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

On XXXX I received an email from XXXX " Congratulations, you now qualify for this exciting offer ''. It said I could check loan rates and options via a soft inquiry and it would NOT affect my credit score or report. 
I proceeded to the website to check rates. I was not impressed with what they were offering. I then get an alert from Transunion that a hard credit pull was performed by XXXX. I did NOT authorize anyone to do a hard pull of my credit. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2018 They scammed my checking account for {$15000.00} ; they had me download a program named XXXX ; and got into my computer to send them the funds by fax. I closed my bank accounts so they would not take any more . 











The bank was First Hawaiian Bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1691i, which mandates for a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting {$570.00} medical debt, without providing the proper proof which validates the alleged debt.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX EQUIFAX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in XXXX. I paid the settlement deal as agreed upon in XXXX and clearly Equifax is reporting account is still open and delinquent. This is incorrect.
Product: Checking or savings account

TD Bank has simply refused to do business without cause and or reason. 

I owed a debt to TD Bank and I paid it back it was a simple {$100.00} debt. 

I received a letter in branch that it was resolved and I could open an account again. 

Then when I tried to it was denied and no clear reason was given.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I received a request for a product and service that totaled XXXX and required a XXXX deposit as they stated. I spoke with the person via message and asked about the name I saw come through the request I was sent via XXXX. They stated I had the right person. On XX/XX/21 I reached back out regarding my appointment just to be told in a text message I have been scammed to leave them the f alone. I reached out to my bank ( navy federal ) because I used a service they provided unaware I was protected and they stated there was nothing they could do and sounded as if they could care less I was out of my money
Product: Debt collection

I requested a wet signature or contract showing my name about this debt. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a credit may not treat a payment on a debt account under a open end consumer credit plan for any purpose.
Product: Debt collection

I was contacted by XXXXXXXX XXXX  who i have no business with and the notified me they were collecting a debt from a XXXX int purchase who i have no business with either. the representative advised me that he was a debt collector on behalf of XXXX XXXX a subsidary of XXXX int purchase. I have not given any information or giving any company the right to share my personal info social security number and telephone number. Aware of my rights as a consumer and natural person under the FCRA. These XXXX comp [ anies per representative who contacted me are Fortiva who shared my info with these XXXX companies without my knowledge or consent. 
I have asked fortiva in a previous complaint not to share my info in claim # per 15 USC 1681 section 602 A. states I have the right of privacy which for the second complaint been violated. 
I am asking for a remdy of {$1000.00} per violation. 
this has caused me extreme anxiety since i was a victim of fraud previously and have XXXX children who count on me and these calls and requests are alot to handle and manage my life due to these pressures and egregious attacks on my name, credibility and ability to maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : TransUnion : 1. XXXX XXXX Date : XX/XX/XXXX 2. XXXXXXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX  filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX  XXXX AES/PHEAA/AMERICAN XXXX SERVICES TO XXXX ( XXXX  XXXX XXXX XXXX XXXX A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX  balance. Between XX/XX/XXXX and XX/XX/XXXX AES sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Product: Mortgage

XXXX XXXX sent me a letter in the mail offering to refinance my VA home loan. I responded to the letter and late XXXX spoke with him on the phone for 30 minutes and immediately after sent all of the documentation he had requested. I'm multiple times we discussed my mortgage rate being at a tax-exempt property tax rate because I am XXXX  % service connected XXXX veteran medically retired for XXXX XXXX XXXX XXXX XXXX on behalf of the United States of America . 
Sometime in the process when the mortgage broker XXXX XXXX sent my loan property tax exemption form was not included to the servicer. Multiple written electronic via text and email notices were sent to XXXX XXXX and also to the loan servicer through their online portal submission form. Neither one of these companies acknowledge receipt of the forms so they continue to now extort an additional {$450.00} a month from me. They are aware of the problem they have been notified about the problem yet they are not doing anything to address the problem. These people are criminals when you call the loan servicer one department is in one foreign country another department is in another foreign country they don't answer their phones their voicemail system is endless and that it keeps giving you options and you never get to speak to anybody and when you do they refuse to cooperate. The XXXX reviews for this loan servicer based in Texas are horrific and talk of these exact same types of scams to overcharge and questionable source destinations for the funds they are collecting and that they are not appropriately applying them to the escrow accounts. These people should not be allowed to touch a VA mortgage or any mortgage and they should all be thrown in prison. I have proof through emails online portal submissions I have screenshots of text messages with my broker he didn't do a thing. My holiday season is difficult enough because of the runaway inflation I don't need a home loan refinance designed to lower my payment only raise it at the worst time possible and to have everybody responsible for this utter mistake dip XXXX and duck out and nobody helps me.
Product: Credit reporting or other personal consumer reports

This is my third or fourth complaint submitted to the CFPB regarding XXXX, as well as, Experian, and the mistakes they need to correct on my credit report. I have been back and forth with many of their customer service representatives and have also reached out to their management via email. I was told that I would receive and update after the pending reviewal of my credit report and the corrections to be made. Although, I never received any update besides the response they gave to my previous complaint to the CFPB and no corrections were made on my credit report. 

I am a victim of ID Theft and am including the documents I have as proof. My personal information has been compromised and used by someone other than me and they opened fraudulent accounts without my authorization. 

The following accounts were opened fraudulently without my knowledge and must be DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX {$2700.00} XXXX XXXX XXXX  XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

TRANSUNION has failed to perform their Fiduciary duties according to law. My Trust has given notice of the violations and TRANSUNION continues to be noncompliant. 


