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

I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XXXX XXXX, 2019 I reached out to each bureau XXXX XXXX XXXX  & Equifax ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.
Product: Mortgage

I am very devastated of the way Ditech has handle my loan. I submitted all documents needed to be review for a Deed in Lieu. However I have an active sale date for XX/XX/2017. I confirmed with the Ditech Foreclosing Attorneys " XXXX '' and they have not received any request from Ditech to push my sale date BACK or to have it canceled until my Deed in Lieu is finish. I recently received a letter from Ditech dated XX/XX/2017, they have a complete packet and that they will respond within 30 days. However, I am XXXX because my sale date is still active with the Foreclosing Attorneys. I am tired that Ditech keeps prolonging my case. I am XXXX years old and it has been very difficult to move around. I am just waiting on my Deed in lieu so I can live in peace. I am too old to start all over. I have tried to negotiate a modification however ; I was not " eligible '' based on Ditech. Therefore, my last option will be a Deed in Lieu. Please help me I do not want to die before I can resolve this issue.
Product: Money transfer, virtual currency, or money service

Respected Sir/Madam Good Morning, This is XXXX XXXX XXXX. I just called the consumer financial protection bureau and they informed me about this online complaint portal. 
I am a customer of citi bank. On XX/XX/XXXX, I made an international wire transfer to XXXX XXXX XXXX ( XXXX. XXXX ) from a citi bank branch XXXX. I went to the branch and requested for an international wire transfer. The representative of the bank gave me an information sheet to complete by hand. I completed it and returned to the representative. Then, she completed some online application and gave me a print out. According to the printout the money should have been available on XX/XX/XXXX or sooner. Recipient did not receive the money on XX/XX/XXXX. That was Thursday. The next day was Friday. It is weekend on Friday and Saturday in XXXX XXXX XXXX. So, me and recipient thought that because of weekend maybe the money is not available. The recipient went to his bank on Sunday, which is a working day there to confirm incoming wire. His bank said that there is no record of it. I went to same branch on Monday and they told me that sometimes it can be delayed.On Monday evening here in USA, I got a communication copy of message between recipient and recipients bank customer relations office. The customer relations officer told him to get copy of swift message of original wire transfer from senders bank. I went to branch again on Tuesday XX/XX/XXXX. I met the representative and informed her the same. She told me there is nothing like swift message and only thing is the document that she gave me. I insisted her and she took me a room and made a phone call and transferred me the call. i assume it was someone from wire transfer department of Citi bank. I explained her the problem. She told me that she is going to initiate the trace of wire. I called Citi Bank again and informed them that the recipient has not received the wire. I told the representative to send me copy of swift message of original wire transfer and copy of swift message of the trace. Friday evening, I got the copy of swift message for the trace but until now I have not received copy of original swift message copy of wire transfer so recipient bank can work to trace. The recipient just called me and informed me that until today the bank has not received the wire. 
I am not only loosing money due to this delay but me and my wife are very stressed and worried now because the amount of transfer is USD {$100000.00} I have also sent 4 or 5 emails to officers of XXXX XXXX branch NY. As, i came to know that it was intermediary bank. But, I am not sure about it. 

My information XXXX XXXX XXXX Account at Citi bank Citi bank Account number XXXX Date of Wire XX/XX/XXXX Amount of wire transfer USD {$100000.00} Citi Bank branch used to wire transfer XXXX in XXXX NY Citi Bank Reference XXXX it is requested to the department to interfere in the matter. 

Your cooperation is appreciated in advance. 


XXXX XXXX XXXX
Product: Debt collection

Portfolio collecting keep calling my phone. I stated to them that they must be looking for my father. Additionally, I am on the do not call list and I keep getting calls. Please help.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

US Department of ED confirmed that my account went into Collections on XX/XX/year> which would seem to suggest that the first day of Delenquency had passed.

Us Department of ED Account numbers # XXXX & # XXXX is close to or past the time legally protected by the FCRA to be furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my updated credit report in XXXX XXXX I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted too many complaints with CFPB regarding my issues with Experian. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. Experian then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with Experians investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX  is suppose to have came with {$1.00} Million in Identity Theft Insurance - my information was sold to the dark web and Experian did nothing. My phone number was sold to the dark web and Experian did nothing. My email address was sold to the dark web and Experian did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXXand XX/XX/XXXX.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I WOULD LIKE TO EMPHASIZE THAT THESE ACCOUNTS WERE, IN FACT, PAID IN FULL!! Upon reviewing my records, it is clear that the accounts were paid in full, and there is no basis for the " settled '' status. Furthermore, I would like to bring to your attention that I have recently communicated with the respective bank, and they have acknowledged the error on their part. In light of this acknowledgment, they have agreed to DELETE this inaccurate information from their records in order to avoid any legal action. 
XXXX XXXX XXXXXXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
I kindly request that you promptly investigate this matter and make the necessary corrections to my credit report by removing the inaccurate " settled '' status. I expect this dispute to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) within the 30-day timeframe.
Product: Credit reporting or other personal consumer reports

It was two late payments reported for XXXX and XXXX of 2023 and I don't recollect having any payments late and this is a direct violation of my rights in the Fair Credit Reporting Act 15 usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I learned of a security breach in Equifax. This lead them to advise me that my information may have been provided to unknown parties without my written or verbal consent.
Product: Credit reporting

I have been receiving offers in the mail to consolidate my student loan. Some of them even offer total loan forgiveness. Each of these offers lists the total amount of my student loan. Most troubling however, is how close they are to the exact amount - off by a XXXX dollars or so, but more or less spot on. 

I spoke with my service provider ( XXXX XXXX ) and they said they are not allowed to disclose or sell my financial information. This still does not explain how my financial information has essentially become public.
Product: Student loan

I 've been paying my student loans for over 7 years and it does n't appear that my payments are being appropriately allocated. Most of my payments are going directly to interests and taken extremely long to pay off. I 'm not able to get payment information past 12 months to get an accurate comparison of the progress that I 've made.
Product: Credit reporting or other personal consumer reports

I requested for this information to be validated which was not been. I also attached a ftc report i'm not sure if you received it XXXX can't really tell. 

XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Sezzle XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX ( XXXX ) XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX ( # XXXX, opened XX/XX/XXXX )
Product: Debt collection

Received several ( each 2 hours all day ) which were ROBO Calls from XXXX XXXX ( XXXX ) XXXX. Announced that if I was a specific person, I should input 1, if not input 2. I input 2. I input 2. I was told to pause the message to input 1, which I did. I was then told to get the particular individual and get them to the phone. Then the ROBO call went back to if you are " " input 1 If not input 2, but then added if this is the wrong number input 3. I input 3 and the message went back to if you are " " input 1 and if not input 2, at which point I hung up the phone and and took down the information and called them back to put in a complaint. 
The first thing they asked for was the phone number associated with the account. I explained that I had no account with them and that we had no previous business arrangement with them ( which is why I tried to register this as a violation of the do not call registration. I also told them that I did not appreciate the harassing ROBO calls and to remove my phone number from their records. 
I got in touch with the specific person ( who does not live here and has not given our number ( XXXX ) to XXXX XXXX. Evidently they got my phone number from public records and decided to try to collect a debt using constant harassment. 
The harassment started before noon today, and had a repetition rate of once per 2 hour period, until XXXX this evening when I finally had enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX to apply for the XXXX XXXX XXXX and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

248.124 Reasonable opportunity to opt out. 
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ). 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means. 

( 2 ) By electronic means. 

( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. 

( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means. 

( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted. 

( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out. 

( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report, which I believe are a result of identity theft. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. I demand immediate action to investigate and rectify this matter. 

The following unauthorized inquiries have been made 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 
Please provide written confirmation once these unauthorized inquiries have been removed from my credit report. I also request a free copy of my updated credit report for my records.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Inaccuracies in My Credit Report XXXX XXXXXXXX Account To Whom It May Concern, I am formally requesting an investigation into inaccuracies reported on my Capital One account. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ), the Truth in Lending Act ( TILA ), and the CARES Act, creditors are required to report accurate information and correct any errors.

I have identified several discrepancies in my report : 1. Inconsistent dates : The last activity, closure, and reporting dates do not match across bureaus.

2. Incorrect balances : The reported balance of {$270.00} does not align with the payment history.

3. Payment history : Experian shows CO for multiple months, while other bureaus provide different or incomplete records.

4. Days past due : The number of late days reported is inconsistent with the records.

These inaccuracies negatively impact my credit history and violate the FCRA, TILA, and CARES Act, particularly if COVID-19 relief measures were not properly reflected on this account.

I request that Experian initiate an immediate investigation and work with CXXXX XXXX to correct this information. Please send me a detailed update on the outcome within the legally allowed timeframe. 

I look forward to a prompt resolution. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bank account, line of credit, and credit card had been open in my name that are all fraudulent with BancorpSouth. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and XXXX  about this issue and have received the same inaccurate results.
Product: Credit card

On XXXX I was on a website and started to get flashing alerts. One of the alerts I noticed my credit are information. I never approved or made any purchases. I immediately called my Credit card company and asked them to lock my card so that no purchased could be made. I had checked my card at that time and there was only one transaction on there for a Dr. visit I had fofr XXXX. A short time after I checked my card and there were transactions on there that were not authorised by me. I called the card company and explained what happened and they filed a dispute. I then received a letter that said I would still be charged for these transactions. This was because the representative I originally spoke to never put the hold or lock on my card as I requested. On XXXX I called them again and they did another dispute but still did not take responsiblity the it was thier fault for not locking my card. Since then I have made so many calls to try to resolve this problem. I hadn't heard anything for a while and I have been being harrassed by phone from a collection agency to whom I have talked to and explained the situation. I was told they were going to dispute the same and I still get no help. I have the names of the companies that charged my card and will be filing complaints for them as well. Now this collection company has put this on my credit report. The credit card should have taken responisility for this as they did not do what was requested.
Product: Mortgage

I first applied for a modification when I became ill with XXXX loss of income my mortgage payments went up my income for XXXX at the time were {$1400.00} amonth my mortgage payments went up after modification to {$1200.00} at that time I reached out to us bank mortgage because the reason ffor me applying for a modification on XX/XX/XXXX was cause I couldn't afford my first mortgage payments when I bought myy home in XXXX  it was {$150000.00} which is now worth $ XXXX long story short I was toold to reapply well I did again and I wanted to sale my home since I couldn't afford it bbby being XXXX and very ill my health steady declining in XXXX XXXX I received a notice from us bank home mortgage saying that my loss modification pack was facially complete on XXXX XXXX on the XXXX an appraisal was done for a property valuation an completed on XXXX XXXX I received the results for that for my reference it was for my review they said but it was really to steal my home after they found out what it was worth an its worth that because of the area and money I have invested in it which is alittle over {$110000.00} in equity I feel so scared upset worried to the point I also have XXXX  XXXX just was hospitalized for from the stress of filing a claim with my home issuance company for windstorm damages and paying a {$2000.00} deductible and {$2100.00} in mold removal that was making me sicker due to us bank and the insurance company taking their time then plumbing issues had to come out of pocket for that sewer issues and to come to find out after repairs were completed on XXXX XXXX someone shows up to my home the day before XXXX giving me a notice to vacate my home by XXXX XXXX no proper notices phone calls or emails had me waiting on the next step in the loss mitigation talk to my relationship manager at us bank home mortgage they hadn't to her anything either last I heard from XXXX ext # XXXX they were all going into a meeting 2weeks ago to figure out how did the foreclosure happened while I was in los mitigation that they had to pull records emails phone calls etc now I can't reach her can You please help me im being harassed by someone on my property everyday saying their from us bank and now a letter saying there of eviction within the next 4 days the is urgent help me its winter cold outside I have no more money left nowhere to go no family to live with im devastated terrified don't know what to do next. I feel us bank stole my property and I am losing everything while they make double on money on my home. thank you for your time
Product: Prepaid card

I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.