23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account 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 XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

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

Accordance with the Fair Cradit Reporting Act : ACCOUNT NAME : 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, 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries on XXXX credit report a hard inquiry Institution Information WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX My information was compromised from XXXX   data hack. Someone was using my information identity
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) Dye to inadequate customer service and unfair practices, which violates Consumer Financial Protection Act ( XXXX ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( XXXX ) and regulations XXXX The actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I reached out to Freedom Mortgage to save my home on XX/XX/2022. 
I have been through hardships in the past 12 months that caused me to be unable to communicate with the mortgage company. 
They provided a loss mitigation packet i recieved through the mail. 
I filled out loss mitigation packet and submitted for review on XX/XX/2022. 
I called everyday to ask for updates and mentioned Auction date of XX/XX/2022. 
Freedom Mortgage told me not to worry about the Auction date even on the phone call that took place XX/XX/2022. Once Auction was held Freedom Mortgage said their is nothing they can do to help me. I believe its my right to save my home and Freedom Mortgage misled me. I wanted to file bankruptcy to help the foreclosure but because of the bank having open communication with me i did not and that caused the courts to approve sale. 
I would like to stop foreclosure sale and come to an agreement with Freedom Mortgage so that we both come out fair.
Product: Credit reporting

While we are trying to refinance we discovered that all XXXX major credit reporting bureaus had the wrong date recorded for our bankruptcy discharge date. Correct date is XXXX/XXXX/XX/XX/XXXX not XXXX. After sending the supporting court documentation, XXXX and XXXX corrected the information within 48 hours. Experian did not. We even sent additional information to Experian showing the court made a mistake and the court order to vacate the incorrect bankruptcy order as it was an error. Experian still has not fixed the issue. My wife has called 9 times trying to get the issue resolved and explained to them the time crunch regarding our refinance. She has been hung up on, promised a call back on XXXX different occasions ... .which she did not get. There attitude regarding customer service and trying to help us has been rude and very unhelpful. Also there is an incorrect code under the payment history for XXXX XXXX and fairwinds federal credit union. The underwriting department sent us a screen shot showing the incorrect code under payment history ( XXXX ) This is a charge off foreclosure code and not a bankruptcy discharge code. Experian says they ca n't see the code in payment history even though we sent then a screen shot showing it. We are extremely frustrated because they wo n't correct the info even though they verified that they received the forms we sent and the other XXXX agencies did. If it is not corrected ASAP we are not going to be able to close on our refinance in a timely enough matter to stay at a lower interest rate. Also we are concerned that it will not get corrected at all which will further affect our credit.
Product: Credit reporting

I moved from XXXX to XXXX in XXXX, XXXX, and have been a resident of XXXX since then. During the last 4 years, I have received several letters from Equifax notifying me of a " new '' address, which always turns out to be the " old '' address in XXXX that I moved from in XXXX. I called Equifax and corrected the address error. On XXXX XXXX, XXXX, I received XXXX letters form Equifax. XXXX letter said my new address was my prior address in XXXX : the second letter said that my new address was the address in XXXX! These arrived on the same day! I will scan these letters and try to forward them to you. The most recent letter I received from Equifax is dated XXXX/XXXX/XXXX. This latest letter has once again notified me that my new address is now back in XXXX. I have spent hours trying to insure Equifax that my correct address is in XXXX, but they keep changing it back to my old address in XXXX. 
What 's going on?
Product: Money transfer, virtual currency, or money service

I am writing to formally express 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 discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle not has only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am submitting to inform credit Bureaus that I have been a victim of identity theft. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), they are obligated to remove any items listed on an identity theft report. Enclosed are the necessary documents to facilitate the removal of the erroneous information from my report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Balance : - XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$360.00} XX/XX/XXXXXXXX Balance : {$900.00} XX/XX/XXXX XXXX Balance : {$820.00} XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX Inquired on XXXX XXXX, XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a thorough investigation of my dispute and a response based on that investigation. However, your response does not appear to fulfill these requirements, as it lacks any evidence of an investigation into my claim of identity theft. 

I respectfully request that Equifax conduct a comprehensive reinvestigation into my dispute, taking into account all relevant information and documentation provided. This includes but is not limited to any police reports, identity theft affidavits, or other supporting evidence that I have submitted. 

