23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXXm going through a lot of stuff from identity theft fraud custody issues you name it Im going through it I was with Bank of America for 15 years and I live at XXXX XXXX XXXX ct I started bankruptcy and couldnt finish paying for the plan because Im also paying another attorney for XXXX case so all of a sudden my loan was transferred to XXXX XXXX I never received anything from the company I had to Bank of America and then thats how I found out also my XXXX was stolen and has been hacked along with my email address as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accountd below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX )
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT BOX " As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX DOFED bal. {$6600.00}, XXXXDOFED bal. {$6200.00}, XXXXDOFED bal. {$6100.00}, XXXXDOFED bal. {$4700.00}, XXXXDOFED bal. {$4600.00} XXXX XXXXDOFED Bal. {$450.00} XXXXDOFED Bal. {$3600.00} XXXXDOFED Bal. {$3600.00} XXXXDOFED Bal. {$3600.00} XXXXDOFED Bal. {$4500.00}
Product: Credit card

On XX/XX/2024, my citi credit card was blocked after I tried to make a purchase for a coffee. My card was blocked the last time I tried to make a purchase XXXX days ago and I managed to unlock this card using my phone number to receive a text to verify. Today, when I tried to unlock my card, they chose to send a snail mail to verify without my consent, instead of using my primary phone number. They also asked to call my employer on a Saturday to verify, which obviously wont work. The fact that they locked my card every time I tried to use my card is outrageous. Never get a credit card or any financial product with Citi!
Product: Vehicle loan or lease

Keep receiving letters from company for payment that was made and there saying it wasnt.
Product: Mortgage

My wife, who originally purchased this home from Wells Fargo Mortgage, has fallen ill with XXXX, and I took over her affairs. Wells Fargo, when we first applied for a " Modification '', accepted this fact, and has allowed me to work with them until now. They modified the Loan, and both myself, and my wife ( through the Court because I now have Power of Attorney ) signed all Contracts and Forms, including a Form to take their Mortgage Payment from out XXXX XXXX Account automatically. I stated, emphatically, that the payment must be taken out of our Account on the first day of the XXXX, not sooner, or later. To date, they have tried to take out a payment XXXX or 7 days after the first, which I thought had ben paid as agreed in the contract, and there was not enough funds to pay the Mortgage Note. I spoke to someone who stated they he was a XXXX Representative, and stated Wells Fargo has no control on when the payment would be taken from our Account, yet ; stated he would make sure to extend the payment until the next due date, and would take it out on the first day of XXXX. This time, the payment was sent to our XXXX XXXX 4 days before the end of XXXX, which obviously would mean the payment would be returned unpaid. Yesterday, I received XXXX different Notices from Well Fargo Bank stating our Loan would be in Default unless we paid them over {$1000.00}. After speaking to yet another person, they stated I would not be in Default if I made a payment on the first of XXXX. I stated I would do this, and the lady routed my call to their Payment Center. When I spoke to the Representative, she was somewhat rude and condescending when I started I would give her my Debit Card Number for them to take the payment on the first of XXXX. The Representative stated she would not accept my card because she did not see anywhere on the paperwork that would allow me the right to make payments on this Account. Plus, she stated that there was no evidence that I had Power of Attorney for my wife, and she refused to accept a payment from me. As I said in the beginning, I signed several Contracts, along with my wife, to Modify the Mortgage Loan, and had these Contract 's Notarized by the XXXX XXXX XXXX, as well as I have full access to my wife 's Mortgage Account. Therefore, this is an obvious attempt to harass and deny me the rights given to me by the Court, and as my wife 's Power of Attorney. If I am on the Paperwork, as well as on the Contracts with my legal Signature affixed, why would anyone at ells Fargo deny me the right to make a payment? This is very concerning to me since Wells Fargo has already shown either disdain, or just plain ignorance.to the fact that I personally signed and Notarized a Contract that stated they MUST take their payment on the first day of every month.
Product: Money transfer, virtual currency, or money service

