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

To close the complaint recapture of 12 U.S.C. Section 92a certification recalls to credit reporting, separation of powers clause the illicit exporting excise exempt personal property certificate assessments Financial Statements 10-K periods in rudimentary analysis to 7 C.F.R. Part 3052, third parties 12 U.S.C. Section 1832c instrument withdrawal applications, the export auditing identifiers fees due concerning 18 U.S.C. Section 2314 owner exempt tax stamps affected 18 U.S.C. Section 661 Federal Reserve Banking laundering ; the scope unchanged as to third parties sanctions preventive measures against securities underwriting, these transactions, the sales of original issues Customer Name XXXX XXXX. The revised " Prospectus 10-K Financial Statements '' appropriation separate applicants review of the interstate export in-bond destination hold port discrepancy identifiers, ( Identity theft 18 U.S.C. Section 1028A ), procedures for duties 19 C.F.R. Part 24.1, in description of third parties withdrawals, 19 C.F.R. Part 18-19, 12 U.S.C. Section 1821d contractors or employees, personam requirements auditee 's book-entries, ( IRS-TreasuryDirect ) and DCOTR Names, Addresses, Titles, SSN 's, EIN 's, Excise Tax Stamp Rate Uses, Banks-FRB 's, Contractor 's, Currency Withdrawals ' of, Original Issue State, Original Issue Auditors, Original Issue Treasurer 's, Original Issue DOR, Original Issue IRS. Separated Appropriation duties payment, Export Applicant 's Auditors In bond changes 18 U.S.C. Section 554, customs duties, taxes, fees, interests, and other charges requiring the use of a social security numbers, passport numbers, or driver 's license numbers, Export Applicant 's Auditors States, Third Party Applicant 's conspiracy in connection to Bank-FRB 22 U.S.C. Section 2778, Third Party Jurisdiction and Classification Determination, to extent of state jurisdiction sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

605A-15 U.S.C. 1681c-1 VIOLATION FRAUD ALERTS-Correct identity information and phone number for fraud alert request denied and ignored.
Product: Credit card or prepaid card

I just got an email about my credit score significantly dropping, I havent checked my credit score in awhile since I purchased my car a little over a year ago, and before my credit score was at XXXX. As of now it is currently XXXX and that is because 2 credit cards were opened up in my name. One was an XXXX card, one was a chase card. The XXXX  card is currently at XXXX $ charged and the chase bank account is at XXXX XXXX I have not contacted either entity yet because its XXXX oclock at night and theyre closed currently. I am XXXX and am not exactly sure what to do from here or who to contact besides both banks. Im always on time paying towards both my XXXX  XXXX credit cards. I dont own any other credit cards besides those two.
Product: Debt collection

Phoenix Collection agency reported several collections on my credit from one hospital visit. I had and still have medical coverage. I was never informed that Phoenix had this account nor that they were reporting anything on my credit. I sent a request for them to validate these accounts and they just ignored my requests, but they continue to report the erroneous accounts on my credit
Product: Credit card or prepaid card

Friday XX/XX/2022 I received a bill from my XXXX credit card. I viewed the bill and it had 1 charge for XXXX dollars that I did not make. I notified them immediately there was a fraudulent charge on my account. They told me I was required to pay the bill or I would be assessed a late fee. The only thing on that statement was the fraudulent charge and they are requiring payment or I will be assessed a late fee. They also did not even cancel the card and provide a new card with a new number they just left me with the old card number that had fraudulent charges on it. I chose to cancel the card and not do business with XXXX again.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on credit for XXXX, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX, appears on credit as XXXX  XXXX XXXX XXXX N incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, Discover, Discover Financial Services, Discover Bank, Discover FIN SVCS LLC, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX and XXXX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over XXXX years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. 

XXXXXXXX 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 They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Mr. Cooper, formerly known as Nationstar, just notified me today XX/XX/2023 via a USPS mailed letter that they are transferring my mortgage loan to another servicer, effective XX/XX/2023. That currently leaves me with less than 8 days to address this change. 

Mr. Cooper 's letter notes that " the law requires that your present servicer send you this notice at least 15 days before the effective date of transfer ... '' Clearly, that amount of time has not been provided. 

The slow USPS delivery has been public knowledge for several years now and leaving the customer to scramble to address this change with less than the law allowed allotted time is unacceptable.
Product: Mortgage

This is XXXX XXXX, Formerly of XXXX XXXX XXXX XXXX MD XXXX We have made PHH/ Ocwen aware of the mortgage servicing law of 2013 on first and second mortgage on the same home.

Simply if the first mortgage is modified the second is mandatory. This did not happen with us and we spent four years trying to fix the issue.

I have contacted Ocwen with no response. Their attorney responds with the questions are untimely what does this mean?

I have contacted Ocwen and their attorney to start contacting me my phone as my cognitive reclinds with to many hours on a computer screen.

I have XXXX XXXX  and under the ADA act I would prefer phone contact.

I have phoned and texted the attorney for Ocwen and had no response.

If they do intend to contact me a simple response would help.

