23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I keep receiving notices for reducing my mortgage from multiple companies that have apparent information regarding my credit and mortgage loan amount. Several of the fliers have " last notice '' on them. First direct lender sent one with a number to call to Opt out of these notices, when I called the number they wanted my social security number and it was a mortgage company. The number they listed was XXXX, if this was an opt out number why would it be a mortgage company?
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

JP Morgan Chase Bank keeps on calling my husband 's and my house. We want written notification on this debt. We want these calls to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TD Auto Finance to setup autopay on my account and due to a glitch in their system, the account was never placed on autopay. I never received any phone calls from TD Auto Finance letting me know that the account was past due and that the autopay was not in place when it was supposed to be, resulting in my account being notated as delinquent 30 days for XX/XX/2021. I made attempts to contacted TD Auto Finance to delete this negative information off of my credit report, due to their representatives error in not properly placing my account on autopay. I did not receive a response from TD Auto Finance and then proceeded to send them a letter with another request to have the negative information deleted off of my credit report. They did not respond to my letter either.I am demanding that the XX/XX/2021 late payment reporting on my credit be removed, as it is tarnishing my perfect credit history and causing me unwarranted financial hardship, which TD Auto Finance is responsible for. 

Please send me confirmation that this is being removed immediately from my credit reports.
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.

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 or 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: Prepaid card

On XX/XX/2024 I was terminated from my job and at the time I was living with people I knew and they told me about EDD which I didnt know what it was at the time and the people I knew told me about it and said they will help me out and file an unemployment which is where you can get money from while ur not working anymore if im correct I dont really know a lot about it but anyways after when they helped me out with all the information I put on EDD they said that a mail will come towards me in 3 weeks and I said okay and later on during the end of XXXX we had arguements and I decided to move out and return back to my mothers place and ever since then Ive been waiting for the EDD unemployment mail til XXXX which i was supposed to receive but never got it turns out without me noticing I found out that the people I knew made a fraud XXXX email with my name on it including putting their number on my information and they stole myXXXX card on mail and has been wasting and putting deposit on the card that I didnt even know of until XX/XX/XXXX or XXXX days ago I tried to make a new EDD with my social Security, but couldnt because my Social Security is linked into a fraud XXXX email that had my name on it and i merged the Two accounts together and removed the fraud XXXX email and phone number ending with XXXX and placed it with my email and phone number.
Product: Credit reporting or other personal consumer reports

As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top 3 credit reporting agencies ( XXXX, Equifax, and XXXX ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, Equifax and XXXX has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the XXXX credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Product: Money transfer, virtual currency, or money service

Incident happened XXXX of 2021, the amount was over {$600.00}. My bank was TD and the funds were taken from a XXXX transaction. I received a text message to believing from Td fraud department stating that a transaction is about to made. The fake TD representative calls to verify the transaction I state that its not me. They send me a text for XXXX multiple times until I ask to speak with their supervisor. I then call TD they close my account the next morning I go into an actual TD branch open a new account and file a fraud report. TD representative informs me to file a police report. TD deny the claim.
Product: Credit reporting or other personal consumer reports

I received XXXX emails from XXXX on Friday, XX/XX/XXXX, that stated I had XXXX credit card inquiry on my credit report. I signed on to my XXXX account and noticed XXXX hard inquiries from XXXX back and Bank of America. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, XXXX and Bank of America.
Product: Credit reporting or other personal consumer reports

In accordance with my prior CFPB complaint XXXX dated XX/XX/2022 regarding Bank of XXXX Account XXXX XXXX, Equifax stated that they have marked this account as paid in full with XXXX balance due ; however, I noticed the balance still appears on my Equifax report XXXX Please remove this information effective immediately. Please see Equifax 's prior response to the CFPB complaint below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ADDITIONAL INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please eliminate the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Product: Mortgage

I gave a payment of XXXX when I should've I called wells Fargo they told me it wasn't time for my payment and to go back and ask for my money so I did and they refused to give it back to me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent Transunion documentation letting them know that I was a victim of trafficking and needed items removed from my credit report. On XX/XX/XXXX, I followed up with Transunion and the representative took my information and put the disputes in their database to be removed. On XX/XX/XXXX, I followed up with transunion and was told they have the disputes in their database and then the representative disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth
Product: Mortgage

I am a XXXX  XXXX with the XXXX XXXX XXXX and I have made numerous attempts to reach PHH Mortgage company on behalf of a customer. Everytime I call PHH I am directed to a XXXX of a rep named XXXX. XXXX never calls back. This is an ongoing issue. There is no way to get in touch with anybody at PHH to discuss the mortgage default for my customer. Please investigate this issue. 

