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

I m disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

I got a homedepot consumer credit card and never made a purchase. On XX/XX/XXXX someone charge the card for over XXXX dollars of stuff and I was not aware of it so only took notice when my statement balance was over XXXX dollars in XXXX. I filed a dispute as soon as i was aware and it was with 30 days also I filed a police report with the XXXX police department. Citi found me responsible without asking any questions of me. I called XXXX times filed supporting documents and had been told some named XXXX manually entered my card in store. I find this incompetent and it is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and transunion. Under XXXX  my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXXcard shows as good credit and is revalving credit until XX/XX/XXXX so i tried calling 3 times, to XXXX and in past tried callong transunion and XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up
Product: Bank account or service

I had an account with CHASE Bank, however they rejected a direct deposit from my employer and stated that I " owed money '' from a dispute when my card was stolen, they NOT only rejected the direct deposit, and caused additional fees for me, BUT REJECTED the direct deposit and CLOSED my accounts without any notice - THIS is NOT right and caused over XXXX in fees and charges that I did NOT do! ontop of causing me not to get my paycheck!
Product: Checking or savings account

The business banking checking account that I had opened with HSBC Bank in XXXX was closed without any notice from the bank in XX/XX/XXXX. 

I had received a letter from the bank dated XX/XX/XXXX stating that the bank was asking for information about all business banking accounts to help curb financial crime. The letter mentioned that I needed to respond by XX/XX/XXXX. I called the bank XX/XX/XXXX and answered their questions over the phone. I spoke with a woman named XXXX at XXXX, ext. XXXX. She asked about documentation that had been originally submitted when the account was opened in XXXX. I told her I was not sure if I still had it, but that the bank must have it because they opened the account. The call concluded with an assurance that I would be contacted if further information was required, or the documents could not be located. 

I did not hear from the bank again until they closed the account. A letter was sent via XXXX which I received on XX/XX/XXXX, stating that the account had been closed and a check for the money on deposit was included. I called the bank and spoke with a branch representative assigned to my account, XXXX XXXX XXXX, XXXX. He told me that the account could not be reinstated. He also told me that HSBC was in the process of selling its retail branches to XXXXXXXX XXXX. 

This was very unsettling as I was suddenly unable to pay my XXXX XXXX business card from the business banking account and now, I must immediately find another bank to provide business checking services. If the bank had clearly communicated to me that they were not going to keep the account open without the documents that were given to them when the account was originally opened in XXXX, I would have had time to plan and prepare for the account closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Chapter XXXX Bankruptcy through a letter to TransUnion ( TU ) dated XX/XX/XXXX. I received a letter from TU dated XX/XX/XXXX, which discusses their investigation procedure for public records. They said in their procedures they will either make changes to my credit report with the information I provide or they will investigate the dispute by contacting the source of the information. In this case, the source of this information is the Indiana Federal Court-XXXX. 

I received the investigation results from my dispute with TransUnion dated XX/XX/XXXX. The bankruptcy record on my report is " updated, '' according to TransUnion. They failed to remove this Chapter XXXX Bankruptcy from my report. 

I previously sent a letter to the Indiana Federal Court-XXXX, asking how they verify information with the credit bureaus. They state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' Also, I have have completed security freezes with XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). 

All documentations are attached to this complaint.
Product: Mortgage

Over the past several years they have misapplied payments and not taken escrow payments correctly leading to incorrect reports on my credit and wildly changing mortgage amounts. I have frequently tried to address the problem with long phone calls but nobody seems to be able to correct the problem. Requests for documents go to a secure online folder which you don't get an invitation for until after the document has expired. I get wildly disparate statements on the same day.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 are infeasible. 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 rises serious concerns about consumer safety.
Product: Checking or savings account

My info was compromised and over XXXX was spent out of my account. I closed the card filed a fraud claim and was given temporary credit. Then also the temporary credit was refunded due to the investigation being denied and closed and I appealed the denial and was denied again. I also had a payment disputed by a team member of navy federal that wasnt supposed to Be and the loan company sent the money back. The funds were never located untill after the account was now negative due to the previous dispute temporary credit being reversed
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

Received yesterday in the mail XXXX separate statements for my Macys American Express card that I have held since XX/XX/XXXX. I have autopay setup for this card and have been making regular payments on it but I was completely unaware that when you make an IN STORE purchase at Macys with this same Amex card with the Macys logo your purchases get charged to a separate credit account with separate billing, credit terms and due dates. Until yesterday I had never received this separate statement for a {$32.00} purchase made XX/XX/XXXX. The late fees that they are charging me are $ XXXX/month for 3 months and after several phone calls they are unwilling to waive. I am good customer and have in good faith been making payments on my MACYs Amex card which I assumed was where my in store purchase was charged to. I feel that by separating the " In Store '' vs " Out of Store '' on to XXXX XXXX separate credit accounts is deceptive and misleading. I never meant to not make a payment for my XX/XX/XXXX in store purchase I thought I was paying properly on my XXXX card account. Customer service is claiming that since the separate Macys statements did not get returned to them in the mail that I received them and should be aware of the XXXX separate bills. I rarely use this card this was probably my first in store purchase in over a year but I have been a good customer since XX/XX/XXXX and feel very wronged and that Macys was very unsympathetic and unwilling to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collections account on my credit reports from : PHOENIX FINANCIAL SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX XXXX. I have never used a service from anyone associated with the alleged creditors. The amount listed is {$2000.00}. I do not owe anyone {$2000.00}. I have not received any correspondence relating to such a debt and would request any documentation with my signature from XXXX XXXX XXXX XXXX XXXX relating to the alleged {$2000.00} debt, otherwise, I wish for this debt to be removed from my credit report.
Product: Debt collection

XXXX, XXXX and XXXX secured a default judgment against me for a debt that I do not actually owe. It did so by going to another jurisdiction, that apparently did not require any proof that this debt was owed by me. XXXX, XXXX and XXXX was retained by Huntington Bank to collect on a home loan that was in foreclosure. I did not owe on the mortgage, rather my husband signed a lease to rent the property. The owner of the property went into bankruptcy, therefore no funds could be collected from him. Therefore, the firm XXXX, XXXX and XXXX sued my husband, and obtained a default judgment against him, as he had entered into an agreement to lease the property, however, I did not enter into any agreement to lease the property. 

A judgment was entered against my husband, on XX/XX/XXXX. Yet on XX/XX/XXXX a certificate of judgment was entered against both me and my husband, while the initial judgment was not. How did this happen? It seems that the firm XXXX, XXXX and XXXX simply added my name to the judgment, I guess, because the debt was owed by my spouse. Prior to that, the firm had been illegally garnishing my wages, all based on the debt of my husband. 

In XXXX of XXXX, I entered into a settlement agreement with the firm, agreeing to pay {$3500.00} to settle the debt. I have paid that amount, several times over. I have in fact, paid nearly {$10000.00} toward this debt that I do not owe. 

When I attempted to make settlement payments, the firm repeatedly breached the settlement agreement by continuing to garnish my wages, and refusing my monthly payments in order to trigger a breach of the settlement agreement and initiate the default judgment in its entirety. 

This debt collector has acted in bad faith in so manny different ways, beginning with the initial law suit. This is an attempt to collect on a foreclosed property, which neither I nor my husband owned or have any financial liability for, but because the owner of the property filed for bankruptcy, this debt collector has viciously pursued collection against me, who has absolutely no legal or financial connection to the property. I have already paid {$10000.00} on a debt that I did not owe. I want the firm to cease and desist from any further attempts to collect anything on this debt, which, again, I do not owe and never owed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The following personal information is still incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Any previous addresses are undeliverable and I have no access to them. Please remove any other addresses that remain immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XX/XX/2020 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. 
At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. 
{$500.00} is the stated amount per month. The overage I send covers insurance only. 
They state that they will not accept partial payments ... they will not accept XXXX per month. 
What can I do? I have no savings?
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an incorrect address that does not belong to me and has never belonged to me. They are also reporting an incorrect place of employment that I have never been employed by. I do not reside or do business at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never worked for XXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX XXXX Dollars per violation and they are violating my rights twice.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THEY DO NOT HAVE MY WRITTEN CONSENT. 

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

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. Experian is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  : Account XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.