23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SS XXXX DOB XXXX I have some addresses on my credit report that I have never lived at. Please delete the following unknown addresses from my credit file. I would like a new credit report sent. 
Delete addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX, XXXX. The following occurred : XXXX transactions made on XX/XX/XXXX Posted XX/XX/XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX RE : Police report XXXX Date : XX/XX/XXXX My caregiver placed this low-income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pushed my wheelchair into the bedroom, went into the kitchen and while I assumed she was preparing my lunch, grabbed my cell phone and began sending unauthorized XXXX  transactions to herself. 
After a while, I began calling her name. After my third cry, I realized she was no longer in the apartment. Then I crawled to my wheelchair and rolled into the kitchen where I noticed that my keys were gone. Thats when I realized that something was wrong. Then I went to my desk and saw that my XXXX XXXX phone was not where I had left it. My black bag in which I kept my IDs, bank cards, Medicaid, insurance cards, and medical papers was still there. 
When I looked inside, I saw that my SS card, IL state ID, Citi debit card, and credit cards were missing. 
It was the worst day of my life. And now Citi is telling me this never happened and is holding me accountable for the missing funds. Citi has applied provisional credit for the ATM withdrawals, ( XXXX, but I received a letter stating this will be withdrawn. Citi has not applied the {$1700.00} provisional credit for the XXXX thefts as I was told they would, and now I can not pay my rent and may soon be evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX XXXX XXXX : XXXX, XXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX 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

In late XX/XX/XXXX I received a letter from Experian notifying me that a creditor had reported a change to my name, address, or SS #. My wife got a similar letter earlier in 2018, and it was connected with identity theft, so I was concerned. The letter stated that I could order a copy of my credit report from Experian if I wished to view the changes. 

Instead, on XX/XX/2018 I tried requesting a free annual Experian credit report through XXXX. I was told my request could not be processed online and that I should mail my request. I downloaded the appropriate Annual Credit Report Request Form from that website, filled it in completely, and mailed it that day to the address specified. 

On XX/XX/2018 I received a letter from Experian telling me they did not have enough information to process my request. The Experian letter says I need to supply a photo id and a copy of a utility, bank, or insurance bill showing my address, in addition to all the information I already supplied. 

The Experian letter says nothing at all about where to send the required information, although it does display a small post office box address at the top left of the form letter. I have no idea whether I should send the required information to the address indicated on the Experian form letter, or to the address specified at XXXX. 

On XX/XX/2018 I went to the Experian website to find someone who could clarify where to send my request. The " Contact Us ''  section of the Experian website merely refers me back to XXXX, where I started, and provides no human contact information that I can see. 

The Experian website does contain an offer to sign up for " free '' monthly credit reports from Experian. The process apparently involves four steps, which I have not pursued. Experian 's website provides significantly more and better information about how to sign up for this proprietary credit reporting service than it does about how to complete a free annual report request. 

I still have no information about what creditor reported the change and what change they reported, because I have been unable to access my free credit report. I have reached an apparent dead end.
Product: Credit reporting or other personal consumer reports

I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report, and I contacted TransUnion in order to resolve these issues. They have downright failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Mortgage

Over a year ago I received in the mail and letter from Owen Mortgage, indicating my mortgage load had been cancelled, the amount of. {$140.00}. When I called several time inquiry about the deed I got no response, just shifting me from one department to another. Next a Sheriff appeared to evict me from my hone, with a sticking type paper. When I inquired she said, " You got to get out :. I was absolutely deviated, where I felt that XXXX was the only solution. However, friends rallied around me, and that day I went to the court ( XXXX ) to file an appeal. I was asked to submit a letter, to the judge explaining my situation. A week later I received notice for a hearing XX/XX/2015. Where I appeared before the judge, but the lawyer representing XXXX, XXXX, XXXX law firm, did n't allow me to get a word in edgewise.. So I filled an official appeal with both courts. 
XXXX. XXXX XXXX XXXX appear to be apart of the fraudulent behavior as their name is listed too., Please help me I have lived in this home for 21 years, I 'm a XXXX XXXX, with no relatives in the area. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX HOME XXXX XXXX XXXX CEL
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

