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

Ive been trying since XX/XX/2018 to have information verified for bankruptcies listed on my credit report. The bankruptcies arent showing the accurate information and is missing information as well. Ive been place into the Speciality Dept and have been speaking with XXXX XXXX previously. Today I spoke with a rep named XXXX in which she called the XXXX bankruptcy line by my request and it listed the information. She stated if it was incorrect she wouldnt delete it she would update it to reflect the correct and missing information. After the call she stated the information was accurate even after listening and she also refused to further investigate to get the missing information. I even suggested she contact the attorney for the correct information and he words were Im not going to argue with you. These accounts arent being fully investigated. According to the CFPB guidelines no inaccurate information should remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 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
Product: Mortgage

my name is XXXX XXXX my father XXXX XXXX XXXX XXXX address XXXX XXXX tx XXXX passed away in 2021 XXXX i have payed XXXX toward the mortgage and escrow and I'm needing clarification on debt owed and plus change over from XXXX XXXX to the Wells Fargo. payment modification, in the summary auditinterest, owed, paid and in full. Wells Fargo hedge you have to get back to me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1 XXXX inquiry.
Product: Credit card or prepaid card

Long story short I made a purchase and did not get what I paid for. I submitted a complaint for reimbursement of funds through Bank of America. I asked to speak to someone in charge of the disputes department, and got ignored.I was asked to submit a claim for my dispute. I submit everything they asked for on X/XX/17, and I was denied my refund because Bank of America told me, " We understand that you were n't satisfied with the outcome of the service the merchant provided, but they have the right to receive payment for any services that were rendered. '' It was not a matter of not being satisified. It was a matter of not getting what I paid for. What if you were charged for something for a service that you did not get in full? Would n't you want some kind of refund?
<P/>You would n't let yourself be scammed by a company so why should I be scammed? I put in another claim and was called by the manager, and once again I followed directions. I submitted my proofs. The manager even told me yes I want to help you, call me, etc. I submitted the claim again, called like I was instructed to, was ignored, and given a claim denial letter on XX/XX/17. <P/>XXXX XXXX BANK OF AMERICA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I am filing a comaont about cash app block inc. Due to a inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) specifically casp app failed to take timely and effective mesasures to prevent address fraud on there platform leaving my account vulnerable and unprotected there dispute resolution was unfair and deceptive as they did not comply with error resolution requirements. Under the electronic fund transfer act ( efta ) and regulation!!! these actions have caused significant inconvenience and finacial loss and I seek appropriate redress for these violations thank you!!
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the same accounts before. The result was to remove the negative information from my files, and yes it got removed. However, it opens the same debt amount under another name, making my credit score to go down. Im working very hard to have with my credit report and I do not appreciate for this company to make look bad when I working hard to have my record in good standing. 
Please help, these collection companies play with peoples life by doing/reporting whatever they want without knowing the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct. # XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Good morning CFPB, In XX/XX/XXXX the servicing on my home mortgage was transferred from XXXX XXXX XXXX to NationStar Mortgage dba Mr. Cooper. Effective with my XX/XX/XXXX payment, I was instructed to begin making my monthly payments to Mr. Cooper. 

I will note that I am in an active Chapter XXXX bankruptcy. At the time servicing was taken over by Mr. Cooper, there was a small amount owed in mortgage arrears, but I was nearly complete in paying my past due payments. By XX/XX/XXXX, I had completed all arrears payments and was once again current on my home mortgage. 

The Problem : Since Mr. Cooper took over servicing on my account in XX/XX/XXXX, I have NOT received a monthly mortgage statement. I have contacted the lender multiple times in writing and via telephone requesting a mortgage statement. I was told my property was flagged for surrender and I stated that was completely inaccurate - the whole purpose of the Chapter XXXX bankruptcy was to keep the house. They performed research and discovered the account had been flagged incorrectly when servicing was transferred. The lender promised everything had been resolved and I should start receiving my monthly statement in XX/XX/XXXX,,, ,then it was going to be XX/XX/XXXX ... and now they've said I should receive it for the XX/XX/XXXX payment .... still nothing. 

This lender has demonstrated a lack of accuracy and transparency in the handling of my mortgage account and my only tool for tracking and transparency is the monthly mortgage statement to which I am entitled as per the XX/XX/XXXX CFPB rule. 

I would greatly appreciate assistance in achieving resolution with this matter.
Product: Checking or savings account

Someone accessed my account and transferred all of my money to another account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$5400.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

This is my 3rd complaint against this company on same issue, the account is part of Identify Theft. 
Previous complaint XXXX was closed when CFPB received company response on XX/XX/2018 where company indicated that " I have attached notes from XXXX system as to how XXXX concluded this account does in fact belong to XXXX XXXX '' but there is not any note attached from XXXX 's system. 

Please review the company 's response to complaint XXXX on XX/XX/2018 and see how this company has been misleading all of us. 

