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

In 2015 we signed up to have our mortgage payments made through XXXX XXXX XXXX. After several months we received a letter from them stating that they could no longer do business because they were having a problem getting a bank to work with them. We then contacted our mortgage holder, Freedom Mortgage ( Account # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ) and asked if they could take the payments out every two weeks. They said they could. They took the payments for a few months and then we noticed that we were being charged a late payment charge each  month. We called to determine why this was occurring. The rep told us that it was because the second payment was arriving after the XXXX of the month. Well, we souke with a supervisor because their rep set up the payment schedule and should have noticed that would occur. Secondly, with a payment plan twice a month you shouldn't be stating that our payment was late. The rep we spoke with when we called stated that he would change the draw dates for the payments. He did not do that. He cancelled the one schedule of payments and never set up another. We were traveling and so never noticed that the payments did not come out. Since we were camping, in most locations we didn't even have access to wifi. When we finally returned home we got our mail and had several letters saying we were in default on the mortgage! When we called the second representative told us they would have to investigate and not to make the payment until they figured it all out. Once they fixed the problems they removed all late charges and said they corrected our credit report. They did not. They had been reporting us 30,60 or 90 days past due. What they did was then report the account as current, but never did remove the reports of being 30,60 or 90 past due. At one point we were actually two weeks ahead in our payments. Have written several letters but get a form letter in return saying they can not correct the information because it is accurate but the issue was caused by their representatives. Even though the information is technically accurate, if someone actually took the time to read through the notes in our account they could see tthe whole picture. We are not getting any assistance by trying to deal with the mortgage company and the credit reporting agencies keep reporting a " serious delinquency '' which we assume is the mortgage issue, however, when contacting the credit reporting bureaus, nobody will explain to us what the " serious delinquency '' is on our reports. They all simply send us ANOTHER copy of our credit report. We have about 20 copies of our reports and we can't see ANY serious delinquency except the 30,60, or 90 days past due being reported by the mortgage company. I am a XXXX veteran, retired from the XXXX, My wife is also a veteran of the XXXX. We shouldn't have to be spending our time, hours on end, trying to fix this issue ) When a company services VA loans they should be respectful of the customers they are serving.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I filed complaint # XXXX against XXXX for failing to abide to the federal law COPY OF MY REPORT again XX/XX/year> submitted more documentation to prove XXXX responses to be frivolous and delaying time SEE THREAD as of now open company reviewing and delaying, attached new documentation that there responses etc SEE ATTACHED there response and my request they have identified me as we FLAGED MY ACCOUNT AS A VICTIM OF FRAUD ( I HAVE NEVER BEEN A VICTIM AND NEVER REQUESTED A FRAUD ALERT ON MY ACCOUNT ) I only requested a consumer Statement to prevent future fraud, XXXX in whole as deliberately put a fraud alert on my account knowing the obstacles etc preventing throwing up flags to question anyone to extend credit in my name SEE DENIAL TO EXSTEND CAR LOAN BECAUSE OF THIS then they pound me with there paid service to boost my score and tailor to my likings and results at this point I have nothing to dispute and or know what's correct and not because as of today XXXX I STILL HAVE NOT RECIEVED MY REPORT
Product: Credit reporting or other personal consumer reports

I filed this report and these accounts have not been removed. These accounts were opened without my knowledge or consent with companies I did not apply with and they were opened with my personal information.
Product: Debt collection

PORTFOLIO CREDIT HAS VIOLATED MY RIGHTS AS A CONSUMER AND VIOLATED SEVERAL LAWS THAT IS SUBJECT TO A LAWSUIT. PORTFOLIO CREDIT IS IN VIOLATION OF -15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT - 18 USC 1028 A - AGGRAVATED IDENTITY THEFT - 18 USC 1028 A -15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE -15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT - 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY -15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION - 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION -15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION -15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE -15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS -15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT - 42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER -15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY -15 U.S. Code 1681 Section 602 A Section 2 -15 U.S. Code 1602 - Rules and constructions -15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies -VIOLATION OF ORDER TO CEASE AND DESIST
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to dispute some items on my credit report with Equifax that sent an updated report saying items had been verified which I didnt agree with so I sent in a letter to investigated and show me physical proof of the verification they received which they have yet to do they sent another report saying investigation is complete and yet again verified but they have not sent are shown me any physical proof. I also filed a complaint on the company reporting the information to the credit bureau. Received an email from the company saying they have no record of me or any of my information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I purchased a sofa from XXXX XXXX and opened a line of credit in the amount of {$1400.00}. I was told that within 30 days I would receive mail on how to pay the bill and access my account. I had given XXXX XXXX my correct address including apartment number. XXXX incorrectly forgot to include my Apartment in my address when opening the line of credit and I never received any mail to pay the bill or access my account. In XXXX from my bank I got a notice stating there was a late payment and credit score had dropped. I called XXXX XXXX and they gave me TD Retail Card Services number to call. On XX/XX/2023 I called TD and I found out the address on the account was incorrect, they made a note on the account and updated the address and they were able to give me my account number so I can log in a make my first payment. The customer service rep told me to fill out a TD credit dispute form which I did towards the end of the month and mailed to TD. On XX/XX/2023 TD sent me a mail saying that the current information being reported to the credit bureaus was correct, but it was not. On my account I can see my first 3 bills and the apartment number was not there and no mail was delivered until XXXX, when the address was corrected by me calling. 
No mail or information was sent to me to pay the bill and it was XXXXXXXX XXXX  and TD 's fault for not putting the correct address. Neither of them followed up through phone or email to fix the address issue. Attached are the months of XXXX, XXXX, and XXXX showing the address didn't have the apartment number. I also attached XXXX showing when the address was correct and when mail reached me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Credit reporting or other personal consumer reports

Experian will show purchases made almost immediately. I paid my XXXX XXXX XXXX on XX/XX/2024. It still shows as unpaid now.
Product: Credit card

Received credit card in the mail I did NOT apply for ( American XXXX XXXX card ) XX/XX/year>
Product: Mortgage

PennyMac is not adhering to default servicing guidelines and is providing me with loan modification terms that have expired. Since COVID hit the US, I have experienced financial hardship with my loan servicer company. I was offered a forbearance and requested loan modification loss mitigation options to bring my loan current. Filled out the information online and did not hear back from the company. Went out of town to assist my XXXX year grandfather with medical issues. Upon my return, I received a soaked loan modification package that had been left in the rain. The terms are not legible and unable to make out the loan information. Please note, this information was not communicated to me by my SPOC which is concerning. When I called PennyMac I was transferred numerous times to unqualified representatives that could not assist me. 

Most important my XXXX XXXX XXXX has not contacted one time throughout this process which does not adhere to CFPB and OCC guidelines. Today, I received another loan modification package with states loan documentation must be notarized and accepted by XX/XX/XXXX, and first payment due XX/XX/XXXX which was 9 days ago. REALLY!! I would like a new loan modification package to be sent to me and first payment due on XX/XX/XXXX. I really don't know if I need loan modification but PennyMac has not provided me with information to explore my loss mitigation options. THIS TREATMENT IS UNFAIR AND DISCRIMINATORY.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, XXXX, and Equifax credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

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

I was sent an alert from my XXXX report for an XXXX XXXX on XX/XX/2024 which is incorrect. I did not apply for an XXXX card, and I did not give permission to run my credit for any inquiries. 

Also, Navy Federal appeared on my XXXX credit report twice. This is also incorrect. I only applied for 1 credit card with Navy Federal in XX/XX/2024. The inquiry from XX/XX/2024 is incorrect on my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX. XXXXXXXX XXXX XXXX, Acct # XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I mailed a letter to the United States Bankruptcy Court Middle District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... .. 
The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to Equifax Inc., XXXX  and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court Middle District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from Equifax, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records Equifax obtained is from local, state and federal courts through a third party vendor, XXXX. I find Equifax explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding Zelle 's 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 CFPB 's 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

on XX/XX/XXXX at XXXX XXXX XXXX was awoken to a call from XXXX XXXX at One Main Financial claiming i owed {$4700.00}. She asked me to divulge my birthday and SSN but I would not comply. I quickly asked her to share the birthday that was onfile XX/XX/XXXX which is not my birthday. I asked her to verify the XXXX she had on file and she could not. I then asked her to spell the last name and she said XXXX. 

XXXX XXXX was deceptive and not forthright or forecoming in her communication in trying to collect a debt. I believe One Main Financial is operating outside of standard business practice and should be investigated. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

XXXX withdrew money from my account today ( XXXX ) $ and on XX/XX/XXXX ( XXXX ) . I called wells Fargo and they only reported my card stolen and that they have to process everything. Its not fair my money was taken away from me and I still have to wait 10 days to even get a response on whether or not I am going to be refunded almost XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX XXXX I took out a loan for the sole purpose of increasing my XXXX XXXX. XXXX XXXX reported that my transunion score was XXXX. I received my loan, and made all payments early and have currently paid back over 80 %. I have 0 derogatory marks on my credit and a payment history on my home loan that is XXXX yrs and paid 78 % of the loan. in XXXX Transunion reduced my score XXXX points to XXXX reported on XXXX XXXX with no explanation why. It is commonly known that a score will drop when getting a new loan but this customarily well known to be similar to 10 points. I only had 1 inquiry, related to this loan, and is the only inquiry on record in many years. I have since paid this loan to over 80 % paid, but have only seen an increase of 7 points. I contacted the company on 2 occasions a few weeks ago for an explanation, even contacted the BBB and filed a complaint. The company response gave no answer as why the large decline and only offered every generic explanation that no one individual could possibly explain why the decline. The BBB closed the case. I might add that during this same time XXXX increased my credit score in XXXX by XXXX points with no decline. By taking out a loan to improve my score, Transunion has reduced my score by XXXX points bringing me from a good rating to a mid fair rating.
Product: Money transfer, virtual currency, or money service

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

I contacted TransUnion to request select Hard Inquiries be removed because I did not authorize them. They advised they cant remove them. 

Only These listed below Hard Inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. I do not know who this person is but I didnt give anyone permission to run my credit report or open any accounts.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel and know that I was negatively impacted, due to my sex and race. As a XXXX XXXX XXXX XXXX This is hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ' which they were not done appropriately. These errors on my credit were not appropriately investigated with supporting evidence, unfair practices, and improper insurgent of deleted account clear results of violation. I would like for all incorrect account that have been disputed to be deleted from my credit report. I was on fairly discriminated against.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to ensure that a consumer reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. 
My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. 
False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. 
Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures