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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XX/XX/2020 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

NewRez LLC was not paying the correct tax amount which resulted in a past due amount of {$120.00} for tax year XXXX and {$280.00} for tax year XXXX. I contacted their tax department who assured me it would be taken care of. On XX/XX/XXXX I recieved a letter stating they are working to gather more information. On XX/XX/XXXX I logged into the debt collectors website ( after several letters and litigation threats ) to find the debt still had not been paid and had accrued " attorneys fees '' of {$420.00} for each year and {$70.00} in " other expenses ''. I have paid the amount to resovle this but this should have been NewRez LLC 's responsability. This is the worst mortgage holder I have ever worked with and would like to know why the are not properly servicing my VA mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

XXXX XXXX XXXX is report the following 120 days late I want proof that I was 120 days late There is no full account number on my credit report They keep saying they are responding, I have received no letters, where are their tracking numbers to prove they have responded. 

XXXX XXXX XXXX is violating the following code 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

I want Equifax to remove XXXX XXXX XXXX based off of 15 US Code 1681i - Procedure in case of disputed accuracy I have sent Equifax multiple letters to remove XXXX XXXX XXXX from my credit report immediately. If Equifax has responded to my inquiry, I want proof, I want a tracking number provided, to show they have responded. Equifax has responded to CFPB, but has not responded to me. They have not responded, Please ask them for proof that they have responded to my inquiry.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX ), XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX  XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards accounts opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX with a balance that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX  XXXX  and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Product: Checking or savings account

Having problems with overdrafts and my card always being hacked and having to get a XXXXnew one
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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

Hi there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information. 

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXX XXXX XXXX XXXX  Account : Account Number XXXXXXXX XXXX XXXX Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts. 

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts. 
Provide me with the results of your investigation. 
Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized. 
Correct any inaccurate information on my credit report. 

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved. 

Please provide a written response within XXXX  days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay. 

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights. 

Please remove or delete I can't purchase a home for me and my child. I'm a single mother that need assistance.
Product: Credit reporting or other personal consumer reports

This is in reference to Complaint ID XXXX and XXXX I fail to understand if the Company is actually reading what I am complaining about!!!! 

I am NOT ASKING TO REMOVE... I understand that for history logs it must remain on file. 

I am asking for it to be NON DISPLAY ... as was requested by the vendor THREE TIMES since XX/XX/XXXX- and yet Equifax is not changing it to NON-Display and claims it never received any correspondence from the vendor ( attached document ) If the Vendors response ( attachments included and are cced to CFPB by vendor ) ... each time they state " We have confirmed that a request to Equifax was made on XX/XX/XXXX, to change the XX/XX/XXXX, inquiry to a non-display inquiry. '' and after the first one they also stated " You will need to contact Equifax directly if their records are not updated as we have made multiple requests to have the credit inquiry changed to a non-display inquiry '' ... but upon contacting them they claim they never received anything from thee vendor ... and upon filing a dispute Equifax reply is " >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

After reviewing this account there are inaccuracies such as : account type, date opened, high credit, last reported, date last active, and date of last payment. There are so many differences to XXXXhe point this information can not be reliably updated, the only option is removal of this account.
Product: Mortgage

I am XXXX XXXX ( XXXX XXXX ), and I am submitting this complaint and there is no third party involved. 
I, XXXX, am a natural person consumer, and original creditor of an open-end credit plan was denied the right of disclosures to include the right of rescission as well as other violations of several sections of United States Code Title 15 chapter 41 consumer protection laws by Gateway Mortgage Group a division of Gateway First Bank , a debt collector, by unfair, deceptive, and abusive practices against me a consumer by misrepresentation of consumer credit transaction 15 U.S. Code 1641 ( c ) ; ( g ) ( 2 ) as unfair practice to deprive me consumer of informed use of credit and right of rescission of 15 USC 1635 ( a ). 

On XX/XX/2022 received complaint response from XXXX XXXX Financial Examiner/Analyst II Division of Consumer Finance Office of Financial Regulation for case number XXXX who advised to pursue remedy via Oklahoma State Banking Department who returned a response the day following the foreclosure sale as exhibited by the uploaded supporting documents. 

On XX/XX/2022 the debt collector initiated an illegal action following several complaints for violation of my right of rescission and violation of the privacy Act by furnishing without consent my personal health information to unaffiliated third parties in violation of 15 USC 1692c ( b ) and by implication of communication by attorney in violation of 15 U.S.C. 1692e ( 3 ) in dishonor my exercise of my right of rescission pursuant to 15 U.S. Code 1635 ( i ) ( 1 ) ( B ) as a result of 15 U.S.C. 1692e ( 2 ) ( A ) ; ( B ), unlawful conversion of my consumer credit transaction to foreclosure on my place of abode misclassified as real property by 15 U.S.C. 1692j ( a ) deceptive forms by summons IN THE CIRCUIT COURT OF THE SEVENTEENTH JUDICIAL CIRCUIT, IN AND FOR XXXX XXXX, FLORIDA CIVIL DIVISION CACE XXXX in effort to justify failure to comply with 15 U.S. Code 1635 ( i ) ( 1 ) ( B ) pursuant to 15 U.S.C. 1692e ( 1 ) ( 3 ) in the implication bonded attorney, uniform judge and magistrate, and process service badge. I have been harassed, humiliated and disgraced as a consumer by the imposition of abusive practices by debt collector fail to produce a rescission form in compliance to 15 U.S. Code 1635 ( a ) exempt from foreclosure/dispossession into the docket as evidence of compliance to validate U.S. Code 1692f ( 6 ) ( C ). Plaintiff was awarded final judgement, and certificate of sale was made to XXXX XXXX XXXX, on XX/XX/2022 despite fulfillment of statutory right of redemption by consumer.
Product: Credit card or prepaid card

I submitted case # XXXX to the CFPB regarding illegal actions Discover Card has engaged in regarding a dispute on my account. The response from Discover Card was false and fraudulent and did not address the full complaint. I have now requested the information for the Agent For Service of Process 7 times from employees in the Executive Offices at Discover card and have been refused a response. Discover card seems to think they are above the law in this case and needs to be investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Product: Mortgage

My mortgage is with Rushmore Loan Management Services. It is a FHA loan. I was in the care act program with several months of Forbearance. I was told by Rushmore that the forbearance payments will be " floating '' or " silent '' which they explained will be added to the end of the loan which gets repaid when the home is sold or refinanced. 

