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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

On my credit report I see an open credit card through Capital one with an active balance of {$700.00}. I tried to dispute this account as I had no knowledge of the account and Capital one did not accept the dispute. Dispute filed on XX/XX/ through XXXX.
Product: Money transfer, virtual currency, or money service

Right now with cash app has been going on since XX/XX/XXXX my funds have been frozen and no response from the company as in whats going on, I have over 800 $ worth of currency. And I have yet to hear anything going on two weeks now. After multiple emails. No way of actually calling or getting hold of customer service
Product: Mortgage

My home that I have owned for 18 years is scheduled to be sold at foreclosure on XXXX XXXX. Even though I have an FHA loan and sufficient fixed income, my mortgage servicer Nationstar is refusing to give me any options or agree to work with me to resolve this matter. They bombard me with collection calls telling me I have to pay them, and believe me I have tried to resume making payments to them. But when I go into their system it will not allow me to make a payment unless I reinstate the full past due balance ( a little over {$5000.00} ). I am not able to do that at this time. I find it hard to believe that there are no programs or options available for me. I have a reliable fixed income ( XXXX ) and this is a government insured loan. I believe that Nationstar is denying access to programs that should be made available to them because they prefer to auction this home instead of working with me. This is heartbreaking and wrong and I need someone to hold them accountable. 

I ran into financial difficulty a few years ago and went through the modification process with Nationstar and was approved for help through the government program. This plan actually RAISED my monthly payment, but I still faithfully made the payment each month. Things took a turn for the worse in XXXX XXXX when I XXXX. A couple of months later I was fired from my job because I had difficulty performing the duties. I hung on as long as I could and applied for XXXX benefits, but it took a long time to get approved for this. By XXXX of XXXX I was out of money and began defaulting on the mortgage payment. I immediately contacted Nationstar to try and work this situation out and began going through the process of applying for help. I was told that they were willing to help, and since I had gone through such a XXXX event ( XXXX and job loss and decrease in income ) that Nationstar would DEFINITELY work with me. Unfortunately that was not true. I went through the process and was told that since I had received help in XXXX that I could not receive help again. I tried to question this information after talking to HUD and tried to start the process again but was blocked by Nationstar. 

I do not believe that is the FHA rule for modification or restructuring assistance and do n't believe that Nationstar should be blocking me from reapplying to get a review based on my current income. 
I want to fix this problem, I want to save my house, which provides shelter for me and my husband and our daughter. I do n't understand why Nationstar is providing no options. I receive a steady XXXX check monthly and will be receiving it for the rest of my life so if they would work with me this problem will be put to bed and they will receive all of their money. Instead, I feel that Nationstar is violating the federal and state guidelines pertaining to FHA loans and moving to auction off my home. I do not want to stand idly by and let this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed that I had some late payments on an account that I was never late for. The consumer reporting agencies have played a very important role and have the ability to report consumer information as accurately as passible. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing me where these payments were late. If proof can not be established, I demand that these payments be updated to on time as they should be because I was never late I have also attached a screenshot of the dates of XX/XX/2023 showing my payments being 60days late. How are my payments 60 days late but the previous month on XX/XX/2023 my payments were marked on time.

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency.
Product: Credit reporting

I am trying to put a freeze on my credit. I accessed the respective links from this site : XXXX since the fees are state dependent. There was no issue with XXXX and XXXX. I was able to complete and freeze the account online. With TransUnion, it first asked me to create an account. Then upon entering all details it said could not complete it online and asked to call a number. It was obvious it was an outsourced call, and the first thing I have to provide is my SSN. Seriously? I am trying to put a credit freeze due to a hacking of my personal information, and now I have to give my SSN to someone on the phone? 
This is the message I am given : What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at ( XXXX ) XXXX to initiate your security freeze transaction by phone. 

TransUnion needs to have a better way for Individuals to freeze their credit online. I am unclear on what data is incorrect, as it is not identified. If the other XXXX agencies could transact and freeze my credit why does TransUnion have an issue with the data? Perhaps they want to tie me in to a subscription?????
Product: Credit card or prepaid card

I have two accounts with Fortiva since XXXX and never defaulted on either. They charged fees even when no charges were made for purchases. On XX/XX/XXXX the company closed both accounts without notice after charging me for XX/XX/XXXX fees which I paid {$12.00} on XX/XX/XXXX and {$10.00} on XX/XX/XXXX. I contacted customer service, they refused to refund me for the XX/XX/XXXX fees they charged and were paid for in advance even though they canceled both accounts for inactivity on XX/XX/XXXX.
Product: Credit card or prepaid card

In the last week of XX/XX/2019 I reported some of the fraudulent activity on my HSBC credit card with a police report. Its been three weeks I haven't received any letter regarding fraudulent activity. they haven't sent me my new card. Haven't given me any kind of credit and in fact sent my card to collections. 