I am writing to dispute and request the immediate deletion of unauthorized and inaccurate information appearing on my consumer report maintained by your agency. This dispute is based on the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 USC 1681a ( 2 ) - Exclusion of transactions between consumer and creditor.

2. 15 USC 1681b - Permissible purpose law.

3. 15 USC 1681e ( b ) - Duty to ensure accuracy and completeness.

I. Unauthorized Information Pursuant to 15 USC 1681a ( 2 ), all transactions between me and the creditor are excluded from my credit report. However, my review reveals unauthorized information still present. I request immediate removal, as it violates federal law.

II. Inaccurate Information Furthermore, I've identified inaccurate information. In accordance with 15 USC 1681b, I request documentation supporting accuracy. Specifically, I demand : 1. A signed affidavit under penalties of perjury attesting 100 % accuracy ( 15 USC 1681e ( b ) ).

2. Proof of written consent from me authorizing information collection and disclosure.

3. A completed Form SSA-89 with a wet signature.

III. Initial Investigation I take issue with your agency 's failure to contact me during the initial investigation to validate disputed information. This oversight violates 15 USC 1681i ( a ) ( 1 ), requiring reasonable reinvestigation and direct consumer verification.

IV. Legal Precedent Recent case law supports my dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Credit reporting agencies must ensure accuracy ( XXXX XXXX XXXX ). 
- XXXX v. TransUnion, XXXX ( XXXX ) : Consumer consent required for information collection ( XXXX XXXX XXXX ). 
- XXXX v. XXXX XXXX XXXX, XXXX ( XXXX ) : Agencies must conduct reasonable reinvestigations ( XXXX XXXX XXXX ). 

Additional resources : - Federal Trade Commission ( FTC ) : Disputing Errors on Credit Reports - Consumer Financial Protection Bureau ( CFPB ) : Disputing Errors on Your Credit Report - Fair Credit Reporting Act ( FCRA ) : 15 USC 1681-1681x.
Product: Mortgage

Yesterday I received notice from my bank about an overdraft. I have been XXXX since XXXX and I have to be sure each month to budget my spending. As far as I was aware my mortgage is {$720.00}, but I have been paying an extra {$20.00} a month because my home insurance went up last year around {$200.00}. My account was drafted {$760.00}. I did not receive an XXXX bill or a letter about my mortgage payment increasing ; therefore, my bank account did not cover my increase payment of the extra {$20.00}. I was charged an overdraft fee of {$38.00}. Today I called my mortgage company, OCWEN to enquire about the new mortgage amount. The OCWEN representative stated it was due to my escrow shortage. I could not believe what he was telling me. On XXXX XXXX, XXXX I received a refund check from OCWEN. I called OCWEN before I cashed the check in order to know the reason I was receiving the {$430.00} check. I was told that they had to send me a refund for the overage in my escrow account. I told them that I wanted to be sure due to the ordeal I went through with in XXXX XXXX. They had claimed my payment was late and sent me threatening letters about foreclosure procedures. I had never missed a payment, or been late on my mortgage. I complain through CFPB [ # XXXX ] & OCWEN took the late fees off & did not report a miss payment to the credit bureaus. 
The representative told me TODAY that I should have not cashed that check and I should send it back. They are trying to ruing my credit. I applied for a HARP loan through OCWEN and was denied because the said my nontaxable income was more than enough to pay my bills. They claimed by law they had to add 25 % to my income for qualification purposes. I do not understand how I could have a {$430.00} overage in my escrow on XXXX XXXX, XXXX and evidently XXXX weeks later, I have a {$250.00} escrow shortage. OCWEN did not send me an XXXX XXXX payment statement or a letter stating an escrow shortage..
Product: Debt collection

I check my credit every week and noticed that my credit score dropped. I see that this debt collection company on my credit. Prior to this showing up on my credit, I did not receive a call and notification from this company. I also fault the credit reporting agencies for allowing these debt collection agencies to pop on consumers ' credit without verifying if they attempted to contact the consumer.
Product: Checking or savings account

In XXXX I requested PNC close my checking account with them ( account number XXXX ). 

The account balance was {$0.00}, or maybe a few cents above {$0.00}. They said they couldn't because there was some pending processing and for me to ask them again later. 

I expressed concern that it was the holidays and if the account wasn't closed soon they'd assess another monthly fee. I was told that I could request they waive the last fee if it was assessed because the account was closed. 

I contacted PNC again in XXXX ( on or around the XXXX ) and requested the fee to be waived and the account closed. I was told it was done and given reference number XXXX. 

Today ( the XXXX ) I realized the account is STILL not closed ( they sent a letter AFTER the XXXX when I was told it was done that the account was active and had a negative balance ). 

The rep I am talking to today say that they can't waive the fee ( or close the account?! ). It has a negative balance of about {$24.00}. I'm not given any options for how to get the account closed. 

It's taken HOURS so far to deal with PNC on this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

I've have written to XXXX, Equifax, and XXXX by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish a/any account without my written instructions.

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.
Product: Debt collection

Hello, I would like to dispute the following collection company " XXXX XXXX '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " XXXX '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " XXXX '' anything and never should have paid " XXXX '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " XXXX XXXX '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " XXXX XXXX '' Thank you for your assistance with this matter. 
XXXX XXXX
Product: Debt collection

**debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment. 
I let them bully me for a long time, now I am going to fight back with everything I have.