23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NewRez recalculated my escrow incorrectly by charging me twice for my yearly insurance premium. I called and was on the phone for over an hour, and was assured that the company would recalculate my Annual Escrow Account Disclosure Statement within the week. This was not done, and my mortgage payment increased from {$1400.00} to {$1800.00}.
Product: Payday loan, title loan, or personal loan

I WAS CONTACTED BY XXXX AT MONEYLION ON XX/XX/29 WHO WAS ASSIGNED TO MY LOAN TO HELP RESOLVE MY ISSUES. TO DATE, MONEY LION HAS VERIFIED THEY WERE TAKING LOAN PAYMENTS FROM AN AUTHORIZED ACCOUNT. SHE INFORMED ME THAT SHE WOULD CONTACT THE REPORTING AGENCY TO HAVE ALL LATE PAYMENTS REMOVED AND MY BALANCE UPDATED. AS PER MY SCREENSHOTS THIS HAS NOT BEEN DONE. THIS IS CAUSING ME PERSONAL PAIN AND SUFFERING. PLEASE HELP WITH THIS. XXXX HAS STOPPED RESPONDING TO MY EMAILS AND PHONE CALLS
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. They informed me that recovering lost funds was impossible and that tracking this transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this e-mail from XXXX XXXX and it upsets me that Trans Union would inform anyone or business about my personal financial status and payments without my consent. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX To : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX , you paid off an account Your TransUnion credit report shows you paid off your XXXX account. 
See where I stand Well done. This is exactly the kind of thing that will raise your credit score and get you more options in the future. 

Keep on rocking, The XXXX XXXX I not one to complain, but the sharing of ones personnal information is getting out of hand and to a business that does not need to know! 

IS the CFPB aware of this? Is there any chance that you can stop this from happning.
Product: Vehicle loan or lease

This account has been closed for over 3 years.. the vehicle in question was returned to the company. They are now reporting that its open and Im 180 days late on payments which is causing my credit score to drop. Under 15 USC code 1692.. theyre calling n harassing me to pay a debt that was settled and threaten to reopen ( which they did ) hurting my credit score. This account was closed and shouldnt have been reopen. I gave no consent to furnish or obtain my personal information
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 times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unexceptionable and raises serious concerns about our consumer safety.
Product: Credit card

I am very concerned about the recent late payment noted on my account, as I have always paid on time. This issue is causing me significant distress, and I kindly request that you correct this mistake by removing it from my account immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  XXXX XXXX XX/XX/year> {$480.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

I sent U {$150.00} from USA to Colombia with express payment but the funds where not deliver not the day neither the next day and when I contacted the company they said the complaint may take 7 business days to resolve
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 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 has violated my rights . 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

on XX/XX/2019 a dispute was made with XXXX, TRANSUNION and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report
Product: Credit reporting

I sent a dispute letter to XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX XXXX a trust fund baby and I DO NOT have, nor have I ever had, any bank accounts under my name and never applied for bank in my life. Once again I am not requesting an identity theft block am demanding the complete investigation and deletion of all inaccurate and unauthorized banks accounts listed on my Early Warning consumer report. My initial dispute I ask for investigating and deletion. Your response was to add an unauthorized ID block On XX/XX/XXXX and XX/XX/XXXX which is not what I ask you to do in my initial dispute. Early warning you have failed to address my clear instructions, which were to remove delete all bank accounts from my file. Let me reiterate, I am not here to negotiate or request a ID block ; I am holding you accountable for the full deletion of these fraudulent accounts. Delete all bank accounts in my filed not just XXXX. 
XXXX XXXX XXXX XXXX Dispute XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Dispute XXXX ), XXXX XXXX XXXX XXXX ( Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my student loan debt by Mohela on my credit report. According to Mohelas communication dated XX/XX/XXXX, there were {$1000.00} in fees added to my principal amount of {$340.00}. In a good faith effort to avoid negative discrepancies on my credit report, I made a payment of {$340.00}. However, this payment was subsequently reversed by Mohela, resulting in a reported delinquency on my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX I want the CFPB to publish description on consumerf gov
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. As a result, my personal information has been compromised and used without my authorization, leading to the fraudulent accounts listed below appearing on my credit report. I respectfully request that these accounts be blocked and permanently deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00}
Product: Debt collection

