23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under XXXX XXXX Code XXXX ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

I asked my account manager when my next payment was scheduled for ( they have never provided a payment schedule despite my asking, so Im forced to text them to ask for simple information. They also do not allow access to an online account ). I was told my payment was scheduled for XX/XX/24. I asked to move it to XX/XX/24. They obliged. I was charged today XX/XX/24. When I asked to speak with someone to get it resolved, the manager hung up on me and did not answer any more of my calls and there is no voicemail set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed. 
Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX  of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX 

IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding the accounts and information that Equifax is reporting to my consumer report. After going over my report I noticed several accounts that are negatively impacting my credit score in which I have no knowledge of the creditors reporting this debt. Ive then mailed a letter to Equifax asking them to investigate these accounts in which they never gave me a response. I reached out to the creditors and asked them to verify any debt and send me all documentation that authorizes the accounts. I am aware that it is Equifax 's duty to properly investigate my consumer report and remove anything thats not accurate nor verifiable. If theyre reporting these accounts, why cant they be verified with proof of signatures? The creditors listed in my complaint never had the consent to report, which is a violation of my right to privacy. Also, purchasing and selling my personal information without my consent is fraud and violates my right to privacy. No account may report to my consumer report without my consent or validation. In this complaint I have a dispute letter with the inaccurate information that I would like Equifax to investigate and ensure the most accurate information possible is being reported.

Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Mortgage

At the end of XXXX my mother became very ill. I took on the task of being her full time caregiver for ten months until her passing in XXXX of XXXX. During that time I had asked my son to make sure the mortgage was paid, however he did not follow through and my mortgage company contacted me telling me I had fallen behind. They then told me to send approximately {$27000.00} or I would be foreclosed on. I was still mourning the loss of my mother but cleared my savings and sent them the money. After sending the money, my mortgage company called again and stated that I would need to send an additional {$8000.00}. I had no saving left and was unable to comply to their request. They also advised me that my payment would be increasing. I then hired XXXX XXXX to get my mortgage back on track. On XX/XX/XXXX a third party authorization was sent to my lender allowing XXXX XXXX to speak on my behalf. We applied for a modification in XXXX and Ameris would not convey missing documents to XXXX XXXX and communication was almost impossible. On XX/XX/XXXX XXXX XXXX from XXXX XXXX began inquiring about the large charges I had already paid and who were they paid for and how were they dispersed. Ameris advised to send a written request. The attached request was sent to Ameris on XX/XX/XXXX. We received acknowledgment of receipt of the inquiry dated XXXX XXXX. On XX/XX/XXXX XXXX agent ID XXXX and was told the research would take 30 days. On XX/XX/XXXX XXXX advised an email was being sent to an agent to expedite the research request. A subsequent call on XX/XX/XXXX we were told no one was working on it and they would not respond. A payment history was ordered through customer service and is attached. On XX/XX/XXXX Ameris rescinded the authorization for XXXX XXXX and will not speak to them. I still do not know where my money was applied and what I was charged for. There are multiple charges that are not explained and Ameris is refusing to explain. There is excessive attorney fees and I do not know what they are for and Ameris will not tell me.
Product: Credit reporting, credit repair services, 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I have two late payments on my account that I was never late for. The consumer reporting agencies play a crucial role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots attached to this complaint, specifically on the dates XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to " paid as agreed on-time '' as they should be, due to the fact that I was never late. Thank you. Please see the screenshots attached.
Product: Mortgage

Currently, I am XXXX in the military and my place of residence has been foreclosed on. As a result, I have obtained a military stay, however the associated lender and mortgage company has not respected the court and violated Fair Debt Collection Practices. 

Caliber Home Loans and XXXX as Trustee for XXXX XXXX have violated Fair Debt Collection Practices. They have sent people to my place of residences to to question my family and roommates. They sent a vendor by the name of XXXX ( XXXX ) to harass my wife and threatened to evict her if she did not sign a document. My wife asked that he would not return to the premises and he came back to harass her on XX/XX/2017 at XXXX. XXXX called her and threatned her to evict again on XX/XX/2017. She and XXXX argued for over an hour. She sent XXXX a copy of her lease via email and he continued to harass the other tenants and scared them into signing the documents. As a result the other tenants moved and left my wife and I stuck with all the utility bills. 
On another occasion, these XXXX companies have sent someone by the name of XXXX on XX/XX/2017 at XXXX to question the contractors that were mowing the lawn at my place of residence. The contractors informed me of the questions that were asked of them. 

