23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX Balance : {$2600.00}, XXXX  XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the 3 credit bureaus, XXXX, XXXX and TransUnion. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that. 

I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.
Product: Mortgage

My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX
Product: Vehicle loan or lease

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b I paid this loan off and Ive a balanced shown.

Ive attached a dispute letter, of the incomplete and inaccuracies on my credit report that violated the FCRA.
Product: Checking or savings account

Ive been banking with Chase for many years. I recently had my checking and savings accounts abruptly closed by Chase. They stated to me the decision was permanent and final and would not disclose a reason why. There were no instances of strange activity or anything out of the ordinary on the account. I didnt find out my account was closed until I went to use my debit card and it declined. They didnt notify me formally of this decision until four days later. Furthermore, I have had to face hefty fees from returned payments at the fault of Chase neglecting to notify me of this pending closure before they blocked my account. This is absolutely no way to treat your customers.I advise you to bank elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi ***SEE ATTACHMENTS WITH SUPPORTING DOCUMENTS**** I was reviewing my credit again early this morning and notice that you continue to report incomplete and misleading information on my personal info, old addresses thats not required by fcra, variatios of misspelled names, phone numbers, and inconsistencies with the 3 accounts below. 

Its my understanding that youre company or organization needs to keep solid and 100 % accurate information on my credit and anything otherwise, its a violation of fcra and consumer laws. These accounts and negative info is NOT in COMPLIANT with the laws and they need to be removed. Its impossible that you actually investigated these accounts because they are still reporting different dates of last active, different dates of last payment, different payment status and history, etc. 

How is it possible that one credit bureau deletes the item or stated that I paid one-time and never late, but you continue to report inconsistent and incomplete information? How come I disputed these accounts before, but the account status was never updated.?!? How come nothing legally was sent to me to verify the account? Saying that you verified this account as accurate, is a binding legal agreement that you follow all the protocols. Well, you didnt because its still showing those negative things on my credit and Ive ccd cfpb and ftc on this matter. I demand that you delete them all ( XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - XXXX XXXX was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????
Product: Debt collection

I co-signed for my daughter to have an operation. She was evidently making payments, but she encountered some problems and stopped paying. She was entered into a long-term drug rehabilitation center and stopped paying CARE CREDIT ( Synchrony Bank ) . I was never informed of this ; however, I was receiving mail for her from Care Credit. I opened the mail since she could not be contacted at that time. I saw that she was delinquent. I called Care Credit and made arrangements to pay the account off with three equal payments of {$370.00} and a final payment of XXXX. 
I added this plan to my Bill Pay with XXXX XXXX to comply with the agreement. XXXX XXXX sent the payments on time as agreed and forgot about that account. Care Credit never contacted me after the agreement. 
I applied for a line-of-credit with XXXX XXXX, and they turned me down because the credit bureaus reported a chargeoff with Care Credit. I investigated this and found that they had received all the payments, but only credited one.
Product: Debt collection

I was offered a settlement among via a mailed letter from Brookwood Loans. The settlement offer was for {$250.00} and had NO expiration date on the letter. When I called to make the {$250.00} payment, I was told that the offer had expired and that the new offer was double, {$500.00}. They refused to take my payment of {$250.00} and have not sent me any type of mail since but continue to report me as grossly delinquent to the credit bureaus. I want this resolved and removed from my credit.
Product: Mortgage

To whom it may concern : I have been trying save my home for the last several months. My lender keeps insisting my home is non owner occupied. I am here and have been living in my home. For the past 30 days my counselor XXXX XXXX has been fighting with them to save my home but the underwriters continue to fight back and insist that my home is not my home. That it is non owner occupied. My husband and I have been here for years! They can send whoever they want to my home and check that I am here. I have also sent several documents for proof that I am living here. They continue to ignore me! 

How is one single person going to decide if I am not living in my home! This is absolutely insane. I am trying to save my home, please help me!
Product: Vehicle loan or lease

In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the Banco Popular of Puerto Rico to verify how the car that the bank could finance me move to there. The Banco Popular did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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 and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also 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.
Product: Money transfer, virtual currency, or money service

I sent {$550.00} to my sons 's fiance on X/XX/2017. The charge for this transfer was {$49.00}. I then had to cancel the transfer because her ID was expired and the local Money Gram rep would not allow the transfer. Money Gram no longer has the option to have someone answer a test question when ID is not available. I cancelled the transaction and detailed the purpose on their questionnaire was that I wanted to send the money to a different person. At no point during this time did any message or red flag come up on the screen to state their policy that it takes 3-10 business days to refund the money that has already been taken out of your bank account ( XXXX XXXX ). It was not until I began the XXXX  transaction that Money Gram was asking me for my debit card again. Since they had my money, and it was not automatically put back into my account, I called the Money Gram number and was told of the 3-10 business day delay. I elevated my concern to the next level and that agent said that they could not change the name that I was sending to and that I had to just wait for the 3-10 days until it went back through the banking system. She told me that Money Gram triggers this transaction quickly to refund but it is the bank that can take up to 3-10 business days until they get the money back to you.
Product: Credit reporting or other personal consumer reports

I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes.

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$130.00}
Product: Checking or savings account

My Capital One Debit Mastercard was used for fraud on XX/XX/XXXX and charged {$4000.00}. It was used because my cellular telephone ( XXXX ) was stolen by a thief and the saved card information was stolen and used to make unauthorized purchases with XXXX XXXX. I promptly reported the fraud to Capital One and was promised a {$4000.00} provisional credit by XX/XX/XXXX. The Claim # XXXX. However, I did not receive the provisional credit and need it for work!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several inaccuracies and inquiries on my XXXX reporting credit agencies.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Caliber addressing an ongoing issue with Caliber 's reporting. Caliber 's is reporting inconsistent delinquencies to the three major credit bureaus. One bureau may report the account as 90 days delinquent while the other is reporting 180 days delinquent. I have previously address the issue with the three major issues however Caliber keeps verifying their inconsistent reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following account and inquiry from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts and inquiries that have been fraudulently reported as a result of this breach.

Please find the details of the account and inquiry to be blocked and deleted : Account : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} Inquiry : XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX Paypal Credit took without my authorization or consent {$170.00} out of my bank account. They then refused to return this money. They gave me the run around, refused to let me speak to a human being, and refused to return the money they had illegally and without my permission and consent stolen from my bank account. They have now removed this payment from my credit debit while also not returning it to me. When i called they claim it was a " glich '' and that it is not in any way illegeal for Paypal Credit to take money from my account without my permission or consent. That they can and will take money without my permission when ever they want to. I asked to see where i agreed to this and they hung up on me. Will you help me understand why it would be legal for a company to steal money from my bank account without consequences? Can you help me get my {$170.00} dollars back. Can you tell me what government agency enforces the laws preventing unauthorized access to personal bank accounts by credit card companies? Why would a corporation be given license to steal?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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: Vehicle loan or lease

This company repossessed my vehicle even though I was making monthly payments
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I tried to withdraw {$800.00} from the atm. The atm gave me an error message and didn't dispense any funds. I check my balance and the funds was deducted from my account even though I didn't receive it. I tried numerous times to contact cashapp by email to file a dispute but no one has answered my email. My cashapp card number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Sending money through XXXX fraudulently from my account