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

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX  ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX   {$16000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. 

The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for XXXX months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. 

I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. 

I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. 

Sincerely, XXXX XXXX
Product: Student loan

Complaint on scam XXXX XXXX XXXX asks for my SSN over the phone and personal information about my last year tax return. He also ask about how much I make a month and lot of personal income information. He stated he needed this information to see how much I owe to Federal Student Loan. I 'm worry because I gave my SSN and some of my personal information over the phone. I tried to look this company up under XXXX and nothing is coming up. XXXX XXXX stated they were legit. I copy some information from the email I was sent from XXXX XXXX, which is provided below their address to this so called company and the name. He stated they help with Student loan and to get People down to no payments or low payments and he also requested for me to attach income documents to email. XXXX XXXX phone number should up as a XXXX phone number but he stated he was located in XXXX and gave me a XXXX contact number which is provided below. I provided the company information below : The Student Loan Relief Department Contact us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX direct line XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to have the fraudulent inquiries on my account removed and they will not remove these inquiries. The representatives keep telling me to speak directly with the companies, however, the companies keep telling me to call Transunion. The companies are XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX, I saw a lot of pre approvals on credit karma.At first I didn't pay it no attention, but credit karma kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans, and that I can refinance my car.every day I would see different offers everytime I would log in, to check my credit scores, so after a few months of being told that i was pre approved I thought I was now in the perfect place to apply.I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for.So I finally applied on or around sometime in XXXX and I got denied for.2 credit cards and a personal loan.i was distraught, I was very angry and i felt deicieved I was marketed to for months.credit karma told me that I was pre approved.This was a lie.I would severely stressed out.I was nauseous for weeks, I had headaches so bad I became anti social my XXXX went from 0 to 100.now everytime I see pre approvals I immediately close my phone and shut my computer off.This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXX XXXX**** account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my identity was stolen to opened up a credit card account with XXXX XXXX XXXX. At the time of this opening I was XXXX  and was not relieved until XX/XX/XXXX which makes it impossible for the account to belong to me. Please remove account from my credit report thank you.
Product: Mortgage

Dear CFPB representative, I paid my mortgage on time as well as my own taxes and insurance without the need for an escrow account per my Mortgage and Note but wound up defending myself against foreclosure threatened by Ocwen Loan Servicing for a mistake that Ocwen made that was reflective of Ocwen 's inability to effectively and lawfully service my mortgage. All of the documentation is attached both from my end as well as Ocwen 's response to the apparent escrow fraud that was and still is occurring. 

In XXXX 2014, Ocwen accidentally paid approximately {$70000.00} to my county for my property taxes that had already been paid on time by me as evidenced by the attached, which was clearly a mistake and any Ocwen representative should have recognized that huge amount immediately charged against XXXX person 's mortgage account. Nonetheless, Ocwen DID NOT recognize it but rather opened an escrow account for my loan due to erroneous delinquent taxes ; Ocwen paid the taxes for every apartment in my building but only from my sole mortgage account. 

This seemed absurd so I called Ocwen to report the mistake, which Ocwen finally acknowledged in writing ( see attached ) but then repeated their erroneous actions over and over, again and again - believe it or not - until I had to hire outside assistance to help me rectify the issue because Ocwen was now threatening me with foreclosure. Really? How could Ocwen threaten foreclosure on me when all payments were paid on time and the mistakes made were all Ocwen 's by their own admission ... this was crazy! 

The assistance that I hired - and would like for Ocwen to reimburse me for since they refused to correct their mistake for 10 months and counting without the help - was able to get Ocwen to once again close the escrow account in the past 30 days but Ocwen still held out over {$200.00} in payments in an " escrow suspense '' account for no reason other than for fraudulent reasons since I do not and have never had an escrow account. 

I have spent almost a year trying to fix Ocwen 's mistake and I would like Ocwen to be held accountable for the unfair and abusive mortgage servicing practices ( threatening foreclosure for their mistake then not correcting it for almost a year ). Also, I would like to be reimbursed for all expenses and fees paid by me to correct Ocwen 's mistake to include the hired help and other associated fees since Ocwen makes me pay their fees for their fraudulent and erroneous actions ; in fact, I 'd like any and all fees associated with their mistakes for the past year to be reimbursed and reconciled in my favor. 

