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

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there.

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.
Product: Money transfer, virtual currency, or money service

over {$1200.00} was taken from me through an unauthorized transaction on my old account name XXXX XXXX XXXX XXXX' No one resolved the issue due to therr not being a live agent to assist!!!
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 involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

My husband and I applied for modification. We went thru the process several times because our note was sold before we got a result. We then had to start over and over. Finally, I was told that we qualified. I explained my husband had XXXX and was told I had to start over for the modification. I reached out to Fay Servicing and someone told me that if I wanted to I could hire a Realtor and do a Fast ( Quick ) Sale and it would not effect my credit. I did as I was told and Fay Servicing sold my house in XX/XX/2016 without notifying me or my Realtor. I have no idea what they sold it for but they say I pd. 100 % of my Loan. Now that I am trying to start my life over without my husband ; I find out that I have a Foreclosure. Why? I hired a Realtor as instructed. Can someone please explain this to me. After my Husband XXXX  I had a XXXX. Although I was not 100 % well, I do remember hiring a Realtor. 

Modification Reasons : 1. My Husband had 2 XXXX   XXXX and one XXXX XXXX within 2 months 2. He had his third XXXX XXXX and 2 XXXX within a month 3. He had Multiple XXXX ( XXXX ) for 4 years. 
4.I have had XXXX most of my life 5. I suffered from clinical XXXX : especially after my husband XXXX. 
XXXX. I had a XXXX. 

I can prove all of this with our medical records if you need them. 

It took along time for me to be able to function. This is the reason I had never asked before.
Product: Debt collection

Portfolio Recovery Associates. XXXX VA. Constantly send incorrect information to the 3 main credit Bureau '' s. Fail to report monthly payments and amounts. Disputed 3 times and deliberately report incorrect information in a attempt to lower credit scores and further damage my credit.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, XXXX, XXXX, and TransUnion. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a 30-day period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX/XXXX/ XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent three letters which are attached to this dispute clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. In fact the 2nd letter I wrote was returned as frivolous so I took the time in the third letter to write a detailed explanation and I sent highlighted credit reports from Experian and XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. XXXX   deleted these accounts for inaccuracy in May once a dispute was filed. Experian claims that these two accounts have been investigated three times, but the date of status has not changed in the disputes indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the three letters sent to Experian, My XXXX and Experian credit reports and the three Experian dispute results. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Debt collection

Dear Sir or Mam, I don't know were to begin but I lost my wallet in 1999 when I was XXXX XXXX XXXX. From then on I have had calls, messages left on landline answering machines, and now cell phones. I even got XXXX one time and the police started XXXX when they looked at me because they said " You were suppose to be an XXXX XXXX XXXX ''. They showed me a XXXX state Identification Card with all of my stuff on it name, address, date of birth, etc ... but a picture of her with green contacts in because I have green eyes. I can not figure out any of this or what her name is because technically she is me. I have all these accounts on 3 different credit bureaus and the debt collectors will not give me any information because I don't have the account numbers or passwords to the account. I try telling them this is Identity theft and it does not matter. I don't know where to start there are too many companies, too many monies owed, and way to many dates started back in 1999. Please help me with this. I'm XXXX XXXX XXXX now and my father still has to co-sign or help me out. Also, I can not open a bank account because whoever this women is did something bad with checks and they run your name through a company called XXXX   XXXX. My name is XXXX XXXX XXXX and I can be reached at ( XXXX ) XXXX
Product: Mortgage

I filed a complaint against Citizens Bank. They made an adjustment that did not solve the problem and now refuse to return my call. I have placed XXXX calls to the Chairman 's office. 

XXXX XXXX XXXX callsXXXX XXXX call-his voicemail says he is back from vacation as off yesterdayA {$600.00} ( approximate ) payment was not applied to the balance of my mortgage in XX/XX/XXXX. If it had been the balance going forward along with the interest charged on the reduced balance would have been less with each additional payment since the balance would be less. The paperwork supporting this was supplied to Citizens. 
Citizens applied the money that was paid in XX/XX/XXXX today and wanted to wash their hands of it. So they want to keep the additional interest they have charged and I have paid from XX/XX/XXXX to XX/XX/XXXX instead of recalculating the balance. Interest was charged on a higher balance. I think the bank should understand this. I want the payment applied and then the interest calculated on the reduced balance from the time the payment should have been applied to now. Yes, it will be many calculations since the error dates back a few years but I am sure there is technology that can assist XXXX XXXX or XXXX XXXX so it does n't have to be done long hand. I hope this can be resolved to my satisfaction soon.
Product: Debt collection