Thanks
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of dispute resolution, particularly following the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which has highlighted critical issues with the platform. Despite using Zelle on several occasions and reporting discrepancies, neither my bank nor Zelle has conducted a thorough investigation into my claims. I was told that recovering the lost funds was impossible and that tracking the transactions could not be done. The CFPBs findings suggest that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the system, leaving users at risk of scams. This lack of accountability and transparency is alarming and raises serious concerns about the safety and security of users.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters out to the XXXX, XXXX, and equifax disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, XXXX, and equifax and they are still reporting inaccurately. This has not been fixed
Product: Prepaid card

I have a Vanilla Visa gift card, I had to refund this purchase I made through XXXX and they had given me a total refund for which was the amount spent which was about almost the whole XXXX XXXX its been a while so I dont know for how much it was and I cant check it because the card is currently on hold until they solve my dispute which seems to be going absolutely nowhere. XXXX had seemed to funded me at first my refund but it was for half the amount! I had called Vanilla Visa Customer service that day and they had told me to charge a dispute of course but it hasnt helped and I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

State employee Credit union XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Payday loan, title loan, or personal loan

I took out a title loan in XX/XX/2017 and didn't make a payment due to loss of my job as well as getting XXXX XXXX  XXXX which landed me in XXXX for 12 days on XXXX XXXX. I recently got my truck repossessed which I understand but they are trying to say I owe them XXXX to receive my vehicle. I am willing to pay them via my parents who now know but didn't previously. My mother said she can pay like {$300.00} a month but not everything all at once.
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX  accounts in collection. In XXXX of this year they removed from all XXXX  credit bureaus. My credit score went up significantly then they reappeared on the experian report like they were new and my credit score dropped by over XXXX points. Again this only happened on my experian report. I do not have a paid subscription to experian. They have done nothing to rectify this situation. I also disputed the collections because there were XXXX reports from the same company for the same date and virtually the same amount of money. That also was never rectified.
Product: Debt collection

When I spoke to a representative from Capital One ( can verify a date from Customer ID # XXXX ) about where to send the amount I can afford to pay because of a family unforeseen occurrence. Capital One associate clearly told me they understood and I have to make payments to Capital One to another mailing address. I have been making payments on the {$5300.00} since XX/XX/2019. 

I am the bread butter for my family and I have reached out to financial advisers and this was the repayment plan that is affordable until I get my total debt of {$42000.00} under control.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX after being denied for an apartment, I pulled my Consumer credit report and found that possible violations of my consumer rights according to TITLE 15. 

A Wells Fargo Bank is negatively and inaccurately reporting an old credit account I had with them as a CHARGE OFF Status on my consumer credit report. 

This account was a XXXX XXXX XXXX funded by me, the account holder. 

Wells Fargo Bank is reporting against this account as if they suffered some type of damages. They did not loan any monies to fund this account. All monies were provided by the account holder when the account was opened. 
Wells Fargo Bank did not send me at 1099C if they did Charge off this debt. 
Wells Fargo Bank is reporting my performance on this account which was a XXXX XXXX. 
I was not given any notice before this information was added to my consumer report. 

The reporting of this inaccurate information is harming me and hindering me from obtaining services on credit. 

Per 18 USC 1028 ( a ) Since I did not give permission for them to provide this information to my consumer credit report, this would be considered Identity Theft.
Product: Credit reporting or other personal consumer reports

Remove Credit Inquires that occurred during data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Debt collection

On XXXX XX/XX/2016, i had a loan and my balance Amount was {$11000.00} thru Harley Davidson Co. I voluntary surrender my vehicle due to financial hardship as XXXX veteran. The company sent my account to 3 credit bureaus as bad debt, charge off the comments was Profit and loss write off. It's unfair for me, of not getting approved to get an apartment because the credit bureaus refuse to delete my account because is verified and accurate.
Product: Debt collection

Received Validation of debt around XX/XX/XXXX. On XX/XX/XXXX called and settled the debt that I received Validation on. Used account number to pay debt. On XX/XX/XXXX, called Ability Recovery Services due to account still reporting to credit bureaus as unpaid. I was told it may take a little longer due to Covid. Called back on XX/XX/XXXX, because I felt that it should not have taken this long. This is when I was told that the account paid was not the account I received the bill/Validation for. Was told they would have someone to contact me. On XX/XX/XXXX I called again about this account because I only authorized my card to be run for the account I received the bill/validation for and any other accounts was unauthorized. I was told there is nothing he could do, he would have to send the dispute to someone else and I should expect a response in 30 days. 30 plus days has come and gone and no communication.
Product: Money transfer, virtual currency, or money service

My phone and credit cards that attached to my account was stolen and used by the Thief. they made two transaction that was not authorized on my behalf on my account .they send my money to other accounts that I cant see anymore but I Reached out to cash up multiple times they declined my dispute. Didnt really give information on why it was declined. It just says a payout and a recipient names. also, reached out to customer support with Cash App Multiple times. Customer service reps was really rude hanging up the phone wont let me talk to the manager.
Product: Credit reporting or other personal consumer reports

This is a formal notice to inform you that the address associated with account in not mine and has benn used without my autorization. Pursuant to the fair credit report act ( FCRA ), undersection 605b ( 15 U.S.C 1681C-2 ), i AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INCORRECT INFORMATION WITHOUT FURTHEIR INVESTIGATION. DELETE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX  not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.