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

I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe Experian. None of the info is mine. I thought is was XXXX and notified them. I got a confirmation number datedXXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with XXXX. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to SSA. In addition my home insurance is slightly higher as they use this incorrect info too.
Product: Mortgage

I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX. 
There is no outstanding or delinquent balance. 

Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed tot take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report
Product: Mortgage

On XX/XX/XXXX, our home was totally destroyed by Hurricane Michael. My wife and I have a home loan mortgage through Fifth Third Bank in XXXX, Ohio. We called Fifth Third Bank on 3 occasions since XX/XX/XXXX, the last time being today ( XX/XX/XXXX ), and requested that they suspend our mortgage payments and interest accumulation until our flood and wind insurance on the home settle our claims and pay off the mortgage loan in full. We do not know how long this will take, but those claims are being processed currently. Fifth Third Bank has only offered us a 90 day Forbearance Period, wherein if we do not make our payments, they will not report us to the 3 credit bureaus. They have refused to stop the interest accumulation on the loan. Since this has been declared a national catastrophic event, we feel they should have a little more compassion for any of their clients who just lost their primary residence ( we had recently claimed XXXX on this property ), and stop the interest accumulation on the loan. I am a XXXX veteran and this is creating even more of a financial hardship on us. We begged them to work with us, but got no results. Any assistance you can give us, would be greatly appreciated! Thank you!
Product: Mortgage

Dear Madam/Sir : [ Today 's date XXXX/XXXX/2015 ] Today, I contacted Seterus, Inc. by phone ( XXXX ), to request a copy of my current monthly statement, which reflects all of the missed payments up to the currnt date. I usually login into my account online to obtain any information I need, but because the last statement reflected on my account, as of today, was not current ( only went up to XXXX 2015 ) I was forced to call to request the information by phone, expecting it would be mailed. 

The first representative I spoke to told me that I would not be able to receive a current statement that lists the outstanding monthly amounts because I was automatically opted out of receiving monthly statements and placed into a category of borrowers who now only receive coupon payment vouchers. This is not a request that I personally made, but that Seterus placed me in. I proceeded to ask the representative for a copy of my current monthly statement, but he refused to process the request. He stated that he needed to know why I wanted a copy of my account. I explained I needed an accurate record of all missed payments. He refused to process my request. I asked that he transfer me to his manager. 

His manager, XXXX XXXX, was placed on the phone. At the start of the conversation he explained that Seterus could provide a statement, but could not provide a letter. I said that a statement would be fine, as long as it provided the amount I owe of the missed monthly payments. He then began to ask questions on why I needed the statement and what it was being used for. I explained that it was for my records so that I could confirm the exact amount owed in order to bring my acount current. He then began to create reasons he thought on why I needed the statement. I explained I needed an accurate record in writing. I told him that I have always received statements. I am not sure why Seterus would cancel my ability to receive paper statements without my consent. XXXX . XXXX, the Manager then said that it was Seterus ' perrogative to do as they choose. When I told XXXX . XXXX that I now have all of the information I need to discuss this matter with the proper authorities and that I was happy the call was being recorded, he then said that Seterus could provide me with the letter with my account information, but that it would have to be requested from a department called " Correspondence ''. The address provided was : XXXX XXXX XXXX, XXXX, CT XXXX. He said it would take 30 days to process the request. 

I was refused a copy of my current statement and told that this information was inaccessible to me at this time. The explanation provided was that I have been placed in a category of borrowers who have been forced to receive coupon vouchers without their consent. I just want a current copy of my montly statement.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Ohio Laws Dear LVNV FUNDING, I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Ohio Revised Code under Sections 1349.19 and 1349.20, and identity fraud laws, specifically Ohio Revised Code Section 2913.49.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Section 1349.19 of the Ohio Revised Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 1349.20 of the Ohio Revised Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Ohio Revised Code Section 2913.49, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1349.19 and 1349.20 of the Ohio Revised Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim in the Equifax hack and had very sensitive information stolen, as announced on XXXX XXXX, 2017.
Product: Credit reporting or other personal consumer reports

Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau . Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my co

nsumer rights under TILA. Protection Against Non-Payment of Obligations Act ( PAANL ) This
act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly shows XXXX XXXX0-day late payments in XX/XX/XXXX and XX/XX/XXXX, while all payments were submitted on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for this collections on XX/XX/XXXX through the Equifax online portal. This debt is not mine I am a victim of identify theft. The dispute results returned from Equifax on XX/XX/XXXX did not address the issue of theft. Instead they wrote to say that the dispute has been validated as accurate and the balance was updated from {$400.00} to {$410.00}. This collections account has been removed from all other agencies except Equifax. 
But I am unable to submit another dispute as the item online shows as dispute not available. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX for a balance of {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and XXXX to remove inaccurate information on my credit report and they removed it without any issues. However, Experian gave me a hard time and refused to remove the inaccurate address. The customer service rep told me that it wont make a difference if the address was removed or not. He stated that the address was attached to a certain account which I am not familiar with. When I asked which account it was he refused to provide me with the information. This issue made me feel uncomfortable with Experian having access to my personal information and also made me feel like my rights as a consumer does not matter and are not heard.
Product: Checking or savings account

My card was used at an atm four times for {$400.00}. I filed a claim with Wells Fargo and they are doing everything in their power to place blame on me even though the PIN number used was not with the card.
Product: Credit reporting or other personal consumer reports

Company was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to run accurate disputes while also modifying personal Details on file to attempt to fraudulent tie debt to consumer. Debt was PAID IN FULL prior to closing off account. XXXX violated consumers rights and sold Debt to XXXX XXXX as new debt. XXXX had no right to selll a paid off debt to a 3 party. XXXX has collected funds for debt while selling debt to 3rd party which is illegal. When tasked with investigating issue company refused
Product: Debt collection

Portfolio Recovery calls every Saturday and Sunday starting at XXXX. They also call during the day several times. This all started when they were removed from my credit file because it was an invalid debt. Never heard from this company until I had them removed. Now I get called several times a day starting at XXXX
Product: Consumer Loan

My boyfriends father over 10 years ago got a new car and put me on his car loan that I did n't know. He passed away so I tried to pay it off which I did after the car was wrecked by his son and then paid off from the insurance company which paid late. The credit reporting company shows it unpaid and closed in 2015 which is wrong it 's been over ten years and I never signed paper work about owning the car? But it 's on my credit report. The loan company is Santander consumer. Please help me it 's been ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I applied for forbearance for XXXX months, I was advised that while the application was in progress there would be no impact to my credit. 

My credit score dropped XXXX points. 
The forbearance was approved until XXXX. 

My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint. 

I have a XXXX and my home is in need of emergency repair due to my XXXX XXXX being broken. I am not able to obtain any loan to resolve the issue due in part to my credit score. 

This is urgent as my home is having environmental and sanitary issues. XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX as I am XXXX XXXX due to taking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 my VA home loan lender attempted to pull XXXX  scores. XXXX and XXXX came through but equifax reports no credit available. I attempted to pull my XXXX bureaus score on XXXX XXXX and equifax does not report. 

XXXX I called Equifax to ask them if theres a freeze on my account they said no verified my information and told me that there were issues on the other lenders and not Equifax . My VA lender attempted to pull my credit report again on XX/XX/XXXX from XXXX different lender sites each reported that Equifax score was not available, I called Equifax back and they refused to help stating there is nothing frozen or put on hold on their end so the lenders will have to figure it out. I am unable to get a preapproval for a home loan or get any other credit at this point because Equifax is failing to report, if I log onto Equifax website, I see my information because I have a credit profile but it will not report outside of equifax.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous calls to Transunion in regards to removing Credit Freeze on my account and being able to access my credit report and disputes and never received a call back.
Product: Credit reporting or other personal consumer reports

I was alerted to a charge off account on my credit report by my credit union. I looked and saw an account I did not open - SYNCBXXXX. Looks like it was fraudulently in my name in XX/XX/year>. I want to know who opened the account, what the charges are for and where the bill was sent. I would not have know about this account but for my credit union. This is fraud and someone else opened this in my name and I want to know who did this. I have never received any information about this credit card, uses, authorizations or anything. I don't even have the card, so I want to know who did this to me. I reported this to XXXX and they said it looked correct but it is not!! Please help me get to the bottom of this fraudulently opened credit card in my name.