23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Four unauthorized transactions I ( and my husband, the other authorized cardholder ) did not make posted to my card on XXXX XX/XX/2021 at approximately XXXX XXXX I was at work at the time and I heard the SMS alert come to my phone that a transaction had been processed on my credit card. 

As I did not recognize the charges, I checked with my husband the next day ( XX/XX/XXXX ) to see if he had done any transactions whatsoever online for either XXXX or XXXX ( the purported sites involved in the transaction ). He did not. That day I called Discover and notified them that the transactions were fraudulent. They said that they could not open a dispute until the charges posted, but I could put a freeze on the card. I did that. I called XXXX, which was the processor these purchases supposedly went through, and there were no transactions at all on my account during this time period. I also checked with my husband and he did not make any purchases through XXXX. I removed the credit card link with Discover on my XXXX to be on the safe side. 

When the transactions posted on Sun XX/XX/2021 I opened a formal dispute and requested that my card number be changed. This was done. The small charge for {XXXX} was credited without a dispute. 

I received notification and documentation from Discover dated XX/XX/2021 that the three charges above {$40.00} were found to be valid upon investigation and that the dispute was being closed. Included in their documentation was a copy of the purported purchase, which were all items that, firstly, I did not recognize and would not purchase, and secondly, did not receive. They were all supposedly delivered to my front porch, but these items were not delivered here and I did not receive any of them. There is no signature documentation nor a photo of the completed delivery. I searched my email for both the tracking number and the order number for the alleged purchases and there was no results. ( Under normal conditions there would be many emails regarding both a purchase and a delivery, usually including a photo of the delivery ). 

I am attaching documentation : 1 ) my XXXX activity, which shows one purchase of {XXXX} on XX/XX/XXXX. This is the only purchase I have made on XXXX this year. 
2 ) my XXXX activity, which does not include any transactions for XXXX past the XX/XX/XXXX date and no transactions for the disputed amounts at all. 
3 ) four responses from Discover regarding the disputes 4 ) screenshot of my only email account showing a search for " XXXX order '', which shows no order past the XX/XX/XXXX order for {$10.00}
Product: Credit card

On XX/XX/23, Someone applied for JPMCB w/o my knowledge.
Product: Mortgage

I have a HELOC with Wells Fargo ( WF ). As I am in the process of selling the property attached to the HELOC, my realtor asked WF for a payoff amount. He was told that the amount owed was over {$9000.00} more than what I understood as the balance of {$13000.00}. ( This is the " balance '' as reported on the WF website, and when I call in. ) The reason for the discrepancy is over {$9000.00} of accrued interest! See the attached for how " balance '' is reported. It is not the " total balance '' at all, which is misleading. <P/>In 2008 I applied for an received a hardship refinance of the HELOC that lowered the interest rate to less than 2 %. I had the understanding that this was for the life of the loan. I set up my payments at the amount needed to cover the interest at 2 %. I have made those payments without fail until present. Apparently, a year later, WF increased the interest rate to an astounding and incredulous 15.8 %! <P/>I have several accounts with WF ( see attached ) and not one of them is delinquent, or has exorbitant accrued interest like this account, and I always make my payments. In fact, none of my assets have ever accrued such an absurd amount of interest. <P/>WF has refused to offer any relief of the accrued interest. As a supposedly valued customer, I am terribly disappointed that, first, they never contacted my about the interest getting so high, that they provide a misleading and deceiving " balance '', and that they will not provide any relief. I have been a reliable customer for many, many years.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXX/XX/XXXXNEW YORK XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late/Open Inquiries in Dispute : XXXX XX/XX/XXXXXXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/XXXX2024 XX/XX/XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I am having a problem with my XXXX loan provider XXXX XXXX. I am in XXXX and I am a XXXX XXXX. I have told them I am in XXXX. I have mailed them deferment letter. I have uploaded the deferment letter. I have called them. They insist I am past due when I am XXXX XXXX XXXX XXXX. They have reported me to the credit bureau and destroying my credit,
Product: Checking or savings account

My account balanc e was discharged in a Cha  pter  XXXX  Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . To  date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.
Product: Credit reporting or other personal consumer reports

Description of the Disputes : Subject : Credit Report Discrepancies Victim of XXXX  XXXX  My name is XXXX XXXX, and I am writing to file a formal complaint regarding inaccurate and fraudulent information listed on my credit reports with XXXX, Equifax, and XXXX. As a victim of XXXX XXXX, my personal and financial information was misused without my consent, leading to several inaccuracies on my credit reports. I have already submitted dispute letters to each of the credit bureaus along with an FTC report to substantiate my claim. 

Specifically, the following accounts were reported inaccurately : XXXX. XXXX XXXX XXXX Reported as charged off with a balance of {$36000.00}, which is incorrect. 
XXXX. XXXX XXXX Reported as charged off with a balance of {$180.00}, which is incorrect. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Listed as a collection account with a balance of {$3200.00}. 
XXXX. XXXX XXXX XXXX Reported as charged off with a balance of {$180.00}, which is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX Shows 30 and 60 days past due, despite being paid and closed. 
XXXX. XXXX  XXXX Listed as disputed and closed by the credit grantor, which is not accurate. 

These discrepancies are a result of my identity being used during the time I was a victim of trafficking. I have taken the necessary steps to file disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which mandates that adverse information resulting from XXXX XXXX must be blocked within four business days once proper documentation is submitted. I provided each credit bureau with an FTC report as well as details of the accounts that were incorrectly reported. 

Despite this, I am concerned that the credit reporting agencies may not act in compliance with the law. I am requesting that the CFPB assist in ensuring my rights are fully upheld under the FCRA and that the necessary corrections are made to my credit reports without delay. 

I kindly ask that the CFPB intervene to ensure these inaccuracies are removed promptly and that the credit bureaus abide by their obligations under federal law. This fraudulent information continues to harm my credit standing, and I request that my complaint be prioritized given the circumstances. 

Thank you for your attention to this matter.
Product: Mortgage

Again, PNC engaged in fraud and predatory behaviors. Why was I given onerous terms and how did I not get better terms for my mortgage loan? Again, PNC has refused to provide any information regarding similarly selected applicants who received loan. PNC is a criminal organization and should be investigated for their loan practices to XXXX XXXX. I sincerely believe I was treated differently and was discriminated against due to my race. After all this time and delays, the response from PNC was quite dismissive and plaIn wrong. Their response is clearly a non-response and is unacceptable.
Product: Credit reporting or other personal consumer reports

Hello and good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX This account has been charged off and sent to an outside collection agency. I have asked numerous times for the said company to send me a Debt validation letter to show the amount of said owed account. This company has never done so. I do not owe the amount shown on this account is reporting frivolous. I'm asking for my credit bureaus to be updated, removing this from my credit report immediately. 

( copy of the letter sent to the creditor ) This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation, '' that is, competent evidence that I have some contractual obligation to pay you.
Product: Mortgage

I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. 
I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. 
I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. 
The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.
Product: Credit reporting or other personal consumer reports

I am filing a CFPB complaint regarding multiple fraudulent accounts that were added to my credit report without my authorization due to identity theft. These accounts were opened in my name without my knowledge, and I have not given consent for them. 

The following fraudulent accounts must be immediately removed under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( Section 605B of the Fair Credit Reporting Act ) : - XXXX  ( Account number : XXXX ) Balance : {$630.00} Opened : XX/XX/XXXX - XXXX  ( Account number : XXXX ) Balance : {$630.00} Opened : XX/XX/XXXX I have provided an FTC Identity Theft Report, a government-issued ID, my Social Security card, and a utility bill to verify my identity and support my fraud claim. 

The companies reporting these accounts have failed to provide verifiable proof that I authorized them. Under 15 U.S.C. 1681i and Section 605B, credit bureaus are required to block and remove fraudulent accounts immediately upon receipt of an identity theft report. I demand that these accounts be deleted from my credit file without further delay.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make this inquiry and have no affiliation with the creditors involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple complaints about accounts listed on my credit report that aren't mine. I have not yet received anything from the credit bureau stating they properly verified the accounts and how the accounts were verified. Anyone can respond " Yes this is accounts belong to this person '' but how are you verifying the information is accurate??? The credit bureau is obligated by law to assure the accounts they are reporting are accurate but they are not doing so. The accounts that I listed within my letter ( s ) are not mine. I've received responses stating they have verified the accounts are mine but I would like to know how are they verifying the accounts because, they aren't mine. I've requested time and time again for something with my signature but have not yet received anything.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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: Bank account or service

I opened a consumer checking account with Bank of America and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

XXXX XXXX : Account XXXX XXXX
Product: Student loan

When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!
Product: Credit reporting or other personal consumer reports

I asked Experian to remove the item from my credit report, because the account was charged off and no longer a debt with XXXX ( XXXX XXXX ). They have sold the debt to another company and is no longer their account to report on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card Barclay Bank Delaware in amount of {$3700.00}. Attached the credit report from XXXX. I never had any card open with Barclay. I have tried to dispute it and XXXX  refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following inquiries are in my Trans Union report, but I never authorized this inquiries and applied credit companies. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  ( XXXX ) XXXX
Product: Debt collection

On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/ 2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY   CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXXXX/XX/XXXX