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

Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXXBalance Owed : {$870.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX I am a victim of several credit data breaches including major credit bureaus XXXX,! Equifax and a company reporting to XXXX ( XXXX ). I have an email explaining what and how it happened ( proof ). Ive noticed several inaccuracies violating codes 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

I was terminated from my XXXX job on XX/XX/year> which caused the temporary hardship. However, I have increased income on my main job which will well cover my mortgage payments. 

Shellpoint Service Mortgage is denying the following : 1. Payment Deferment 2. Repayment Schedule 3. Refinancing 4. Forbearance My income is approximately {$120000.00} a year which will way more than cover the requested mortgage payments. In addition, I am ready to make a two-monthly payment right the way. 

I believe Shellpoint Mortgage Servicing has set sights on my property and is forcing the foreclosure.
Product: Credit card or prepaid card

On XX/XX/XXXX, I backed XXXX company on XXXX for the amount of {$320.00} for an automated litterbox. They promised delivery to occur XX/XX/XXXX, but it's been well over a year now. The sellers have not responded to buyers or XXXX  and this is starting to look like a scam. They also haven't provided any useful updates. The last update, they said they re-sold our products to others to recoup some loss, but haven't provided buyers any timelines or if they will be able to deliver the product. I filed with my credit card company earlier this year and they denied my requests twice. I was scammed. I haven't received a product and the sellers violated XXXX 's terms and conditions. It's clearly a scam and my credit card company won't push through with a charge-back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending 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: Checking or savings account

PNC Bank of XXXX NC took my grandfather 's inheritence meant for me as per his will and disbursed it to my father when he fraduently opened an account with my birth certificate forged to look like I was 18 when I was a minor. They admitted this and said although this is their fault they don't feel responsible for replacing the funds. This has been an issue for going on 7 years.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX. I reside in XXXX XXXX, NC. I kept receiving offers from a lender called Mariner Finance ( who is located at XXXX XXXX XXXX XXXX XXXX ) to my mailbox about a personal loan. A check came from them with my name on it for {$1200.00}. I called the location to ask if the check was real. The branch confirmed, so I took it to XXXX  XXXX XXXX who it is drawn off of to cash. I cashed the check successfully. A month later after I made a payment on the loan, I received a call from Mariner asking if I would possibly need a little more funding. Manager XXXX stated I was able to get {$500.00} more and to come to see him, bring I.D., Social Security Card, and last 2 pay  stubs. 

I went that same day to see XXXX, and he told me the social security numbers do not match what's on my card to what's on the computer. He asked me a question about my car, I stated yes I have a XXXX XXXX. Then he states another vehicle 's name, and I said no that's my father. My father has never lived with me, he has never resided in XXXX County which is where the city of XXXX NC is located in. He stays in XXXX, NC. 

Manager XXXX tells me well he will just have to get it switched out of my Dad 's name and into mine, no problem. I kept calling trying to inquire about what was going on and he kept telling me they were working on it. About a week later, XX/XX/2019, I talked to a representative at Mariner Finance by the name of XXXX at the XXXX XXXX location. I told her I was following up on my account and told her the issue. She stated it was approved for me and it was out of my father 's name. I went down to Mariner Finance. brought a copy of my last two pay stubs, I.D., and Social Security Card. I was placed in a room, was told to fill out a reference form. I was in the room alone for about 45 minutes to an hour. 

Manager XXXX steps into the room and says they could not get approved, they need my father 's name on it. I said No! I have already spoken to my father about this mixup and he does not want his name on any loan! The manager then started to tell me well you cashed a check meant for him. I told him that's not my problem! That is your company 's mix up and then you falsely tell me it's been fixed and I come down here and it is not! He said this happens all of the time and there is nothing they can do about it. I asked for the corporate office phone number, however, I have received no callback. 

This is not proper lending practices and I would like help on this matter. My father should not have his credit tied up because of Mariner Finance 's mistake. I am willing to have it on my name as the check came to my address in XXXX. I also believe I tried to apply to them before in my history while I was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, XXXX, and Experian and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and Experian failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputesearch regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation. of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of information. 