They asked for a picture of my ID, social, date of birth with promises of debt relief. They asked for bank account # and routing #. I tried canceling and they wont respond.
Product: Checking or savings account

XX/XX/XXXX my account was suspended I was asked to send identification a sent my license immediately on the XX/XX/XXXX I asked for a follow up email submitted a ticket have called by phone to no response except I have to wait every day on XX/XX/XXXX and XXXX XXXX I have called emailed and chatted with online chat to take the suspension off my account they will not let me gain access I have had venmo for over ten years I received my direct deposit and my account. Was immediately frozen.
Product: Mortgage

I have been trying for over three years to resolve my situation with Citimortgage. I requested a shortsale 3 years ago. I have lost 3 buyers and now Citimortgage is countering an offer on a short sale property that is XXXX more than what was required 3 months ago with another buyer. I think they are trying to deny the offer and force this home into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to file a formal complaint against Equifax and XXXX for their continued reporting of inaccurate information on my credit report regarding an auto installment loan with [ XXXX XXXX XXXX ], account number [ XXXX ]. I have not made a payment on this loan since XX/XX/year> According to federal guidelines set by the Office of the Comptroller of the Currency ( OCC ), creditors are required to charge off an auto installment loan after 120 days of delinquency. Despite this, Equifax and XXXX are still reporting late payments on this account instead of removing the inaccurate information and correctly listing it as charged off. 

The actions of Equifax and XXXX constitute potential violations of the Fair Credit Reporting Act ( FCRA ) due to the following reasons : 1. Charge-Off Requirement : As per OCC guidelines, the creditor should have charged off the account after 120 days of delinquency. Reporting the account as merely late, rather than charged off, is a failure to comply with these guidelines.

2. Incorrect Reporting : Equifax and XXXX continued reporting of late payments instead of a charge-off represents inaccurate credit reporting, which is a violation of the FCRA. The FCRA requires that information provided to credit reporting agencies be accurate and up to date.

3. Potential Violations : OCC Guidelines : Failure to charge off the account after 120 days of delinquency.

FCRA : Inaccurate reporting of my payment history. 

I have previously contacted Equifax and XXXX to dispute these inaccuracies and provided documentation of my last payment date. Despite this, they continue to report the account inaccurately and refuse to correct the information on my credit report. 

I request the CFPBs assistance in ensuring that Equifax and XXXX comply with federal guidelines and remove the inaccurate information from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Mortgage

I took XXXX to care for my daughter who had an unexpected medical emergency. I was of work for 3 weeks and food not have enough money to make my bills. I contacted flagstar looking for options so that I would not be late on my mortgage payment. My payment is due on the first of the month and I contacted them before my payment was due. I was told to go through loss mitigation which I then contacted. They said that they would send out a packet. The next day I started receiving phone calls from Flagstar staying that I was in default on my loan. I answered XXXX of these and the man on the phone said " oh, we already talked to you '' and hung up. I received the packet in the mail with a list of things that I needed to submit. In the meantime I continued getting phone calls from Flagstar. I called them on the XXXX and asked them to write calling me several times s day. The lady was extremely ruderude. I tried to explain that I always made my payment before the XXXX of the month ( whenever my paycheck cleared ) but since I contacted Flagstar before my payment was even due, that they had been harassing me with phone calls of " this is an attempt to collect a debt ''. I feel like I reached out tob then for assistance and within 12 hours of my phone call, I started getting debt collection phone calls. I made my payment today, but at the cost of my daughter 's treatment since I ca n't afford XXXX. I 've been iny home 13 years..in fact, I built it .... This is ridiculous way to treat a customer.
Product: Checking or savings account

On XX/XX/2021 I purchased an e-gift card on XXXX website. It turned out the gift card is invalid and fraudulent. I would like this website taken down so others dont fall into the trap I did. Chase is my bank and will not refund me for this scam.
Product: Checking or savings account

My direct deposit was scheduled for XX/XX/year>. I never received it. On XX/XX/year> around XXXX, Capital one sent an email stating they were having technical issues. It is now Friday XX/XX/year> at XXXX and I still have not received my funds. Capital one has not provided and exact cause nor and estimated time of correction/deposit.
Product: Credit reporting or other personal consumer reports

my report is showing no score when i should have things reporting to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks
Product: Debt collection