It is inexcusable that I would have to defend my home from Ocwen 's threat of foreclosure when I have remained XXXX in compliance with my Mortgage and Note ; their actions are fraudulent, unfair, abusive, violating and most of all egregious and abhorrent. Ocwen should be made to pay for the stress they have caused me too. 

Thank you in advance for your time and help with this matter and please see the attached that validates all of the aforementioned. 

Sincerely, XXXX 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 INACCURATE INFORMATION 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 INACCURATE INFORMATION deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX.
Product: Credit card

On XXXX of 2023 I called Macys credit card customer service because My account was frozen due to card replacement and I made a phone call to unfreeze it so I can make the payment but they took a long time to do this therefore the payment period expired and they reported a late payment in my account, balance on account was {$260.00} and minimum payment of around {$29.00}. Once account was un-frozen I resumed making payments but the merchant refuses to accept their mistake and remove late payment.
Product: Debt collection

XX/XX/XXXX - XXXX XXXX  XXXX - {$1000.00} All other bureaus have processed my request with the exception of Equifax. Equifax continues to ignore my request to remove this account after informing them of the identity theft case. I have sent request month after month with documentation and they still continue to not honor my request. I do have the documentation where XXXX has removed the account from my report on XX/XX/XXXX but Equifax still continues not to do this. This account is not my account and it was removed from all the others. I have attached a copy of my equifax report that shows under collections the account, I have also attached the letter from XXXX with the date attached to show it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.When my card was opened I was not aware of having the card and never used it, therefore Discover open my card fraudulently without my consent which is my privacy violation by Discover. I have never signed any single payment receipt and was not even aware of that account existence.

2. My card was used to pay for the services without my consent. My card was used to dispute payment for service without my consent since per Discover Terms and Conditions Discover will protect poor services. Please view attached Discover Terms and Conditions.

3. In violation with Discover Terms and Conditions Discover did not protect me, never contacted me to verify if I opened the card.

4. Discover placed adverse derogatory write of to my credit report which is fraudulent.

5. I have contacted Discover many times with no avail.
Product: Credit reporting or other personal consumer reports

Recently I disputed a factual error being permitted to be listed on my Consumer credit reports. I have disputed the factual errors Mutiple times in an attempt to get them corrected and or removed due to their lack of investigation, and lack of transparency. Attached you will see a copy of my most recent credit report with the factual errors highlighted. Whether it's the information providing company, or the Credit reporting agency failing to correct, and or purposely permitting inaccurate and incomplete data on my consumer credit report, it is harming my financial status.

A debt buyer has been furnishing unverified, inaccurate, and incomplete data across all 3 of my Comsumer credit reports, which all 3 lists different information from one another. Each time its disputed, A small portion of information is " Updated '' with additional incorrect factual data in an attempt to rid the dispute and its validity. As you see attached, a debt buyer is listing a " TERM '' which by definition is an agreed upon time limit between the data furnisher and the consumer to pay back whatever they are claiming is the alleged debt. I have not agreed to ANYTHING, and this is INACCURATE as shown and being listed. Experian FAILED TO INVESTIGATE THE MULTIPLE DISPUTED ITEMS AND CORRECT OR DELETE THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACT XXXX BY PHONE TO INFORM THEM ABOUT ABOUT THERE WAS SOME INQUIRY ON MY CREDIT REPORT THAT I DIDNT AUTHORIZED. I THEN CONTACT THE CREDITOR ABOUT AND I COULDNT GET THROUGH ON THE PHONE. I SENT LETTERS TO THESE CREDITOR ABOUT AND NOTHING. I NEVER AUTHORIZED ONE MAIN FINANCIAL ON XX/XX/ 2019 TO RUN MY CREDIT. I DIDNT NOT SIGN AND DOCUMENTS WITH MY NAME ON IT. XXXX XXXX XXXX XXXX WHICH WAS XX/XX/ 2019 I DIDNT AUTHORIZE THEM TO RUN MY CREDIT REPORT AT ALL. TO XXXX ONE MAIN FINANCIAL AND XXXX XXXX XXXX XXXX THIS IS TO CEASE YOUR AUTHORIZATION ON MY CREDIT REPORT. TO MY KNOWLEDGE I HAVE NOT SIGN ANY DOCUMENTS AUTHORIZING YOUR ORGANIZATION TO VIEW MY CREDIT HISTORY THEREFORE YOUR INQUIRES INTO MY CREDIT REPORT VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 1681B I REQUESTED THIS TO BE REMOVED OFF OF MY CREDIT REPORT IMMEDIATELLY
Product: Debt collection

