23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

After hearing many good things about Penfed, I decided to join around XX/XX/XXXX. I am in the process of repairing my credit, so I thought it would be a good idea to establish a relationship with a creditable credit union. Upon joining, I applied for a few of their products and I was denied. XX/XX/XXXX, I had some more updates to my credit report and score so I decided to apply for an auto loan. It was denied as well. On XX/XX/XXXX, I sent a request for a reconsideration. Knowing that Penfed uses the same credit report for 90 days, I asked that they pull a new report. I also included an explanation of the credit issues. On XX/XX/XXXX, I received a response from XXXX XXXX, a Loan Processor, acknowledging that my information was received. On XX/XX/XXXX, I also received a request from XXXX XXXX, saying that in order to process my request a freeze would need to removed from one of my credit reports. She said to fax, email, or email them the PIN for access to the credit report or let them know when it was removed. I contacted the credit bureau and paid the fee to remove the freeze. I then emailed Penfed to let them know that the freeze was removed on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, loan processor, stating that the information had been received. On I believe XX/XX/XXXX, I logged in to see that the reconsideration was denied. Mind you that I get alerts for all score and inquiry changes, so I am aware when things update. There was no additional pull from Penfed, only the one that was pulled when I joined. I sent a message addressed to a manager on XX/XX/XXXX, asking why the new report was not used and as requested. I also inquired about credit criteria for small bill consolidation loan. I received a response from XXXX XXXX, loan analyst, indicating that my credit does not fall within their lending guideline. I fully understand that and I will continue working on my credit. What I do not understand is why they would say they would pull an updated report, had me pay to remove the freeze from the report, and they never pulled a new one or never acknowledged that they employees failed to do as requested. I have since asked them to close my account. I hoped to build a long relationship with them, but I they do not follow through with what they say they will do. I will continue rebuilding my credit and try for an auto loan again with a company a different credit union in a year or so.
Product: Checking or savings account

In XXXX I made some purchases from XXXX. On XX/XX/XXXX a sectional showed as delivered but I never received it. Perhaps it was stolen I don't know. On XX/XX/XXXX I filed a chargeback with Sofi. I informed them I never received the sectional. XXXX responded with no proof whatsoever that I actually physically received the sectional. 

Sofi, despite having no proof whatsoever that I physically received the sectional ( which was shipped without insurance or signature required ), sided with XXXX. I appealed and originally they refused to look into it but they then re opened the dispute. After another 45 days they closed the dispute again with no evidence whatsoever that I physically received the sectional. 

I provided them with proof that I bought two sofas on XX/XX/26 because I hadn't received the sectional. I offered them a witness who was with me from XXXX non stop and can attest that I never physically received the sectional. I offered them my XXXX where they can clearly see the only two couches in the apartment were the new ones not the sectional. I also offered them proof that I lived in a one bedroom apartment and so it would be extremely difficult to fit a sectional and two sofas. 

In short I offered an insurmountable amount of proof that I never received the sectional. XXXX provided no proof whatsoever that it reached my possession. Per Sofis own terms I am supposed to be protected for goods that do not reach my possession. Simply being delivered does not ensure it reaches someone's possession. Additionally Sofi refuses to send me a pdf of their revised report, although they did confirm there is no actual evidence that I received the sectional.
Product: Checking or savings account

I received a payroll check for XXXX from my company ( their bank is XXXX ) which I deposited to my BMO personal account on XX/XX/23. XXXX paid them and everything was fine. But on XX/XX/23 BMO charged back my account saying that they did not find the account to cash the check. I called chase and have them conference call with BMO. XXXX told BMO that money has been given to them. BMO is saying that they do not find an account... .I spoke to XXXX in BMO on XX/XX/23 for more than an hour and she said she will call me back with more investigation. But I have not heard from her and I have been calling her every business day. I need help. BMO needs to give me my money asap.
Product: Credit card or prepaid card

Someone else opened an account in my name via the XXXX XXXX XXXX, which appears to be administered by TD Bank, and made a purchase of {$1400.00}. I did not open this account. On XX/XX/XXXX, I received a collections notice from TD. This was the first I had heard of this account. On XX/XX/XXXX, I spoke with XXXX ( ID XXXX ) from TD Bank, who submitted a fraud claim on my behalf. On that day, I contacted all XXXX credit bureaus and placed a hold on my credit. I was told that an affadavit would be sent to me in 14 days. On XX/XX/XXXX, the affadavit was sent ( per the date on the enclosed letter ) ; I received it XX/XX/XXXX. The enclosed letter noted that I had 14 days to complete the affadavit. I completed the affadavit on XX/XX/XXXX and emailed it to XXXX, as instructed. On XX/XX/XXXX, I received a note, dated XX/XX/XXXX stating that my fraud claim was denied and enclosing a purchase receipt for the phone. From the receipt, I note that the purchase was completed online and the phone was picked up in person. It does not indicate that the person picking up was required to show any ID. The email address used for the purchase is not mine, and a search for the location of the XXXX address shows XXXX, XXXX. I do not live in XXXX, nor was I there on the date of purchase. 