I got out of forbearance and started making payments. My lender mentioned to me that with the increase of value of my home, that I made over 3 payments after forbearance ended, and with low interest rates, I can refinance to a conventional loan resulting in much lower and affordable payments. I submitted the application, got approved, and was going to close on the loan BUT information for the closing was withheld and did not get sent to the lender for over 60 days. Now I find out that there is a 2nd lien for the forbearance which was not part of the deal. There was never documentation or approvals for this 2nd lien. The largest issue right now is that my lender is being told by XXXX, HUD, that I can only refinance to another FHA loan and must have mortgage insurance. This was never part of the deal, never a requirement, and I believe is violating federal law. The forbearance amount is around {$15000.00} and there is no reason to require this. Its not in the care act and is very unusual. 

During a pandemic XXXX HUD, and FHA should not be forcing people into higher payments when lenders are willing to give a fair loan which would greatly help families and home owners. I have a lender who approved me for a conventional loan which would reduce my monthly payment $ XXXX. XXXX and HUD need to only care about being repaid. They have no business preventing me to refinance to a better loan program!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to XXXX, Experian and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Credit card or prepaid card

On XX/XX/2022, I noticed a transaction in the amount of {$340.00} as an ATM withdrawal. The transaction happened at XXXX XXXX. and I called chime at XXXX XXXX. to inform them that I did not make this purchase more authorized this purchase. I also inform them at that time that I had my card in my possession so I was unsure how this was even happening. They informed me that it would have to be solved with their dispute team. The dispute team told me that I would have to provide information showing I did not make this transaction. At that time I went to the location that the transaction was made with a police officer and requested video tape as well as made a police report. Within one month from the date of this happening, they had closed the dispute saying that it was unfounded. At that time I reached out to detective XXXX XXXX who informed me, three other people in my local area had the same thing happened to them on that same day. XXXX  submitted documentation to me which I will submit the below that I sent to chime. They told me I had to wait anywhere from 10 to 90 days to receive a refund. Today is the 90th day which was the resolution date and I've yet to hear anything back pertaining to me getting my money back. XXXX XXXX gave me this information and told me that I should reach out if they do not give me my money back in a timely fashion. I have given them the requested amount of time and now I am getting frustrated and upset because I should have been reimbursed the same day. Had I dealt with a actual bank instead of this hole in the wall company, I would have my money back by now. Lesson learned but I still want my cash. Thank you
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$9800.00}
Product: Checking or savings account

What happened? 
1. 
We were owners of XXXX shares XXXX ADR issued by the Bank of New York Mellon. ISIN was XXXX. 

Book value of 1 DR was XXXX USD per DR ( as was stated in XXXX annual report of XXXX  ). 

Bank of New York Mellon only paid XXXX USD per DR cash proceeds for the termination of the ADR. 

Book Value exceeds cash proceeds by 15-fold. 

The company XXXX is a healthy company and keeps on producing steel at large scale. 

2. 
The payment was sent with check. ( But the check was not cashed instead it was refused to be cashed. ) 3. 
Bank of New York Mellon declared us, there were no dividend payments paid by XXXX. This was a round lie. XXXX officially declared dividends for the years XXXX and XXXX. 

The Bank of New York Mellon has never paid us the dividends. 

4. 
Bank of New York Mellon not even paid the full cash proceeds of XXXX USD per DR . 

We should only receive XXXX USD per DR . Although we are no US citizen nor US residentials the Bank of New York taxed us over five thousand USD. 
We need help in this case as we are victims of obvious fraud. We are able to proof every detail of our accusation with documents. 

Finally we ended up with nothing, we not even get the XXXX USD per DR because the checks were refused to be cashed. We lost all our funds invested in the DR product issued by Bank of New York Mellon.
Product: Money transfers

Using Paypal, I was in the process of transferring funds between myself and two other customers to purchase bulk inventory of computer parts XXXX XXXX 2016. I have the same Paypal account for over 2 years and have done the same process in the past. This time Paypal decides to " trap '' the funds into the the Paypal account. Currently Paypal is holding {$2400.00} that is not theirs, that no is looking for except me. Their internal reference number for this fiasco is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Idaho Housing and FINA ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 602 A. It also states a consumer reporting agency can not furnish a account without my written consent 15 USC 1681c ( a ) ( c ) states no Consumer reporting agency may have any consumer report containing any of the following : Items of information. Any other adverse item of information other than records of convictions or crimes which dates the reporting more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX Date Opened:XXXX Balance : {$6500.00}
Product: Debt collection

In addition to a hand full of FDCPA violations, Conserve claimed they will close their account with me and transferred it back to the creditor after being unable to verify this alleged debt. However, when I got in contact with the alleged credit, it still says the account is with Conserve. This company has lied to me multiple times regarding this alleged debt and now they can't even do the bare minimum and delete my account as they said they would. Delete my account immediately Conserve. Provide me a copy of such deletion request AND send another email and cc me into the email you send requesting the deletion because I do not believe anything that comes from this company after catching them in multiple lies. I need first hand proof of account deletion requestion.