I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.
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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

A US bank prepaid card with {$100.00} was under my name by someone I know. They used my name and my personal information to get this card. i did not consent or know anything about this until i got mail with my name on it about this card. the card doesnt expire until XX/XX/23. and the person hasnt used it yet cause they didnt know i have the mail about this card. i have never used a debit/credit card in my life. this person already has me in a lot of debt, i dont want to deal with more of this type of stuff.
Product: Student loan

I was paying my student loans off and during the breach someone mustve stole my identity and took the money.
Product: Checking or savings account

I got a letter from the social security stating that I owed money because they overpaid me they sent me papers on why I was overpaid it was said that I had a savings account with Wells Fargo that I never reported those wages I contacted Wells Fargo asking them for information when how why was the savings account open in my name they had no answers for me stating that they didn't have records of the information since it had closed the account several years ago I contacted them again telling them that I needed some record so I could prove to social security that it wasn't me again they told me to file the identity fraud report I did the police getting back to report stating they had no information on whether there was a prime or not now the social security is trying to make you pay them {$22000.00} but obviously I do not have if you could please look into it I need this investigated thank you so much
Product: Money transfer, virtual currency, or money service

My tenant paid me on XXXX XXXX  via Zelle money transfer. I was supposed to get it that day but either Zelle or my tenants bank, I believe, XXXX XXXX has not transferred the money until today, XXXX XXXX XXXX XXXX XXXX XXXX 
I have called my bank, XXXX XXXX, and they said they had no control over Zelle or knowledge about transfer and that my banking side is good. My tenant called her bank, I believe, XXXX XXXX, and they said to call Zelle. 
Calling Zelle does not connect you as the prompt does not connect but suggests to contact a bank with whom one used Zelle. 

My fear is that they use similar practices for many customers with minimum oversight and people maybe afraid to complain. I am not a criminal or fraud, my tenant has been using them as an established client and transferring money using same Zelle transfer services for a long time. 

Is there anyway to put a stop to it? I understand that they can say security measures were in place and holidays did not help but should it not be the case for established consumers that sent money to each other for quite sometime? Please assist and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my account that I didnt authorize and is fraud XX/XX/2020 tried to get them to remove them.
Product: Debt collection

They claimed that a loan was taken out in my name and social security number. The alleged debt was from 2012. I disputed this as not my debt. When I requested that they mail to me documentation on the validity of the debt, they said that they already did. They had an old address. When I offered to give them my current address, they still refused saying that they will take us to court. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX Customer Service. This is the company Equifax has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
Product: Checking or savings account

After work one night I went to a local ATM to deposit money. I deposited almost {$500.00} in the ATM. A sign appeared on the screen stating that the transaction could not take place but my money was never returned. I filed a claim with Chase. The claim came back unfounded and they said they could not locate the funds. I asked who investigated and when to which they could not answer. While going over the details they realized they made the claim for the wrong ATM. So they opened a new claim. This one also came back unfounded and they stated again they could not find the funds could not tell me who investigated when they investigated or how they investigate. During the claim process they gave me a loaner amount of {$500.00} while they investigate it. When the claim came back unfounded they remove the {$500.00} without warning and it caused massive overdraws on my account. A total of five insufficient funds fees totaling {$35.00} a piece was applied to my account. I asked them to remove these fees as they were inappropriate and it was unfair to charge me these fees when they did no such investigation whatsoever. I have tried multiple times to find out how they investigate when where and who investigates with zero answers being given to me.
Product: Payday loan, title loan, or personal loan

I initially took out the Title loan on XX/XX/2018. I was lied to about the fees, the amount to be paid monthly, and the payoff process. I thought I was getting a 6 to 12 month loan. NOT A 30 DAY LOAN!! THEY FLAT OUT DECEIVED ME. DECEPTIVE TRADE PRACTICES FROM START TO FINISH.