23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were contacted via mail and phone that we had failed to pay our XXXX 2015 mortgage payment. We advised that we had made said payment and faxed a copy of our bank activity print out to confirm that the payment had been sent, received and deposited. A few days later we were contacted again demanding payment and they had no record of a fax being received. We were told to contact another party to handle the missing payment and fax. When asked to be transferred to her desk/office ; we were told that she as unavailable and to leave a message. As of this date our messages have not been returned. Again we were contacted via phone and sent correspondence of our failure to pay XXXX 's payment. Again we advised that our payment had been sent electronically and we had our bank statement to verify same. We were given a address to mail the copies of our bank statement ; to which we complied. Again we were called and contacted via mail that we were in default and we had failed to make our payment. We advised that we had not only mailed a copy of the electronic check but had mailed a copy of our bank statement verifying that the payment had been made and received. 
On XXXX, we received a packet requesting that we fill out for third party authorization and assistance on our loan per our request for same. At no time have we made such a request. We have had nothing but trouble with this company since our loan/mortgage was sold. We have never failed to make our mortgage payment to Carrington or to XXXX and to have our mortgage sold to a what is nothing more than a collection agency that has numerous complaints for its deceptive practices is alarming. 
In addition, Carrington failed to pay out property taxes but insisted that they had ; it took 2 months to resolve this issue before the taxes were paid with a penalty. 
This company has sent written notice of its intent to pursue other action and to report this as a negative on our credit report. 
It should also be noted that our bank has also sent documentation/verification to Carrington that the payment was sent, received and deposited. 
After filing a complaint with BBB, we received written notice of intent to foreclose on our home. The correspondence stated again that we had failed to pay XX/XX/XXXX payment. Today we received documentation advising us of our rights under the Servicemembers Civil Relief Act. When will this nightmare end! We have done everything that has been asked and provided documentation that our payment was made. I want credit for my payment, removal of all late fees and charges and all if any negative information sent to any credit bureau be retracted/removed immediately. 

Based on this company 's history ; it should be investigated by the Attorney Generals Office, Federal Reserve, Federal Trade Commission and the FBI. We intend to file a complaint with each agency and legal litigation unless this is resolved
Product: Debt collection

REF XXXX I reject your offer to contract XXXX have not given my lawful authority to any Non affiliated third party being in possession of my nonpublic personal information.this is a notice to cease and desist all communications resulting from this alleged debt XXXX am not requesting validation from any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit .the collections of this extension of credit would be a violation of the false claims Act. I have reasonable cause to believe that United collection Bureau Inc and XXXX XXXX XXXX XXXX XXXX  XXXX ) and XXXX CREDIT CARD and XXXX XXXX .have all conspired to collect on this extension of credit through unlawful extortionate means.if there is any attempt to engage in any further collection activities on the extension of credit such as the furnishing of false credit information to the credit reporting agency XXXX will file suit for intentional infliction of emotional distress.
Product: Student loan

In XXXX, I received notification my loan would be transferring from XXXX to Aidvantage and nothing would change in my terms, payment, etc. When I received notification from Aidvantage welcoming me XX/XX/XXXX, 5 days later I received an email saying there had been a change in my loan terms, XX/XX/XXXX - my payment going up from {$75.00} to {$96.00}. I immediately reached out advising this issue and was told everything was still be sorted out and it should revert to my original terms. 

I tried to confirm again in XXXX and was advised the same thing. My payment is now showing late, because it has not changed, and I am not paying the incorrect amount. They are advising there is nothing they can do, that it's still under the same " plan '', but yes they did change the payment amount so it would be paid off under the same terms? That makes no sense to me? That is not the same terms then? 

