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

To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score history suggests there have been forces impacting it negatively, but my report does not indicate any negative activity. My score on XX/XX/2019 was XXXX, my score on XX/XX/2019 was XXXX, and my score today ( XX/XX/2019 ) is XXXX. TransUnion is unable to give me a reason for this drastic change. TransUnion refered me to the FTC and the FTC refered me to the CFPB to file a complaint.
Product: Debt collection

XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Product: Credit card or prepaid card

I paid off a balance to a credit card company 6 days late. I called them and asked them to remove the late fee and they told me they could not remove it due to it being a closed account. First of all the account is showing as an open account and I have an available balance. They then charged me another late fee and interest on the previous late fee, I called them again and they offered to remove one late fee, now had they done this with the first late fee none of this would be happening. They are adding a late fee every month and interest on the late fees. The credit card is for a store that does not even exist anymore.
Product: Checking or savings account

On XX/XX/14/22 someone stole my personal information and used it to call Wells Fargo and transferred money from my savings to my checkings. They transferred XXXX dollars into my checkings and used that money to rent a XXXX XXXX ( XXXX ), buy car tires/car parts ( XXXX ), rent a hotel ( XXXX ), pay public storage ( XXXX ), XXXX hour fitness ( XXXX ), preload phone cards ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). These charges range from XX/XX/22-XX/XX/16/22. The total charges are XXXX dollars. I reported it to Wells Fargo as soon as I noticed it and they investigated the claims. The investigation ended with them telling me they couldnt prove it was fraud although these charges took place on the other side of the state. I do not have a license and I am unable to rent a car in the state of california due to this and my age but they still would not take my claims seriously.
Product: Money transfer, virtual currency, or money service

For XXXX years my sons father has neglected his responsibilities. He has the ability to pay support but is unwilling to pay and is in contempt of court - ( PC XXXX ). According to California Code of Civil Procedure section XXXX if you have child support arrears you are required to not only regularly pay the amount of money you owe in support, you also are required to pay 10 % interest per annum on child support arrears. Further, under California Family Code XXXX, there is a 6 % to 72 % penalty on delinquent amounts if you fall into arrears by more than 30 days. My sons father owes $ 50,000+ and submitted paperwork at the Tennessee XXXX to have a judge in Tennessee override the California judges order of support and arrearages. When the State of California, XXXX XXXX Department of Child Support Services, contacted Tennessee to serve XXXX contempt order - he fled and has been avoiding service for years. He uses cryptocurrency, works under the table in construction and needs to help out. I have been taking care of my children by myself for 14 years. I have spent thousands toward private schools trying to protect my children and to this day I am still in debt- however their lives are priceless. I am taking care my children the best I can and it is not right that that he gets to neglect his responsibility for 14 years. The government can find people under the ground, above ground, anywhere and I don't believe the government is having a hard time locating to serve child support orders. Tennessee is just like Florida, Texas, Arizona and other XXXX states - that doesn't follow deadlines nor the law based on skin XXXX. He had the child support lowered to a couple hundred dollars and ran not realizing every little bit helps his son. 

You keep fighting battles, without ever getting justice - you start to lose respect. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/2024 - This company remains as a collections on all three of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from XXXX. When I spoke with the agent this month from XXXX, she advised me that they recently received the account in XX/XX/2024 and would submit a dispute to XXXX to verify debt. However, XXXX XXXX XXXX still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.
Product: Mortgage

Our mortgage was sold from XXXX  XXXX XXXX to Carrington Mortgage LLC. It has been a nightmare since then. They apparently applied our first payment to the wrong account because they state we have been behind from day 1. We never had any problems with XXXX. We signed up for autodebit on the XXXX and XXXX of each month. They would debit our account prior to those dates which meant prior to payday! Most people are paid on the first and fifteenth! Most recently, I lost a job which is our secondary income due to COVID. I work in XXXX  which all closed due to COVID. Carrington offered a Forebearance plan for 90 days which I applied for and they approved. Upon completion of the 90 days I was to be notified how to resume payments. My choice was to do a repayment plan which was one of the options they offered. I called countless times and they were to send me paperwork for a repayment plan. OR they wanted all 90 days payment upfront to bring the account to date. I seriously doubt anyone who's job was affected by COVID can come up with 90 days worth of Mortgage payments. I for certain can not. Now we have received foreclosure notice. What kind of company sends a foreclosure notice when someone is making the effort to establish a repayment plan?? I have read reviews on this company and they are doing the same thing to literally thousands of homeowners. Someone needs to stop them. We are in a pandemic. What kind of company threatens foreclosure during this time? Also, I have made two payments which they accepted in XXXX since the forbearance ended so that shows good intention on my part. Please advise. This company needs to be dealt with for how they treat homeowners. XXXX XXXX
Product: Debt collection

I checked my credit today and discovered that this company has reported that I owe them a debt. I was never notified of the alleged debt prior to it being added to my credit report. My rights have been violated according to the FDCPA
Product: Debt collection

Around the beginning of 2022 I started getting letters from XXXX claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called XXXX directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as XXXX and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is : RAS LaVrar LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone # XXXX I'm sending pictures of XXXX of the many letters I've received.
Product: Credit card

XX/XX/year> a {$530.00} Authorized charge was made on card. Several charges were made afterwards and transactions were visible every time card was used. Once the car was returned a final statement was posted and my {$300.00} deposit wasn't returned back into my account. I've provided all the proof that was required and I keep getting told they can't assist me and my dispute was denied. I've screenshot chat conversation with customer support. 1 month later still no help.
Product: Credit card

I been a Citibank customer for XXXX  years. Today I call in because XXXX of my credit cards decline I spoke to manager XXXX employee id XXXX and he provided horrible service was rude and unprofessional. I ask to be transfer to someone I can complaint about his service he refused stated no one was higher or above him
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has mixed up my information with that of my sister, XXXX XXXX XXXX. I have repeatedly, over a 20 year period, contacted them by email and mail. I have sent them all that they request including my driver license, birth certificate, social security card and utility bills. I have explained they are combining my sisters information with mine. Every time I try to open an account it is denied because of this. I register to use EQUIFAX online and keep getting my sisters credit report, but my information and accounts are included in it. I am exhausted and frustrated. I need this fixed. We are two people, not one.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXXXXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Balance : {$450.00} 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act Wells Fargo Auto account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 account without my written instructions.
Product: Mortgage

The loan servicer, OCWEN, put homeowners insurance on my mortgage even though I already had a full and sufficient policy on my property. They also included fees for appraisal, inspection and attorney fees. I filed a complaint, XXXX. OCWEN only removed the cost of insurance. I have called to no avail!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information XXXX XXXX XXXX of {$5500.00} from XXXX XXXX XXXXXXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.
Product: Consumer Loan

I financed a new car with Nissan Motor Acceptance Corporation. The 2nd payment is noted as late on my credit bureau. Nissan admitted they made a mistake and removed the late payment from my XXXX report but left the late payments on XXXX and XXXX. Multiple disputes have been submitted with no results.
Product: Credit card or prepaid card

Paypal Credit is the credit card/creditor I am having problems with. Started with summer of XXXX I noticed there were several purchases from XXXX made using my Paypal account. I had been paying through my direct deposit never looking at credit card statements because they make finding these statements so hard electeonically so I was always too busy to look. One day in XXXX & XXXX I called Paypal stating someone in XXXX charging items to my account and it wasnt me and I was a victim of fraud. Paypal investigaged and on XX/XX/XXXX I was reimbursed {$710.00} via check from Paypal of previous payments I sent in excess of my account balance charged by me. I did not make any other purchases and wanted to close the acct however I heard if you close an account it reflects negatively. Fast forward to XX/XX/XXXX when Paypal took {$250.00} out of my checking acct ( previously set up auto withdrawal of minimal payment..I had no balance on acct and hadnt bought anything and thus contacted Paypal to reimburse the money ( {$250.00} ) they erroneously took from me without me owing anything due to not charging anything. I have contacted Paypal since XXXX with a runaround, bouncing Frim fraud to customer service. They would tell me a complaint was filed and someone would get back to me but never did and would " drop my calls '' and no one would call me back and kept sending me past due balances. I asked to see charges a nd tell them to send these statements and never would. I also would look them up on line and two months were " missing '' and was unable to see becsuse I wanted the customee service rep to go over these charges and thats when phone call was dropped and then the last couple of months I am unable to access my account at all and no one has contacted me other than to tell me to pay {$620.00}. In fact when I could see my account they also had a balance on the regular Paypal side ( the side you can pay people and certain online merchants ) I have not used this either. And yes I tried to solution but no one will help and no one will call me and now I am locked out of my acct.. I do not owe anything and in fact Paypal credit owes me {$250.00} Of note is company never sent me a physical credit card either
Product: Mortgage

DITECH IS HOLDING MY MONEY ILLEGALLY ( REG X ) I refinanced and paid off my mortgage with Ditech on XX/XX/XXXX. Ditech has not issued my escrow impound account refund $ 3,700+ and  they are now out of compliance with Regulation X. 

I was issued an escrow account refund but the check was payable to both myself and my ex-husband. I was required by Ditech to send the check back with my divorce decree so that they could re-issue the check in my name only. Ditech received my check and sent me a letter dated XX/XX/XXXX saying that they would make a decision within 30 days. On XX/XX/XXXX at XXXX XXXX. I called Ditech to find out what the status was I was on the phone for an hour and 9 minutes and XXXX said that they would be escalating my concern and that I should have a refund within 7-10 business days. On XX/XX/XXXX I was on the phone for 52 minutes and told by XXXX that my case was accidentally escalated to a person who was no longer with the company. On XX/XX/XXXX I was on the phone for an hour and a7 minutes with XXXX who said that he would make my case a priority. On XX/XX/XXXX I was on the phone for 43 minutes with XXXX. Each time I was given a different answer about their ability to direct deposit and I even gave my bank routing number and account number to two different individuals. One day they don have the ability to direct deposit then next day I was told that they can. I have made multiple phone calls and spent hours on the phone attempting to get this resolved. I keep getting the run around ... ... ... ... ... ... ... And then finally this morning they admitted it! 

" THE BANKRUPTCY COURTS HAVE THEIR BANK ACCOUNTS FROZEN ''. THEY WERE NOT TRUTH FULL ABOUT THIS ON THE PHONE UNTIL THIS MORNING. The representative told me that they have know this for about a week and a half. Now they tell me that I will get my money as soon as their bank account are unfrozen! They HOPE that is tomorrow XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reviewed the consumer inquiry. We are a third-party collections agency working on behalf of the current creditor of this account, XXXX XXXX XXXX XXXX This account ending in XXXX was placed in our office on XX/XX/XXXX to collect on the past due balance of {$2700.00} for the XX/XX/XXXX account ending in XXXX. We mailed out notice of the debt on XX/XX/XXXX. Additionally, we mailed out instructions to complete a fraud packet on XX/XX/XXXX. According to our records, this account was opened on XX/XX/XXXX and cancelled on XX/XX/XXXX. The last payment on the account was for {$170.00} on XX/XX/XXXX. 

This company is putting a debt on me that is not mine and makes no sense above is the letter they sent me in response to my dispute. Which states the account was open on XX/XX/XXXX and closed XX/XX/XXXX. Last bill on XX/XX/XXXX. Which those dates make no sense if account was opened XX/XX/XXXX. How can last payment be XX/XX/XXXX. It also says account was closed on XX/XX/XXXX
Product: Checking or savings account

My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. As per regulation E bank is responsible for returning unauthorized transactions. The bank has denied my claim and not following the regulations.
Product: Debt collection

XX/XX/2022 I SUED EQUIFAX IN SMALL CLAIMS COURT. EQUIFAX DID NOT RESPOND OR APPEAR IN COURT. I WON THE CASE BY DEFAULT. EQUIFAX WILL NOT PROCESS MY DISPUTE FOR UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT, NOR WILL THEY REMOVE COLLECTION THAT I DISPUTED. I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT THEM MY DISPUTE VIA OVERNIGHT MAIL, ALONG WITH MY ID, SOCIAL, AND PROOF OF ADDRESS. TO DATE, EQUIFAX HAS NOT RESPONDED OR RESOLVED THIS MATTER. I NEED THE COLLECTION FROM XXXX XXXX XXXX REMOVED IN THE AMOUNT OF XXXX AND ALSO THE FOLLOWING INQUIRIES REMOVED. ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ) immediately. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS AS A CONSUMER AND THEY REFUSE TO ACKNOWLEDGE THEIR WRONG DOING. I HAVE ATTACHED PROOF OF JUDGEMENT FROM COURT AND MY MOST RECENT DISPUTES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, one of the three main credit reporting agencies in the United States, has reason to believe that my personal information, including date of birth, Social Security Number, and other personal, sensitive information, was accessed without my consent due to a security breach. Myself, along with hundreds of millions of other consumers have had their information stolen from one of the nations, to-be-trusted agencies, responsible for accessing and storing this information. 

Please ensure that ALL those affected, including myself, are protected from this point foward, by ensuring Equifax will not have a breach of this size again. CFPB, please help America with this breach, and ensure all consumers that this will not happen again. Furthermore, ensure that Equifax will reasonably and realistically compensate those who were affected in this breach.
Product: Debt collection

I filed bankruptcy 2 years ago and for whatever reason several debts were not addressed that should have been. However, I have chosen to pay the below listed debt off. I have paid XXXX XXXX XXXX off in full on the original agreement. I was informed that when the debt was paid in full via the terms of the agreement that the account would show paid in full as agreed. This has not happened and is still showing up on my credit a negative account. I have reached out to the creditors and the XXXX credit bureaus for assistance with this matter. Both he creditors and the XXXX credit bureaus keep putting it off on each other. Nothing resolved. I also have several hard inquiries on my credit report that are not mine. I have communicated that as well. As of today XX/XX/year>, they are still listed on my report. I have requested proof that these inquiries are my inquiries but haven't gotten a valid response or a removal from my credit file. Inquiries listed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking that these inquiries be removed or show signed documents of the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE FTC REPORT ATTACHED