23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed a complaint and have been working with Ocwen to finalize this modification as of XXXX of XX/XX/2014. I have made all payments from what we were told and on all our statements nothing is being posted for those payments as well as we did get a new doc to finalize but our principle has gone from {$360000.00} to {$380000.00} which means they have not posted the payments and are now trying to take advantage of the funds and my payments. We are in the process of doing a sale on the house but they have not corrected my wifes and my credit reports as they have been posting that it is unpaid and they need to correct the balances and fix based on payments. This is an illegal activity that they are continuing to do. 

we have also obtained all proper insurances and are being told that XXXX is not rated high enough for them to be used for insurance and when I talk to XXXX they state ocwen is nuts. They 're also requiring insurances I do n't legally need.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter of to the consumer reporting agencies Experian XXXX and XXXX to remove address from my personal information and that I am a victim of identity theft back in XXXX of XXXX  According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT NUMBER:XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX , BALANCE {$20000.00}, XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX , BALANCE : {$4900.00}, XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : Equifax, XXXX And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.
Product: Checking or savings account

On XX/XX/2023 I issued a check in On-Line XXXX  to pay off an Auto Loan with Chase Auto for the amount of {$45000.00}, this check was cashed on XX/XX/2023 satisfying the loan. XXXX, without approval, re-issued a redundant check to Chase XXXX on XX/XX/2023 for the same amount of {$45000.00}, Chase Auto cashed and applied this check on XX/XX/2023, to an account under my son 's name paying off his loan which was well less than the {$45000.00}. This was done without any communication, nor authorization or any form of consent. I have spent in excess of 8 hours on the phone with both XXXX & Chase, been to both bank branch locations numerous times without resolve. I have been promised a refund 3 times without it being sent. This has been going on for so long that I feel that Chase Auto has criminally stolen my funds and should be held in some type of legal justice and offer me some type of compensation for the time spent and the financial jeopardy that I have suffered from. I want my funds back now!
Product: Mortgage

I am a XXXX XXXX XXXX, 30 year, XXXX XXXX  of the XXXX. I am also rated by the XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX for multiple service connected health issues. Less than one month after Co-President XXXX effectively shut down the CPFB, I received letters from NewDay USA offering CASH OUT OFFER FOR XXXX XXXX XXXX XXXX XXXX. Included on the front of the envelope was " The VA has granted NewDay automatic authority. A meaningless sentence, yet using the guise they were authorized by the XXXX Another disturbing fact, the name on the letters matched exactly my information in the VA database. I use my middle initial and sub title XXXX ONLY in my official military and veterans records. Again on XX/XX/XXXX, I received an additional letter from NewDay offering the same misleading " approved by VA '' on the letterhead. Both letters also use in the return address the name of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. ). XXXX XXXX passed away in XXXX. It would be interesting to see his survivors reactions upon notification that NewDay USA is using the Admirals name as validation of their malpractices. I researched NewDay USA, and found in XXXX, the CPFB had fined the company {$2.00} XXXX to the victims fund of the CPFB. ( XXXXXXXX XXXX XXXXnewday-usa-XXXXXXXX ) for its deception in their loan practices, which are remarkably similar to the letters I have received. I believe they went into action the week XXXX shut down your agency fearing no retribution for their past deceit of veterans and XXXX XXXX members.military. I can supply the Bureau with original or copies of the letters. Since they are sent per-sorted post paid, there are no date stamps, another tactic to deceive without verification.
Product: Credit reporting or other personal consumer reports

Just earlier this week, my credit score was around XXXX. I woke up around the XXXX of XXXX XXXX and it was a XXXX. 

There is nothing that shows differently on my report today than it showed for the past few months. Why another huge reduction to my score? 

Plus, there is a closed account showing it was paid off in 7 months ( Equafax ). Equafax also show my score drastically drop XXXX points. Why did either ( XXXX, Equafax, and XXXX ) drop my score? I have 100 % on time payments, never had a late payment, oldest credit line is 4 years. Why keep doing this to my credit?
Product: Credit reporting or other personal consumer reports

My XXXX alerted me that Mohela contacted him on XX/XX/XXXX/2025, asking for me. He instructed them not to contact him. We've been divorced since XXXX (! ). I suspect that they dug into credit history to find him. 

I found that they were a student loan company that has assumed XXXX loans, for which I am listed as a co-signer for my XXXX She contacted them and confirmed that the loan is in forbearance. She also informed them not to contact XXXX XXXX. 

They called him again on XX/XX/XXXX/2025. I contacted them and they transferred me to a general number with a very long wait to file a grievance. 

Prior to this, no mail has been received. 

Immediate cease and desist of contact to non-party participants is demanded. Immediate cease and desist of telephone contact to anyone is also demanded.
Product: Debt collection

Please refer to my original complaint with you that you closed after receiving a response from the company and did not address my requirements list in my complaint COMPLAINT ID XXXX
Product: Credit card or prepaid card

I received a letter in the mail advising that Bank of America detected suspicious activity on my credit card. I have never applied for a credit card with Bank of America. Someone used my personal information to open a fraudulent account. Bank of America advised that the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this complaint to TransUnion. It was the result of their non-compliance to my request and for their refusal of getting the items listed below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Transport to hospital was covers by my insurance. I did not know this amount of XXXX was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with he Fair Credit Reporting Act XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, 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 a account without my written instructions 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a call from Quicken Loans at around XXXX XXXX. I was in an appointment in did not answer. The person left a message with just their name and phone number no other information I didn't call back as I was in a meeting 10 minutes later I received a second call from quicken loans. I answered the call because they are my current mortgage company and I was concerned there might be an issue instead I was bombarded by questions from a sales rap at which point in time I ended my conversation with him stating I didn't have time and I was an appointment .Later that evening I spoke to my husband to find out that in between those 2 calls the man called my husband twice as well. My husband informed me that in his conversation he told the gentleman he would have to speak with me about any refinancing and that he was going to send my husband attacks with the details My husband didn't get that text. Add around XXXX o'clock that evening I received an email stating that my credit had been ran I went to see who had made an inquiry and was shocked to see that it was quicken loans. Upon getting this information I called quicken loans immediately to dispute this and spoke to 5 people during this time. The manager stated he had to investigate and listen to the recordings. He spoke to both me and my husband that night. The next day I received an email from the sales rap stating that my next step was to have my credit report ranAnd that this was an easy step in the process. I immediately forwarded this email to quicken loans complaint department who added the manager I spoke to on Friday evening. I received another email from the sales rep on Sunday and then on Monday of which I forwarded these to the manager. At no time did my husband or I state that we were interested in refinancing or give permission to have our credit ram. I have filed a complaint with XXXX CO which is who they used to have the credit ran I have filed a complaint with XXXX XXXX And experienced. I am concerned with the practicesOf quicken loans they do not appear to care about their current customers and only are interested In new sales. What they did here reminds me of the reports I saw in regards to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year>XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year>XXXX XXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year>
Product: Credit card

1 : impossible to communicate with this company. 
2 : web site frequently down 3 : when I submit messages, an error occurs and it is not sent and i am asked to log in again. 
4 : I can not get pdf files of my monthly statements without ReQUESTING them, waiting 48 hours for an email link. For a year I never saw the email link.They finally just mailed me -TWICE -a year 's worth of paper statements. I prefer instant analyzable transparent pdfs!!! 
5 : It 's XXXX XXXX. I tried to " contact them '' via their message board and the message, once again, had an error. 
Not receiving instant access to legible PDFs makes me not understand what I owe. The excel stuff is ok but not for analysis.
Product: Checking or savings account

It has been two weeks as of XX/XX/year> since I have had access to my accounts ( two checking and one savings account ) via mobile banking, website, or debit card. When I couldn't log in to mobile banking I contacted Citi Bank to notify them and they said they could not help me. To go to a branch office or write a letter to Citi Bank. I called again the next day and they wouldn't give me any information, not even my account number to try and change my password. I called the third day and was to my accounts were in the process of being closed and no funds could be withdrawn or debits made during the process. I was told it would be 30, 60, or 90 days and that if any funds remained a check would be mailed to me. They also told me that " certain '' deposits would be declined but others would be allowed. My account is not in the negative. I asked the representative to switch my statement preference to paper statements so I could see my direct deposits and balance information during the 90 days and she declined. I asked for her employee number or name and she refused to give anything but her first name. I asked for a supervisor or the fraud department and she said I was speaking too loudly and she was ending the call. I have four direct deposits per month that so far two have been kept by Citi Bank for no reason without me having access. I have not received any paperwork or notice explaining why I can't access my accounts and would have not known had I not called Citi Bank.
Product: Debt collection

I have reached out to this company to remove derogatory from my credit report.
Product: Debt collection

I sent Account Services Collections an letter on XX/XX/2017 about several ( 5 ) medical debts from the same collector that showed up on my credit report. On that letter I requested that they validate the alleged medical debts due to me being unaware of any outstanding medical bills that my medical insurance covered. In that I also asked that they provide the breakdown of fees including any collection costs and medical charges. I also asked that they please show me a copy of signature of mine with the provider of services to release my medical information as proof. In that letter they said that I was was informed in which I never received such letter. After receiving this letter I mailed directly to XXXX, XXXX XXXX, XXXX and provided them with a copy of my Id and Social. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. As I stated prior I have sent the information with my id to them on more than one time.
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 XXXX XXXX XXXX these account has violated my rights Account : XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and doe not reflect my true credit history. 

TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX acct number XXXX acct number XXXX
Product: Credit reporting or other personal consumer reports

Reason for Dispute : Inaccuracies with the Status, Late Payments, and Reporting Dates between Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : Equifax What happened : OnXX/XX/XXXX, I noticed my credit score had gone down by approximately 100 points. The report showed Equifax reported a collection/debt that was not mine. I looked at my Equifax credit report where in addition to the collection issue there was a false address as well as false employment information ( false employer ). 

I called the collection agency and the original creditor and they could not find any information under my name. On XX/XX/XXXX I submitted a dispute with Equifax. 

On XX/XX/XXXX I was notified their information was not only accurate but that they had updated my credit report with new information. 

Equifax is claiming that my dispute over their false information about me is not only incorrect but that after their investigation they were updating my file with more false information. 

The updated information reports the false address and employer information as my current address and current employer where before it was just listed without designation. 

It is very frustrating and almost impossibe to communicate with Equifax. For example, I am unable to view the status of a dispute because the website freezes me out. In addition, the wait time on the phone is never ending. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITORS DISCOUNT & AUDIT contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, 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 a account without my written instructions