23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with SELF / LEAD account number XXXX dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SELF / LEAD provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation 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 of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 XXXXXXXX : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the 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 inadequately. They informed me that recovering lost funds was impossible and that track these funds was unfeasible. The CfPBs findings indicate that Zelle not only neglected to protect consumers but have also allowed repeat offenders to exploit their system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I WAS NEVER PROPERLY SERVED WITH A summons, XXXX XXXX & XXXX XXXX XXXX enter a affidavit for garnishment on XXXX/XXXX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM MRS.RHODES THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XXXXTHEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT LAWYER ON XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting Act AccounXXXX XXXXXXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, has violated my rights. 
15U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have had an account on coinbase.com since XXXX. I move cryptocurrencies between this account and my personal XXXX XXXX. On XXXX XX/XX/XXXX, I moved XXXX ether tokens from my cold wallet to coinbase. On XXXX XXXX, I converted these XXXX ether to XXXX Bitcoin on coinbase. Between XXXX XXXX and XXXX XXXX, I purchased ~ XXXX XXXX tokens. Later in the week, coinbase would not allow me to buy, sell or transfer any cryptocurrency. The site presented a message saying that my account was " under review ''. 

I contacted coinbase through their helpdesk chat tool on XXXX XX/XX/XXXX, but the customer service representative repeated the message ( " your account is under review '' ) without providing any further details. 

As of now, there is ~ {$80000.00} in crypto that I can not sell, transfer, etc.
Product: Credit card

I have been a customer in good standing for several years with Lowes/Synchrony . During the holidays I was late on a payment for the Lowes/Synchrony store card. I asked for a late fee waiver. I was denied. I stated I would cancel the card if I was going to have to pay a late fee. I paid the next two statements to make sure all items from Lowes were paid for. I refused to pay the late fee. After all items were paid, I cancelled the card. After cancellation I continued to get statements. Each one had another late fee and interest. I contacted XXXX XXXX XXXX and attempted to reach a compromise. The only compromise they were willing to accept is full payment of late fees and interest. 
My credit score has gone from XXXX to XXXX. I was told by Synchrony regardless of if I paid all fees that my credit score would remain at XXXX till XXXX. 
I paid for everything I bought. The late fees are inappropriate after I cancelled the card. I reached out to them in good faith to reach a compromise. They ignored me in attempting to settle under any less than their terms. 
I would like my credit score back to where it was before this happened.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$4.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started because I received an alert from Experian about the dark web and some of my information. It really put a damper on a very special event because I could not access my account on-line to check on the problem and there was no phone number provided. 

Today, XX/XX/XXXX, beginning at XXXX XXXX. I attempted to contact Experian due to inability to access my account on-line ; including much time to research for a " contact a human '' number. Every phone number relating to Experian has had me give private/pertinent information for access but then only responds that I must go " on-line '' to resolve any issue. I have proof of over 13 placed calls from me to them.

I found through research that if I called a certain number and responded with " 2 '' ( as if I were a business and not an individual ) I would be put through to a human. 

Finally, at XXXX I spoke with XXXX. XXXX confirmed my account information and informed me my account was not active because I needed a pin which I would receive 5-10 mins. upon completion of the phone call. She refused to let me have the pin while on the phone so that I could be sure it would work. 

At XXXX after over an hour of waiting I attempted the same phone number again and was not given a human option. The phone number/tree I had used to contact XXXX now gave only information telling me to go " on-line '' to solve my issue ... .which was never addressed ... and which I can not do because they never sent the pin. 

When I called again attempting to cancel my account I am very surprised to find out that I no longer exist in Experian 's system. This, despite the fact that I was charged by them on XX/XX/XXXX for their services. ( I have since cancelled the charge card as " lost or stolen '' as suggested by my bank as the only option I have to prevent another charge by them. ) I am at this point seriously concerned that Experian, after such nefarious and dissembling customer service, might actually cause me harm. Aside from the 20+ times I had to enter my social security number how can I trust a company that treats a customer this way? Especially with my private financial information? Please help.
Product: Credit card

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do XXXX of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

, I dispute the following items as they are unknown to me : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX  Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$2700.00} XXXX XXXX Bankruptcy 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 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
Product: Prepaid card

I was sent a {$500.00} Amex Gift Card from my employer for an end of your bonus on XX/XX/06. I have tried to use this gift card at several reputable online vendors and it has been declined multiple times to the point I can't use this anywhere. 

A quick XXXX search of the issue has shown this to be a known and common issue with the gift card and Amex customer service being no help whatsoever. It seems that the only acceptable solution people have mentioned is to report to CFPB.
Product: Mortgage

My name is XXXX XXXX and my wife is XXXX XXXX, last XX/XX/2021 we purchased XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX a single family home for our primary residence with our XXXX children. At the time the monthly mortgage payment that the New Rez mortgage broker presented to us was $ XXXX. The mortgage broker did not include all of the insurance costs before closing so now our current mortgage payment is just below {$2000.00} a month. The error was that in NC they separate out wind/hurricane insurance from all other perils and you have two policies for one home. The broker took the cheaper of the two policies that were sent to her via email ( see attached documents ) and did not include the higher cost wind/hurricane insurance, and that is where the error occurred. I guess with the broker not working in NC and not being familiar with NC laws is the root cause. 

We called New Rez, but they said there was nothing they could do, and expect us to pay for this error by their mortgage broker for the next 29 years at 3.5 % interest compounded. We are now filing this complaint in hopes that NewRez will work to make this right. I have below the contact information for the NewRez and the broker we worked with. 

New Rez NMLS number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX | XXXX # : XXXX Licensed in multiple states XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX ( ext. XXXX ) | cell : XXXX fax : XXXX
Product: Debt collection

first time she called was very rude. she has called several times even on sunday has left my a ton of voicemail. I explained to her my financial situation. she said the apartments agreed to settle for XXXXand when I ask her to send me a letter stating that she gets very upset explaining to me that she cant do that, that I send money first than they take it off..
Product: Checking or savings account

I am writing to report a Chase bank branch location released my personal information to an unauthorized third-party who came in demanding my personal information. I called the bank in which they of course denied releasing out my personal information. I have proof that during the time this individual returned to the bank, an individual called my phone number two times and a relative 's number one time on this person 's behalf. This individual even told me that they were able to get my information from this bank. I am writing to report my personal information being given to an unathorized individual and want to know of the best way to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.
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. 

Credit collection : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX  # XXXXXXXX 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: Debt collection

Mariner Finance XXXX XXXX XXXX XXXX XXXX, MD XXXX Account Number : XXXX 15 usc 192c ( c ) That law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication 15 U.S. Code 1601 It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so 15 U.S. Code 1601
Product: Mortgage

We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company.
Product: Student loan

XX/XX/XXXX I had a payment due with Navient and autopay was setup on wrong account. I was charged a NSF of {$0.00}. I paid this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I called too many times to count. Calls are r ecorded also. I  will never be able to pay off {$0.00} unless I pay entire balance and payments are not able to allocated to this {$0.00} only if What several reps over 5 months have told me. I also on income based repayment plan of {$0.00} but still have to pay {$0.00} each month. 
Navient is stealing money since no customer are able to get correct information and uncomfortably long wait times that you feel you should apply for a position with them since you have to put aside at least 3 hours for any situation.