IRS and reported as income so it can not be reported onto my consumer report.
Product: Debt collection

I have medical insurance. I have not had any medical debt. Someone else used my information when they visited the hospital. Please remove this debt from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my 3 Bureau Credit Reports in the mail dated XX/XX/2022. After reviewing all three Credit Reports with TransUnion, XXXX, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that may be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some XXXX XXXX XXXX explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.
Product: Checking or savings account

On XX/XX/XXXX I signed up for a Citi XXXX Promotion through my Citi XXXX XXXX, promising {$700.00} if I added {$50000.00} or more ( new to Citi ) to a new Citi Priority Checking and/or Savings combined and hold them for 60 days. By XX/XX/XXXX, I deposited {$57000.00} into the Checking and Savings from non-Citi Banks, and maintained at least {$50000.00} combined since that date. I was supposed to qualify after 60 days from XX/XX/XXXX, however I did not get notified about my qualification, so I called and asked and they created an inquiry for me on XX/XX/XXXX. On XXXX/XXXX/XXXX they notified me that I did not qualify for the promotion because I did not maintain the {$50000.00} minimum balance, which was untrue. I called back on XX/XX/XXXX and the Supervisor agreed with me, and created a note to reopen the investigation due to his review that I qualified. I called back on XX/XX/XXXX because I had not heard back, and they had no record of the call that I had on XX/XX/XXXX and that all they could do was open another inquiry for me. Another inquiry was made on XX/XX/XXXX and on XX/XX/XXXX I was rejected again saying that I did not maintain the minimum balance, which was again untrue. On XX/XX/XXXX I called to submit a complaint and was promptly hung up on, and once I was finally able to connect with someone again, all they were able to do was submit another inquiry that would take another 5-10 Business Days. I still do not have a record of them even creating this inquiry, so I have come to the CFPB since Citi refuses to cooperate with me. I have the letters stating the terms of the promotion, all of which I complied with but they refuse to honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Medical XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Medical XXXX Date XXXX Balance : {$200.00} - XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXXBalance : {$0.00} ISPC XXXX Date Opened : XX/XX/XXXX Balance $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor :  XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan is From American Education Services. The loan has reached statute of limitation and Im no longer responsible for debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent a list of deputies to Experian, over XXXX past and present dating from XXXX I did not authorize them and they failed to provide accurate information, and a removal of XXXX XXXX XXXX  status is not accurate. 

No action was taken by company and has impacted my financial stable ability to get a home for my family. I am seeking compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 issues a {$7000.00} XXXX XXXX school out of XXXX MA loan paid, and prior loan through XXXX XXXX out of XXXX MA XXXX to that loan was paid in full in the amount of {$12000.00} I was XXXX XXXX XXXX it might have been a title loan for a custom XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a modified small block XXXX XXXX motor XXXX none of this is in my credit report. I also sent Fraud activity that XXXX XXXX XXXX commitment acts of to XXXX XXXX XXXX but not before I tried working it out with XXXX XXXX XXXX I want this reported to attorney General after criminal action this is going to become civil action due to cause the denial of my mortgage cause of XXXX XXXX XXXX my criminal charges and civil suet are only towards XXXX  XXXX XXXX  the other companies I just want my credit reported to the credit Bureau for XXXX XXXX XXXX the other company XXXX XXXX XXXX XXXX loan.In regaurds to XXXX  XXXX XXXX there is no compromise you ruin me getting my first home with your fraudulent practices I'm XXXX I have nothing but time.
Product: Debt collection

ALDOUS AND ASSOCIATES states I owe them {$440.00} and I never had an account with them. My information was leaked online and bunch of thing came on my credit.
Product: Checking or savings account

We opened a XXXX with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the XXXX for XXXX more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX  XXXX XXXX, and Citizens is not permitting this. Not everyone is connected to email XXXX, and we never received the original email that our CD was due. Even more importantly though, we never received a phone call. I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. 

Citizens responded to the first complaint with a PDF of a maturity notice that they said they mailed us. We never received this letter. XXXX people I spoke with said that Citizens does not mail letters. 

I am hoping you can help get our money out of this bank without a penalty fee.
Product: Credit card

I disputed a charge on my Chase credit card ( ending in XXXX ) from XX/XX/XXXX, for {$240.00} made to XXXX. Despite returning the item and providing all necessary documentation, I did not receive a refund. I followed up with multiple emails to Chase on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the removal of the disputed charge. 

Additionally, on XX/XX/XXXX, I was charged a {$29.00} late fee, and on XX/XX/XXXX, a {$4.00} interest charge was added to my account. On XX/XX/XXXX, I sent another email to Chase requesting the removal of the late fee, interest charge, and the original disputed amount. Despite these efforts, I did not receive a satisfactory resolution. 

To prevent any negative impact on my credit record, I paid the amount of {$270.00} on XX/XX/XXXX, which included the disputed charge, late fee, and interest charge. I believe this payment was unjust and request a refund of the {$270.00}. 

I have provided all necessary evidence and documentation to Chase and have communicated with their executive office and the Consumer Financial Protection Bureau. Despite these efforts, the issue remains unresolved, and I am seeking a refund check of the amount paid.