I received a call from collections to collect {$50.00}. 

My card ends in XXXX which had fraudulent activity on it. 

Whenever I call customer care they just transfer me from one department to another, asking me If I am calling from US or not. Verifying me each time by each agent by sending me a text message which I never receive and then saying that my phone is not registered in US. I am totally irritated. 

Sometimes the call goes to XXXX other times to XXXX. 

When I applied for the credit card I was told that I will not be held responsible for unauthorized charges, so why the bank is not honoring it? 

Today was my 10th call regarding this matter. Most of the times when I call their fraud dept is closed. They are just transferring me from one department to another. Disgusting customer service. 

And when I am calling from the US phone number why they have to ask me each time that if I am calling from US or not? 

Today I received the bill from HSBC where they have changed the credit card number but haven't given me the credit for the fraudulent transactions. and there is no message in online secure center and customer service is rubbish
Product: Credit reporting or other personal consumer reports

Disputed inaccurate information on my credit report
Product: Checking or savings account

I tried to open a representative payee checking account, which Capital One told me they stopped offering last year, mentioning that this is part of how they keep costs low for everyone. I am representative payee for my XXXX y.o. son and his XXXX benefits, and the rules are clear : no joint account. Which is the only option Capital One seems to have available now. XXXX The account with one owner, which I tried to open for my son to comply with the XXXX rules, is not able to accept deposits of his checks according to Capital One rules because they have my name on them, formatted as " XXXX Representative Payee XXXX for XXXX Beneficiary ) '', and they claim to have no option to title the account as required by XXXX rules. ) All this is a problem for me, and my son, -- including, now I don't have access to the money from the check Capital One accepted for deposit, so I can't pay his expenses with it. And, XXXX requires he received his benefits via direct deposit, which I obviously can't do without an account. 

So, I will find another bank to take my business to. 

Big picture, though, this seems like discrimination against people with XXXX. Whether or not it was their aim, Capital One has effectively prevented all XXXX people who rely on representative payees from using their bank.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ONCE AGAIN CFPB DO YOU EVEN READ MY COMPLAINTS OVER THE SAME THING FOR 5 YEARS NOW. WHAT IS THE PROBLEM? I AM DEALING WITH A BUNCH OF LIERS AND YOU DO XXXX TO HELP AN INNOCENT PERSON.
Product: Debt collection

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In The Center Next To XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. 

Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft. 

I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeatedly, unexplainably blocked canceled erased deleted, and or hacked suspiciously with some sort of malware phishing, scams and other security breaching tools that have plagued me for years and have no results with both automated online mobile and customer service request.
Product: Credit card or prepaid card

Had a previous promo with 0 % interest that was about to expire. Thought I paid off the balance, but payment was applied to a different balance transfer that was not to expire until later in 2019. It was my understanding that the payment would be applied to the promotional balance that was to expire first. Spoke to the credit company and they would not correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about all three credit bureaus - XXXX, Experian and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Product: Credit card or prepaid card

I received an e-mail from Synchrony Financial that my payment was past due. I set up my account on auto pay ( their auto pay ) to be timed to pay my account in full before the promo expired. Apparently their system shut it off and when on the phone with a representative today, she did not know why. She immediately refunded all of the interest and fees, and took my last payment to pay in full. When I asked her to ensure I am not reported past due ( I asked 3 times ), she repeatedly told me to file a dispute and call customer service. To me, this is an act of consumer harm under the eyes of the UDAAP act, and I as a consumer am left hanging with no recourse other than a credit dispute. I have sent letters to XXXX XXXX ( Board of Directors head ), XXXX XXXX ( President & CEO ), XXXX XXXX ( Chief Audit Executive ) and the Customer Complaints Group. Consumers should not have to go through this. As a result, I will no longer do business with them as this is the 2nd time this has happened in the last 7 years.
Product: Mortgage

There is some confusion about the address of the property Ocwen received in a recent lawsuit settlement. The deed of trust was signed by XXXX XXXX whom was the owner of that property. The property address is XXXX XXXX XXXX, Ms XXXX. 
Ocwen has sent a 1099A form to XXXX XXXX with the property address of XXXX XXXX XXXX Ms XXXX. Also the Fair Market value was incorrect. It was based on XXXX XXXX  instead of XXXX XXXX XXXX, Ms XXXX.XXXX  XXXX was not the owner of the property at the time it was signed over to Ocwen therefore I am not sure she is responsible for the debt of the property as indicated on the tax form. 
XXXX and XXXX sent XXXX XXXX certified letters threatening eviction of property owned by XXXX XXXX her husband and owner of XXXX XXXX as shown on the enclosed documents. XXXX XXXX is vacant.
Product: Credit reporting or other personal consumer reports