I went to visit the XXXX XXXX  about 3 times. The 2nd time I went to the XXXX  I was told I needed to fill out an application and I did. And she assured me they would not run my credit until I was ready to move forward. After I viewed the apartment she called me and said that I owed them {$35.00}. I didn't understand why she said that cause I was not ready to move yet. It was probably a month latter when I went back for the 3rd time. My girl friend went and spoke with the same property agent looked at 2 different places at the property and called to tell me to go look before making my final decision. I called and spoke to the same property agent who told me she would show me the property as long as I paid the {$35.00}. I went and I spoke to the agent gave her the {$35.00} money order. and then she said I still owed {$75.00}. I needed to pay that before viewing the apartment I told her I was not paying that because I was not ready to move there. Then she told me that if I didn't pay it they would send me to collections. I told her I haven't said I was ready to move in or even submitted a full application neither have I given you the go ahead to run my credit. They have not ran my credit but they sent me to collections with all 3 burrows which has affected my credit score. I found out cause I had to buy a car last week and the rate was hire because of the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a XXXX XXXX through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE
Product: Credit reporting or other personal consumer reports

Hello, On XX/XX/XXXX, I was notified by XXXX via email of a past due bill on an account connected to my email. I was taken aback by this because I have no accounts with XXXX. Upon hearing this I contacted my cell phone provider informing them of incident, which resulted in a scan of my phone checking for bugs and viruses. Upon completion it was confirmed that my device had been compromised and hacked and my information and data was subject to being stolen and used for fraud. They advised my to check credit reports with all bureaus, i did and saw that my credit file had fraudulent information reporting from as early as 2021! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. They were conducted without my knowledge or consent by the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Mortgage

Loan originated with XXXX XXXX XXXX. No issues. Loan transferred to Newrez who then became Shellpoint. Payment have increased, more than doubled a blatant error. I have called many times and Newrez and no resolution. Seems Fraud by Newrez/Shellpoint charging more than is owed and claiming payment for insurance that is not owned in attempt to triple escrow.

The XXXX  should be based on accurate numbers and not inflated numbers.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act " XXXX XXXX XXXX XXXX XXXX XXXX '' has violated my rights. 

Under 15USC1681 section 602 states I have the right to Privacy 15USC1681 section 604a section II states a consumer reporting agency can not furnish an account with my written instructions Under 15USC1666B states A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Experian Account XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges or credits I was unfairly charged overdraft fees. 
The issues appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 605B ( 15U.S.C 1681C-2 ) that the Equifax credit reporting agency , block information appearing on my consumer credit report and breach of my identity that is the result of identity theft and fraud with in 4 days of receiving this complaint. this fraudulent, inaccurate and false information appearing on my consumer credit report as of the start date 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 XXXXXX/XX/XXXX. I have been requesting original documentation for all of the following credit reporting agency and have yet to receive any document of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been working on things reporting on my credit file that are not accurate with all three bureaus. For some reason TransUnion is the only one that still have not corrected a huge mistake. They are reporting XXXX XXXX XXXX   XXXX as a paid repossession and that is NOT CORRECT. I have personally spoken with the bank and they indicated that it should not be listed as a Repossession.  The worst rating was 60 days late and it was paid in full. I have requested on several occasions for this to be corrected!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX I XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} ; DEPT OF ED XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Checking or savings account

I made a mobile payroll check deposit on XX/XX/2022 at XXXX XXXX. This is the same time and deposit from my employer I make every two weeks and have for quite some time. Chime changed their policy on hold period for mobile check deposits on XX/XX/XXXX and did not provide prior written notice to me in regards to this change. I made an inquiry XX/XX/2022 to Chime through their support system. I was told in initially it was to make sure the check didn't bounce. I verified with my employer and the check cleared the bank, XXXX XXXX, on XX/XX/2022 and funds were released to Chime the same day. I inquired again through their support system and never received a response. I called on XX/XX/2022 to their support line, and was lied to, again, and told that it was to wait for the issuing bank to release the funds. I requested that Chime void the deposit and allow me to have my funds so that I could find another bank that could handle payment processing and communicating with its customers about account changes. I was told that they could not release the funds to me and I was required to wait five business days.

I received the funds after five business days, requested to close my account and received a communication stating that they had decided to close my account, and also a notice ( after the fact ) of a change in mobile check deposit policy.