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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a problem with XXXX  that I have already filed a complaint with because their employees added 3 lines in my account without telling me. I went to that XXXX  store located in XXXX XXXX in Massachusetts to add a line for my son, but instead one line those employees added 3 more lines and got those phones devices and for almost 2 years I was paying XXXX  for 5 lines three of them I didnt have any ideas of. I tried to get some type compensation from XXXX, they refused, but acknowledged that they were problems with that store and fired all of them. 4 years later this debt collection company name : Jeffferson capital system LLC opened a derogatory account in my credit report destroyed my credit that went from very good to fair. I was waiting for the interest rate to come down to buy a house now all my dreams are gone, since this account were opened, I have a XXXX  that never stops, Im so stressed out and dont know what to do. Please please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

In XX/XX/2016, I financed a vehicle with XXXX XXXX of XXXX. At financing, I opted to take the gap coverage. I am attaching a copy of my sales contract that clearly shows that the XXXX XXXX  was included at the time of financing. Unfortunately, a few months later, and accident occurred that totaled the vehicle. My standard auto insurance funded a claim, but as expected, the amount they paid was shy of the total left on the finance contract. This is where the gap insurance I opted for should have covered me. I have made repeated calls and visits to the dealership and XXXX XXXX about this matter, but they refuse to process my claim. The Nissan dealership, nor XXXX XXXX, does nothing to help me process my gap coverage claim. Instead, all they seem to be able to do is report that I have a {$10000.00} collection balance with their organization on my credit report ; despite the Gap coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax has reported late on my credit report on XXXX XXXX, and they didn't have them my consent to report these items, I need them removed immediately. They are in violation of U.S. Code 1681B ( A2 ).
Product: Bank account or service

On XX/XX/XXXX after getting off of my serving shift, I walked to my local Wells Fargo location in Downtown XXXX XXXX, PA to deposit {$130.00} cash into the ATM. The machine only credited my account {$5.00} dollars. As soon as this happened, I called to file a claim with Wells Fargo. They told me it will take over a month to hear the result of the claim. Being a student who desperately needs the money to pay rent and for books, I called back the next day. They credited my account {$130.00}. 

It is now XX/XX/XXXX and after looking at my account, I have noticed that they removed that credit on XX/XX/XXXX. 

There is still {$130.00} that I deposited into the ATM that is not in my account. The claim that I opened was unsuccessful in locating my money. I believe the employees at the bank did not search the ATM when I called or they saw the money in " limbo '' and took it for themselves.
Product: Debt collection

On XX/XX/XXXX I received civil suit paperwork from magistrate court. The suit was filed by a XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX is attorney working in the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The original creditor is Upgrade. I have no idea who XXXX XXXX is I have never received any paperwork from XXXX XXXX stating he obtained this account to collect a debt. The only communication I have received from XXXX XXXX is the filed lawsuit paperwork XXXX  # XXXX. The only paperwork I have received concerning this account was a settlement notice through email from the office of XXXX and XXXX dated XX/XX/XXXX and the court paperwork that was filed XX/XX/XXXX in the city of XXXX XXXX  that I knew nothing about until XX/XX/XXXX when I received a letter in the mail to pickup a civil suit paperwork for the magistrate court of XXXX XXXX. On XX/XX/XXXX I contacted the only contact information I had which was XXXX and XXXX through email and was told they no longer handled this account.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request updates to my credit report. Please ensure that the following adjustments are made to accurately reflect my personal information : Name : The only name that should be listed on my credit report is XXXX XXXX. Please remove any other names that may currently appear on my credit file. 

Address : Please update the address on my file to : XXXX XXXX XXXX, Alabama XXXXKindly remove any prior addresses, including XXXX  XXXX  XXXX, XXXX, Georgia XXXX. 

Promotional Block/Credit Freeze : I also request that you remove any promotional block or credit freeze currently listed on my credit file.