TODAY I NOTICED UNAUTHORIZED LOANS ON MY CREDIT REPORT THAT I DOD NOT AUTHORIZE OR HAVE KNOWLEDGE OF. I STARTED TO DISPUTE WITH ALL XXXX CREDIT BUREAUS. THE AMOUNTS ARE OVER XXXX  XXXX. I WANT THEM REMOVED WITH ANY HARD INQURIES FROM ALL XXXX CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025, I requested my credit report and noticed that Bank of America has placed a note on my report regarding a checking account fraud. I have never committed any type of fraud and have not used Bank of America in years. I never received notification of this, and was never aware this occurred. I need this removed from my account as soon as possible as well as investigated. I lost my card and never used the account again since that time period.
Product: Debt collection

I am writing to formally lodge a complaint against Pacific Credit Exchange. They have been engaging in practices that I believe violate my consumer rights under federal law. Specifically, Pacific exchange has reported without providing me with the required validation information, as mandated under 12 CFR 1006.34 ( B ) ( 5 ). I have not been given any opportunity to dispute this account as required by 12 CFR 100.634 ( C ) ( 4 ) ( I ).

These actions by Pacific Credit Exchange Constitute a violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. Their failure to adhere to these legal requirements has caused me significant distress and has adversely affected my credit standing.
Product: Credit card

Subject : Dispute of Charged-Off Account and Missing 1099-C Form Dear USAA Savings Bank, I am writing to dispute the information reported regarding my account, specifically the " charged off '' status that has been indicated. According to IRS guidelines, when a debt is charged off, the creditor is required to issue a Form 1099-C, Cancellation of Debt. 
As of today, I have not received the 1099-C form for this account, and I believe this constitutes a failure on your part to meet IRS reporting requirements. I am requesting that you either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account entirely if no 1099-C is issued.

If this matter is not resolved promptly, I will have no choice but to contact the IRS and report this as potential fraud and noncompliance with federal tax laws. I expect to hear from you within 30 days to confirm either the issuance of the 1099-C or the removal of the charged-off notation.

Please treat this matter with the urgency it deserves. 

Sincerely,
Product: Debt or credit management

Please delete all accounts and that upon my name, I do not recognize this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is my XXXX attempt at resolving this issue. I mailed in a letter to dispute some fraudulent inquiries on my credit report. XXXX XXXX ( XX/XX/2022 ). XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX finance ( XX/XX/2022 ). XXXX auto ( XX/XX/2022 ). All these inquiries were made without my consent by a unknown person or business. Please Remove.
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  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

I received a credit alert informing me that this company " Informative Research '' home loans requested a copy of my credit report on XX/XX/2022. I have not applied for any loans, mortgages, or other financial products with this company or any of their affiliates. I did not apply for any credit on or around XX/XX/2022. I did not give this company authorization to access my credit report and I have no idea why they did. I searched this company online and found reports from multiple consumers who have experienced this same issue. I have previously been a victim of identity theft and this may be a result of that past identity theft. I contacted the credit bureau directly and was told that I needed to contact this company and alert them and request that they tell the credit bureau to remove the inquiry.
Product: Debt collection

Called a friend of mine who I also regulatory commission services from, using information from a third party they are affiliated with. This person also happens to be a friend, but is not listed as a contact on my account what so ever. The only way they could have gotten her phone number, would be to use a third Party they are affiliated with, to see who I have sent money to, and called their contact number on their account. 
They clearly stated they where calling from a Credit company and looking for me. This alerted them to the fact I have debt, and I 'm behind in it. 

I have NOT used their payment method to pay this client, I have always paid using the third party they are affiliated with, direct from my bank account. Even if I had, they still should not be calling a XXXX party, in another state, there would be XXXX expectation I would be at their house, or picking up phone calls from their personal phone.
Product: Debt collection

XXXX XXXX XXXX Bought a debt from XXXX, so the original creditor was payed for the amount the bill actually was, which was back in XX/XX/XXXX, XXXX XXXX XXXX bought the debt in XX/XX/XXXX and it was placed on my credit report as a recent collections debt. I tried to file a dispute with the credit agency and they refused to remove it from the credit report. I requested the original contract from the original debtor and it says that XXXX was Paid, So it needs to be removed from my credit report.
Product: Consumer Loan

My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. 
This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.