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

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

N accordance with the Fair Credit reporting Act of XXXX  XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase using Sezzle. The item was never received. I reached out to sezzle to try and get some assistance and they were absolutely no assistance. They opened up a dispute and quickly closed it saying it was shipped. I then opened a dispute with the credit card that I used on sezzle. Between them reaching out to the company and me as well we were finally able to get the charge credited in full. I owed nothing to sezzle and the complete charge was credited back. While the credit card company does their research they do a charge back to sezzle and advise it is under dispute because they did this sezzle is stating i was late on my payment. I was not! I never receievd the item, the company i ordered from even credited the item in full after their investigation as well and sezzle was aware of the issue this entire time. I have attempted several times to get the late payment off my credit report and I originally was told this would be taken care of. 3 months later it is not. I reached out again after several ignored responses on their said and now they are advising they " can't go back and fix something already reported '' I don't have missing payment on my credit report. I am in the process of buying a house and this is effecting it and I have everything to prove this item was credited in full and it was never received and sezzle was aware from day one. please help!
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX while on the phone with that companys sales lady and the web site. I purchased a {$500.00} gift card for {$450.00} and made a purchase that was confirmed and informed by the sales lady they would ship in three day. Item was never shipped. On the XXXX of XXXX I was told the girl who took the order made a mistake and to reorder on the web site. I was unable to reorder because their web site indicated it was already ordered. They have no record of it being ordered. The web site will not allow me to order indicates the item was already ordered. They refused to give me a refund for the gift card where no item was ever shipped. 
I contacted CitiBank to stop payment around XX/XX/XXXX. They said they would send me a letter to fill out and return. I never received the letter. Called Citibank they said they will send a new letter via email on about XX/XX/XXXX. 
Called Citibank again and was told then never received the dispute letter back of XX/XX/XXXX. I obtained the dispute reference number from Citi bank XXXX XXXX XXXX XXXX to be sent via email to XXXX I sent them the documents twice, over the next two months and they acknowledge receiving the information in a return email. I asked them to have XXXX XXXX XXXX provide evident they shipped the item and that I signed for it. 
Now on about XX/XX/XXXX Citi bank says there sorry because the time limit has elapsed and I will have to pay {$450.00}. 
Called Citibank on XX/XX/XXXX and the lady told me she can see where the letter that was supposed to be sent to me via email on about XXXX XX/XX/XXXX was never sent. She went on to say its to late to reopen the case and because of the virus there is a very small staff to handle the case that has been closed. 

XXXX XXXX
Product: Credit reporting 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. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I am well aware of Bank of America Missorui has listed suspected fraud activity on my XXXX  file, dated XX/XX/XXXX. Which I agree with because I did in fact open the Bank of America Missouri account but the thing I do not agree with is the suspect fraud activity that have been placed on my XXXX account because the suspicious activity was not done by me, therefore I should not be punished for the activity. I did not contact the police which you guys stated in the letter stating that you guys need a police report dated XX/XX/XXXX but I did contacted the bank itself instantly after I realized some changes were made to my Bank of America account. I opened up a claim to dispute the fraud activity on my account which I thought was resolved but years later I found out about XXXX  and found a huge error on my report which is holding me back from getting loans, credit cards, homes and cars.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXXXXXX XXXX  two unauthorizes wires transferred were made on my XXXX  checking account in the amount of {$9400.00} and {$9100.00} to a NAVY FEDERAL CREDIT UNION. The bank file a claim on my behalf but was unable to retrieve the funds.
Product: Credit reporting or other personal consumer reports

The below was filed via BBB XXXX. TransUnion stated that they corrected " one item '', when there were multiple items, and I see all updated except for XXXX XXXX on my report as of today, XX/XX/XXXX. TransUnion, please ( 1 ) confirm that XXXX XXXX has been corrected, ( 2 ) when it will reflect on my credit report, and ( 3 ) why this issue even started. I asked this in my BBB and your team responded with a vague and incomplete letter : " I previously opened Special Handling Case XXXX and I need to ensure this was handled correctly and that the proper resolution is provided in writing. I am an authorized user on several cards ( below ) that I previously disputed with TransUnion for removal from my credit report. When it comes to authorized users disputing removal, I was told that that these are handled differently from other disputes and are removed immediately by TransUnion ( possibly suppressed ). I was recently added back to the same accounts as an authorized user and want these reported on my credit report. The banks, accordingly, are reporting the accounts to TransUnion, but the accounts are not showing. I had 2 banks ( XXXX and XXXX XXXX ) submit tradeline reinsertion requests and was told that TransUnion blocked their ability to submit these, and they could not provide further information. Both banks experienced the same issue separately, so it is not coincidental. 