Im inquiring about the cash app fraud. Ive used it for a couple of years. this is my username. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express concerns about Zelle 's process with handling disputes, especially in recent information highlighting issues with the Zelle platform as well. I have been using Zelle for years and in experiences there have been times when discrepancies were found I feel as if my financial institution and Zelle did not investigate certain claim thoroughly. I was informed by them that it is impossible to recover lost money and tracking was not feasible. Of course that was a huge disappointment but what else could I do, I could not go higher up and inquire. I have been reading on the CFPB lawsuit with this company that Zelle has neglected to protect consumers and have allowed repeated offenders exploit the system subjecting consumers to scams! The lack of accountability and honesty about this is just insane and disheartening. This raises so much concern to user safety.
Product: Debt collection

I am deeply concerned to discover public records on my credit  report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.
Product: Credit card

A fraudulent charge was charged to my credit card on XX/XX/year>. I immediately reported it to Apple Card. They said they would send a new credit card and reverse the charges. I received a follow-up email saying my dispute was declined. I reached back out and they said let 's put this through one more time. Today on XX/XX/year> I got my second denial of the dispute. After calling and talking to 6 different people, they kept sending me up to supervisors, they said they would escalate. 

I did not make the charge, therefore I can not provide proof of the charge or a reversal of the purchase as I did not make the charge. I can not verify a charge if I did not make it. That is the point of reporting a charge I did not make. 

In my research, I have discovered that Goldman Sachs does not honor the zero liability protection and quite often gives customers to run around. It doesn't take too much time on XXXX to see their dishonest business practices. My parents on the other hand have XXXX and have never had an issue in their 30+ years.
Product: Credit card

Bank of America Visa I had unauthorized charges and was assisted by BofA agent in ordering a lost card replacement so a new card number be issued to prevent unauthorized charges. Upon getting a new card number the charges kept being applied from the unauthorized businesses. I replied why to BofA who said the old transactions can often get transferred to a new card number We have been encountering this frequently and they apologized. I decided to close the account and my credit score was negatively impacted I think I took the right way to avoid litigation. So why do the scores drop when closing an account? 
Thank You XXXX XXXX
Product: Credit card

I made an addition payment of {$140.00} on XX/XX/year> to XXXX for Mastercard ( Continental Finance ). 

I received verbal & email confirmation that my referenced bank account will be debited on XX/XX/year> in the amount of {$140.00}. 

My statement closed on XX/XX/year> and did not reflect said payment resulting in an incorrect balance /statement balance. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ).
Product: Debt collection

Dear CCS Collections Company/ XXXX XXXX company ; I never had any relationship with XXXX XXXX and never owed that alleged {$450.00}. Basically I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f. 
2. Legal basis for attempting to collect, including applicable statutes. 
3. Proof of authorization to operate in my state. 
4. Evidence of the alleged debt, including any contract or agreement bearing my signature. 
5. Full account history, including charges, fees, and payments. 
Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit reporting or other personal consumer reports

Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Experian must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Experians duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Debt collection

I paid this company back in XX/XX/2006 this still on my credit report I need this off my credit report Im trying to buy house.
Product: Credit card or prepaid card

On XX/XX/2019 I was fraudulently over charged on my credit card for {$2100.00}. I notified the credit card provider, Barclays, and disputed the charge. Barclays acknowledged the complaint but never reversed the charge or processed the dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  Date Updated Remakes- XXXX  XXXX Bankruptcy Account Closed XXXXXXXX  Remark Code was removed from Discover Bank account XXXX Remark Code was added from Discover Bank account XXXX call XXXX to dispute this added remark adv to contact creditor XXXX- call to Discover Bank spoke with Fraud, Customer Service & Bankruptcy dept who update the notes on my account that there was no update done or records of any update. No dispute was open on or by me and they are not understanding why there was an update to the remark, was provided the only thing was it was my mistake. 
Advised to open a dispute & they would correct. 

