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

I recently reviewed a copy of my credit report and had notice some information that was incomplete and not 100 % 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 maxium possible accuracy of the information concerning the individual about whom the report relates. 

This account : XXXX XXXX XXXX  / XXXX Account Number : XXXX are not complete and accurate And one more thing according to to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows that the information is inaccurate Please see attached document from Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for my credit report through Carma and indicatrd my social security number is wrong. Also tried to apply for XXXX XXXXXXXX credit card and the same thing happened. It is the correct number..please help. ..
Product: Consumer Loan

XX/XX/XXXX or XX/XX/2015, I referred my mother XXXX XXXX to apply for a personal loan at OneMain Financial in XXXX XXXX, MD. There telephone number is XXXX.My mom 's loan was approved. Also, I have been a customer with this company for approximately 3 years and have referred others to the company. My mother called to inform me that I can be rewarded for referring people and I would receive {$100.00}. When my mother informed me of this, in XX/XX/XXXX or XX/XX/XXXX, I contacted the company and spoke to XXXX XXXX. I asked XXXX XXXX if I could be reward for my mother 's referral. XXXX XXXX stated that normally it has to be done at the time the customer completes the receives the funds. However, XXXX XXXX said that she would contact her manager to see if they could give me the offer. XXXX XXXX called by back to say that she was going to do it this time but in the future I would have to give my clients a number ( she provided me a number ) so that I could receive the {$100.00} for referring them. On XX/XX/XXXX, I contacted XXXX XXXX asking the status of my {$100.00}. XXXX XXXX told that that since it was too late she could not do it. HOWEVER, IN XX/XX/XXXX SHE TOLD ME THAT SHE DID IT AND IT WILL TAKE 6 TO 8 WEEKS TO RECEIVE THE CHECK. THIS IS FALSE LIES TO A CUSTOMER AND POOR CUSTOMER SERVICE. WHY XXXX XXXX NEVER CALLED ME BACK TO SAY THAT THE DECISON HAD CHANGED. YOU MEAN TO TELL ME THAT {$100.00} WILL HURT THIS COMPANY MUCH AS I HAVE BEEN AN CUSTOMER AND MY FAMILY. I FEEL THAT ONEMAIN SHOULD AWARD ME THE {$100.00} SINCE XXXX XXXX STATED THAT SHE PROCESSED THE ACTION. IT IS UNPROFESSIONAL TO RUN A BUSINESS TELLING CUSTOMER FALSE INFORMATION. IT IS NOT GOOD CUSTOMER SERVICE FOR ME NOT RECEIVING A FOLLOW-UP CALL TO INFORM ME THAT THE ACTION WAS REVERSED.
Product: Mortgage

The acquisition of PHH Mortgage by Ocwen was supposed to cure the enormous problems that Ocwen had - it hasn't. PHH is worse than Ocwen in customer reposes and service -m there is no one to talk to, they are not responsive to legally responsive questions, or the customer is just ignored.
Product: Debt collection

The business Afni threatened my driver 's license and has increased the debt from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and 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 car loan open at XXXX XXXX XXXX, on XX/XX/year>, under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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, 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

I hereby dispute the current payment status and remark comment associated with my credit report for DISCOVER BANK for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I filed a dispute through experian that both of the addresses on my credit report are inaccurate and are my old addresses. I did not provide any supporting documents. Nothing changed. 

On XX/XX/22 after my first dispute changed nothing, I disputed it again, this time providing my government I.D . showing my current address as my supporting documents. But still nothing changed after the dispute came back. 

So Im reaching out to see if this could please be fixed.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX-original creditor XXXX formerly XXXX- # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXX # All has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

On or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.
Product: Credit reporting or other personal consumer reports

This is my several endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2023 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

WELLS FARGO DEALER SERVICE had pulled an unauthorized inquiry on my credit report. I did not do business with this company, not did I asked to have my credit report pulled. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ''
Product: Vehicle loan or lease

Us bank had existence me for 4 moths awesome right? 

Well due to Coronavirus I could not make payments following the pandemic length I was giving a year on my home and now that I am back to work and was trying to pay 2 payments up and split the next for a few months they agree to take the payment but I will be still sitting on a Repo list how can I get my truck repoed then go back to work loose truck then looose home it doesnt make sense to me this is going to be a complete struggle for America as all my savings was spent to live Im self employed I dont know how to do the grants and gov loans not even sure with my credit like it is today I would even be approved Im back to work I cant loose my source of income thats my truck
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX AND XXXX XXXX XXXX I have never lived at this property nor did i ever move in. When i did the application, i never submitted it due to the fact that i was looking XXXX XXXX XXXX XXXX, emailed me to send him documents and i did. HE pushed the application through without any consent without me and i was approved. now you guys are trying to charge me for an application that i did not complete on my behalf, he did
Product: Credit reporting or other personal consumer reports

Lexis Nexis reported false information. I contacted the company XXXX ( the original company that reported false information ) and they corrected the information in their system. However, when I contacted Lexis Nexus and submitted the report showing the information was erroneous, Lexis Nexus refused to change the information. 

