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

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, Experian credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened. They are 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXXXXXX XXXX Now owned by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account opened at XXXX XXXX XXXXXXXX XXXX owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of XXXX. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sold my home on XX/XX/XXXX. The router was returned via a service visit from XXXX XXXX  on XX/XX/XXXX. On Friday XX/XX/XXXX I applied for a construction loan and the lender noticed a collection on my account. It was the first time I ever heard of it. I called XXXX  and requested information about it and they said that it was due to an unreturned router. I told them we did return it and asked why I was never informed of this nor notified. They said they could not help me. I tried calling the collection agency as well and let them know of the same, and asked why I was never informed of this nor given a chance to explain. why they took 2 years and then posted it on my score without letting me know. They said they could not help me. Out of good will I payed the {$130.00} owed. Please I need this mistake removed form my credit score since I was not at fault for this. Thank you, XXXX. 

company responded : Upon completion of payment, we will request the account be deleted from the credit bureaus. Please let XXXX know when you have made pmt. 
XXXX. 

Then I emailed XXXX XXXX and she decided not to do so. She stated : Eastern Account System is a third-party collection agency that works on our clients behalf. 

XXXX placed an account in collections in XX/XX/XXXX with a {$130.00} balance owed. 

Eastern Account System sent notice allowing time to dispute, pay or validate the debt prior to credit reporting. Calls were also placed without a response as well. The account did not credit report until approximately 60 days later. 
If you have a receipt or proof that can be provided to the original creditor; please forward it to : XXXX. We do have several different payment options, you can pay over the phone ( XXXX ), on line at our website or mailing in the payment. If you opt to pay online the website is www.easternpayments.com I requested these proof of phone calls and notices addresses and dates they were sent since I NEVER received a phone call nor letter. She stopped responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation into the disputed account that you claimed was verified. Believing that you did not properly investigate my dispute, I contacted the data furnisher last month via certified mail. They responded, confirming that I was correct and that your records were indeed inaccurate. Since your investigation was not conducted properly, I request that you update the account information in my file accordingly. 
XXXXXXXX XXXX XXXX  XXXX : {$1100.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 covering loss funds was impossible and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises. Serious concerns about consumer safety.
Product: Mortgage

PHH Mortgage, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. XXXX. Loan # XXXX XXXX # XXXX. I, XXXX XXXX, power of atty for the homeowner with the reverse mortgage, XXXX XXXX XXXX. 
I, XXXX XXXX, with POA on file with PHH, have requested 3 draws for line of credit in order to pay for my mother 's needed health aides as she is not well and requires assistance. All 3 requests have been denied WITHOUT notice - as I wait for the funds. The first time, when I called to inquire on the funds, they said it needed to be notarized with " Power of Attorney ''. The 2nd request was denied because they said it was signed incorrectly ( after they instructed me how to sign it ) by signing " attorney in fact ''. A third request was signed as instructed and notarized. Without notice, this way also denied stating the signature went beyond the signature area. It is signed on the line and not past it. It is notarized. When I asked to speak to a supervisor after being placed on hold for long periods of time, I was informed there are NO SUPERVISORS OR MANAGERS available to take my call. PHH is refusing access to my mother 's equity. I am unable to pay her bills.
Product: Credit reporting or other personal consumer reports

Sent Portfolio Recovery ( Account # XXXX ) A Letter for debt Validation on XXXX and they never responded to my request for information. 
See attached file. Company never responded or removed this from my XXXX credit report. 
Please remove erroneous information from my XXXX XXXX Account. 
Thanks
Product: Debt collection

1. NCP FINANCE OH  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). 

I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 

I am giving your company the opportunity to make this matter right by way of the following : * REMOVE ACCOUNTS * REMOVE LATE PAYMENTS * REMOVE INQUIRIES
Product: Credit reporting

Transunion does n't allow you to dispute on website or XXXX and posts this message, " We can help you dispute an error on your TransUnion credit report in just a few steps. Here are some things to keep in mind before we get started. Submitting a dispute request does not guarantee that TransUnion will change your report. '' XXXX XXXX amount of {$1300.00} I paid my half of this debt ( {$660.00} ), responsibility of balance should be directed to other occupant of resident on lease and removed from my credit report. XXXX XXXX, the account has been paid, this item should be removed from all credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries because I did not authorize them : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have updated information regarding complaint # XXXX Company failed to provide me with the description of the procedures that was performed during the investigation. Which neighbors, friends, or associates of mine did you personally interview to verify the report pursuant to 15 USC 1681a ( e )?

