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

On XX/XX/2020 I filed a dispute with all three bureaus because I noticed two credit cards still showed up as NEGATIVE INQUIRIES these two credit cards was filed and reported under card fraud due to unauthorized transactions without my consent. I was living in XXXX, MN and there was fraud usage made from XXXX while i was living in XXXX, MN. I reported to both card companies and nothing was resolved. 
I am seeking final closure with having these two accounts removed from my credit report.
Product: Checking or savings account

On XXXX XXXX 2021 I had contacted XXXXXXXX about collecting winning from playing games on XXXX XXXX! While talking to this gentlemen he had access to my account to use a program to verify deposit would go through using a program on his computer! At the time I was not aware what he was doing even when he had my password to get into my account at the time! I think for some reason that he was suppose to be from XXXX that it was ok! But then after a few minutes and hung up with him thats when I relized this was a scam and thats when I called the bank to close my card and then realized he had opened other account and taken all of my social security and stimulus check! I have report to the police and have tried to work with my bank about the issue and they are not working with me! I have also contacted the other account to let them know what happen and I still waiting to hear from them! No getting my money back is wrong since this was crime against me and losing that money is causing me so anger and stress and just want my money back and the bank does make this right then there are saying the theif wins again! Please help me to get my money back!
Product: Debt collection

I have had Northern Hills collection call me for the past 10 years. They have been asked numerous times to stop but to no avail. They have informed family members about the debt and have also asked them to pay it. If I dont answer the phone calls they call family immediately. It is a bully tactic and it has brought me to use this as a means to a end.
Product: Debt collection

The Fair Credit Reporting Act gives consumers the right to review their credit report and dispute incorrect informationand even to sue credit bureaus if they refuse to remove a mistake. Once a dispute has been filed, by law, credit bureaus must respond with a decision within 30 days. Heres how to handle the process. But they keep validating a false account.
Product: Debt collection

I NO longer had the car and finished payment toward my first I had with progressive all just want to remove this off my credit because I do not have a car and im trying to buy a car next year so I do not want any problems with any insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Debt collection

Notice to the Consumer Financial Protection Bureau For violations of the Consumer Financial Protection laws by XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and the violators of the consumer consumer laws of the United States is XXXX XXXX XXXX and the Employer the office of Hayt Hayt and landau LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX. They have violated the Consumer Financial Protection laws by not providing verification of this alleged Debt with account level documents as I have requested, Pursuant to 15 u s c 1692g and 1692 CC along with your requirements from your XXXX case and your XXXX XXXX XXXX case.They have chosen not to verify this alleged Debt with account-level documents and they refused to cease and halt all collection activities until verification has been obtained by the original creditor in this fractional Reserve banking system.They have continued to pursue collection activities with a lawsuit add XXXX XXXXXXXX XXXX Magistrate Office at Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX the second Violator of the laws of the United States which are the Consumer Financial Protection laws is Magisterial District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX | Fax XXXX. In the unverified case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC. XXXX XXXX XXXX and his Employer the office of Hayt Hayt and landau LLC they know with verification is along with halting all collection activities until verification is obtained by the original creditor with account-level documents. XXXX XXXX should know all this but if he doesn't know now he's on notice. I will provide a copy of the verification of the debt letter with this complaint to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

It's for XXXX XXXX for a XXXX Credit Card that's in my BoyFriend name and they keep calling my phone all day every day they called and left a very rude voicemail on my phone a Ms. XXXX her number is XXXX ext XXXX stated that he needed to have an attorney to call them the balance is only like {$100.00}, for one thing, it's against the law to call a consumer an leave a message on a cell phone I can sue them for that. I called back the number she told me to call and a guy answered and was very rude to me saying this a fortune 500 hundred company and they do not practice unlawful tactics I asked for a supervisor and he got very rude so I advised him that I would report them to the CFPB. I know my rights as a consumer once the supervisor got on the line she would not give me his name.
Product: Mortgage