I am not getting satisfactory assistance and need to resolve this ASAP as they are advising there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX BANK XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS LISTED ABOVE VIOLATED MY RIGHTS LISTED BELOW 15 USC 1681 section 6028 states I have a right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which ante dates the report by more than seven years 15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnace any information related to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate 15 USC 6802 No financial institution is not supposed to share my information to third-party people
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} INQUIRIES : XXXX  XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXXXXXX XXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

There is an account on my Equifax account that equifax keeps changing, and deleting the account and then adding it back on and changing it again. 
Account Name ( s ) XXXX XXXX XXXX and XXXX XXXX. Account XXXX XXXXXXXX, also duplicates with similar numbers and letters. It shows amount past due of {$1000.00} but charged off {$870.00}. 
It seems to be last active XX/XX/XXXX but it was closed XX/XX/XXXX. The payment structure on the account is very conflicting and does not make sense. Plus it was in the FTC report as fraudulent account. Equifax has not complied with FCRA with this account. 
Equifax does not list this account as disputed and has ample time to either fix or delete the account, it has been over 100 days to do this. This account should be removed from my Equifax consumer report as requested. It is violating my rights as a consumer and violating my privacy rights.
Product: Student loan

I XXXX  from XXXX XXXX XXXX I believe it was in 2008. They since closed all their branches. They made false promises of job placement that never happened. I just recently found out they were involved in a class action law suits where many loans where forgiven. Is too late for me to file the lawsuit. This XXXX  was a total scam. I was preyed on as a XXXX XXXX XXXX XXXX XXXX. Now I am stuck with XXXX of student loan for a XXXX  that was useless since the XXXX  closed and I can not transfer my credits anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX sent me a letter claiming I owed them {$270.00}. They have also been calling according to my wife, I've never heard of this company whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple hard inquiries from different companies pulled that I did not authorize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX
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 affective 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 funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial los, and I seek the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Transunion refuses to investigate even after I have done my part as the consumer.
Product: Checking or savings account

XXXX I had a SunTrust bank account opened up I went inside the branch and I spoke with one of their bankers appethai my sister did not have a bank account and she had to receive some government checks contacts so my question to the bank or was how would I be able to cash my sister 's checks without her being here at the time she was very sick and she was bedridden he assured me that in gave me some forms and showed me if I filled out the forms and a power of attorney that I would be able to deposit my sister 's checks into the account totaling {$10000.00} it was two checks well the checks were sent back when I deposited them the check was sent back to the IRS and my account was closed for fraud and now I'm opened up a business account XXXX for my business and they are closing my account and I'm not able to open the account anywhere due to this fraud on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023 Wells Fargo received validation request letters by me, the consumer, under the authority of The Truth in Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Wells Fargo claims it is owed to them. Wells fargo failed to respond to my letter or provide any evidence of a debt within the 30 days that the TILA and FDCPA allows. This alleged debt must be fraud for the creditor has not answered any of my questions. see attached letters mailed to wells fargo.
Product: Checking or savings account

My Bank account with Bmo Harris Banking Had Fraudulent and suspicious activities Since XX/XX/2021. I was going to use my bank card and it said declined as i opened my bmo app on my cell phone I noticed that i could not do anything with my account and saw the fraudulent activity. i went to the branch and spoke with the banker and i was advised to go make a police report that the Fraud investigator was not in the office at the time and had to wait to be contacted by banker that was speaking with the fraud department. I honestly don't know why the bank if they noticed the suspicious activities, they didn't automatically contact me and spoke with me about the situation and also why they didn't put a freeze and a and suspension on the account. around the beginning of XXXX I was called back from the banker explaining to me taht XXXX XXXX from the fraud department said that nothing couldn't be done to help me out on my situation and that my bank account was getting closed and that I was going to be held liable for the fraudulent activities on my account and had to pay {$3000.00} at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current situation regarding the security breach with Equifax is unacceptable, and proves rampant incompetence on their part. Equifax mishandled my personal and private credit information, and blatantly refused to protect the information of myself and millions of Americans. Not only this, but I found out via social media, and not by Equifax directly, which I take direct offense to. Per the equifaxsecurity2017.com website I am one of the people 's whose information has been stolen, which I solely blame Equifax for.
Product: Credit reporting or other personal consumer reports

XXXX is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report!

You are hearby put on notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.