23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

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

After applying for seeking help from another bank where I found out after the fact that I needed to refinance a balloon payment that back denied me and I 'm still not sure why but I moved forward and applied for and FHA at another bank being it was where my mortgage is held. ( both ) Realizing the time restraints I was under I informed this bank that I only had until the XXXX of XXXX. 
I came to with a co borrower because I knew that my income would be a challenge. After looking everything over the banker thought it was a real chance that everything would work out. Now 2mons later after moving into the underwriter phase the loan was denied, We were devastated we were also lied to told the reason was because the borrower lived out of town. We knew that was not true after going online to the FHA website guidelines. 
Please note my co borrower as myself did not every receive a denial letter in the mail. I went on XXXX and had the branch manager email me the reason for the denial which had nothing to do with the co borrow living out of state. It was because you can only have one FHA on the books at one time. They should have known both mortgages are at the same bank. ( 2months wasted ) Now my credit rating is starting to take a hit. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

they send me a statement of my called bill? and they DIDNT send me a HIPPA release form that I approved of and that is illegal of them to do .I demand they delete that debt out of my credit report from all 3 credit bearus from XXXX , XXXX , and XXXX  .
Product: Mortgage

I have called multiple times and have spoken with multiple employees to try to get modification papers mailed out to me so I can apply for a modification. I'm in a chapter XXXX bankruptcy, and am being told that I am not able to receive modification papers directly. They have to be sent to my lawyer, who is to then forward them to me. Though my lawyer tells me this shouldn't be the case, Mr. Cooper persists that it's their rule. They said the papers were sent to my lawyer the 1st week in XX/XX/2020, but my lawyer states otherwise. I called recently, XX/XX/XXXX and spoke with a Mr Cooper employee who stated they faxed the paperwork to my lawyer. I advised that my lawyer doesn't have a fax machine, they are completely paperless and can only receive emails. The employee advised me they are not allowed to send emails and persisted there is nothing else she can do to help me. I requested a supervisor, and was put on hold to be left there. I need modification papers ASAP and am unsure why Mr Cooper is so unwilling to help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXXXXXX XXXX INQUIRIES 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have XXXX credit cards with Capital One. The cards are not showing up on the credit report as accurate. One of the cards is not showing up at all. And I am really trying to improve my credit score. The first card has had the wrong balance on the credit report for over 2 months!!!! And the second cars is not showing up at all!! 

They can not get away with the wrong information sent or not sent to all XXXX credit reporting agencies. 

I want this fixed NOW!!
Product: Debt collection

Consumer Portfolio Services is a company that has called me and our family members about a debt owed by my XXXX. I filed a report with you previously. The complaint number is XXXX. The phone number for Consumer Portfolio Services is XXXX. Today, XX/XX/2023, another family member received a call from this company looking for our son. 

In the response to the first complaint I submitted, the company replied, " Consumer Portfolio Services , Inc. ( CPS ) has reviewed the complaint and account. CPS apologizes for any frustration you may have experienced. CPS has placed a Cease and Desist on all third-party phone calls. '' It seems the " Cease and Desist on all third-party phone calls '' is not being followed. Like I said in my first complaint, this has been going on for a couple of years. We have asked them to stop calling us. Consumer Portfolio Services has the correct contact information for our XXXX. They also disclosed to me ( XXXX  ) what the debt was for ( a vehicle ). I have also told them to stop calling the family members. Like I said, they have our XXXX  's correct contact information. I verified it with them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was contacted by an individual identifying himself as a representative of Discover Bank Fraud Department. My caller ID showed Discover bank and the individual sent me the expected text message to verify my identity by reading back the number code in the text. They proceeded to have me verify as either authorized or unauthorized, charges on my debit card, due to suspicious transactions. Some of the charges were actual purchases I transacted. Over the course of this call I was tricked into providing them credentials, driver license image, which they in turn used to conduct an unauthorized wire transfer from my savings account, XXXX, in the amount of {$110000.00}. I became suspicious and terminated the call and phoned Discover Bank directly. I was apparently just minutes late in alerting them to the unauthorized transaction. The wire had been sent and the wire recall request, as I later learned, was unsuccessful. 

