23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene Finance bought our mortgage in the fall of XXXX. In XXXX of XXXX we got a letter saying there was an escrow shortage {$11000.00} ( even though we had achieved a loan modification in XX/XX/XXXX which should have solved any shortage ). Consequently, Selene raised our monthly escrow payment from about {$1000.00} to {$2300.00} -- effectively raising our monthly mortgage payment by over 30 %. 

There is a long history of problems with our loan that was originated in XXXX ( under circumstances that were probably fraudulent ). 

It seems that Selene is trying to capitalize on the distressed history of this loan to seize our house.

We have been working with legal counsel to address these issues, but I thought it would be useful to report what is probably some level of mortgage fraud to the government authorities for investigation. After reading about some recent experiences that other customers have had with Selene, it seems quite clear that this company is acting in bad faith to manipulate their mortgage holders and foreclose upon their properties so that Selene can turn a quick profit in a hot financial market... or to force consumers to seek out monies from the Mortgage Assistance Fund set up by the Treasury Department.
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX XXXX and I will talk to my lawyer for this I need my XXXX back from cashapp and another XXXX dollars also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX decreased my credit by XXXX points in XXXX because they began including several closed written off accounts in the calculation of my total credit utilization. Credit utilization calculates what percentage of the credit is currently being used of your total available credit. It does not include closed accounts because you are unable to use credit if the account is closed. I verified with vantage that they do not use the closed accounts in this calculation. In XXXX XXXX included several closed accounts stating my credit utilization is XXXX XXXX and it dropped my score by XXXX points. Im only using XXXX dollars of my XXXX dollars available credit which calculates as XXXX XXXX. When I brought it to their attention they refused to do anything about it and said they cant do anything to change it and gave me no solution or suggestion.
Product: Debt collection

I saw this collection from Caine & Weiner on my credit file for a XXXX XXXX  claim. I mailed letters to the credit bureaus and directly to Caine & Weiner twice for debt validation. The accounts on my credit file were marked " customer disputes this account '' but Caine & Weiner never responded with any factual documentation for proof this is my obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason why I'm writing this letter is because my mortgage company reported that I was late a month for my payments but during the pandemic, I was able to get assistance with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX for the month of XXXX, XXXX and XX/XX/2019. I spoke several times during the month of XXXX and XXXX to the mortgage company about the assistance from XXXX that they are going to process the payments so I don't get charged a late fee or be reported, they repeatedly said that they won't do so, they never mentioned anything about reporting me or anything in that matter the XXXX mad the payments for on XX/XX/XXXX for the three months.my credit score has been above 7 for many years, my credit score is XXXX today, I have been working all my life on keeping a really good credit score. when I reached out to my mortgage company about it recently when I discovered that they reported me and my credit score took a hit. they said that the person who I spoke with should havetold me that you won't be reported to the agency and you can dispute it if you want but meanwhile I'm trying to apply for a loan and with this score, it's not easy to get a decent loan. the mortgage company is Mr cooper
Product: Debt collection

i sent SOUTHERN FINANCIAL SYSTEM, INC a letter on XX/XX/2021 requesting information about alleged debts of {$250.00}, {$220.00} that i do not owe. i asking for this matter to be resolved and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have three inquiries on my XXXX credit report that I did not do or authorize from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  I also have one inquiry on my Equifax credit report as well that I did not authorize or do
Product: Debt collection

XXXX XXXX is selling my information to multiple collection agencies without my authorization. After the free trial, I cancelled the service but was still charged as if I was keeping the service. The company agreed to reverse the charges but sent my information to collections instead
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  wrong billing dispute unauthorized charges were not recovered closed account due to improper investigations refusing to fix XXXX XXXX .and payments fees etcs bad deceptive business practices
Product: Credit reporting or other personal consumer reports

I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXXXXXX XXXX is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their significant responsibilities with fairness, impartiality, and a profound respect for the privacy rights of consumers. As a consumer, I assert my right to ensure that my private information remains confidential, as supported by 15 USC 6801, which states that financial institutions are obligated to respect customer privacy and safeguard the security of nonpublic personal information.

It is important to note that the entity furnishing information to credit agencies, categorized as a financial institution under this statute, must adhere to specific guidelines. According to 15 USC 1681, section 604a, a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. I explicitly state that I have not provided my consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, or the aforementioned financial institution. 

Referring to 15 USC 6802 ( b ) ( c ), it is outlined that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. I assert that I was not informed by the entity furnishing information to credit agencies about my right to exercise the nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. This includes adverse items that antedate the report by more than seven years. The reporting of this account as an adverse item without my permission is a violation of my rights under this statute.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I XXXX XXXX sent a notice letter to Experian the consumer reporting agency. 

They are reporting 2 incorrect names on my consumer report and inquiries that I do not recognize and did not consent to. 

I've asked that they please update this information but they have not responded and the inaccurate items are still reporting. I listed the items to be updated in the letter below that I sent to Experian. 

It is now XX/XX/2023, more than 30 days past date of delivery and nothing has been done about this.
Product: Credit reporting

On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. 

I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. 

I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history
Product: Credit reporting or other personal consumer reports

Credit Repair Equifax 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. 1681i, 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 that I marked as inaccurate. ( XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account. Following this submission, both XXXX and XXXX have removed this account from their records. 
I have also directly contacted the companies associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a XXXX against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Money transfer, virtual currency, or money service

On friday XX/XX/XXXX, I registered on the webpage of the citibank and I contacted them to update my telephone information. 
Monday XX/XX/XXXX in the morning, I made an international online transference from the citibank to the a foreign country ( XXXX ) of XXXX dlars. Then on tuesday I recieved an e-mail that said that I had to call the bank to verify the information I gave online, if not they would cancell the transaction. So I called them around XXXX o'clock, and gave them all the information they asked for. At XXXX o'clock I recieved an e-mail message saying that I didn't contact them so they cancelled the transaction and I also found out that they have blocked my debit card. On wednesday XX/XX/XXXX I called to ask what happened, they told me that the number I had updated could not be in use because it is a foreign number. I am currently living in XXXX and I don't have another number in the United states. They told me they can't solve me the problem and that I have to wait for them to contact me so that they can unblock me my card. I told them I need the money urgently. But they didn't offer me other solution. Aditionally, when I updated my contact information they didn't say anything about if there was going to be a problem if it was an international number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, i put forward my detailed allegations of iinaccuracies and deficiences of reporting. I communicated that Per the FCRA section 611 ( 15 U.S.C. 1681 ) and METRO2 compliance standards my file is to be accurate and complete. My consumer record continues to have inaccuracues and none of my complaints have been acknowledged by the consumer reporting agencies. Further violations. 

The following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX/XXXX/XXXX, regarding a debt for a " Total Rewards XXXX '', XXXX XXXX employee " XXXX '' contacted a third party and disclosed multiple pieces of my private information. They contacted my father, who in turn contacted me. They told him my birthday, social security number, address, and claimed to him that I owed {$460.00}. This is an absolute violation of the law and I am disgusted that they would bother my family members, and angry that they have given my information to a third party. It is either they gave my private information to a third party unknowingly, or they purposely contacted my family members about a supposed debt.The FDCPA absolutely prohibits such behavior. 

They contacted my father at telephone number : XXXX. He is XXXX XXXX XXXX and lives 3000 miles away from me. He is not a co-signer on any accounts.
Product: Credit card

XXXX I proceeded to make a payment on an account with Wells Fargo. I was wanting to make XXXX of the last XXXX payments to my Wells Fargo account. The final amount was {$800.00}. When I went on-line to make a payment, a message appeared on the page telling me that I had exceeded the daily or monthly payments of on-line payments this month. This was a promotional item that was purchased a year ago in XXXX. If I dont pay it by XXXX, I will accrue the interest since the date of purchase. Didnt know that you can only make XXXX on-line payments a month, or daily with Wells Fargo. This is a fine example of consumer price gouging. Never heard of a company, bank, or government only allowing a consumer XXXX payments per day or month. This institution is only interested in making money, and not taking care of customers. They need to be XXXX in a corner and XXXX. Just like they are doing to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX  XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE INACCURATE AND UNVERIFIABLE. 
XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XXXX XXXX I Have disputed the accounts listed above with all three of the following companys, ( XXXX, XXXX AND EXPERIAN ) These companys have failed to provide me with any proof verifying the accounts listed above. Which to my understanding a violation of my rights according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not and has not thoroughly investigated this account information. This is why they have added online dispute options because its just a click of a button for Experian to only verify name and Social Security number so that connection and then they keep the same information snd claim that theyve completed their investigation. However, when I go look at their results its all the same and nothing has changed like the number thats provided for the so called collection. I am doubting their credibility and ability to accurately and lawfully report. This account says XXXX XXXX XXXX XXXX with an incorrect number on the credit file. After I had to figure out the number XXXX XXXXXXXX DENIES HAVING AN ACCOUNT FOR ME SO WHY ARE THEY STILL SHOWING ON MY FILE! Then every time you check, Experian is changing data!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  BANKRUPTCY XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.