Disregard my complaint if this is a simple oversight from the attorney. 

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

On XX/XX/2021 I contacted Experian by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

XXXXMade a XXXX  online ck deposit to Citizens Bank with a personal check from my XXXX XXXX XXXX XXXX XXXX -message read it could take 24 hours for funds to be available. XXXX-I checked my Credit Union and saw funds had already been taken from my account, I checked fund availability at Citizens Bank & saw 2 amounts on hold XXXX XXXX XXXX  with an " available '' balance of XXXX XX/XX/XXXX, I check fund availability again at Citizens Bank, as it would now be 48 hours since I made the deposit & still those 2 amounts remain on hold with the same available balance which was more than enough to clear the XXXX transaction. I called Citizens Bank C/S-was told it was the XXXX XXXX who placed a hold until XX/XX/XXXX and couldn't advise why the {$16.00} transaction was on hold. Checked with the XXXX XXXX who advised they had released ALL funds XX/XX/XXXX. 
I then went to the XXXX XXXX XXXX XXXX called the " back office '' as neither she nor her manage saw a reason for the hold of the check or the smaller amount being on hold. The back office stated it was fraud prevention and they couldn't do anything about it. I see it as the bank making money with my money while placing me in financial strain as now I can't pay my mortgage on time and icing on the cake... will have to pay a $ XXXX late fee. I withdrew my available balance and am planning on closing the account as soon as they decide to release my funds. Are they racially profiling bank accounts now too based on non-American names? Are Latinos/minorities not allowed to handle over certain amount of money in order to not be flagged as fraud? I deposited MY personal check from one banking institution to another so why was it flagged as fraud? Why did they 1st place the blame on the XXXX XXXX and why are they holding a less than XXXX} transaction when {XXXX are available? I ended up withdrawing the XXXX and preparing to close it out once my check/monies are no longer held XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.
Product: Mortgage

Today I was contacted by XXXX XXXX from the subsidiary company Wells Fargo hired out to cheat victims of WF criminal schemes. During this call he indicated he was mad that I had filed with the CFPB. He again refused to allow me to provide evidence of the illegal and abusive actions of WF. He stated repeatedly that he would decide and it was clear his animosity would result in no reparations in spite of the rightfulness of my claim. He was dismissive, rude, uncaring and abusive and indicated I am a liar. He refused to listen or discuss my case. It is very clear he is only marshaling facts to support denial of rightful restitution to my family. 

I am formally requesting that WF get a unbiased decision maker who is not abusive, not smug pedantic, patronizing or grossly biased. 

I further am complaining that WF are the ADMITTED bad actors AND YET THEY ARE IN CONTROL AND CONTINUING THEIR UNETHICAL BUSINESS AS USUAL ignore, abuse, steal from their own clients, I want an unbiased person who is not abusive, who cares and as XXXX XXXX promised will make whole all us victims. 

He also screamed at me when he thought I might be recording him. He stated only he could record me. He is wrong. But he was very concerned there would be a record of his unethical treatment of me. Further, he only ever called me he admitted because of my complaint, This is a new concern given XXXX 's demonstrated biased and abusive behavior, he has demonstrated personal amimus against me personally, refuses to allow me ANY input or to testify or present evidence ( that I have in audio and emails TO WF agents ) has essentially called me a liar, screamed at me for filing a complaint, lied about who he works for, and stated he made final decision already but couldnt " tell me ''. I again begged to have input with the recordings, emails and previous CFPB detailed complaints I made at the time proving illegal dual trackingand other egregious abuses, XXXX XXXX clearly only has ine objective ; to deny as many reparation claims as possible and he marshals or creates anything to support this conclusion. Otherwise he would be happy to accept and utilize my testimony and proof.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXX of 2022, I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX, 2022. She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/XXXX  and Last date of Transaction XX/XX/. The total amount of money deposited was $ XXXXShe then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX
Product: Credit reporting

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Product: Student loan

I 've been having on going problems with naviet ( formely XXXX ) my loan was originally taken out XX/XX/2010 when I went to XXXX and I have been making steady payments.the principle never seems to go down.im single taking care of my sick father providing for a house.they have puts marks on my credit report, which have hurt my credit.I always ask to see records on how much I have paid and they cant ever really give me a current balance.very bad experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/XX/2017    FED LOAN was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED LOAN never responded to my letter. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017 and t he balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/2017   F ED LOAN jumped the loan amount back to {$50000.00}.
Product: Credit reporting or other personal consumer reports

My report still reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my XXXX credit scores. Documentation from XXXX and Equifax confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX  : {$3100.00} : Fraud Open : XX/XX/XXXX XXXX XXXX : {$4000.00} : Fraud Open Date : XX/XX/XXXX XXXXXXXX XXXX  : {$5800.00} : Fraud Open : XX/XX/XXXX XXXX XXXX XXXX : {$5300.00} : Fraud Open Date : XX/XX/XXXX XXXX XXXX  : {$55.00} : Fraud Open Date : XX/XX/XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Experian dispute a duplicate account with XXXX XXXX XXXX 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me Experian do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.