After multiple request of complete validation sent by certified mail to multiple companys that claim i own this bogus debt no proof ever has bin provided of any kind after 15 years.Thers nothing out there and i want them to stop harrasing me or a lawsuit will follow.I will fight this till the end of my days.Again thers nothing out there. 
A complaint was filled before with a previous company called XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX. 
CFPB # XXXX on date XX/XX/17 Than it was sold to XXXX XXXX , LP file # XXXX again no proof of any kind. 
Again sold to another BOGUS company FBCS , INC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX trying to collect on this bogus debt and i file a complaint to this company .I want all this nonsence to complete stop. 
They all trying to collect in behave of XXXX XXXX XXXX. with no proof ever provided requisted by me by certified mail ( have the proof ) isnt that illegal? 
Orignal Creditor XXXX XXXX XXXX XXXX XXXX file # XXXX Amount they claim i owe {$1700.00} My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX tel # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, EXPERIAN is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry from XX/XX/2020 is appearing on my credit report and this company refuses to remove it.
Product: Debt collection

I discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as " true or false '' so they are placing " on hold ''. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention " this is an attempt to collect a debt '' nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!
Product: Credit card or prepaid card

I PREVIOUSLY CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/2021. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXX AND XXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/2021 ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ XXXX XXXX XXXX XXXX ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ EXPERIAN ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely,
Product: Debt collection

I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing a complaint.
Product: Credit card or prepaid card

Id like to bring to your attention facts of a fraud dispute I filed with Bank of America ( BofA ) where I have a credit card account in dispute. Bank of America failed to honor their Zero Liability policy, as advertised, and further posted fraudulent charges on my account multiple times, which far exceeded the originally disputed transactions. 

Timeline of events follows : XX/XX/2020-XX/XX/2020 - multiple fraudulent charges all via XXXX XXXX posted on my credit card account ending in XXXX XX/XX/2020 - I notice fraudulent charges on my statement and contact BofA immediately via phone number and explain that I did not place any of the orders, BofA reverses the charges crediting my account and blocks the credit card XX/XX/2020 - BofA informs me that they revising the dispute because the merchant provided proofs of delivery XX/XX/2020 - BofA posts another charge to my account to reverse the previously issued credits from XX/XX/2020 XX/XX/2020 - BofA posts yet another charge to my account to reverse the previously issued credits from XX/XX/2020, effectively charging me for the 3rd time for the same transaction, fraudulently XX/XX/2020 - BofA send me electronic statement showing the above charges XX/XX/2020 - I contact BofA to inquire about the situation via phone, the customer service agent is unable to explain why the dispute was reversed and why they fraudulent charges have been posted 3 times by the bank, she opens another investigation XX/XX/2020 - I receive mail via USPS stating BofA declines my fraud claim without further clarifications or explanation. 


In the letter sent following the initial dispute reversal on XX/XX/2020 BofA explained that the merchant provided proof of delivery of ordered items. However, I clearly explained to the customer service agent that Im disputing the fact that I ordered items in the first place. The fraud scheme involving unordered packages called brushing is well known and documented in multiple online sources. It involves a stolen credit card number with a billing address where the scammer sets up a marketplace account via XXXX or other marketplace and places fraudulent orders for cheap merchandise at inflated prices using stolen credit cards and ships it to the credit card owners billing address. Because the billing address matches the shipping address, the merchants fraud detection mechanism is less likely to flag the order as fraudulent. The merchant in fact ships to flight the eventual dispute when its filed by the credit card owner. 

BofA failed to honor their zero liability policy in this clearly fraudulent case of brushing but they also reversed the fraud charges twice, effectively charging my account three times ( one during the original fraudulent order transaction and twice during their incorrect reversal ). BofA failed to respond to multiple questions about these charges. 

Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Credit Bureau Name [ Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information listed on my credit report. Please find my personal information and the details of the dispute below. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Social Security Number : XXXX Item in Dispute : Account Name : [ e.g., XXXX  XXXX ] Account Number : [ Account Number ( if available ) ] Disputed Amount : [ e.g., {$970.00} ] Date Reported : [ e.g., XX/XX/XXXX ] Reason for Dispute : This account is inaccurately reported. [ Briefly explain the issue, I believe this account does not belong to me, or I have already paid this amount in full, and the creditor has not updated the status. ] Request for Action : Please investigate this matter and correct the information on my credit report. If you find the account is not valid, I request its removal.

Enclosures : I am including the following documents to assist in your investigation : Copy of my credit report with the disputed account highlighted. 
Copy of receipts or proof of payment. 
[ Additional relevant documents, e.g., correspondence with the creditor. ] Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate this dispute within 30 days. I look forward to your written response regarding this matter. 

Thank you for your attention to this urgent matter.
Product: Credit reporting 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 confidentially under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX  # XXXX, Account Name XXXX Card # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some items were incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file f the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from te file of the consumer.

According to 15 USC 1681-2, they are supposed to, not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.