Contacted several times that amount was not owed. One of the rental agent explicitly stated that amount is not owed. The collection agent which is a separate agency and that it seems that it has a private arrangement with another rental agent. States that this amount is owed. However justification has Never been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order for there to be truth in lending reports should be accurate
Product: Student loan

On   XXXX   XXXX   XXXX    , I received a notice from FedLoan Servicing telling me that it was time to renew my Revised Pay As You Earn repayment plan. This notice advised me to re-certify using  XXXX . It never told me that I would not be able to import my tax return as I had been doing for years.     On   XXXX   XXXX   XXXX    , I went to  XXXX  to renew my repayment plan. I completed the online application and had my spouse complete his portion on  XXXX .   XXXX   then instructed me to mail a paper copy of my application to FedLoan Servicing along with my tax return.     FedLoan Servicing never told me that I could upload everything online ; I had to figure that out on my own.     I submitted my application and my tax return  online. ( See att ached screenshots. ) On   XXXX   XXXX   XXXX    , I received an email stating that FedLoan Servicing had received my application and was processing it.     Then on   XXXX   XXXX   XXXX     I received an email from FedLoan Servicing stating that I had a message. I retrieved the message and it told me that it was unable to process my application because I had not provided income documentation. It then told me that I needed to reapply using  XXXX . It did n't even provide me a way to fix my application. This letter was very confusing.     I called FedLoan Servicing later on   XXXX   XXXX   XXXX      . I spoke with  XXXX  employee ID #  XXXX . He said that the letter I received was likely automatically generated because I did n't import my tax return online. This seems implausible. Why would FedLoan Servicing autogenerate a letter denying my application? He looked into my files and saw that the application and tax return were there.
Product: Prepaid card

Cashapp locked my account with {$210.00} in it. I have a shut off notice for my electric and was expected to pay it today using those funds. I would like a refund and close the account.
Product: Credit card or prepaid card

PayPal/Synchrony bank on XX/XX/2022 lowered my credit limit from {$2700.00} to {$1500.00} for non usage. I became aware of the change via my credit monitoring service with XXXX. 
I called Synchrony Bank to restore my credit line. 
They ran my credit and issued a new line of {$2300.00} less than my original credit line. 
I disputed to have my full line restored but they would not do so. 

I have been financially harmed since my credit score has been lowered with the credit bureaus due to PayPal/Synchrony Bank and I will have to monitor my other cards due to Synchrony 's actions.
Product: Debt collection

I recently reviewed my credit reports and was shocked to find a collection account from IC Systems for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. When I called the company directly I was told this was my ex wifes account and my name was not on this so they could not discuss this with me. The collection company told me it wasnt my debt yet they are reporting to my credit report. the entire account needs to be deleted with all bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described in15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

US bancorp Opened my business credit cards incorrectly, I was only able to access my personal card, not my employees cards for payment. I was told by the customer service rep over the phone that all billing would go to that card, central billing, I would pay it through my personal US Bank Login like all of my personal accounts and cards. So I continued to pay that card, unaware that they had never setup a corporate account for me to actually pay for the other cards, or that this was even a process that needed to be done. Their rep did not inform me, nor did he follow through with any setup. 

Upon finding out the error, I had a balance on one of the cards that was over 30 days, I went into my local branch, contacted US Bank support, paid the balance, and had the bank setup the account the way it should have been originally. They only allow a written letter to resolve these issues, so I took the extra time to fix their mistake, and they still are showing a 30 day late ( the only one in my entire 17 year credit history ) on my credit reports.

This joke mailing paper to them when they could easily correct this is a direct attempt to put the work of fixing their problem on me, and I'm over it. I mailed them an archaic paper letter, and waited a month for their letter to come back, which stated they resolved it, its still showing on my credit report though. They need to fix their mistake fully, which includes notifying the bureaus that i was NOT late on my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on OCWEN LOAN ( Account # XXXX**** Date Opened : XX/XX/2006 Balance : {$0.00} ). This account is only being reported in 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

On XXXXXXXX XXXX, XX/XX/2023, XX/XX/2023, XXXX IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX  IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT