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

Received letter from XXXX XXXX XXXX dated X/XX/17 that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on X/XX/17. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XX/XX/XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at Consumer this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XX/XX/XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that consumer just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.
Product: Mortgage

My mortgage loan was modified by PHH on XX/XX/XXXX( see attached ). After the loan was permanently modified, PHH canceled the modification and proceeded with foreclosure action. PHH cited on XX/XX/XXXX( see attached ) that there were issues with the title that prevented acceptance into the program. Since my loan is secured by FHA, there is a right to clear title issues prior to closing on an y modification deals. PHH never allowed me to clear up the title issues, which stem from HOA dues. Moreover, the law firm representing the HOA, set up a payment plan on the outstanding balance due ( see attached ). This payment plan is an actual agreed order entered into court, which negates the right for the HOA to proceed with any foreclosure activity. The agreed order was never submitted to FHA for underwriting consideration. PHH is clearly motivated to foreclose in order to collect excess fees by billing FHA for foreclosure costs. PHH is in violation of general CFPB law, based on the lack of transparency during the modification process. They are also in violation of FHA 24 CFR Section 203.604, for failure to meet face to resolve delinquency issues. FHA requires all mortgagees to have a face-to-face meeting with the borrower, or make a reasonable effort to do so, before the borrower is seriously delinquent or foreclosure activity commences. PHH has set a foreclosure sale date of XXXX, so I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

My Chase Bank mortgage obligation was discharged under XXXX XXXX bankruptcy XXXX XXXXmy credit report is showing balance due & late payment history 7 years from original delinquency date..creditor is in violation of fair credit reporting act & subjects the mortgage lender too legal liability
Product: Credit reporting

Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.
Product: Credit reporting or other personal consumer reports

Collection Account from RADIUS GLOBAL SOLUTION LLC with account # XXXX and a balance of {$15000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Mortgage

first direct lending offers a free appraisal cost if i consider refinancing with them. I submitted all they needed from me, lock in the rates, and told me my loan will be closed before the end of the month. 
Said they will cover the appraisal but needs my credit card to hold a 50 % cost of it. 
I agreed to give them my Credit card.it took more than a week for them to update me after the appraiser went to my place. 
I havent got a word from any of them after the appraiser, only an email of " adverse notice '' they did not approve me of the loan but has charge {$220.00} on my Credit card. They know this is a refi to help me pay off my credit cards. XXXX XXXX XXXX has put me more indebt than i am now. XXXX XXXX is very deceptive with their business, applies false advertisement and preys on soft target clients like myself. 
i could have saved time and money if not for their sweet talk.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a Collection Account Open on my Credit Record back on XX/XX/2021. I have contested this Collection Account because it is not mine and it's related to Identity Theft. We have contacted the Collection Company and or the Original Creditor ( XXXX XXXX XXXX XXXX ) to let them know about this Fraudulent Account, but they have been unwilling to remove it. I was advice by Experian to file this FTC Report so I can continue to dispute this Collection Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, XXXX, and Equifax. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, XXXX, and Equifax. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX XXXX Equifax Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Equifax 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2024, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

My XXXX rights were violated when the hospital XXXX XXXX XXXX XXXX XXXX information to the debt collection agency, XXXX XXXX XXXX XXXX, without my explicit consent. Under the Health Insurance Portability and Accountability Act ( HIPAA ), healthcare providers are required to protect the privacy and security of your medical information. Disclosure of sensitive health information, such as your diagnosis and treatment details, to third parties like debt collectors, must comply with strict regulations ensuring confidentiality. By sharing this protected health information ( PHI ) without proper authorization, the hospital breached my privacy rights, exposing me to potential misuse of my medical data and causing undue stress and concern about the security of my personal health information. I asked XXXX XXXX XXXX XXXX to remove those XXXX items from my XXXX report but was denied.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have the responsibility to report Consumer information to the best of their ability and with Maximum Accuracy. I have never been late on payments on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide bank account statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on a timely basis as they should be as I have NEVER been late. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a IDENTY Theft Report for the following accounts and inquiries listed below Experian Fraudulent account XXXX XXXX XXXX Account Number : XXXX This account was opened fraudulently and fraudulent charges was made I payed the account off with the agreement from XXXX XXXX XXXX  to remove the fraudulent account in full from my Experian credit report. 

Experian Fraudulent Inquiries XXXX XXXX XXXX XXXX XX/XX/2021 I never applied for anything with XXXX XXXX XXXX XXXX on this date the inquiry was made fraudulently please remove. 

