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

I am a documented victim of identity theft resulting from the Equifax data breach. The breach has led to fraudulent accounts, unauthorized inquiries, and inaccurate personal information appearing on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these entries from my report. 

In accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Equifax is legally obligated to block all fraudulent information resulting from identity theft within four business days of receiving this request. Failure to do so is a direct violation of federal law. Under Section 605 ( c ), no adverse information resulting from this theft should be included in my report.

FCRA Compliance Requirements : Verification of Accounts : As specified under FCRA Section 609 ( a ) ( 1 ) ( A ), Equifax is required to provide original signed consumer contracts for any account on my report. If you are unable to produce these contracts, these accounts must be removed immediately as they are unverifiable and fraudulent.

Obligation to Correct Inaccuracies : Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax is mandated to correct or delete inaccurate information from my file promptly. I am invoking this right to demand removal of all erroneous information listed below.

Liability for Non-Compliance : Should Equifax fail to act within the legally specified time frame, I will pursue remedies provided under FCRA Section 616 ( 15 U.S.C. 1681n ), which allows for damages for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ), which covers negligent non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking of several fraudulent inquiries on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These inquiries are fraudulent and do not reflect any legitimate credit applications or transactions initiated by me. 
I send FTC report to Trans Union before, but they did ignore it, I guess people did not work correct way that time. 

Below are the details of the fraudulent inquiries : XXXX XXXX XXXX XXXX : XXXX. XXXX, 2024  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2024 XXXX XXXX  Inquiry : XX/XX/year>2024 XXXX XXXX XXXX : XXXX XXXX, 2024  XXXX XXXX XXXX : XXXX. XXXX, 2024
Product: Credit reporting or other personal consumer reports

Sears citi credit card is reporting a late on my credit report over a disputed amount I initiated an investigation on approximately XXXX of XXXX. They failed to investigate timely and properly it went into XXXX. Not only did they refund me by paper check I also paid the XXXX in XX/XX/XXXX when they reported me late. I called and spoke to managers and they said they were not going to report anything to the disputed amount to the credit agencies and I trusted that response. My credit is flawless besides this mark and it's has affected my ability to obtain credit, or effected the interest rate at which I obtained credit. I contacted SEARS multiple times and disputed with all three credit agencies SEARS CITI refuses to remove the late claiming its accurate. I offered to send confirmation of payment as well and they refused it as well as requested statements over a month ago and still have not received any. I spoke with many during XXXX over this issue and many gave inaccurate information as well as other information and I was told it would all be corrected, it wasn't.
Product: Credit card or prepaid card

I was denied a prepaid card. I have fair credit XXXX range in all 3 bureaus according to my free credit report. Wasnt given any explanation from AMEX -Serve prepaid card for denial. Thats false advertisement
Product: Student loan

XXXX XXXX XXXX XXXX Debt Relief Announcement The XXXX XXXX announced on XX/XX/XXXX, that up to {$20000.00} is being provided in federal student loan debt-cancellation for loans held by the U.S. Department of Education ( ED ) . We will continue to update our website with information as we receive it and provide answers to commonly asked questions. For additional information, visit One-Time Student Loan Debt Relief and U.S. Department of Education Subscriptions to sign up for Federal Student Loan Borrower Updates . 
XXXX AES/PHEAA continues to solicit this false message despite the integrity of this " plan '' being skewed remarkably by the XXXX XXXX. PHEAA should not be engaging in misleading borrowers into thinking this is a go when a Federal Judge just blocked it from being legal. Even if this does become legal, it is not legal right now. PHEAA should not be giving borrowers a promising statement when the reality is nobody knows what is going to happen. More than likely, it will be tossed. The Economy is already destroyed due to the XXXX XXXX 's inexplicable failure. Impeachment trials have a strong likelihood of succeeding beginning in XX/XX/XXXX. 

XXXX rejected the XXXX administration 's arguments that, in a law known as the XXXX XXXX, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the XXXX pandemic is just such an emergency. 

Per XXXX XXXX XXXX : " In this country, we are not ruled by an all-powerful executive with a pen and a phone, '' XXXX wrote XXXX " Instead, we are ruled by a Constitution that provides for three distinct and independent branches of government. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a water softener from Home Depot on my Home Depot credit card on XX/XX/21 ( see attached receipt ). I returned it a few days later. Home Depot reported to the credit bureaus that I was 30, 60 and 90 days delinquent on a balance of {$3.00}. I realized they had reported this when I went to buy a home, and my lender told me my credit score was around XXXX. It is always above XXXX. I did not owe them the {$3.00}. After speaking with them, they told me that I bought a rug for {$3.00} with the water softener and did not return the rug. I did not buy a rug, therefore could not return a rug. I have spoken with their credit department numerous times, and they refuse to report their error to the credit agencies. They have told me that I need to submit proof I returned the rug, which is impossible, because I never bought a rug. They did inform me that they wrote off the {$3.00} and closed my account. This has tanked my credit and ruined my opportunity currently to buy a house. I am beyond frustrated and want this taken off my credit history immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX BANK XXXX on my credit file doesn't belong to me. It has me listed as " AUTHORIZED USER ''. I did not authorize to be added as an authorize user. I have reached out to Experian to remove from my credit file, but it is still appearing on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  {$4400.00} XX/XX/2019 Not my account, my identity was stolen at a previous address of mine that contained some of my personal info. They got ID 's in multiple states in my name, which is why I only carry a passport now. 