I request Source Receivable to provide a complete details on this account when it was open, including a copy of the identification provided when account was open, how and where this account was opened, how they have come up with the amount they have claimed.
Product: Vehicle loan or lease

On or about XX/XX/2018 I went to XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX GA because I needed a car to get to work. I saw a XXXX XXXX  XXXX XXXX and decided to purchase it. The deal was for {$17000.00} and my interest rate came out to 18.32 %. I was confused as to why my rate was this high but was told that it was because of a recent bankruptcy filing. I decided to let things be and move forward with my life because I am suffering from a XXXX. Over the last 12 months I was repeatedly told by a credit monitoring agency that I was overpaying and that the interest rate is too high for my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. To whom this may concern. TransUnion and XXXX  deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed a negative account on my credit report from Spring Oaks Capital LLC. I mailed out a debt validation packet on XX/XX/2022 in a certified letter which was received and signed for by Spring Oaks Capital LLC on XX/XX/2022 at XXXX A.M. As of today XX/XX/2022 Spring Oaks Capital LLC has failed to validate the debt in a timely manner and is still illegally reporting this unverifiable debt to my XXXX credit report.
Product: Credit card or prepaid card

On XX/XX/2023 someone tried to open a XXXX XXXX credit card without my authorization. As well as on XX/XX/2023 someone tried to open a XXXX XXXX XXXX Credit Card without my consent. These two inquiries are showing on my credit report and they were fraud. I called both credit cards companies and told them it was fraud as well I called all three credit bureaus to inform them it was fraud as well. The credit bureaus put a hold on my credit so that anyone trying to open a line of credit needs to call me first before automatically approving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXX is still reporting. As stated in my letter, I was a victim of the Equifax XXXX breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the Equifax data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.
Product: Student loan

premier student loans said that i was gon na recieved help to pay my students loans. this company claim to provide service handling all the paper work for you and making a flat fee of {$30.00} dollars a month after 4 payments of {$230.00} dollars. the first payment was for their fee and after that everything else was gon na go to my students loans payments which never happen. I tried to talk to them and asking for my money back and to cancel any other future charges to my credit card but they dont want to give me my money back. they lie to me my students balance is exactly the same and 1 year of their service, federal students loans have not received any payment whatsoever. they told me they would fix it and nothing, i want my money back and report them for their fraud.this is the name of the first person i talked to. 
XXXX XXXX PREMIER STUDENT LOAN CENTER Direct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off account over a month ago and have asked the company to update my credit report. When I file a dispute with the balance with the credit bureau, the company keeps stating that the balance is correct. The balance is XXXX. They will not report that this account is paid off. I told that I need this done for other financial reason. Company will not assist me with this. I asked when I paid off when will this be reported. I was told at the end of the month. The end of XXXX has passed and it is almost the end of XXXX and the company has still not updated my credit report. It only took two weeks for them to report that I had a loan with them but they take their time in reporting that the loan has been paid off. I need this off my debt ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan originated on XX/XX/XXXX with XXXX XXXX XXXX. Amount was for XXXX at XXXX percent rate. 
After closely reviewing the billing statements on XXXX. The total interest paid was XXXX. Total principal paid XXXX. At that time I requested XXXX XXXX XXXX to review the balances and recalculate the correct payoff, if any amount remained. I notified that I would cease payments until rectified. The department did not respond to my letters until XX/XX/XXXX. Instead of acknowledging my formal request, I received a repossession notice. To avoid the threat of repossession I made the requested minimum payment of XXXX on XX/XX/XXXX. I contacted XXXX XXXX via phone center reiterating the billing issues. 
On XX/XX/XXXX the vehicle was towed at my work location. XXXX XXXX admitted to claiming the vehicle and demanding a release fee of XXXX. I informed XXXX XXXX that by repossessing my vehicle after making the requested payment was a criminal act of theft. 
XX/XX/XXXX i reported the matter to credit bureau After a timely delay I received notice from credit agency in XX/XX/XXXX. XXXX XXXX agreed to remove the balance of XXXX. 
Currently as of XX/XX/XXXX credit reporting. The account is worded Write off XXXX. XXXX past due. Along with derogatorily late reporting from XXXX of XXXX during the investigation. 
Please review statements for balance errors.
Product: Debt collection

This complaint is in reference to ALLY FINANCIAL Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Product: Credit reporting or other personal consumer reports

I noticed that one of my creditors, XXXX XXXX, in association with XXXX for my XXXX credit card pulled my credit report without my consent and used it to lower my credit limit. I have not recently applied for a new card nor applied for a credit limit increase that would warrant them pulling the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opting out of Capital One and XXXX sharing my financial history. Capital One agreed not to share my financial information with non affiliates. XXXX is not an affiliate of Capital One and is not the true credit bureau the CFPB is and they do not furnish consumer reports. XXXX is a for profit company and does not have my consent to share my financial history with Capital One.

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion for hard inquiries on my credit report that I do not recognize nor did I give these companies permission to pull my credit. Its been over 45 days and still no response
Product: Mortgage

XXXX XXXX 's home sold back to Ocwen on XX/XX/2018. There was a 6 month redemption period in which Mr. XXXX had planned on gathering funds to redeem the property. Ocwen and their attorneys were notified of Mr . 
XXXX 's intention to redeem. On XX/XX/2018 Ocwen was sent a request for the Redemption Payoff Amount. Ocwen 's attorneys advised that it would take 4-7 business days to calculate and notify Mr. XXXX. Mr. XXXX did not receive the redemption figures until XX/XX/2018. On XX/XX/2018 Ocwen requested a call on XX/XX/2018 to discuss the logistics of the redemption. On XX/XX/2018 Ocwen sent Mr. XXXX a Notice to Vacate expressing their intentions to initiate eviction proceedings. 

Ocwen has violated Regulation X, 12 C.F.R. 1024.41 ( g ), by failing to honor Mr. XXXX 's request for redemption and by advancing foreclosure during the redemption negotiations.