I have documentation of the emails, letters and court notices that were received by XXXX and Caliber Home Loans. They have violated a number of times. 
I understand that each time constitutes {$1000.00}. I would like them to pay me for each violation. If they do not want to respect my family then I will take them to court.
Product: Debt collection

The collection agency called national credit system, they report I owe {$1000.00} they changed the name of the original creditor twice, now they have it under sure deposit with no contact information about it, they been hurting my credit for the past 6 years, fraudulent actions, when I disputed they fraudulent reply that the information is accurate, they have a fake original creditor name ( sure deposit ) with no contact information, I want every documents, contact or any single paper belongs to this collection
Product: Money transfer, virtual currency, or money service

Hi, I would like to open a complaint againt Zelle Pay, which is used by many financial institutions to pay with phone. 

In my situtaiion, on XX/XX/2021 I purchased an item on OfferUp and was asked by the seller to pay via Zelle. I made 2 payments that day after seeing what looked like a legitimate shipping label and later realized it was a scam/fraud. I am concerned that Zelle is not enforcing enhanced due diligence with the institutions it does Business with as scam/fraud artists are using this platform to harm innocent citizens like myself. I am worried and surprised that no one can do anything about it although there ought to be an audit trail of the sender and recipients accounts. Zelle should require that in the event that they are informed of a scam/fraud they should have processes to protect the end consumer. 

I have tried to call Zelle customer service and it was in vain and feel that it is really a bad way to operate a business as I could not get a hold of anyone. I also contacted by bank, XXXX XXXX XXXX and was informed nothing can be done about it. 

Again, it is upsetting to be informed that I can not get a refund none of these institutions are doing anything about this event. I am sure I am not the first and wont be the last if no actions taken to protect consumers like me. I would say I am a pretty savvy individual and I still got scammed and am worried about those who are naives and elderly population of our society.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX  ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX
Product: Checking or savings account

On XX/XX/2021 I opened a savings account with Citi Bank in response to their solicitation to provide me XXXX Aadvantage miles as long I deposited at least {$XXXX} for XXXX  months. Since XX/XX/2021 I have maintained a balance over {$XXXX} dollars, yet I have not received the XXXX XXXX miles Citi promised me with their offer.
Product: Debt collection

On XX/XX/XXXX, I received notice that Credence Resource Management is trying to collect {$1000.00} from a fraudulent XXXX XXXX XXXX account XXXX created in my name that I didn't open. The fraudulent account number is XXXX created on XX/XX/XXXX and closed by XXXX XXXX XXXX XXXX XX/XX/XXXX for non-payment. This account is FRAUDULENT and was created somewhere in XXXX ; I live in XXXX  and I haven't been to XXXX nor have I authorized anyone else to open such an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this transactions in relation to fraudulent activity pertaining to my personal documents, and I'm currently in the process of completing identity thief applications through third party services to freeze and/or lock my credit to ensure no more fraudulent attempts while the anonymous suspect continues to complete credit application the caused the below listed Hard Inquiries. 
By phone line I requested a removal letter from each of these companies in which I was denied access due to me not having the address that the suspect used to attempt credit transactions. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has been violated. My federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX Names : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Student loan

Having gotten poor advice in the past from previous loan company, I consolidated my educational student loans under the Federal Family Educational Loan Program ( FFELP ). 
I have been aware recently that my educational loan does not qualify for Loan Forgiveness. I applied for Public Service Loan Forgiveness and was denied because my loan type does not qualify. ( FFELP loan amount as of XX/XX/XXXX : {$110000.00} ). If I had advised that consolidating my loans under the FFELP was not the best option for me, I would not have done so. 
I have dedicated to working in the XXXX XXXX as a XXXX  in underserved communities in XXXX, Illinois and do not have the benefits or options that I would have had if I had been advised to consolidate under the Direct Loan Program. 
I graduated from XXXX  XXXX  School in XXXX and finished my XXXX  at XXXX XXXX XXXX XXXX XXXX in XXXX. I have served in underserved areas in XXXX since XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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 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 fumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : Experian, XXXX, XXXX. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.