XXXX XXXX XXXX {$2500.00} XXXX This is a debt from XXXX XXXX that was already settled with XXXX XXXX and was flagged as a fraudulent account. The debt was removed once they found out the account was opened fraudulently.
Product: Credit card or prepaid card

I have a credit card with Sears/Citibank and have been paying on it every month ON TIME ( more than the minimum amount due ) but yet my balance is not going down. I don't even use the card that much so it makes no sense why my balance is so high. I have tried to talk with Sears/Citibank via live chat on their website ( on XX/XX/2020 and XX/XX/2020 ) but it's like trying to talk to an automated service. I can't get any answers to my questions. I need Sears/Citibank to break down to me all the charges made on my acct./credit card and explain to me exactly why my balance has not gone down.
Product: Debt collection

On XX/XX/20 a request for validation, not verification was sent. On XX/XX/20 I received a letter telling me they received my validation letter but failed to give me information I requested to validate the debt. There letter to me stated I owe XXXX. Lastly, this debt was sold by the original creditor to a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following negative items reported on my credit file. Upon reviewing my credit reports from XXXX, XXXX, and Equifax, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately as per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AFFIRM INC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

We had a brokerage account with UBS. Our financial advisors moved to XXXX XXXX and we moved our accounts there. The UBS account included a XXXX which we canceled over the phone. UBS is dunning us for the annual fee even though we canceled the card and were promised that the fee would be reversed at the time we canceled. My most recent call to UBS was today, and I asked for an address to file a written complaint with UBS and was told that they could not give me an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's inquiries on my credit report that I didn't Authorize.
Product: Money transfer, virtual currency, or money service

I'm writing to formally expressed my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claim adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am personally handling this complaint and there are no third parties involved. Enclosed are letters that explain the inaccuracies reported on my credit report. The information from XXXX, XXXX, and Equifax is incorrect, inconsistent, and outdated.
Product: Mortgage

This is as a follow up to CFPB complaint XXXX. 

On XX/XX/, I made a principal-only payment of {$80000.00}, as well as my regular XX/XX/XXXX payment of XXXX to my original loan servicer, XXXX XXXX XXXX  XXXX These payments reduced my unpaid principal balance from XXXX to XXXX. 
I have a payoff statement, a payment history statement, as well as personal correspondence from XXXX XXXXXXXX XXXX XXXXXXXX XXXX office proving my principal reduction was applied on XX/XX/XXXX. 

My loan was subsequently transferred to Nationstar/MrCooper. 

It appears that because XXXX XXXXXXXX XXXX  wanted to expedite the transfer of my loan, they did not wire my principal reduction to Nationstar/MrCooper until XX/XX/XXXX. 

Therefore in Nationstar/MrCoopers eyes, my principal reduction did not take effect until XX/XX/XXXX. And, on XX/XX/XXXX, I was charged an entire month of 7 % APR interest on my {$80000.00} payment! 

7 % of {$80000.00} is {$5600.00}, and one months worth of interest is {$460.00}. That is {$460.00} that Mr. Cooper is cheating me out of, by not honoring my XXXX payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Mortgage

We are writing to file a complaint against Freedom Mortgage company, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, Lender NMLS ID : XXXX. This is due to misleading but damaging negative reports Freedom Mortgage has supplied to XXXX and XXXX about both of us, which has affected both our credit ratings negatively. 
These credit reports state that we paid our mortgage payment late for XX/XX/XXXX with Freedom Mortgage. This is inaccurate. We paid on time, as per usual, but the payment was short {$59.00} each, because we were unaware that a recent analysis of our escrow resulted in a slightly increased monthly payment. We rectified this issue as soon as we were aware of it on XX/XX/XXXX. Nevertheless, my husband 's credit rating, which has been well over XXXX points for many years, has dropped from XXXX to XXXX with XXXX on XX/XX/XXXX and from XXXX to XXXX with XXXX on XX/XX/XXXX. 
We subsequently wrote to Freedom Mortgage and requested that they retract these negative reports to the credit agencies, but they refused on XX/XX/XXXX. Yet, we received no letter in the mail last XXXX or XXXX from Freedom Mortgage regarding the escrow analysis / higher payment, nor any letter about the incomplete payment that was deemed late. Neither of our mobile phone numbers were called by Freedom Mortgage. While I did receive a couple innocuous emails with the subject line You have a new letter available, I do not recall consenting to only electronic notices for this loan number. Furthermore, there was nothing in the subject line to indicate that this was an important and urgent matter to distinguish it from the literally hundreds of emails I receive on a weekly basis in my email ( which is why I don't consent to electronic notices ). My husband received no emails regarding this matter. 
While it may seem, given our current still good credit rating, that this complaint is not warranted, we have plans to take out another mortgage and every point in a credit rating counts as far as the interest rate for which we will be able to qualify and the amount of the payments we will have to make. Also, its just wrong that Freedom mortgage can be so careless in their communication with us about such an important matter and have it affect us - and continue to affect us - in this negative manner with no consequence to them.
Product: Mortgage

In XXXX of XXXX my Wife contracted XXXX XXXX. She was ill for approximately 8 weeks and was unable to work. We took advantage of the loan forbearance offered by XXXX XXXX XXXX  to make this period easier financially. My Wife recovered and returned to work in XXXX and we resumed the mortgage. We have made all payments since the forbearance without issue. We noticed on our online banking statement that the loan had been transferred to another company. When I called the bank they stated this was standard and that the new mortgage lender would be contacting me with information on how to make my payments. I then received a letter in the mail from XXXX XXXX XXXX stating we owed them over {$6000.00} due by XX/XX/XXXX. I contacted the new mortgage company that stated we had to pay this debt to XXXX XXXX before we would be allowed to pay our current amount due for the month of XXXX. I was told that I had until XX/XX/XXXX to do this or the new mortgage company would proceed with taking action to foreclose on my home. How can they do this to people that are already suffering financially? This seems like a predatory scam to me. I have had a home loan with XXXX XXXX XXXX since XXXX, and now all of a sudden when we utilize the forbearance offered to us, our loan is sold to another company and immediate repayment is demanded to avoid foreclosure. I am doing my best to get the money together, and should be able to do this, but what about the families that can not. Most people can not come up with {$6000.00} in 30 days. What happens to them?
Product: Checking or savings account

I arranged to allow transfers to/from my TDBank checking account. TD Bank was supposed to make two trial deposits to confirm my account. There were three transactions. When I entered the amount of two most recent transactions, it would not validate the account and told me to call their XXXX number. I realized that I had included one trial deposit and the withdrawal of the two trial deposits, but I could no longer enter those amounts on-line. I spent 38 minutes on the phone with the customer service XXXX number, at the end of which time they told me that I would have to set up the transfer again -- no help. When I tried to set up the transfer again, I called the local branch ( DC ) at which I had opened the account. After another 40 minutes, the branch told me that I needed to have the other bank ( XXXX ) verify that they can accept transfers. I explained that this was not the problem, that XXXX allowed transfers, but that the account was not validated because they had given me three transactions rather than two transactions. 

I called XXXX who verified that there was nothing that XXXX could do to verify or validate the accounts, but that they of course accept transfers to/from external accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX DPT EDXXXX XXXX  Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$7400.00} XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : EQUIFAX Several years ago I placed a credit freeze on all 3 credit reporting services. I have been able to unfreeze/refreeze all without a problem. 

At the beginning of XXXX I tried unfreeze my credit reports. I was able to do so for all but Equifax online. Equifax would not let me in online. 

I subsequently called and was told that because of something I did they had permanently locked me out from being able to freeze/unfreeze online. No explanation, no reason and no recourse or way to correct whatever they seemed to think had happened. 

on XX/XX/XXXX I tried to unfreeze, still could not get in. So i called. Was on hold for about 30 minutes, finally someone answered and told me their system was down and to call back again. They should have offered to call me given all the security checks you have to go through before talking to anyone. 

On XX/XX/XXXX I called again, went through all the security checks, began talking with someone, and suddenly hung up or something because I was put through to the post call evaluation system they use. 

I called again on XXXX, spent another 30 minutes or so going thru security checks and got through to someone. She was able to lift my security freeze temporarily. I then asked about the problem logging in and got the same answer. I asked who I could talk to about it, and wasnt able to get an answer. I asked what regulatory agency oversaw them, she could not or would not answer. She finally agreed to put me through to a supervisor. After being on hold for around an hour I finally hung up. 

This company has control over my finances that I did not directly grant them, and their service is completely horrible. They are responsible for the XXXX security breach for which I had to freeze my credit in the first place, and then have made it very, very difficult to unfreeze my credit. 

It is simply unreasonable and unfair for them to be able to act this way. 

I believe that it maybe that they locked my online access because I was attempting to unfreeze my credit while on an airplane and using a VPN, but I dont know that. Whatever the reason, to place a lifetime ban on online access, then make it super difficult to call in, is terrible.