XXXX XX/XX/2021 I never applied for credit on the listed date please remove fraudulent inquiry. 

XXXX XXXX XXXX  XX/XX/2021 Please remove this fraudulent inquiry
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICES LLC regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. Human trafficking is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my XXXX ( XXXX ) CFPB Compliant ID, XXXX ( XXXX ) CFPB Complaint ID Number, and XXXX ( EQUIFAX ) CFPB Complaint ID Number XXXX I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, XXXX XXXX and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect XXXX  and debt bondages. 

Attached are notarized documents supporting my notices. XXXX, EQUIFAX, and XXXX ( collectively the " CRAs '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to XXXX XXXX XXXX XXXX XXXX, Equifax Information Services LLC, XXXX XXXX, their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR, CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX -- Open XXXX, XXXX -- {$0.00} XXXX XXXX XXXX XXXX, XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX XXXX XXXX  Open XXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle failed to investigate my claims adequately they informed me that tracking these transactions was infeasible the CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams the 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

Just recently, my credit score was greatly impacted from an inaccurate balance increase on my capitol one credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.
Product: Debt collection

The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I settle my account with possible finance with true accord by paying them the settled amount of {$440.00} an email was sent out with letter stating amount was paid and possible finance was made informed. 
I was told by agent XXXX that the account will be updated within 30 days after payment was made. When I realized it was mid XXXX and my account was still reflecting a balance I dispute it with the XXXX credit bureau. On XX/XX/XXXX I received an update from XXXX that " company that reported the information has certified to XXXX that the information is accurate and the debt remain ''. Since then I've been trying to get a hold of possible finance the number provided online and on my credit report does not accept calls so I started emailing them on XX/XX/XXXX with XXXX XXXX she assured me the next day they saw I paid the account on XX/XX/2023 and should have been removed after 30 days. We are now 144 days after paying this debt and haven't heard anything from the company I would like this debt to be removed from all 3 of the credit bureau reporting ( XXXX, XXXX, and XXXX ).
Product: Credit reporting or other personal consumer reports

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian, reporting late payments on multiple accounts ( list the accounts ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian, violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with EQUIFAX over a month or so now and getting no where. I gave them written instructions pursuant to 15 USC 1681b ( 2 ) but they refuse to do as they're told. I am a private consumer and my reputation is being ruined by false/misleading information. Not to mention, the stress and frustration with every person I speak with, giving me a hard time. They're telling me to send in dispute letters, identity reports, and two forms of identification, which I've done THREE times. I've even fax this information and I will show my evidence as well. I have not given EQUIFAX, nor anyone else, my consent to furnish anything. Furthermore, EQUIFAX quick to ask me to verify myself but I don't know who these people are nor did I give them my consent to furnish any of my private information to/from anyone. That is IDENTITY THEFT. They're acting as if this is their information and I will not tolerate it. When I made a complaint last time on CFPB, they closed it out! Nothing change on my consumer report. XX/XX/XXXX I spoke with someone in fraud department about unauthorized inquiries and they were removed within 24-72 hours. Today, XX/XX/XXXX, XXXX I see they're back so I called to get them removed again, I was given a hard time and the woman put me on hold but never came back. I will not give up until I get my remedy. Now I am attaching a Cease & Desist letter to stop all communication regarding my private information!
Product: Vehicle loan or lease

In XXXX, I took of a auto loan from Regional Acceptance. In XXXX I feel behind on payments. Regional Acceptance employed two men to repossess my vehicle. On Monday XX/XX/XXXX about XXXX XXXX   while waiting to go into work the two men blocked my car in when I was parked on the street and demanded I exit the vehicle. I was unaware of who these people were. I locked my doors. They men stated they were there to take the vehicle. At that time they said they would call the police and who would make me relinquish the vehicle. The man who called police told the dispatcher, " Its a 30 year XXXX male. '' Within 5 minutes about 6 patrol cars showed up. The Police surrounded my vehicle with their hands on their weapons. They instructed me that i must exit and turn over the vehicle or I would be forcibly removed and arrested. I was able to record the interaction on my cell phone. In fear for my life I complied and was told to leave the premises. The men then called for a tow truck and had it towed away. I contacted Regional Acceptance the next day told them what happened. Ive contacted them several times trying to get some resolve and I was told I would be called back or my complaint would be placed in a queue. The balance on the loan when reimbursed was {$27000.00}.