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

Account number : XXXX Account name : XXXX XXXX Having reviewed my credit report and found multiple errors, inconsistencies, and inaccuracies on it regarding this account, I have formally entered a dispute with each of the three major credit bureaus as to the accuracy of this account. I was told that it was " valid '' after their investigation without being provided information as to who they spoke to in their investigation, what led them to conclude that it was verified, and what led them to believe it was my account or debt in the first place. 

This collection account is reported as " open '' and also is showing a past-due balance of {$1200.00}. Additionally, XXXX is showing it as OK/Current. 

15 USC 1681e ( b ) states : " 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. '' I have disputed this inaccuracy to no resolve.
Product: Debt collection

Allied Interstate LLC robocalls my number 3 to 5 times per day for the last 6 weeks about 5 year old credit card debt in which they do not own. 

Allied Interstate 's number ( XXXX ) shows up as SPAM on my caller ID and has called nearly 100 times just this month so far! 

I has asked for notification via mail, but have never received one. The FDCPA requires one be sent out within 30 days of contact.
Product: Debt collection

I have a debt collection with XXXX XXXX XXXX mobility. I have never been a customer with XXXX XXXX XXXX before. I have a debt of XXXX with Enhanced Rocovery.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 

SST/XXXX sold my account to XXXX XXXX without my written consent or knowledge. XXXX XXXX deleted this tradeline XX/XX/year> from all three credit reports. However SST/XXXX is still reporting this debt after they sold the debt to XXXX XXXX XXXX This account should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling Trans Union Reporting Agency customer services to let them know i was a victim of there breach inquiry issue that they had. Once I spoke with the customer service person wouldn't take care of it so I'm reaching for more help. So I wanted to remove the inquiries that was listed on my report. 

Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX, Mi XXXX Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Ca XXXX Inquiry XX/XX/2018 XXXX XXXX, Oh XXXX Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Mortgage

Since Fay Servicing took over as our servicer in XXXX, they have charged us Inspection Fees, Other Fees and Charges, and Recoverable Corporate Advancement Fees. Every single month. Sometimes totaling up to {$5000.00}. I have statements since XXXX XXXX. 
Our First Modification in XXXX took 3 times. each time missing paperwork. Never complete. Each time as new agreement with higher mortgage payments and Notice of Trustee Sales put on our Door. While Modification was still in process.

When modification agreement was completed, they put the outstanding payments behind the loan but also charged us as late payments each month. Using our monthly mortgage payments as a partial payment and applying nothing to our mortgage. When asked why they never would respond and suddenly we were in foreclosure for not making mortgage payments even though we were. We obtained a lawyer got out of foreclosure, did a modification they had refused to accept from me by myself, and were past our trial period. Then the same thing happened again. Suddenly the agreement was not final. We were missing a page. The modification payment got raised. Our house is in foreclosure. 
All the while since XXXX, the continues fees and partial payments they charged, have added up tremendously. I have my bank statements and Fay Servicing Payment history and they do not match.
Product: Money transfer, virtual currency, or money service

I Am waiting to formally express my concerns regarding Zelles handling of diputes, particularly in light of the recentar CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The 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 raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never applied to the following places but see all these inquires on my credit report. 
Based on Fair Credit Reporting Act and by law all information on my credit report being accurate I would like to have these removed asap. 

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

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACHIEVE PERSONAL LOANS XXXX Experian XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$400.00} {$400.00} Date Opened : XX/XX/2023 XX/XX/2023 Balance : {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2023 XX/XX/2023 Comments : - Unsecured Fixed rate Date Last Active : XX/XX/2023 XX/XX/2023 Date of Last Payment : XX/XX/2023 XX/XX/2023 Two-Year payment history Month 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 Experian OK OK OK OK OK XXXX OK XXXX OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 




XXXX XXXX XXXX ode XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Mortgage

While I was closing on my house, my real estate agent asked me to wire the closing funds to Bank of America ( {$48000.00} ). She sent me the email with the bank name and accounting and routing number. My agent told me she didnt see the money. I called Bank of America to ask them, they told me they will the funds in a secured account. My bank XXXX XXXX XXXX XXXX advocated on my behalf and Bank of America returned approximately {$18000.00}. I am still trying to find out what happened to the rest of y money. Bank of America will not respond.
Product: Checking or savings account

I have a " spending '' account and a savings account with Chime. I have {$100.00} in the " spending '' account and {$250000.00} in the savings account. I called customer service on XX/XX/2023 to close both accounts and was told it would take 30 days to process my request. Then they slipped in the phase " 30 Business days ''. Nothing happened. I called again on XX/XX/2023 and asked again to close both accounts. I received various emails asking me to confirm my mailing address and the last four digits of my Social Security number. I was told the account would be closed in 5 days and it would take up to 30 days to process my request. I checked my balance this morning and it appears that both accounts are still open. Please help me close both accounts as promptly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX .   XXXX   Transunion received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )  On  XXXX   XXXX ,   XXXX   Transunion received my  2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my Transunion credit report.     They have removed public records, but, the state tax lien was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX  XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report " Dismissed '' bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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.
Product: Credit reporting or other personal consumer reports

TransUnion ( 1 ) XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 1 ) Never applied for a XXXX  XXXX consumer product. XXXX XXXX averred that they sent all 3 major credit bureaus a letter stating that they did not have my personal data archived. I asked for a copy from XXXX XXXX and they did not provide it. However, XXXX removed the inquires from my consumer file. 

( 2 ) I did not apply for a XXXX XXXX XXXX XXXX consumer product. I already had a credit product with them. 

( 3 ) XXXX XXXX XXXX stated they did not have any of my personal data within their archives and that I never applied for credit with them. They refused to give me a letter stating that. TransUnion still refuses to remove the erroneous hard inquiry.
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. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my credit.
Product: Student loan

My student loans are with Fedloan Servicing and I am on track for the Public Service Loan Forgiveness program. I submitted my Employment Certification and application for the PSLF and received a letter indicating my payment counts were updated AND that the waiver has been applied to my account. My most recent counts were updated but the waiver has not been applied to my account. There has been no confirmation that they received my Employment Certification for an employer I had in 2012, that will qualify under the waiver, as well as payments I made under my current employer that should qualify under the waiver. I am very close to reaching the 120 payments for forgiveness. My complaint is primarily about the misleading information on the letter I received from them stating that the waiver has been applied to my account when it clearly has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I am writing you in regards to the recent Equifax hack. I  am very upset and discouraged about the events that has led to the worst hack in US history. My husband and myself were both affected. I feel that the one-year protection plan Equifax is offering is insufficient. Being an XXXX XXXX professional, I know that hacked data is typically sold on the black-market years down the road making a one-year protection plan completely useless. This hack will affect us for the rest of our lives. We will have to continuously be on guard to ensure that no fraudulent accounts are activated using our social security numbers. This also opens us up for tax returns to filed fraudulently so now every year we will have to worry and be on guard. 

This hack is the worst case scenario for most Americans. Unlike all major hacks up to this date, the data stolen from this company, that I never gave my permission to have access to my info, was the most sensitive information that could be used, my social security number. I can not go get a new number, so now I am faced with the constant worry and potential to ruin my credit and have to fight multiple companies to clear my name if it my info is used. The only option I have is to pay money to freeze my credit. That alone is unethical. I never gave permission to any of these companies to have access to my information, yet if I want to freeze my credit I have to pay a fee. 

We should have the option to pick one credit reporting agency that we trust to have access to our data. That way we have some buying power with these agencies. Also, I feel these companies should be ran by the federal government. Why does a non-government agency have access to my sensitive information? If it was a federally ran organization, then better safeguards would have been in play to protect the American people. 

To frame the potential after effects, if you look at the XXXX XXXX hack in 2015, there were claims that user suicides followed the hack. This hack only affected 37 million people and their SSNs were not compromised. 

I feel angry, discouraged, disappointed and now I will forever be in a constant state of worry that my personal info is going to get used and my credit will be ruined. Fraudulent charges on your credit take years to dispute and clean up, potentially preventing me from buying a house, getting student loans for my family, or getting financed for anything at all. This is unacceptable and I look to you, as a leader for the American citizens, to do something to compensate the victims and to change the processes of credit monitoring to prevent a data breach like this from happening again. 

Thank you for your time and appreciate your assistance in getting the victims the help and compensation they need and deserve. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, IL XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY IS ON MY ACCOUNT I DIDNT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT.
Product: Checking or savings account

on or about XX/XX/XXXX there were funds taking out of my checking account and that I spoke to nave federal as to why I made a agreement that the honored for XX/XX/XXXX in which I was read privacy notice .But every time my payment is due the never could honor the agreement .Going forward so on the XXXX of XXXX monies was put back on a XXXX every XXXX someone excess my account .monies was put back into my account only to take out for XXXX payment toward my go rewards credit card on XX/XX/XXXX again some XXXX took out XXXX. XXXX toward my credit card account in which it wasn't due until XX/XX/XXXX another payment was taking out in the amount of XXXX or XXXX My payment is for XXXX every month and also I made a payment eternal transfer from saving to checking and XXXX XX/XX/XXXX another payment was taking out and my in XXXX it was over XXXX dollars between my savings and checking on XXXX XXXX I was headed to XXXX XXXX and looked at my account to make sure I had moneys for my part and saw that it was XXXX I left in my savings and that someone from navy federal had access my account and took payment for XX/XX/XXXX that was not authorized none where as from XX/XX/XXXX I am not happy at this point because this has been a ongoing problem and hardship for me. at points and times there maybe deposit that family makes eternally they show up as some of the things that goes on with navy Federal to cover up other deposit entering into my account
Product: Credit reporting or other personal consumer reports

Good day, I am asking to remove the security freeze in my crerdit report.
Product: Mortgage

I had my mortgage bought by Greentree Services XXXX I have an automatic payment plan with my bank that pays my mortgage amount each month and have never missed a payment. I have my bank records showing the payments made each and every month. I received a statement from GreenTree claiming I was in default and demanding the full amount of my mortgage. In addition I have an escrow account and Greentree continues to miss paying my taxes and insurance from my escrow account.