Please upload description of the procedures that was performed during the investigation here on this portal with the CFPB and mail me a copy. 

Account : XXXX XXXX XXXX XXXX Account # : XXXX Please see attachment. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts attached are closed paid in full with a XXXX XXXX balance. XXXX Trans union and XXXX are reporting to XXXX XXXX along with other agencies that these accounts are closed and current. 
Fico and XXXX  score service can not report an accurate score because the said above accounts are not being reported as paid. All attached account have a XXXX XXXX balance and are paid.
Product: Mortgage

During the last 36 hours upon the day I was supposed to close on my house, in XXXX of this year, I was bombarded with several documents, that changed at least 4 times before the last 24 hrs before I was set to close, the last documents came 8 hrs before closing, with a debt to income of over 60 % with my lender inflating my income, stating I made more than I actually did, then when I said I didnt aprove of some fees that were added, and a Monthly payment I couldnt afford, I refused to sign, I said I could not afford anything over 2000 a month with my income at {$4100.00} a month, when I saw my final payment I was assured that once I got my property tax circut breakers and property tax exempt paperwork filed and sent to movement mortgage my escrow account would be adjusted and my monthly payment lowered to accomidate my situation or I wouldnt sign the documents.. I was lied to ..my payment is {$2100.00} and hasnt changed. 
I have provided those documents and 6 months later ive been given the run around and put off while this mortgage broker got away with unnessasary fees that kicked back to her through my agent, and put me in an unsustainable payment situation, putting me off with empty promises, while they sell off my mortgage, and instead of adjusting my payment as promised I wait and hopefully wont loose my home because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion response to my complain was incorrect Information I  have never paid worth finance ever. I came to this company because I sent TransUnion my identity theft report the irs agree with being identity theft and my police report number and proof XXXX  XXXX XXXX saying that was a fraudulent check and my online banking was hacked. TransUnion also would not tell me whoes account they were using my debt card for to pay a monthly subscription.i asked bc my debt card was new and same with my bank account later they sent me a check giving me my money back. I know I had paid in the past however the i has canceled the subtraction because I was over charge just like they everytime and I can never see my report and they also send me my report through the mail in XXXX. Im going to get a lawyer if the incorrect information on my report does not come off. I can never get anyone on the phone there either I get disconnected as soon as the conversation goes into TransUnion making mistakes. I want to know how they new my debt card number and who the family member using my debt card. And I want proof that they can verify I ever paid worth finance. If I ever paid worth finance then why is the balance the same?
Product: Checking or savings account

I made a deposit into the atm at Navy Federal on Saturday. My account receipt showed an available balance of XXXX after making it. As my account was overdrawn prior to my deposit because of a transaction i made before. I used my card a few other times because the atm said i had an available balance. I found out today i did not. Called in and asked for a manager i was given XXXX. She ended up hanging up on me twice after i asked to be escalated higher. She told me she was the only supervisor and i could not speak to anyone else before hanging up both times. I called a third time and spoke with XXXX and she gave me a Supervisor by the name of XXXX. XXXX was nice and helpful as possible. I do not feel i should be punished by overdraft fees for an atm error. No where on the reciept it showed only XXXX would be available. This was an awful customer service experience. Being hung up on when asking for more help and lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX enrolled me into a XXXX subscription when I applied for the XXXX card, without my knowledge. XXXX charged that new credit card, actually it was a Chase credit card. Chase did not send a statement or physical card. Since I did not know that the Chase card had a balance, I did not pay. After three months, I got a collection call and XXXX fewer points on my credit score. My complaint is with Chase. If they had sent a statement, I could have refused the charges. 
Knowing that XXXX is being investigated by the FTC concerning its XXXX membership Chase should have verified the mailing address after receiving an incomplete address from XXXX. I was told, by Chase, that the mail was returned. 
I dont think that it is unreasonable to request that the late charges be removed for the reason stated above. This ordeal started in XXXX of last year and continues.
Product: Debt collection

I had XXXXXXXX XXXX XXXXXXXX XXXX withdraw money from my account to pay this debt off with Midland Financial on an XXXX account. XXXX is showing the account is not settled and Midland Financial is playing both sides with me and XXXX.
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report are not linked to open accounts. Im requesting for the inquiries to be deleted. I didnt authorize these companies to run my credit thats fraudulent and not to my knowledge.
Product: Credit reporting or other personal consumer reports

I am a victim ofXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXXXXXX - Account Number : XXXX Account Name : XXXXXX/XX/XXXXXXXX - Account Number : XXXX
Product: Debt collection

A settlement agreement was made with the creditors ( XXXX ) collection agent ( AFNI ) to reduce the amount owed due to hardship to {$450.00} from {$650.00}. An immediate direct debit payment of {$150.00} as was made as advised to secure the settled reduced amount and a further {$330.00} was deducted few days later. I spoke with the rep to clarify the payments were received and was promised that a settlement letter was to be sent to me ; it was never received but i did receive further letters from Direct TV in forming me that I still owed this debt in full. On the XXXX XXXX 2015, I spoke with a XXXX rep and a XXXX supervisor who both told me that the arrangement made with their collection agent has nothing to do with XXXX and I still owed a balance which I still do not understand. Please explain why XXXX XXXX has a collection company offering settlement options to its customers and how they can relinquish the agreement after receiving the said settlement without notice or advise that they are able to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is the only one that has messed up my credit report for their mistakes Loan Care / XXXX XXXX  Start of issues when Loan Care took over our home loan. 

I make my payments anywhere from the XXXX to the XXXX of the month before it is due. I was told this would not be a problem. ( I am only on Social Security so I can not keep the money in my account as it would be used up unintentionally. ) XXXX - @ XXXX - XXXX I had received a late notice and they put it to the change in providers and would take care of it. 

I had received another notification of lack of payment and called : XXXX - @ XXXX and spoke with XXXX about it and she said that there was a missing XXXX payment. I let her know that the payment had cleared my account month ago. Sent an email of the two ( 2 ) statements and she found that it had been put into the wrong account and that I had not changed the to the new number ... I had changed it all as soon as I received the notification of the new company with my home loan. Went through and deleted and re-imputed the same information with her on the phone. It was to have been all taken care of. 

XXXX - @ XXXX - XXXX XXXX I had received Another late notice ) found AGAIN that it had been put into the wrong account ... how I do not know so deleted the same information and re-input with her on the phone the account number it was to go to ... which is STILL the same one I had been using. 

She said she would take care of it being late. 

XXXX - @ XXXX - XXXX did not know so transferred me to the supervisor XXXX he said that the last call process had not been completed in XXXX by XXXX and was not under the proper format so accounting disregarded it. 

He said he was reworking this and would call me back in several days ... of course, I did not receive a call back but for some reason this is all my fault have been punished and cost me respect and the ability to deal with monetary issues that I have worked hard to have at my disposal. 

I had my hands full with my XXXX and her XXXX, selling her home and moving her so had not time to babysit what they were doing just kept making the mortgage payments. ( My mothers in an XXXX and now I can not afford to keep her there until medicaid goes through or my credit is repaired )
Product: Credit reporting or other personal consumer reports

I have been checking my credit reports since XXXX and for some reason the reports have not been updated and my scores have not been updated. When I login to XXXX, it says, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I am attaching my identifying documents to verify my identity. How can I make Sure this information is correct?
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX