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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

This CFPB complaint has been led to request pursuant to FCRA XXXXXXXX XXXX XXXX XXXX XXXX  ) that you, the Experian credit reporting agency, 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 with XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at under the XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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

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. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Debt collection

I was a XXXX customer for about five ( 5 ) years and I always have device protection insurance. In 2018, I upgraded two ( 2 ) devices on my account through promotion. A couple weeks after the upgrade, I accidentally dropped my phone. I went back to XXXX the retail store to get my phone screen replace only to find out that my deductible has increased from {$100.00} to {$150.00}. I asked the agent why I was not informed about that increase and his answer was that the person who served me was novice. I wanted to pay off the damage phone and return the other phone so I can close my account. Also to find out that through that promotion I just signed a new two ( 2 ) agreement with them. Again, I waas not informed. I don't think as an existing customer, with five ( 5 ) device on my account, my agreement should change when I upgrade two ( 2 ) phone. At least, someboby in the store should have told me. I was not happy with the way they were handling the situation so left all the devices on the counter with them. I got couple bills from XXXX and called the customer service and explained everything to them. I was told that they will look into the situation to call me back but never did. Only time I got called is to take of the bill. Now, many years later I am being reported to a collection bureau.
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 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 looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

The transition from Simple bank to BBVA has been a complete nightmare. I literally can not believe this bank is allowed to be in business after the way they've handled their transition. I've been locked out of my online banking account for a week. The app apparently made up security answers for customers and when people try to answer them, they get locked out of their account. This is what happened to me and I've been on hold 3 hours a day for 4 days trying to get through to someone to get in my account. I'm just trying to close out my account and get away from this horrible bank as fast as I can. Keeping people from their accounts for this amount of time should be illegal.
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 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 seven 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

I attempted to send a dispute letter via US Postal XXXX to the address listed in several parts of their website and forms as XXXX, XXXX, PA XXXX. The USPS said that XXXX is no longer valid. I finally found an alternative on a consumer watch group website. Please require TransUnion to update all references to their old address as they are avoiding receiving complaints this way.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - used preapproval offer to make credit application- Net credit does hard inquirey XX/XX/XXXX - received email saying work verification documents required XX/XX/XXXX - sent all required documents XX/XX/XXXX - NetCredit withdrew my application because I didnt send documents on time. 
XX/XX/XXXX - started another application on advice of NetCredit customer rep. 
XX/XX/XXXX - sent required documents XX/XX/XXXX - NetCredit withdrew application because didnt have documents in time. 

Please stop NetCredit from providing credit services. They are wrongfully using my credit information without giving me an approval or disapproval letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to improve my credit a company called XXXX XXXX. while trying create an account XXXX XXXX. owing XXXX XXXX XXXX {$4.00} having me under suspected fraud Activity for date XX/XX/2016. I'm not sure what to do
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX Dispute of Debt and Civil Liability for Negligent Noncompliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute the validity of the debts associated with the above-referenced accounts, which your companies have reported and/or attempted to collect. I believe your actions constitute negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) 1681o, which establishes civil liability for failing to comply with its provisions.

Basis for Dispute and Noncompliance Allegations : 1. Failure to Verify Debt I previously requested proper validation of these debts, yet your companies have failed to provide sufficient documentation proving their legitimacy.

2. Inaccurate or Misleading Reporting Despite lacking proper validation, your companies have continued reporting these accounts to credit bureaus, causing harm to my credit profile.

3. Failure to Conduct a Reasonable Investigation Upon disputing these debts, I
expected a proper investigation, as required under the FCRA, but no adequate response or corrective action has been taken.

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA makes your companies liable for any damages I have incurred due to these violations, including any legal fees required to rectify this matter. 

Requested Actions : Provide full validation of these debts, including signed agreements, payment histories, and proof of your legal right to collect. 
Cease all collection activities until verification is completed. 
Correct or remove any inaccurate, unverified, or outdated information from my credit reports. 

Failure to comply with these requests may leave me with no choice but to pursue legal remedies to protect my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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: Checking or savings account

XX/XX/XXXX of 2024, I deposit an escrow check that was a refund from XXXX XXXX. My husband and I endorse the back of the check. My maiden name was written on the check. The check was supposed to be release on XX/XX/XXXX, since XX/XX/XXXX was a holiday. I called several times asking for the funds to be release. First, they stated that the funds have to be verified by the bank, okay which it did. Now they are asking to speak to the second person on the check, which is my husband. I never heard of this before after several deposit I did, when people where not on my account went through. We both sign the checks. Now the check is on hold until XX/XX/XXXX. My account has been overdrawn when my work check goes gets deposited, because they would not release my funds. It's NOT a frauded check, it's a refund from my escrow account on the home, my husband and I sold back in XXXX of 2024.
Product: Mortgage

Signed agreed order to bring mortgage current. 
Paid all attorney fees Paid all late fees Paid all agreed and keep mortgsge current. 
This is the agrred order that was signed by both parties and signed by the chapter XXXX Judge. 

I have been done everything as I agreed to but the mortgage refisrd to report my credit to Reporting agencies.

Refuses to rven look at refinancing, this Shellpoint mortgage has consistently gendered my attempts to ask for help getting this done.. 
Making it impossible. 
I need help. If so done could just look at what this company has done and homd out if their way to make it.
Product: Checking or savings account

I HAVE HAD A CHECKING ACCOUNT WTH WELLS FARGO BANK FOR YRS WHEN I CHECKED MY BALANCE ON XX/XX/XXXX FOUND OUT FROM BANK RECORDING THEY TOOK OUT XXXX DOLLARS NEVER HEARD THAT ON MY REC BEFORE CALLED BANK AND FOUND OUT THAT THEY HAVE BEEN TAKING THAT MUCH OUT SINCE XX/XX/XXXX I GOT BANK TO GIVE ME XX/XX/XXXX TO XX/XX/XXXX DOLLARS I WANT TOTAL OF XXXX TO BE GIVEN BACK THERE WAS NEVER A NOTICE RE THIS FEE I CALL THE RECORDING AND THIS WAS THE FIRST TIME I HEARD OF BANK TAKING A FEE
Product: Debt collection

This agency is attempting to collect debt that is not owed and was paid to original creditor. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and also submitted disputes online about the issues, when I first disputed the incorrect information it was removed. For some reason it was put back on, you responded to my first complaint through the CFPB stating that I did n't contact your company about the negative information showing on my credit report when in fact I have contacted your company several times, I have even faxed proof showing that information should have been deleted from my report and nothing has been done. I ca n't even dispute online anymore because every time I try I get a error message stating that I ca n't dispute it online. I 'm not sure what else I need to do to have the negative accounts removed from my report. You have addresses reported and inquiries showing that I did n't authorize and yes I disputed this last year and it was removed like I said earlier then it was put back on my report.
Product: Debt collection

The original creditor ( XXXX ) started calling me repeatedly, sometimes multiple times in a single day, starting on the FIRST day after my payment was late. I had never made a single late payment before, and I had called ahead of time to ask if they would be willing to work with me because I didn't have the funds for the payment. I was told that they would not work with me until I had at least a few late payments. So I took the advice of the creditor themselves to stop paying for a few months so that I could get hardship assistance. After two missed payments, they transferred the debt to a third-party debt collector ( Concord Servicing I believe- I have never received a single notice of this transfer, so I am going by what they told me ) who has resumed the harassing phone calls. They have had my debt since XX/XX/year> and have made 30 phone calls in just 25 days, one of them being to my work ( which is incredibly embarrassing ). I finally answered them today ( XX/XX/XXXX ) and told them that they have been harassing me and that it needs to stop. They told me they can call as much as they want because I owe money and that if I get up to date on my payments, they will stop calling. I told them truthfully that I am a single parent, working multiple jobs and still unable to dig out from being abused ( financially and otherwise ) my whole adult life, and that I am on the brink of filing bankruptcy because I simply do not have the funds for even one payment and again that they need to stop harassing me. He told me that I am wrong and they are not harassing me because they are third-party collector. I told him once again I do not have the funds for a payment and he told me that I need to ask family and friends, then. I told him again that I was in a longXXXX XXXX XXXX and was isolated during that time and that I have nobody to ask ( not that I would even if I did ). I also told him that I was forced to take out this loan to begin with against my will, at the threat of XXXX by my ex. He didn't care. He once again told me to make my payments. I told him that I had tried to get them to work with me before I even missed my first payment and they wouldn't, and he informed me that they would send me the requirements for a hardship request now but that I need to make my monthly payments in the meantime. He further told me that they won't review a hardship request without full bank statements. They seem very untrustworthy, and I am absolutely not comfortable sending them full bank statements with all of my other debt payments and other personal information included. I told him I would not be providing my bank statements and if they won't work with me, then I will simply have no choice but to fight the debt or file bankruptcy ( which I am on the verge of anyway ). He hung up on me.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/2024 I received an email that my account was put under review for making sales in a month that exceeded a threshhold of {$390.00}. On the same day I received another email stating that my account had been deactivated. I made several calls after that in attempt to get my account resolved and reactivated as well as getting my funds released. As a new small business that amount of money is not something small. I need at least my funds to be released as all orders have been shipped out as promised. I attached my most recent shipping labels as proof that they have been shipped. My account is under my XXXX last name as I am going through a divorce. It is under XXXX as my last name.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00}
Product: Mortgage

On XX/XX/XXXX, I signed a Loan Modification Agreement and Partial Claim Deed of Trust with Dovenmuehle Mortgage. ( see attached documents ) Dovenmuehle never processed the loan modification in their system. I have been calling loss mitigation for over two years and they would say they are behind in processing. I have been making payments since XX/XX/XXXX. During covid I did miss some payment due to unemployment but, payments have been made. Dovenmuehle Mortgage said I did not make any payments XX/XX/XXXX to XXXX XXXX also XX/XX/XXXX to XX/XX/XXXX, so therefore they are not going to process the Loan Modification Agreement and Partial Claim Deed of Trust. ( Attached are statements from Dovenmuehle Morgage showing transaction where payment was paid during those time period ). Dovenmuehle never XXXX the loan out to start in compliance with the Loan Modification Agreement. ( Attached are statements dating from XX/XX/XXXX to XX/XX/XXXX ) showing the pass due amount continue to get larger and larger. They now say that I owe {$57000.00}. All payments made were going to unapplied. I had over {$51000.00} in unapplied funds as of XX/XX/XXXX. Dovenmuehle applied {$910000.00} to fees. This is unfair and deceptive trade practices. How can they not book the loan modification per the agreement that has been signed and recorded at the county clerk office? I do not owe Dovenmuehle mortgage {$57000.00}. Dovenmuehle is trying to cover their self 's because they never processed the Loan modification agreement in their loan system in XX/XX/XXXX and now, they want us to pay for their mistake. They are probably doing the same thing to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about these accounts. This is purely identity theft. The accounts damaging my good credit reputation! 

( Original Creditor : XXXX XXXX ) XXXX XXXX # XXXX DELETE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

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

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Student loan

I am repaying my son student loans both prvt and public on I have been paying on the loans for several months but when I called to check on payments adjustment that would run out soon the CSR told me I had not made any payments. I have bank statements, I asked the CSR what happened to all the payments she said there were none. This was very discouraging I have made sacrifices to pay these loans right at {$400.00}. a month. I no longer trust what these people tell me. I need help with these loans. I want copies of the paper work showing my responsibility for the loan.
Product: Mortgage

I have a Cross Country Mortgage. I can not get their software to work to make a payment. I have been trying for weeks. Weeks ago they told me they knew of the problem and it would be fixed. It has not been fixed. The software does not accept my password, nor does it send a link to another email to re-set the password. I have tried countless times to re-set my password with no luck. They have turned my account over to a collection agency. Meanwhile, I tried phoning Cross Country Mortgage on their number XXXX. I get nothing but silence. This is unacceptable.