I contacted the XXXX XXXX, FL Sheriffs Office, Economic Crimes Task Force. They requested that I urgently contact Discover Bank and report back with the wire transfer details : destination bank, account number, Swift number, etc., as they said there would be a short window of opportunity to recover the funds. Discover Bank refused to release the information to me, stating that it was under investigation by the bank. They did however provide me with a direct number for law enforcement use and to provide that to the Sheriffs Office. They assured me they would cooperate with law enforcement without requiring a subpoena. The county Sheriff agent contacted me later to inform me that the call was unanswered and that he received no return call from the voicemail he provided them.

I contacted Discover Bank several days later to inquire about the progress of their investigation. I was verbally informed that their investigation was closed. They stated that the receiving bank refused to return the funds, and there would be no restoration to my savings account. This was in despite of being assured during three different conversations I had with the bank on the day of the incident and the following day, that I could expect the funds to be restored. 

As of this date, XX/XX/2023 I have not received a formal notification of the results of their investigation.
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 Section 602 A. States I have the right of privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Credit Reporting Agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/2019 I booked a rental car from XXXX through XXXX for my parents vacation in XXXX. The total cost was XXXX USD including all taxes and fees as indicated on the confirmation ( attached ). This reservation was refundable. My parents and I could cancel it at any time before picking up the car. 

XX/XX/2019 My Chase credit card was charged {$600.00} by XXXX. Because I did not recognize this company and believed it is a different company from Dollar ( where I booked the car from ), I filed a fraud case with Chase immediately. Chase reversed the transaction and issued me a new credit card. 

Meanwhile, I contacted my parents and they told me what happened. XXXX represents XXXX in XXXX and the {$600.00} charge was made by the XXXX agent. 

When my parents arrived at the rental car company, the staff asked for my parents credit card and charged XXXX XXXX, including a XXXX USD premium XXXX XXXX receipt attached ). The staff did not ask my parents permission and explain the change details before she swiped the credit card. XXXX is not mandatory for rental cars in XXXX and the Chase Hyatt credit card does cover the same insurance. Therefore, my parents refused to sign the receipt and requested a full refund. XXXX agreed to refund the full amount of charge ( XXXX USD ) within four business days ; however, they never processed the refund. 

XX/XX/2019 I reach out to XXXX and XXXX since XX/XX/2019, to try to resolve the problem. Unfortunately, both companies failed to process the refund. A copy of all E-mail conversations is attached. 

XX/XX/2019 Chase turned down the fraud case and recharged {$600.00} on my credit card. The bank believes the transaction was not fraudulent and asked me to file a dispute instead. On the same day, I filed a dispute and submitted all required documents requested by Chase including the rental car confirmation page and bill. 

Since XXXX Chase reached out to me and told me that they were not able to process the dispute because the transaction occurred more than two months ago and the XXXX insurance was mandatory ( which is wrong ).
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies I have identified on my credit report. 

Upon reviewing my report, I noticed inaccuracies related to late payments. These entries are incorrect and are negatively impacting my credit profile. 

I kindly request that you take the necessary steps to rectify these errors promptly. Please correct, modify, or delete the inaccurate late payments from my credit report. 

Below, I have provided details of the discrepancies : ================ XXXX XXXX Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============ XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============== XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ================ XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX XXXX of Payments Please Update to Never Late
Product: Checking or savings account

Hello, on XX/XX/XXXX I called to dispute a few transactions with my bank. After waiting over 10 days and then telling me multiple times that my dispute was filed and I would be credited, I never received any notice of the dispute, or proof via email that it was filed. Today on XX/XX/XXXX, I called the bank to get this fixed and they will not help me although its been more than 10 days. I have tried to ask for escalation to get my credit to pay my bills, they wont, Ive tried to ask for a manager, they wont, anything I try they will just deny my request.
Product: Credit card

Somebody had used my Chase Freedom credit card at a gas station and spent about {$80.00} and I received a new credit card but never get reimbursed.
Product: Credit reporting or other personal consumer reports

Hi how are you I'm reaching out to you about this charged off account they currently has a {$4000.00} plus balance when it should have no balance at all due to the fact that it has been a charged off account I would like for it to be removed it is hindering me and my credit profile from progress in my future.
Product: Debt collection