Furthermore, I urge Equifax to provide a detailed explanation of the steps taken during the investigation process and any evidence or documentation obtained to support the conclusion that the account is indeed mine. This information is essential for me to understand the basis of your decision and to take appropriate action to address the fraudulent account on my credit report. 

Please be advised that I take this matter seriously and will not hesitate to pursue further action if Equifax fails to comply with its obligations under the FCRA. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to protect my rights as a consumer. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.
Product: Debt collection

The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems.
Product: Mortgage

I have a roofing company that is not being paid because Ocwen Financial insists on using a monitored claims AFTER the roof was completed! I was not informed of that process initially and it is creating many problems. The Ocwen process does not fit the remuneration process required to pay the contractor and they have offered no means to resolve to actually handle the problem. I ca n't finish all the claims work needed during the winter to adhere to their process. The roofing contractor is a small business with a dozen or so employees and needs the funds to pay its workers. Ocwen is telling me they pay at a 30 % of claim, 60 % of claim and 90 % of claim after an inspection. There are XXXX parts to my insurance claim. Aside : Ocwen is loan servicer and not an insurance company. The insurance company has already seen and accepted the new class XXXX roof completion and sent the remaining funds to pay off the contractor. The problem is the insurance claim has XXXX parts : the roof, windows, deck and painting due to hail / wind / water damage. Ocwen 's process treats is all as XXXX claim. The wo n't release enough funds for me to pay the roofing contractor. They will not resolve the problem and are unresponsive to the real problem. Very concerned I will have lien on my property based on Ocwen 's processes which do n't fit this claim situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number ( XXXX ). Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XX/XX/XXXX ) I contacted XXXXXXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX or around that date or week, i had {$500.00} stolen from my bank account in {$19.00} increments, the moment i woke up around XXXX or XXXX XXXX  it happened and i immediately called my bank and they helped me, i got a new card and a temporary card to use. the person who took my was named XXXX XXXX and the description of the transaction said MOBILE PURCHASE XXXX FL, I am in California, i woke up to a message saying i need to change my address on ups, i believed it because i had bought something online that same week. but they got my info some how. so i called, and they told me they'd handle it, i got my money back and got a temporary card and changed cards to a new one, then on XX/XX/XXXX, I got a temporary credit reversal and the bank took back all {$500.00} back away from me, how is that fair? the proof is in front of them. im in California not Florida and why would i send away {$500.00} in {$20.00} increments. I called them again on the XXXX and 2 out of the 3 people hung up on me. then again on the XXXX because i had to wait for this department to open. and all they did was reopen the claim again and told me to wait up to 45 days, i do not wan na wait at all, i need my money back now, that is my rent money that i need. that is their fault for not protecting my money. not mine. any way you guys can help me. if i can't get my money back im going to change banks. i will be showing two pictures attached, one to show the transactions from the person and where its from, and my new card on the left that i asked for the morning of my money was stolen and my old card on the right.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint in reference to the following information that Navy Federal Credit Union supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two accounts ( XXXX open XX/XX/XXXX & XXXX opened XXXX XXXX ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of 3 It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that Navy Federal remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit file has no credit score. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than 7 years old. I mean they just dont care and they break credit laws each and every day.
Product: Checking or savings account

I opened an account with Ally Bank on XX/XX/XXXX with my current address. XX/XX/XXXX I moved money from XXXXXXXX XXXX to Ally for a better interest rate. Opened a CD and put my husband on the CD. The bank called me stating that my address is not compliant with the Federal Patriots act of XXXX. I have the same address. I have bought a mobile home in this mobile home/ RV/ motel resort. I am being treated like a XXXX! I stated to them yesterday on the phone that not once have they asked for proof of address. Today now they will accept proof of the address. They threatened to close my account because of my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to request my annual credit reports from XXXX and Equifax. ( XXXX  works fine. ) XXXX wants me to mail a request form which is a hassle but reasonably acceptable. 

Equifax wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )
Product: Mortgage

I received a letter dated XX/XX/XXXX. The letter advises that I had not cashed my escrow refund check that was mailed on XX/XX/XXXX ( 6 months after we sold the home ). To date I have emailed, called and faxed to no avail. All I get is the typical run around when someone owes you money. They have more excuses than XXXX has XXXX. Its been 3.5 years and this company still hasn't mailed me my refund. I checked with the State of Colorado Treasurers Office to see if Loancare ( Mtg Co ) had turned over the money to them. Nope, not them either.