I appreciate your prompt attention to this matter. Enclosed, you will find copies of documents verifying my identity and address to assist in processing these updates. 

Thank you for your assistance in maintaining the accuracy of my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

I information was exposed and updated breach and now Im getting all crazy charges saying I owe stuff that I dont owe
Product: Checking or savings account

On XX/XX/15 I opened a checking account with M & T Bank from their public website. 

The terms of the promotion included an opportunity to earn a {$500.00} bonus from M & T Bank if I opened a new account and made {$1000.00} of payroll direct deposits. 

I saved a PDF copy of the website and offer terms to serve as a record of the original terms. 

After I completed the required activities I contacted M & T Bank 's Customer service to have them confirm that I had performed all required activities to avoid any misunderstandings before it was too late. 

At this time I was informed that the I was no longer eligible for the bonus due to not living in a specific geographic area and/or not having a copy of a mailed offer letter to my residence. 

I sent the M & T team copies of terms that I signed up for that did not include the geographic restrictions they claimed nor any indication that the offer was limited only to individuals that had received a mailed offer solicitation. I included ALL of the fine print for them to review yet they refused to acknowledge their error. 

M & T Bank will not honor the original terms I I signed up under to receive the {$500.00} bonus. They added a zip code qualification checker AFTER I opened my account. I can prove this becuase my PDF copy of the website does not include a link to confirm zip code eligibility
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have a issue with GM/AmeriCredit. 
It was supposed to come off my credit report this month and I have seen nothing i tried to dispute this item then the date of the repossession disappeared and never came back my account number : XXXX this current matter is hindering my security clearance for the XXXX XXXX. It has been in since XXXX since the repossession. The item listed on the credit report has not been removed as listed on on 3 credit bureaus. 

XXXX XXXX ID XXXX XXXX. XXXX, XXXX Account Opened XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.
Product: Credit reporting or other personal consumer reports

On the afternoon of XX/XX/year>, when I logged into XXXX to check my credit report, the bottom of the XXXX webpage showed that I had XXXX pre-approved Capital One credits. I ignored it and thought it was just an advertisement. At XXXX that morning, I suddenly received an alert from XXXX Credit Bureau that Capital One Bank had checked my credit report without my authorization and said that I applied for their credit card. I knew nothing about this. So my credit score dropped by XXXX points. I immediately called their bank at ( XXXX ) XXXX and called again at XXXX on XX/XX/year> to explain what happened. The bank operator understood what happened, but she said that she could not find any department of their bank that had checked my record, so she gave me an address in Utah and asked me to send a letter there to explain the facts. I was preparing to buy a house recently and needed to maintain my credit score, so this incident caused me a lot of mental pressure. XXXX weeks later, the bank replied to my letter, saying they knew nothing, and avoiding the fact that they had checked my credit report. I saw news today about Capital One defrauding customers, so I decided to file a complaint against them. We can not let them trample on the rights of consumers so recklessly.
Product: Credit card or prepaid card

I was randomly on my way to the store to purchase some things and I noticed that my card was locked, I went to try and unlock it but it would not unlock little while later I tried to order a new card hoping that it would refresh and I could use my card again.It did not refresh and they took XXXX XXXX for me and I could not get it back even after I texted him on the app multiple times and called even more
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  

TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX XXXX XXXX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS. 

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Debt collection

I have filed numerous complaints about this debt. I refuse to pay {$3000.00} + dollars for something I dont owe. This debi collection agency provided me with documents that I found in my email. I never signed for anything of this amount. I remember purchasing a television from a place right before the storm. It was a 55 television from XXXX XXXXXXXX in XXXX XXXX. I never brought anything else. This is not my account. The signature is not mine and I am not paying for something I dont owe. This company is a fraudulent company. The only other loan I took out was with XXXX XXXX  for {$1000.00} in 2013. I paid it back within 30 days. This documents does not contain my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding changing the phone number on my fraud alert. XX/XX/XXXX at XXXX EST. The representative was very rude and malicious not to mention lacked professional courtesy and was out of touch with Experian practices. He proceeded to tell me I needed to fax and upload documents to change my phone number and that I was looking at incorrect information on ANOTHER companies site regarding calling to change my fraud alert information. He asked for my social and then proceeded to hang up on me. They will also not allow me to remove an incorrect name is address because another company is reporting that. I have documentation showing my identity was stolen XX/XX/XXXX. The attached clearly shows their guidance from Experian.
Product: Consumer Loan

After I filed a complaint with the Consumer Financial Protection Bureau, ( please reference case number : XXXX XXXX ) Springstone/Lending Club finally agreed that just as with over XXXX of their other mislead customers, they were indeed wrong when they added Finance Charges and Late Fees to my account, and I am pleased that they finally agreed to credit these charges back to my account. 

However, as the attached documentation will show, Springstone/LendingClub 's inappropriate actions during this dispute have resulted in serious damage to my credit report and score!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus XXXX, XXXX and Equifax stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Product: Mortgage

We submitted a loan application # XXXX in XX/XX/XXXX with TBI Mortgage Company XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Mortgage Loan Officer XXXX # XXXX and received a pre-approval with the contingency of selling our current residence and selling one of our vehicles prior to closing. The home we are purchasing is a new home construction and was scheduled to be completed in XX/XX/XXXX. We received documentation with the specifics of the loan a few days after the initial pre-approval of up to {$850000.00}. During the process of adding upgrades and specifications, XXXX XXXX our Sales Associate for Toll Brothers would send over emails to TBI Mortgage requesting approval for any add-on's/upgrades. We sent emails and information to TBI Mortgage up until XX/XX/XXXX providing them with everything they asked for which was followed by an email from XXXX XXXX saying we were good to go. Our total with all upgrades included, ended up being {$830000.00} and we provided the builder with a deposit of {$62000.00}. On XX/XX/XXXX we received an email from XXXX XXXX requesting updated paycheck stubs, so we sent them over and heard nothing back. On XX/XX/XXXX we had received our closing date information from Toll Brothers. We had then received a letter from TBI on XX/XX/XXXX stating our loan was declined. We never received any caution signs or concerns about our approval from our loan officer up to that point. We were then referred by TBI to XXXX and were told that they had a product available with an approval already confirmed. Thinking everything was going according to schedule and that we had a new approval, we went to closing and sold our home on XX/XX/XXXX. In the time between closing on our previous home and the new home being built, we moved into a hotel with our XXXX children and XXXX dogs on XX/XX/XXXX. We have now been living in a hotel for over two months which has resulted in XXXX and XXXX and our dogs have lost a lot of weight due to being stuck in a cage in the hotel for at least 8 hours a day which has us very concerned. TBI has still not responded to our request for specifications or explanations and we are extremely upset that after following through on our end in regards to the home sale contingency placed by TBI, we are now left without a home and no approval. We are still living in a hotel and working diligently with other lenders to purchase the home that TBI had already approved to have built. We strongly feel that we deserved a solution from TBI instead of a hand-off to another lender for this situation. We were living in a beautiful home that we ended up selling and even took a lower bid to accommodate the contingency. XXXX has since scheduled 2 closings and dropped the ball each time as well. We are extremely discouraged and upset that after having all of our paperwork including tax documents, XXXX, and pay stubs for 8 months, they were still unable to determine our approval and instead, waited until the last minute to provide us with a decline letter after we had already sold our home.
Product: Debt collection

Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - verification through the physical verification of an original signed consumer contract or promptly remove from my credit file to which they have repeatedly replied with XXXX are also in violation of HIPAA : to which I have recently requested documentation of what they recieved from the provider of service in connection with this alleged debt
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of 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 these transactions was unfeasible. The CRPBs findings indicate that zelle that only failed to protect consumers, but also has 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.