I had become ill at this time and there was no one living in my home at the time and the house was empty with no services for several months ( XX/XX/year> ). I had planned to move but that fell through. Also, during this time there was a severe storm and a tree fell on top of my roof and side of the house and due to this event a wire was completed damaged too. I have conveyed to the vendor several times through the customer service department but they have yet to delete off of the credit bureaus and now have this debt showing as a collection. Services were never rendered with no electricity. Now, I am trying to obtain a mortgage loan and this is stopping me from qualifying. Please delete/remove from the credit report. Much appreciated.
Product: Credit card

Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data  formatted reporting standards. 

Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different. 

You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 XX/XX/XXXX
Product: Debt collection

The creditors LVNV FundingLLC, are harassing me about an extremely old debt which I do not owe, the debt is in the amount of {$3800.00} from XXXX XXXX XXXXXXXX. LVNV has not provided sufficient information for me to identify the debt. I never signed any agreement with LVNV Funding LLC. I do not owe this debt and it is over the New Jersey statute of limitations, and even if I did owe it it's passed the statute to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting agency Experian has failed to do a completely thorough investigation of my file. I am a victim of Identity theft and I found negative information reporting as a result of Identity theft. I notified not only the following creditors but also the Credit Bureau about these accounts that were a result of identity theft, I also sent in a copy of all relevant information including my FTC report, ID, Social Security Card, and proof of address in which Experian had 4 business days to remove the fraudulent accounts. Experian deleted and removed the accounts then within 60 days later re-added accounts back to my profile stating the creditors sent back information stating the debt was valid. I have repeatedly asked Experian for a copy of the documentation that was provided stating that those accounts were valid and they have yet to respond and send that information to me. Not only was my rights violated by Experian deleting the accounts and adding them back after a response that took well over 30 and even well over 45 days. They have caused me so much grief also. Please read below for the following accounts 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in addressing the removal of certain fraudulent entries in my file attributed to an alleged identity theft. However, some items still remain unresolved and necessitate removal. This marks my second communication as a victim of identity theft, wherein I contest specific entries in my file resulting from the aforementioned crime. The items subject to dispute are not linked to any transactions involving the acquisition of goods, services, or authorized monetary transactions. Please eliminate the reporting of the following items in my credit file resulting from an alleged identity theft. Additionally, I have included my new FTC report numbers : # XXXX and # XXXX. 
XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance - XXXX XXXXXXXX XXXX ( Original creditor XXXX XXXX # XXXX ) XXXX Balance {$950.00} Bankruptcy XXXX XXXX Filed on : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$20000.00} XXXX XXXX bankruptcy XXXX Filed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage is through Village Capital and investments. And XX/XX/year> I got behind a couple payments due to health and then in XXXX I started making payments and they started pushing me to make up the payments I was behind and I told them all I could afford was to continue making single payments. I was told that I had to make up the payments that I was behind in XXXX lump sum or they would foreclose on my house. So I hired XXXX XXXX to negotiate with them and then I was told of the offer that Village Capital was making, and I verbally accepted it. Then Village Capital came back the next day and told me that there was a lien against my house which ended up being a lie and then it was they had the wrong book page and the wrong page number in the record of deeds, but nobody could tell me how to fix it. It took a week or so, but I got this done and of course by this time thats also when XXXX XXXX hit South Carolina in North Carolina during that time Village Capital informed me that my application had been XXXX  because it took too long. So we are on round two now and on my third package of sending paperwork to them. The first time was my fault I did not have witnesses on the notary page so they sent me new paperwork which I completed. I took it to the county courthouse building and had it notarized and witnesses signed for it. Village Capital has come back this past week and said that it was copied on both sides, which is a lie that there were no witness signatures, which again as a lie And now I have to send the paperwork in the third time. While this is going on, they keep putting harsh remarks on my credit and the amount that they are adding to this is astronomical. 
I need help or Im gon na lose my home. Im a XXXX veteran on a fixed income and Im too old to be homeless. Thank you for your time.
Product: Money transfer, virtual currency, or money service

From XX/XX/2022 until XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated. 

Please see attached for more information. 

I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. 
I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 
Thank you.