I advised that I am in the middle of purchasing a morgage and need this updated asap I this deleted and my score rapid rescoring
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my right XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency to not furnish account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Years ago, my wife and i created Experian accounts to freeze our credit. Now when we need to unfreeze our credit, experians online portal tells us to call their number ( XXXX ). However, Experians phone number is completely automated so the no way to contact anyone at the company. I spent XXXXhree hours trying to get to someone that can unlock the account so that the credit freeze can be temporarily lifted but no combination of numbers actually gets you to anyone at Experian. This is entirely unacceptable. At several points of the automated messaging, demands to speak to someone are met with I can only refer certain reasons to a representative. But no options actually get you there, I tried. So XXXX cant login to manage my freeze and I cant get anyone at the company to fix the account because Experian doesnt let you actually reach them. Considering I am forced to used Experian as a credit bureau, a direct line to a human should be immediately available. The other reporting agencies are not this hard to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has over 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. 
This is the List of companies that did this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX,, XXXX along with the other accounts and documents i have submitted with the names of the inquiries, have all been submitted. Because I do not recognize how these accounts listed below and all the hard and soft inquiries that is reporting on my credit report.got there. I do not recognize the account number, I do not recognize the account status, I do not recognize the account balance, nor do I recognize the late payments associated with it everything reported here does not meet the FFCRA and should not be on my credit report at all nor should those inquiries. 
here are some of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 services opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX {$1400.00} XXXXXXXX XXXX XXXXt # XXXX {$380.00} I ALSO HAVE WRONG NAMES, ADDRESSES, PHONE NUMBERS ATTACHED TO MY CREDIT REPORT AS WELL THAT I HAVE ASKED NUMEROUS TIMES TO BE REMOVED i have attached documents of those names addresses and phone numbers Code 15 USC 1692 g Validation of debt AND 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit and has impacted my lively hood as well as my credit. 

Also while reviewing my personal credit report, ( Ref # XXXX ) I noticed some inaccuracies in the public records area of my file. I believe this may be a error because this/these do not belong to me. Please remove this from my file and send me an updated credit report reflecting the accurate information.

According to Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number The fact that only part of the ss #, the year of birth only and the last four of the account number are only shown does not indicate that this account belongs to me which does not meet the FCRA guidelines and does meet the code 15USC 1692g and 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit.

The credit bureaus and creditors are also in violation of my rights under the 15 USC 1681b, Permissible purposes of consumer reports I did not sign or give you permission to review my credit report, I never did any business transactions with this debt collector you are also in violation of code 15 USC 1692 b-2 acquisition of information and also sending me mail with your logo and stating this is and attempt to collect a debt.
Product: Student loan

I am writing to dispute the following information that your company provided to all XXXX major credit bureaus : XXXX, and XXXX. I have circled the items I dispute on the attached copies of the credit reports I received. 
The item that I am disputing is the second reporting from your company of my XXXX student loans on my credit bureau. According the Fair Credit Reporting Act, you have a responsibility to report accurate information on my credit bureau, currently it appears that I have a total of XXXX loans with your company with the continued reporting of the XXXX accounts that are closed. I was recently made aware of the effects of your company reporting my student loan 4 times, XXXX sets of XXXX accounts, when I was applying for the FAFSA for my daughter and was denied aid. I contacted the U.S. Department of Education in an attempt to rectify the situation when they informed me of how your company is currently reporting my student loans. They advised me to contact your company and request that the additional accounts be removed. 
I did contact your customer service department and when the representative would not acknowledge the error, I requested to speak with a manager. The manager informed me that your company changed computer systems and that all accounts were reporting double on credit bureaus because there was no other way for your company to capture the delinquency and history of the account. While, I am not disputing the accuracy of the reporting of the account, I do not think that because your company could not manage to transfer the history of your customer accounts during the computer system change, your customers, including me, should be impacted by something that was out of our control.