Again, this issue only affects accounts where I previously disputed removal and am an authorized user, so it is absolutely related. The banks have stated that I need to work with TransUnion, while TransUnion is stating that the banks need to work with them. I am in the middle and affected and need to know if TransUnion can do absolutely anything to resolve this ( delete the previous disputes? Remove suppressions? Manually remove blocks? ). If not, please be specific on what I need to tell the banks and what their next steps are. 

The banks and last 4 of the affected accounts are below : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit card or prepaid card

My wife applied for a credit card with Chase and was denied. When we received the denial letter, Chase had denied HER application based on my credit. My wife used her social security number, date of birth and income information. None of my information was included on the application for the credit card, only my wife 's info. When we received the denial letter, it stated the card was denied due to MY credit, when none of my information was on the application, and Chase did not have permissible purpose to pull my credit. I am concerned this unwarranted credit inquiry will negatively impact my credit score. The Chase reference number on the denial letter is XXXX sent onXX/XX/XXXX. The application was made by my wife onXX/XX/XXXX. The card was denied due to a bankruptcy that is on MY credit only. My wife did not file for the bankruptcy that is reported on my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Product: Credit reporting or other personal consumer reports

I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit. There are accounts on my credit report that do not belong to me, likely due to mixed or misreported information. These inaccuracies and mixed information are damaging my credit standing and raising serious concerns, especially given my ongoing issues with fraud and identity theft. This situation is not only frustrating but also a violation of my rights as a consumer, affecting my financial stability.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX  - XXXX - {$2000.00} XXXX XXXX XXXX - XXXX - {$4200.00} XXXX XXXX XXXX - XXXX - {$16000.00} XXXX XXXX  - XXXX - {$2600.00} XXXX XXXX XXXX - XXXX - {$11000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX  XXXX XXXX - {$5300.00} XXXX XXXX XXXX - XXXX - {$740.00} XXXX XXXX XXXX XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$700.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$3200.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Debt collection

I just received an letter in the mail stating that I owe over XXXX XXXX dollars for a credit card I didnt even have or havent any knowledge about, the representative over the phone says it was back in the early XXXX. I havent received a credit card by a company providen or asset acceptance , LLC and they want to garnish my pay check, to pay this amount that Im not aware of I dont know nothing about this credit card or debit collector thats in my name, please help I dont have a clue, I never been through this before, how someone can get my name and personal information. This confessions me, that a person stole my identity account # XXXX Im at the police station right now to report identity theft. This is the first notice I received in the mail, that why Im scared nervous and upset at the same time.
Product: Credit reporting

Experian has relied on XXXX arguments to keep a delinquent mortgage payment reporting by such debt collector in my credit report citing " The result summary provided by XXXX on XXXX XXXX, XXXX ''. In addition, Experian maintains that FCRA does not require that consumer reporting agencies act as mediators or negotiatiors in account disputes. 

I have not been asking Experian to act as a mediator or negotiator in my dispute with XXXX 's malicious delinquency reporting alleging a missed on-time mortgage payment. I am simply stating that such delinquency reporting is not warranted and that it must be deleted from my credit report. In fact, on XXXX XXXX, XXXX, I requested from XXXX a mortgage pay off amount and which it provided and full payment was made on XXXX XXXX, XXXX prior to XXXX XXXX, XXXX through which the payoff quote was valid. 

According to the following real estate transaction manifest, " Once the property is sold and the debt is paid, the mortgagor 's obligation to the mortgagee is over ''. Consequently, XXXX does not have any basis whatsoever to report the loan delinquent once it had received all of its payments within the time frame stipulated in its pay off quote. Experian 's decision to accommodate XXXX 's abusive & capricious action, is in fact totally an act of pure discrimination toward me by both Experian and XXXX. This has been going on since XXXX XXXX, XXXX when the mortgage was acquired from XXXX XXXX Mortgage XXXX at an interest rate of 7.938 % and, the mortgage subsequently transferred to XXXX, a debt collector, for servicing. Immediately after the financial meltdown of XXXX, I repeatedly requested from XXXX to have the loan modified which it never agreed to claiming that I was wealthy enough to support the mortgage payments at that high interest rate while the property had devalued significantly. In fact it was puchased for {$230000.00} in XXXX and sold for only {$180000.00}, after many years with that heavy financial burden. The loan was paid off in its totality within a certain time frame and therefore can not be reported to be delinquent.