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

I asked for information & proof of me signing a contract and they couldnt provide any proof of that. 

LVNV FUNDING LLC ACC # XXXX I never had a contract this was aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$54000.00}
Product: Mortgage

Recently, my loan was sold/transferred to Roundpoint Mortgage. Upon transfer, the companies neglected to transfer my current flood insurance to the new company. By the time I found out, it was too late and the policy had expired and the new offer from the flood company had expired so I would have had to start all over with a new offer. Roundpoint then took it upon themselves to place lender placed insurance on my property. When I found out about it, I was fine with that because it was about the same price as what I had before on my own. The company was XXXX XXXX XXXX for {$1500.00}. No problem so far, right? But then another charge showed up on my account listed as insurance for {$1600.00} to XXXX XXXX. My homeowners policy is with XXXX, so who is XXXX XXXX? I have written to Roundpoint, emailed them, filed a formal complaint with them, called them, requested contact by a supervisor to explain this to me, asked who authorized this and contacted the XXXX  regarding this. No one answers me.In fact, when I spoke to an agent, he said the charge doesn't exist, but it is there. It is also causing my payment to increase by hundreds of dollars a month, which I can't afford. I had to go to the food bank for the 1st time in my life because of this last month. When I call and ask for a supervisor, I am hung up on. I want answers. Thank you in advance for assisting me.
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from Transunion says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get XXXX credit report or XXXX credit report don't know why. Because these are free to receive every week.
Product: Credit reporting, credit repair services, or other personal consumer reports

My transunion credit report shows that I have opened two new accounts with XXXX XXXX when I have only one account with XXXX. I started living in this apartment since XX/XX/XXXX. However, transunion credit report shows that I opened another account with XXXX in around XX/XX/XXXX when my account only got renewed during that time. I havent closed account with XXXX apartments since XX/XX/XXXX.
Product: Debt collection

Hello.. 
I was living on a XXXX XXXX XXXX XXXX  for 2 years, I decided to move out cause that manager on charge give to much stress when left an apartment she comes to supervise and I am not left an apartment dirty, left some furniture cause no to much time for move out they charge for everything they do in that apartment, that manager that time threat me they gon na suid me for a lot money I told them I have my security deposit and she continues yellow me is gon na be more I reply her is no nice she yellow me and treat me, after few months I find out they sent to collection with hight amount the XXXX without noticing me. they keep my security deposit plus my dogs deposits, I try to contact them to ask where my security deposit they say they suppose sent to a collection department, I was call collection department they say they did not get it any security deposit from them they put one vinyl change some other charge damage was done a maintain guy who working for XXXX XXXX I go attach a breakdown charge and collection number, I I appreciate you guys help in this case Account Details Bureau Name XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$4200.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported phone number XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NV
Product: Debt collection

Acima Digital ( XXXX XXXX XXXX ) {$3200.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies
Product: Credit reporting or other personal consumer reports

After more than XXXX years, in XXXX of this year, XXXX, a bill payment company, denied me access to their XXXX XXXX. XXXX was the agent of Pentagon Federal Credit Union. XXXX first said that the reason for the denial was that I had a prior XXXX  XXXX XXXX. When that was shown to be an incorrect statement, they then said that the reason was that I had not provided a correct home address. A Pentagon Federal Credit Union disabused them of this notion. For the third reason, XXXX said that I was contacting them maliciously, although I have never sent any email to BillPay, and no such malicious contact was documented by Pentagon Federal Credit Union.

As may be seen in the attachments, I have asked them to document their claim, but both Pentagon Federal Credit Union have refused to do so. I notified Pentagon Federal Credit Union and XXXX XXXX XXXX, that I had withdrawn XXXX XXXX agency to handle my financial information including the creditors and the amount that I paid them, and they have refused to revoke the agency. I demanded that the information possessed by XXXX XXXX XXXX, be turned over to the Pentagon Federal Credit Union, and both XXXX, XXXX and Pentagon Federal Credit Union have intentionally refused to provide me the requested information. I asked Pentagon Federal Credit Union to provide specific information regarding the handling of my XXXX complaint, and they have refused to do so. Full documentation of my complaint is on the PDF file and the Word file attached to this complaint. 

Both companies actions have interfered in my financial affairs and prevent me from making an adequate presentation of my complaint to your offices. As this matter may go further, I am asking that the information that I have requested from both XXXX, XXXX and Pentagon Federal Credit Union be provided to me.
Product: Credit reporting or other personal consumer reports

Company messed up my escrow amount and is showing a missed payment even though I have it set up on auto pay. Freedom Mortgage states I am not behind on any payments and states it was an error on their end. I'm currently in pre-approval for a XXXX  mortgage and my credit score report was dropped by XXXX points. I will take significant financial damage due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of refinancing my mortgage. 
I received a call from Rocket Mortgage advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give Rocket Mortgage permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened the account from XXXX XXXX doing the XXXX XXXX  job in XXXX I was paying ridiculous ATM fees then when I went to cash out my checking and saving account they said my saving account never existed and because I didn't have the receipt I couldn't do nothing it was XXXX $ and wasn't worth the head ache so just closed it out. I tried issuing a complaint was on company time and the wait was to long. This was on the branch on XXXX XXXX near XXXX XXXX I was working at XXXX XXXX depositing my checks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies associated with my account. These discrepancies are impacting my ability to obtain credit. I understand that the credit bureaus can investigate these issues to confirm their accuracy. Please verify the following account details for me : account name : [ XXXX XXXX ], account number : [ XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Product: Mortgage

Nationstar Mortgage LLC - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Nationstar Mortgage LLC.
Product: Debt collection

Ive reached out to this company numerous amounts of times from the phone number listed on my report. I was told to contact the original lender which I did and I learned this debt collector no longer owns this account and this company continues to give me the run around as to removing their company from all three of my credit reports
Product: Checking or savings account

The reason I am submitting this complaint is due to the way in which I was treated by the Wells Fargo Bank employees and management in XXXX XXXX, Wyoming XXXX. 


This branch has by far been the worst bank I have ever had to deal with in my life! 

Management and Employees here were rude, disrespectful and at times extremely childish.

The management and employees here decided to call the police on me multiple times, for just trying to make my payment, all because they didnt want to sign a document proving that I provided them with my payment. 


This complaint is also directly against XXXX XXXX XXXX a Security Agent with Wells Fargo Bank Corporate Security. Due to her conduct and behavior as well as for setting up and placing a no contact order against me while I still had active business with Wells Fargo Bank!

This bank discriminated against me due to my XXXX, that I suffered while serving on XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX and this bank refused to work with me or come to a compromise in order for me to continue my business with Wells Fargo Bank which caused extreme undue hardship not only on myself but my family, relatives and close friends. 


This complaint is about the Wells Fargo Bank not any other department of Wells Fargo. The First complaint I filed was sent to the wrong department! This complaint must be sent to the WELLS FARGO BANK!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX 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

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

clear violation on my report balance are inaccurate inquires are not mine some are ftc violations clearly states 7 different name which is violations of the fcra i only have one name on my driver licence
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the mishandling of my personal information during the XXXX data breach that occurred in 2017. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. 

Despite being notified of the breach, I feel that XXXX has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by XXXX, but I remain concerned about the potential long-term impacts on my credit and identity security. 

Furthermore, I believe that the measures offered by XXXX following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. 

I urge the CFPB to investigate this matter thoroughly and to hold XXXX accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.
Product: Credit reporting or other personal consumer reports

This account was closed on the following date ( XX/XX/year> ) Since then the account has repeatedly been reporting active payment history on XXXX. This is an update in the payment history, A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX  Account Number - XXXX
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited XXXX separate checks via chase mobile app in XX/XX/year>. The total sum of checks were aprx XXXX. Chase Bank is unable to verify checks. Chase Representative state that phone number does not match the address to the maker. These checks were issued by XXXX XXXX XXXX XXXX XXXX These checks are valid and due to me. Chase Bank refused to return checks, instead it was kept, it reflects that I was paid in maker 's account, so there is no way to reissue new checks. Chase also abruptly closed the checking account. It's been 9 months and I have not received full payment. Only the initial aprx {$400.00} dollars was released when I made the deposit. I am a landlord that decided to rent out my property to a tenant, that receive XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for rental assistance. The XXXX was supposed to cover rental payments from XX/XX/year> XXXX 2024. After XXXX I received monthly checks and deposited it in XXXX XXXXXXXX XXXX. Checks are actually XXXX XXXX XXXXXXXX checks and there is no issue with verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have XXXX XXXX  credit card for XXXXXXXX XXXX for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.
Product: Credit reporting

American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}
Product: Credit card

Citi Bank states I closed my Shop Your Way Master Card on XXXX. I did not. A disgruntled employee closed my account. This is unethical. Every time a speak to a representative of the company I am told a different story. I did not close my account and Citi Bank is covering up their employees contemptible closure of my account.
Product: Payday loan, title loan, or personal loan

on XXXX. 2014 I stop paying a tile loan. I call the tile loan office because I had a financial issue. the loan company and I never could get it resolved. there was a period when I made some payments after but the interest kept going up. that 's when I got into a deep financial hardship. now present I 've reach out to the collect department and I was told that I had to pay full amount that was is pending on loan, plus interest. My defense is are they allowed to collect the full amount and interest? .. after it shows a charge-off on my credit report.
Product: Debt collection

We sent in a payment to settle the debt and I called on several occasions with the representatives refusing to give me a date as to when the payment would post. I spoke with XXXX XXXX and also XXXX XXXX who both refused to give me a date when our payment would post. XXXX then hung up on me when I said I would wait on hold for the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX