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

XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXXXXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not identify this item on my credit report i will like a legal binding contract that binds me to this item XXXX for the amount of XXXX please have it sent to my address on file. 
Thank You!
Product: Mortgage

It all started when I applied for a modification, I had not been 30 days late on my mortgage in over 2 years plus. On XXXX XXXX I spoke with my relationship manager XXXX and specifically asked if I needed to make my XXXX payment he said NO due to the fact that I had been approved for a loan modification and the trial period was going to start XXXX XXXX, I said to XXXX again are you sure that I will not be reported late to the credit bureau because I 'm a stickler for my credit, and XXXX said yes, you will not have to pay until XXXX XXXX. XXXX Ocwen Mortgage reported me late for XXXX as 30 days and my score declined on my credit report by XXXX points on my XXXX credit report. I contacted my relationship manager XXXX upset about the bad report and the dropping of my credit score, XXXX informed me to see a copy of my credit report showing that Ocwen had reported me late because his recording was not showing that, XXXX asked me to submit the information to the Research Dept, I faxed the information over on XXXX/XXXX/XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX stating that I had not paid my XXXX XXXX payment. I called XXXX on XXXX XXXX disputing this and he said that they would have to pull the call to see if he had informed me that I did not have to pay XXXX & XXXX payment. XXXX XXXX XXXX agent ID # XXXX informed me that I would have to make XXXX & XXXX payment when I called in around XXXX pm to check on the status of correcting my credit report. I received another letter from Ocwen dated XXXX XXXX, in forming me that they made a mistake and that they would be correcting my credit with the credit bureau as paid as agreed. On XXXX XXXX, XXXX I was reported once again as 90 days late and my credit score dropped by XXXX points this time, which affected me from applying for a refi, and credit line increase in which I needed for my parent XXXX XXXX anniversary, and one of my credit cards decreased my line of credit. On XXXX XXXX I called in and spoke with agent ID # XXXX around XXXX am and told her the spill on everything and she stated that she did not see that Ocwen had reported me 90 days late her records was showing me current, then she asked me to fax over a copy of my credit report that was showing late I refused because I had just gone through this and mentally and physically this was affecting me, I then and asked for her supervisor. Supervisor XXXX XXXX agent ID # XXXX took over the call, and told me that they had to report me late, and I said to him I have a letter stating that I was not late and my relationship manager told me that I would not be reported late. I explained to XXXX that I was a supervisor and this was taking me away from my job as well as employees, he then wanted someone as to join the call but they could not get on the call, I decided to end the call, before we hung up the supervisor stated that once the modification period was over and I had not been late that they would then correct my credit to current. NOT HAPPY
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions I tried to either cash or use a check, but was denied by information from Certegy. 
XX/XX/2019 at XXXX XXXX tried to cash a {$190.00} check decline recommendation from Certegy, factors include check number, dollar amount, check cashing history. 
XX/XX/2019 at XXXX XXXX tried to pay for items with a joint personal check account that my wife has used in that store. Denied on recommendation from Certegy, factors include check number, dollar amount, check cashing history.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Checking or savings account

I HAVE ALREADY SUBMITTED A COMPLAINT # XXXX BUT DECIDED TO CALL CITIBANK AGAIN TODAY AND TRY TO RESOLVE THE MATTER. AS I STATED BEFORE THEY SENT ME A PROMOTION ( SEE ATTACHMENT ). I SUBMITTED MY DEPOSIT ( SEE ATTACHMENT ) AND WAS TOLD BY XXXX XXXX ( BRANCH MANAGER ) I WOULD RECEIVE XXXX POINTS SOON AFTER THE REQUIRED 60 DAYS WAS UP. AFTER 60 DAYS I CONTACTED HIM AGAIN AND HE SAID HE WOULD LOOK INTO IT AND THAT I SHOULD RECEIVE THE POINTS SOON. WELL THIS SCENARIO REPEATED IT SELF FOR SIX MONTHS. WHEN I CALLED XXXX ( BUSINESS CHECKING NUMBER ) THEY SAID I HAD TO GO THROUGH MY BRANCH FOR THE PROMOTION AND THE BRANCH SAID I HAD TO GO THROUGH THEM. ALL THE WHILE I WAS ASSURED THAT I WOULD BE GETTING THE POINTS ANY DAY. TODAY I TALKED TO XXXX? ( VERY RUDE ) TEAM # XXXX. SHE FIRST SAID I WOULDN '' T RECEIVE THE POINTS BECAUSE THEY TOOK OUT {$15.00} EVERY MONTH IN MAINTENANCE FEES. I HAD TO POINT OUT TO HER THAT ON THE PROMOTION IT SAID THERE WOULD NO FEES!!!! SHE THEN CHANGED HER TATICS AND SAID I DIDN'T QUALIFY BECAUSE ONLY {$200.00} OF MY {$5000.00} CHECK WAS AVAILABLE TO BE WITHDRAWN WHE I FIRST SUBMITTED IT. I HAVE LEFT {$5000.00} IN THIS ACCOUNT FOR THE LAST 6 MONTHS AND WAS NEVER TOLD ANYTHING EXCEPT YOU WILL BE GETTING YOUR POINTS SOON!!! I AM GOING TO CLOSE MY ACCOUNT BUT FEEL LIKE I HAVE BEEN RIPPED OFF AND LIED TO!!!!
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 Zell numerous times and reporting discrepancies my financial institution and Zelle filter to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs s findings indicate that Zelle not only neglected to protect consumers but is also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

We had a mortgage with Indymac. We attempted to refinance and discovered that the mortgage lender Indymac was in XXXX position on the title, and our HELOC lender XXXX XXXX was in XXXX position, so that made us unable to refinance. We asked Indymac to correct their paperwork, but they knew they were going to be bought out by OCWEN, so they did nothing. Once OCWEN bought our loan, I informed them of the error on the title made by the title company. OCWEN is now suing us and XXXX XXXX ( who the HELOC is with ) because our name is on the title, even though we did not make the error. It is completely unfair to be caught in the middle of this XXXX huge corporations, when we have never missed a payment or been late, and now we have even more expenses from having to hire legal representation.
Product: Credit reporting or other personal consumer reports

I tried the automated line for XXXX and Transunion, and I was denied my credit report. I called XXXX and answered " none of the above '' on XXXX of the questions, and it said I was denied. I tried XXXX more times and was denied each time. Then, I called Transunion and it was the same. I called XXXX first, and they are sending me a credit report. I need to get all of the XXXX credit reports to check my credit, since there was a data breach.
Product: Checking or savings account

My bank decided that they would close out my account when there was money pending to go into the account that I needed to pay my bills the bank claims that there was too many log in attempts and that I owed XXXX $ $ $ and change that I already paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account associated with account number XXXX, which appears on my credit report. Under 15 U.S. Code 1681o, I am asserting a claim of civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling and reporting of this account.

Upon reviewing my credit report, I have determined that XXXX XXXX XXXX has failed to ensure the accuracy, completeness, and fairness of the information being reported. Specifically, I believe that : The reported information is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX has failed to properly investigate my previous disputes, demonstrating negligence. 
The continued reporting of this account has caused financial harm, including damage to my creditworthiness, increased interest rates, and possible denial of credit opportunities. 
According to the FCRA, all reported information must be accurate, verifiable, and fair. The failure to comply with these requirements constitutes negligence, making XXXX XXXX XXXX liable for any actual damages I have incurred due to this incorrect reporting. 

I demand that you immediately remove this account from all credit bureaus or provide verifiable proof of the debt, including : The original contract or agreement with my signature, proving my obligation to this debt. 
A complete payment and balance history. 
Documentation proving that your company has the legal authority to collect on this debt. 
If this dispute is not resolved within 30 days, I will have no choice but to escalate the matter by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office.

Pursuing legal remedies under 15 U.S. Code 1681o, which allows for the recovery of damages and attorneys fees due to negligent noncompliance. 
Please provide a written response to this dispute within 30 days of receiving this letter. I request that all future communication regarding this matter be in writing. 

Sincerely, XXXX XXXX
Product: Mortgage

Our mortgage servicing was transferred to Freedom Mortgage from XXXX in XXXX. We received a call from Freedom saying there were issues on our original mortgage and they would be sending paperwork to us to fix it. I checked with our local XXXX  XXXX who helped us with the loan in the fall of 2023 and she recognized that they were trying to get us to refinance. Freedom sent us a complete package to sign and return XXXX different times. Different loan people with Freedom called almost every day asking why I hadn't returned the paperwork and I told them they weren't going to trick us into refinancing with them. I feel it was elder abuse and maybe loan fraud to approach us like they did. We ended up refinancing our loan through the original lender just to get away from Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I made a purchase back in XXXX of 2022 with the agreement to make payments until I paid off the purchases thru affirm. When it came time for my first payment it was all in my husband 's info so I had no way to make the payments. I reached out to affirm and we together decided it must have been fraud. When I realized what was happening ( my old XXXX account that I was using was attached to my ex husband account, with only his phone number and his email ) I called them back and told them what had happened and paid my bill in full. They took my payment on the phone and said I was good to go and now fully paid up. That's why I don't understand why it is still saying in my credit file that I owe them XXXX I owe them nothing because I paid in full in XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Credit reporting or other personal consumer reports

XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed in
formation. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Student loan

Hi to whom it may concern, I got a call from a person saying I have been approved for student loan forgiveness program. They asked me for my XXXX email address and then proceed to pressure me to sign up for a loan program. I didn't sign up because it started to sound suspicious and I believe that it is a scam. The company is called XXXX XXXX XXXX. Please assist.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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

I do not believe Transunion is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my report.
Product: Credit reporting or other personal consumer reports

I called Equifax and spoke to 2 reps and a supervisor about 3 Hard inquiries are on my equifax report and they refused to remove them. 

I also can not access my credit report since making my request.
Product: Checking or savings account

I have had few wire transfers coming in to my account on Friday of last week. 
Im in the process of buying a home. 
When I went to the branch to make a wire transfer to the escrow lawyer company. 
Citibank froze my account and are not giving me access to any of my bank account stating they will close my accounts and send me a check that will take 30-60 days in the mail.
Product: Mortgage

My home loan was sold to PHH Mortgage and they didnt set up an escrow account, causing our home insurance to be canceled. Theyre non responsive.