23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ATTEMPTED TO OBTAIN FORBEARANCE/DEFERRAL OF MORTGAGE PAYMENTS UNDER THE CARER ACT. COMPANY FAILED TO REPLY TO 15 EMAILS AND 4 REGISTERED LETTERS TO LOSS MITIGATION DEPARTMENT ... NO REPLY TO PHONE CALLS WITH VOICE MAIL MESSAGES IN CONNECTION WITH MY ISSUE! 
LETTER FROM COMPANY DATED XX/XX/2020 OFFERED FORBEARANCE FOR XXXX, XXXX AND XXXX, BUT I HAD ALREADY PAID MORTGAGE FOR 2 OF THOSE MONTHS .... CALLS TO MORTGAGE COMPANY PRODUCED OFFERS TO CANCEL FORBEARANCE, AT ONCE ... MORTGAGE SERVICE COMPANY DOES NOT REPLY TO EMAILS, LETTERS OR PHONE CALLS WITH THE PURPOSE OF TRIGGERING THE CANCELLATION OF THE OFFER OF FORBEARANCE. MORTGAGE COMPANY IS SHELLPOINT MORTGAGE SERVICING BASED AT XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ... PLEASE INVESTIGATE THE CARES ACT OPERATIONS OF THIS COMPANY ...
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent account from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) act # XXXX this account is not mine and need to be remove from my report immediately please remove this account from my report because its hurting my credit. 
THANK YOU.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Product: Money transfer, virtual currency, or money service

I am writing to report an issue regarding fraudulent activity I experienced through the Zelle payment network. Despite my efforts to safeguard my account, unauthorized transactions were made, resulting in a financial loss. 

I immediately reported the fraud to my financial institution, but I have not received the reimbursement I believe I am entitled to. The lack of resolution has caused significant financial hardship and frustration, especially as I trusted the platform to provide secure transactions. 


XXXX XXXX XXXX
Product: Bank account or service

XXXX : Wells Fargo Bank in XXXX florida I do n't know if this was a bank involved with employees opening accounts and using clients money. But my elderly mother complained that she had {$20000.00} missing from her account and does n't know where it went. We tried to help her but she is adamant about our minding our own business, that she can take care of it herself. After reading the blog on WFB I was wondering if that is what may possibly have happened to her account.
Product: Checking or savings account

A dispute was submitted for cashapp due to not receiving the funds that was uploaded from my account to the XXXX XXXX application. Two hours after the dispute was submitted, the company responded that they found no issue and that the dispute will be closed. I asked to reopen the dispute because I did not have an opportunity to provide my documentation and communication from cashapp. The banking institution " Chime '' then responded with an email stating that my account would be closed on XX/XX/2024 due to a violation of the member handbook.
Product: Mortgage

The company paid my property taxes without my permission after I was forced to pay  them to XXXX   and XXXX counties after the mortgage company threatened me even though I am protected under Texas law for a XXXX XXXX protections and broken up payments throughout the year.  They have changed the entire structure of my mortgage without my permission to increase my payment by over a $XXXX a month which is three times my mortgage payments and are breaching the mortgage agreement I made when I purchased my home in XX/XX/2006.  This is illegal in the state of Texas and goes against the Fair Credit Act, because even though I have paid double payments to close out this fraudulent collector they failed to apply my XX/XX/XXXX payment, held it in a unapplied account, charged me late fees, started foreclosure, and reported to the credit bureaus I did not make my payment and yet it was already in their account.  And when they chose to apply it, rather than following the instructions on the checks to be principal only payments, they chose to apply to future mortgage payments and illegally charged me compounding interest over the last four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reportingXXXX  derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card or prepaid card

We have been customer of TD Bank ( XXXX ) since XX/XX/XXXX. Around XXXX, we also became customers of TD Bank USA and currently deal with their store at XXXX and XXXX  XXXX in XXXX. Credit cards were opened in XXXX in XXXX and later ( around XXXX ) in the USA. 

We used our US VISA account and decided not to make a payment until I could be sure that the charges were proper. Please note that this is not an issue in XXXX since I am provided with all the details on line during the month followed up by a mailed printed statement. However this does not occur with TD US Visa. However, they decided to reduce my credit limit from {$20000.00} to {$1000.00} where it sits currently which I find unworkable and have been phoning them regularly requesting it be increased. I shortly after decided to pay the whole amount to put this matter to an end. 

They later followed up with 3 letters stating they are unable to approve a credit limit increase because of : serious delinquency time since delinquency is too recent or unknown too few accounts currently paid as agreed lack of recent installment loan information I have no other obligations or accounts with a debit balance that I am aware of. If TD VISA has different information I would like to know about it. But why would they make this statement and refer to installment loans since we have never had one. Also please note that our chequing account bank balances in XXXX and the USA are over {$100000.00} and have been for some time. They say that XXXX provided information that influenced our decision - how can they get information since we do not have a social security number. 

TD apparently does not have any intent to properly handle this matter and is dealing with it in an offhand matter. Also please note that a previous TD USA credit card had a date expiry date of XXXX. I tried to pay for a meal on XX/XX/XXXX, that year but was told that my card had expired. So it seems that TD is playing with their customer 's good will. I would venture that universally every one knows that a card so described expires the last day in XXXX, not the first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). Equifax and XXXX credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my fiancee 's drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in XXXX this is the reason why my loans was paid-off or clear by the department of Social Security on XX/XX/2018. I was checking my credit report to see that reflected, since the Social Security department notify me about that, then it supposed to be clear by then right but for some reason the same day it was closes the same day they reopen or duplicate the same loans. I contact the Social Security and they told me to try to call this company " NELNET '', but I was not able to open my account with them since I do not have any loan. I called them and they said they do not have idea. My credit score shows I still owe them when obviously I am not. It is not fear they are try to charge me again just to get more money.
Product: Debt collection

Since regulatory action was taken in XXXX 2015 by the CFPB against the agency in which this law firm represents for many various issues, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this legal firm ( Forster & Garbus ) decided to sue on an alleged debt owed to XXXX ending in XXXX. They proceeded with a special civil suit in XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.
Product: Prepaid card

I received a NetSpend Prepaid XXXX from a company called NetSpend, XXXX, XXXX TX XXXX. It was unsolicited and when I called the number they gave to OPT-OUT and decline the message did not give that as an option. I have sent an e-mail but do not have much faith that they will comply since the interactions so far has been extremely suspect.
Product: Debt collection

This is now the seventh time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for XXXX years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. 

Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is XXXX, XXXX, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. 

Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. 

Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. 

Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. 

Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
Product: Checking or savings account

A Sofi Bank checking account was opened around XXXX to XXXX months back online. 
Name : XXXX XXXX Last XXXX of my social security number XXXX Date of Birth XXXX Tel no : XXXX Email Address : XXXX Account no : XXXX I received a debit card, I made some deposits and withdrawals using the debit card. 

On XX/XX/2024 XXXX deposited for my tax refund, this was made available XX/XX/XXXX Some body knew this information, hacked the account. they created a duplicate debit card. the person exactly knew when the money was available. they must of changed the profile and say that duplicate debit card is received to their hands. 
exactly on XX/XX/XXXX after XXXX XXXX or XX/XX/XXXX, the person used the debit card to withdrawal cash in New Jersey in XXXX days, they withdrawal a total of XXXX XXXX dollars, also he charged on XXXX different amounts online, also on XXXX, an online store, XXXX or XXXX transactions were made. on a XXXX XXXX XXXX charge was made. 
to my surprise, this person knew the bank account number and bank routing number, created checks and tried to mobile deposit them. we disputed all those transaction
Product: Debt collection

I have sent several dispute letters as this is not my debt. I have always had insurance to provide to any hospitalsbut this bill is not mines.
Also this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my info and also on a debt that is not mine.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

I am submitting my first formal dispute to the 3 credit reporting agencies ( Transunion, Experian and Equifax ) regarding inaccurate information on my credit report. 

I am aware that credit bureaus have a history of claiming that they did not receive dispute letters from consumers. To prevent this issue, I have also sent my disputes via mail. 

Despite taking these measures, I want to ensure that my dispute is properly received, logged, and processed. Given recent CFPB enforcement actions against credit bureaus, I am requesting that the CFPB confirm receipt and require the bureau to acknowledge my dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

Please see attached letters for the details of my protest against their inaccurate reporting.
Product: Checking or savings account

On XX/XX/XXXX I met up with a guy from XXXX to sell him some items I had. He paid me XXXX dollars as agreed to my chime account.all was well.. I lost my phone for a week and when I found it I tried to withdraw money from my account but XXXX 's XXXX. I looked at my account and seen on XX/XX/XXXX there was XXXX dollars taken from my account with out my knowledge or permission and they had given the guy who bought my items back his money. I didn't get my items back. I lost XXXX dollars. When I tried talking to customer service to resolve the issue I got hung up on 6 different times when I attempted to inquire about the issue. It's so frustrating to constantly be hung up on and XXXX dollars is allot of money to lose out on. They did ask me for the guys contact information which I did not have. So a couple weeks later I responded to a add and again went and sold him more of the same items so I could get his contact information so I could give it to chime customer service. I called them back and before I could even give them the information I was hung up on repeatedly every time I called back. Please help me get my money back. I have at least 8 months of weekly deposites of XXXX. Dollars and many many transactions with out any of them being fraudulent or any issues. This other party clearly fraudulently disputed the payment aweek after our transaction and was given his money back straight from myaccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry NAVY FCU ( Finance ) I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge.

The inquiry was made on XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

My sister and I have somewhat similar names. At some point, XXXX and Equifax decided that we were the same person and added my sister 's name to my credit report. Because of this error, my sister 's student loan servicer reports her loans to my credit report because they have listed my sister 's name as the primary name. This has lead to an inability to qualify for a home loan because it has ruined my debt-to-income ratio. When filing disputes, the credit bureaus make it exceedingly difficult. I can not load the status of my dispute with XXXX, and the customer service representatives merely deflect rather than actually helping. I filed XXXX disputes with Equifax with multiple documents to support my claim, only to be denied. Finally after multiple phone calls, I was able to have my sister 's name removed from my Equifax report, but they will not remove the student loan debt. The student loan servicer will not talk to me because I am not the person on their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several certified and notarized letters with proof of disputes were sent to Firstpoint Collection Resources and to XXXX. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.
Product: Debt collection

I noticed on my credit report a derogatory mark. When i called the creditor i asked to dispute the debt because i never received a bill. On XX/XX/2020 XXXX from the creditors office stated that this is not a valid reason to dispute medical debt.