Lexis Nexis consumer number XXXX case number XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an installment loan in XXXX of XXXX, with XXXX  XXXX XXXX, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into XXXX  XXXX on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX XXXX  and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.
Product: Student loan

I set up auto payment months in advance. On my due date they sent a letter at XXXX  saying my auto payments were approved. In that letter it said they wouldn't auto debit until the next month, which could have caused me to miss a payment. Today, I got another letter saying I'm in administrative forbearance, which I didn't request. Now I have to watch and make another payment manually because it won't end until after my next payment is due. This is unacceptable. I'm on pslf and would never want missed payments or paused payments. This is shady at best. Literally on my first due date and again before my second due date. They're messing with my future.
Product: Checking or savings account

My banking account was closed after my check was direct deposited, they have yet to provide me a reason for the closure or ask if any transactions was made by me. The bank in question is Citi Bank. I have called no less than 20 times and they refuse to provide me with answers or my money. The happened on XXXXXXXX XXXX and my family had to go without dinner or presents.
Product: Debt collection

This debt was paid before charge off. The vehicle is no longer in my possession and the vehicle was purchased over 7 years ago. Payments received were more twice more than the car 's value. The amount collected and still pursing to collect is fraud and twice the value of the vehicle.
Product: Credit reporting or other personal consumer reports

Email : XXXX Phone : XXXX Date : XX/XX/XXXX CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX D.C. XXXX Subject : Complaint against TransUnion for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX  XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation.

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.
Product: Checking or savings account

Hello, I bank with Truist, and I had 3 fraudulent checks cashed out of my checking account with them. The amounts and dates are as follows. 

XXXX. XX/XX/XXXX Check XXXX {$8500.00} XXXX. XX/XX/XXXX Check XXXX {$2700.00} XXXX. XX/XX/XXXX Check XXXX {$6100.00} Please note, I have my original receipt for the first check XXXX that proves I never wrote a check for that amount or to said person. All three checks were fraudulently duplicated/made, all XXXX were made out to the same person committing the fraud, all XXXX had my signature forged on it, and all XXXX were cashed at discover bank. I was never issued a check book for checks XXXX to my knowledge, so it seems after check XXXX was stolen they used that as a guideline to reproduce the checks. I can see pictures of the cashed, fraudulent checks, under my online checking account. I write at least XXXX check a month and the XXXX fraud ones were blatantly a forged signature, they don't match any of the other checks I ever signed on my account. 

My first step was contacting Truist on Monday XX/XX/XXXX over the phone, a claim was filed for the fraudulent checks and I was instructed to go into my local branch to finish the process. On Tuesday XX/XX/XXXX I went into my local bank to sign and read all required paperwork regarding the claim. I was told in XXXX business days the money would be credited to my account, and then from there they would work to investigate this to release the money back to me. Well this morning XX/XX/XXXX I received the following message via email. 

" This letter is to inform you that we have concluded our investigation regarding your claim of fraudulent/unauthorized activity dated XX/XX/XXXX in the amount of {$17000.00}, in connection with the above referenced account. 
Based on our investigation, Truist denies your claim for reimbursement because you did not report your claim within required timeframe ( XXXX ). If applicable, the evidence which was used to resolve your claim will be available to you upon request. 
Truist values the opportunity to process transactions for our clients. Should you have any further questions regarding this matter, please contact XXXX XXXX XXXX at XXXX, we are open XXXX hours a day, 7 days a week. Our staff will be glad to assist you with any questions or concerns. 

Thank you for banking with Truist. '' My understanding is you have 5 years according to the statute of limitations to report check fraud. Also I can't find anywhere any timeframe that Truist even requires to report this. And that should have been the first thing mentioned over the phone if it was too late, so I call bs on this they just don't want to help me out. This is a huge amount and to receive such a vague response is disgusting. I wanted to go through the CFPB before contacting a lawyer, thank you!!
Product: Mortgage

XXXX changed their website. When I accessed it, it changed my mortgage payment from bi-monthly to monthly. I wanted to go back to bi-monthly which I HAVE DONE FOR YEARS. I called the company and they told me to cancel the monthly payment and then click bi-monthly. When I did so, they had my bi-monthly date for two days before the date I had previously had scheduled. Now it's on a Wednesday and not a Friday WHEN I GET PAID AND IT'S BEEN FRIDAY FOR YEARS. They are saying it's my fault for changing it on the website and will not change it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB requested questionable but additional information on XXXX. I provided what I could by fax. The document is not showing any signs of upload or attachment. THis is the twenty first time since XX/XX/2012 such kind of bias had happened. It always followed a pattern. When ever I contacted other bad agencies like FTC or especially the XXXX XXXX or some anxious ombudsman representatives, the documents would be concealed or misused by breach. Would that be the reason why America chose to investigate the sitting president and/or bad guys for robbery scandal?
Product: Debt collection

I received a Collection notice from XXXX. I got insurance back in XXXX, however I decided not to keep the insurance. In the process of this. I got a letter stated that I need to send back a item that I was not aware of. I believe it 's a divine that goes in the vehicle. However I never received it and XXXX can also see that I never even activated this device. I emailed letting them know I do n't have the device they claim I owe them money for it. I 'm comfused. How can they make me pay for something I did n't receive. No tracking number or number. Nothing to prove hat I receive it, I 'm assuming that they are he only ones who can be right in situation. It 's not far that they torture me and also send me to collection for something I do n't have nor can they prove it. Items get lost in the mail or stolen all the time. I 'm the victim and they are threatening to send me to collection and affect my credit reporXXXX dollars. It 's not far and I need to seek justice for this. This company is manipulating and billing me into something I do t have. Is it because I decided to go with another insurance .Its not far and I feel so upset and afraid what trey are trying to do to me. I would have preferdnif we went to court and I know they would have had to prove tahat I received and and use the device. I did n't and please help me in this situation. I 'm going to call the police department also and file a harassing and frivolous in this company and also companies involved