I HAVE BEEN PAYING GMAC WHO CHANGED TO OCWEN MORTGAGE. I ORIGINALLY SIGNED UP FOR A XXXX YEAR XXXX MORTGAGE AT XXXX A MONTH AND NOW MY XXXX  YEARS ARE UP. THEY ARE TELLING ME I HAVE TO PAY XXXX BY XXXX XXXX. I HAVE OAID OVER XXXX IN XXXX YEARS AND MY ORIGINAL LOAN AMOUNT WAS AROUND XXXX. I DO BELIEVE I AM A VICTIM OF PREDATORY LENDING AND IN JEOPARDY OF LOOSING MY HOME. PLEASE HELP ME KEEP FROM LOOSING MY HOME AS IT SEEMS I AM ANOTHER VICTIM OF BAD LENDING PRACTICES. PLEASE CALL ME XXXX XXXX XXXX OR CALL MY DAUGHTER XXXX XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX I elected to exercise an early buyout of my lease with Chase Auto ending XX/XX/XXXX and purchase another vehicle. Despite buying out the remaining payments on the lease at the time of purchasing a new vehicle from the same dealer, in XX/XX/XXXX Chase Auto later sent a bill for {$930.00} via hard copy mail for additional Early Termination fees. Despite having multiple accounts with Chase, Chase Auto sent this bill via physical mail to an incorrect address. Despite electing to only receive electronic statements, Chase Auto still sent a physical notice. Despite exercising an Early Termination in XX/XX/XXXX I was not made aware of the bill until the end of XX/XX/XXXX ( 2 months later ) after the bill for additional Early Termination Fees was sent once the bill was returned to sender and Chase Auto realized I have an updated address. Upon learning of the amounts due, I formally appealed an Early Termination fee for a Loyalty Disposition Waiver. Despite financing my new auto loan with Chase, Chase Auto also refused to waive the Disposition Fee. Chase Auto informed me that they were denying the appeal for the Disposition Fee in XX/XX/XXXX. Despite the bill being sent via physical mail to an incorrect address and awaiting a decision from Chase Auto regarding an appeal of the Disposition Fee, Chase Auto reported the amount as Past Due to credit reporting agencies. After contacting Chase Auto, they refused to acknowledge it was their responsibility to provide notice to the correct address or that I had elected electronic statements only. Despite sending a physical bill to the wrong address, Chase Auto refused to rescind the Past Due Notice to the credit reporting agency even after the payment was made in full. I strongly believe Chase Auto engaged in unfair business practices that have adversely impacted my credit score as a consumer due to no fault of my own. As a result, I am appealing the Past Due report with the credit agencies and am reporting Chase Auto as being engage in unfair business practices harmful to consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX. and it is still showing and reporting to my credit every month after they agreed that once paid this item would be deleted ... this has been a on going issue.
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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

The billing statement with closing date XX/XX/XXXX Account ending XXXX, the pay overtime direct, pay overtime travel, pay overtime select, promotional sign & travel rate expired, promotional pay overtime direct rate expired and cash advances. Neither of the above features did I agree or gave consent to add and apply these features to my billing statements. Just like in the pass also American Express added additional car rental insurance fees features to my billing statements without my agreement and identity theft protection features also without my agreement. This is a violation of the TILA act law adding features to my billing statements without my agreement or consent. On the billing statement XX/XX/XXXX on page 5 of 5 of important notice EFT Error Resolution Notice it states we will investigate your complaint and will correct any error promptly. if we take more than 10 business days to do this, we will credit your account for the amount you think is in error. In this case the total balance is in error this complaint has been in dispute several occasions most recently on XX/XX/XXXX with me and CFPB with no response, therefore its been more than 10 business days and they will have to honor their XX/XX/XXXX billing statement on page 5 of 5 of the EFT Error Resolution Notice statement,
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX i receive spam likely calls to answer and find that is another attempt to collect a debt that ive advised is either not able to be addressed or not mine in general, ive several number blocked as a result of not being able to decipher between unknown and bill collecting callers. They demeans personal information before advising on any detail and then only have limited detail on the collections matter in question
Product: Credit reporting or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnisher on XXXX It's been well over 60 days and I still haven't gotten a response. I'm very frustrated that fraudulent accounts that are not mine haven't been removed off my credit yet. I am demanding that these unauthorized accounts be removed off my credit or I will be taking legal action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Item 1 : XXXX XXXX bank account balance {$400.00} is not correct, balance is XXXX. 

Item 2 : XXXX XXXX account # XXXX is not on credit report. 

Item 3 : XXXX XXXX  account # XXXX is not on credit report. 

Item 4 : XXXX XXXX account # XXXX is not on my credit report.
Product: Credit reporting or other personal consumer reports

In 2007, I was given a company payroll check in the amount of {$460.00} from my employer. I deposited this check into my account in good faith. According to the agent with the XXXX this negative information is on my TransUnion credit report and in the XXXX too. I called XXXXXXXX XXXX and they have no record of this check.
Product: Credit reporting

This is my Fifth formal complaint last XX/XX/XXXX over 30 days, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XX/XX/XXXX and XXXX XXXX Credit Card XX/XX/XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX XXXX Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this fifth time will pave way for a suit within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo account credit card I have requested for all late payments to be remove since XX/XX/XXXX. 
i was XXXX due to XXXX on the XXXXXXXX and wasnt able to work, I have over 7 late payments reporting since XX/XX/XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX XXXX monthly
Product: Prepaid card

I went to use my card on XX/XX/year> I heard my notification go off on my phone and realize that someone had removed XXXX dollars from my card I call XXXX and told them what happens they said they would cancel that card and send out another, mean while they would look into the matter and let me know what will happen, i received a called saying that they came to a conclusion that a took my own money and would not refund my money, I ask them how did they come to that decision without checkin any camera, or ATM to see if it was me,
Product: Credit reporting or other personal consumer reports

I have asked 9 times verbally over the phone and XXXX times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and my family.
Product: Mortgage

Our loan loan was being serviced by XXXX originally which they reported it late on our credit during a COVID forbearance. We had to file a complaint back a few months ago to remove the late payments which has been fixed. 

The loan was transferred to Mr. Cooper during the forbearance. It took months to get Mr. Cooper to finalize the forbearance but when it was finalized they claim to have sent mail regarding the terms. They told us to call which we did several times to confirm the final details of the forbearance ending but they continued to tell us we had to wait because it was also too new in their system. 

We logged in yesterday to see the account and it showed it was 30 days past due. We called and they claim the forbearance was finalized as a COVID forbearance and the first payment after the forbearance would be XX/XX/XXXX but we weren't notified. They claimed to have mailed us but we haven't seen the mail and for the first few months they took the loan over they promised our credit would be protected due to the COVID forbearance and the recent servicing transfer but now they're saying the two protections ended and they're going to report late. 

We don't understand why we're under short timelines to finalize a combined COVID forbearance and servicing transfer. We made the payments to get the mortgage caught up but we believe the servicer, who couldn't give any answers for the first 60 days we were notified of the transfer should be giving us grace on the reporting. We proactively contacted them several times hoping they would have clear answers and they didn't. Instead, they promised we would be protected, never called back and claim we were notified with mail only which we didn't receive. They are also claiming the credit protections for the servicing transfer and the COVID forbearance both ended the same time so they started the same time, ended the same time but since the loan was transferred in the middle of the forbearance they didn't extend the protection perpetually. They both ended the same time but the complexity of the situation didn't allow them to give us an answer at the time of the transfer. In short, the protections didn't do what they're supposed to do and the complexity of a loan transfer in the middle of the COVID forbearance prohibited the new servicer from handling the transfer and the end of the forbearance properly resulting in our negative reporting. We wish to have this addressed and the credit reporting corrected.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent 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 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: Debt collection

XXXX XXXX is trying to collect a debt I do not owe. I only called XXXX XXXX to inquire about prices. They wanted to get into a contract and I did not want that, so I never signed up. Now they not only reporting a debt I do not owe ... they are double reporting. Diversified Consultant and XXXX XXXX XXXX are both reporting on my XXXX report for the same XXXX XXXX debt. This is clearly a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus XXXX, Equifax, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.