In summary, my claim was denied based on incorrect information, and before my affadavit was received. Moreover, the denial of claim letter, addressed from XXXX XXXX XXXX, includes a phone number that appears to be XXXX XXXX 's personal phone number, which has gone to voicemail on the XXXX XXXX I have called it since receiving the denial of claim letter. I have called TD Bank twice to discuss this matter further, but have been told that there is " no fraud department '' nor is there anyone I can speak with. When I ask to speak to a supervisor, I am placed on an indefinite hold.
Product: Mortgage

It's been 3 weeks since Ocwen agreed to a " Repayment Plan '' on my mortgage. The excuses I am getting is ... '' We are still trying to review the repayment plan ... .it has been approve but we still need time ... '' The Repayment plan consist of a {$10000.00} dollar agreement with an 11 months of {$900.00} added to the mortgage payment of {$770.00} which totals the amount of {$1600.00}. I spoke to my relationship manager ( XXXX XXXX ) three ago and he said it will be approve ... .I called the OMBUDSMAN Ocwen Office 5 times and keep getting the run arounds .... 

I need CFPB to get some answers before I file a lawsuit against Ocwen for Mortgage Fraud. 

A month ago, Ocwen called my Attorney, stating they plan to foreclose on the home, Ocwen has been sending four of my payments back to me since XX/XX/2018 with the INTENT to Foreclose to make a {$100000.00} dollar profit. I have owned this home for the past 14 years with my family and raise my kids. I have a lot of fond memories. 

According to my Bankruptcy Attorney, he stated, Ocwen should deal directly with you, since your " stay '' has been removed.
Product: Credit reporting or other personal consumer reports

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 Report/FTC identity theft report ( FTC REPORT XXXX : 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 : Account Name : XXXX XXXX XXXX  Account Number : 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 CREDIT BUREAU 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

I am writing to formally express my concerns regarding Zelles handling of disputes, especially after the recent CFPB lawsuit highlighting major issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering the lost funds was impossible and 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

MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

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

XXXX XXXX XXXX XXXX has violated my privacy 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Mortgage

I sold my home in XX/XX/2016 This account is closed and is not released of record yet. Per Guidelines, my mortgage lender has XXXX days to process and release of record. This is still posting negative reporting as a late payment and this home is no longer in my name and my lender got wired the funds at closing?! Please help me get this released of record.
Product: Debt collection

There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up
Product: Debt collection

I have requested that this company provide proof of a debt that is claimed to be mine. I have submitted the request police report and a copy of a federal trade identity report and also proof of my residence in Texas which was a lease and a current bill and National Credit System is still reporting this item to the credit bureaus.
Product: Mortgage

On XXXX/XXXX/2006 I bought my home, the 30 yr. loan amount was for {$160000.00}. Ten years later I still owe {$160000.00} after paying over {$100000.00}. A few years back I had some heath issues and fell behind in payments and Wells Fargo offered me a modification which also extended the loan to forty years. I was on XXXX at the time but was desperate to save my home. After my head cleared and it set in what I had done I figured that was that. With Wells Fargo being accused of so many shady practices I thought that I would check to see if I had any options. Any help would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Equifax Fraud Department at XXXX about the unknown inquiries on my Credit Report. I did apply for credit or contact any of these company to obtain any credit or loans from none these company at all. I also did sign any documents for them to pull my credit file, don't known who given permission to do so. The Fraud Representative told me when talk to them on the phone, that they will remove the hard inquiries once they received the complaint from the CFPB. at the time at they don't have any Disputes at the time. but I file a complaint with the CFPB weeks ago. the hard Inquiries are listed below XXXX Card Date XX/XX/XXXX Equifax XXXX/XXXX  Date XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX Date XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX DATE XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX Date XX/XX/XXXX Equifax
Product: Credit card or prepaid card

I receive a call from a caller ID of the fbi saying I was involved in a trafficking crime and they had my address and phone number I was told that I had to make a payment to the family of girl who was taken for XXXX but to deposit {$1000.00} I was very scared and nervous idk what to do I made a XXXX decision and made a payment on PayPal to the so called family lawyer that was pressing charges on me for XXXX to be exact I really would like some help that money is all I have for my college tuition and expenses this fall semester PayPal disregard my claim and let the payment go through I really made a terrible decision and a look like a fool I very embarrassed but I asking humbly for help receiving back my money for college. The scammer told me to choose and write the family option that why its on there I praying for a miracle right now for help if dont have that money I wont be able to go to college this year. I no biological connection to that man whats so ever he impersonated a federal agent and try same I was convicted of crimes for XXXX XXXX XXXX I really need some help big time. After that I ended up changing my phone number and contacts information its very hard by myself and I made stupid mistakes I hope to learn from this and move on so this never happens to me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries on Equifax : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Agency 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 DEPT OF ED/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 an 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, 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 or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO OMY FRAUD ALERT : XXXX, REMOVE ANY OTHER NUMBER FROM MY FRAUD ALERT To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER XXXX XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - XXXX XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law XXXX times now... i have pointed out that this account is being reported as a re aged account.XXXX XXXX, equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the 2 year payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are 3 different ones being reported between bureaus XXXX XXXX, and XXXX ... all 3 cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports three 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Also reflects three 30-day late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX