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

I am filing this complaint because XXXX has refused to remove inaccurate items from my credit report despite my repeated requests, proper verification of my identity, and compliance with all required procedures. The disputed items are linked to a report I filed with the FTC for identity theft. Despite providing XXXX with proper documentation and requesting the original documents bearing my wet ink signature, XXXX has failed to deliver the requested documents or adequately verify the debt as required under the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint to XXXX around XXXX of 2024, in response to which XXXX only provided a statement of charges but did not supply the original signed agreements for the alleged debts. These items are not recognized by me and may have been tied to personal information exposed in the widely reported XXXX and XXXX XXXX XXXX data breaches. 
This situation violates my rights under the FCRA, specifically : Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation when a dispute is raised regarding the accuracy of information.

Section 609 ( a ) ( 1 ), which provides consumers the right to access all information on file related to them.

Section 605B, which requires credit bureaus to block disputed items resulting from identity theft within four business days upon receiving proof of identity theft, including an FTC Identity Theft Report. 

XXXX refusal to act in accordance with these laws constitutes a failure to fulfill their obligations. Additionally, Experians lack of genuine investigation aligns with ongoing complaints against them, as demonstrated by the CFPBs recent lawsuit against XXXX for inadequate dispute investigations. 

I am requesting that XXXX remove these inaccuracies from my credit report immediatelyno later than XXXX business daysper the timeline set forth in FCRA Section 605B. This situation has been ongoing for far too long, negatively impacting my financial health and trust in XXXX practices. 

Failure to address these inaccuracies promptly reflects poorly on XXXX adherence to federal consumer protection laws and reinforces patterns of negligence that already make them the subject of regulatory action.
Product: Mortgage

SP Servicing has been overcharging on taxes and insurance. They don't return phone calls and refuse to let me talk to a supervisor. I have reached out to a HUD Counselor in the XXXX XXXX by the name of XXXX XXXX. They give her the run around for the last XXXX weeks. Starting with the XX/XX/XXXX payment they are overcharging by XXXX monthly. The record indicates that I have paid all the taxes that were due for XXXX for the exception of XXXX. I talked to a relationship manager, then to a supervisor named XXXX, employee id number XXXX. She was supposed to refer me to a manager, but then came back to phone and said manager will call me back today, XX/XX/XXXX. I will not be surprised if they don't call back. Just like they claimed they called me on XX/XX/XXXX, but if they did they did not leave message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over XXXX years an it has not dropped off yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 A. States I have a 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 then seven years.

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

XX/XX/2020 at about XXXX in XXXX Texas Texas I was asked for a loan of $ & XXXX through XXXX by a coworker. After I sent partial loan amount {$300.00} through XXXX  I sent through chase XXXX  {$520.00}. Less than an hour later I find out my coworkers phone had been hacked and was asking all his contacts for money. I was probably the only one who paid. Not sure exaclty. Contacted my bank right away but the was rejected a refund. XXXX contact information is no help at all. And XXXX  XXXX  is reviewing my refund request.
Product: Vehicle loan or lease

this account is more than Seven old and by law Bridgecrest will not take it off my credit file
Product: Money transfer, virtual currency, or money service

Please can you help me? 

XXXX have send me an email that they will send my transferred XXXX euro back to my bankaccount because they could not verify the name of my bank. XXXX Very strange because I send more than ones money from my bank account to XXXX. XXXX promised me in an email from XXXX XXXX XXXX to send the money back. But XXXX months later and lot of emails nothing send back or put it correctly in my Coinbase EUR wallet. 

I am desperate and I do n't know what to do. 

My name is XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with Chase to pay off a charge off that I was no responsible for due to a previous company I worked for that closed and had used this card as my company card. After years of fighting with the company, I decided to work with chase and settle the debt to just make it go away as it was ruining my credit. I completed and paid in full. Chase acknowledges, yet, has not updated my credit report and will not send me anything via proof wise so I can continue with a pending home purchase. They noted they would send something in the mail, but to date, they still have not mailed anything. I called again letting them know the situation and the loss of a home and deposit due to them not sending me proof that I did the right thing and paid it off and they were very unmoved by any of it. So now, I will lose so much because they just can't be bothered to report timely.
Product: Checking or savings account

It looks like someone hacked my cellphone and logged into my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. I immediately reported to the customer service on same day around XXXX but he told me to leave a message to claim department because the claim department is closed. So I left a message and called early morning in next day and made a claim on XX/XX/2021. I received first responds around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided police report and federal Identity Theft report to show my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. Even though their IP record shows that someone logged in from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never used, they still don't take my case as a fraud. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question.
Product: Debt collection

I have an loan approval for solar panels which included the battery... later decided not go with battery.I did not get any new documents for signature but the loan company is charginh the XXXX for tge loan approved for battery
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with OPPLOANS/XXXX. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. 
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that give an identity theft victim document related to an account if the victim asks. Please send me copies of all records relating to this account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with this account Records of phone number used to activate or access this account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done. Also do the following.

Stop collection proceedings against me Stop reporting false information about this account to credit reporting companies Provide me with the records I request Thank you for your cooperation
Product: Debt collection

According to my XXXX XXXX XXXX I owe the following : All from XXXX Account XXXX billed for {$960.00} and I owe {$730.00} Account XXXX billed for {$2200.00} and I owe {$730.00} Account XXXX billed for {$2700.00} and I owe {$810.00} Account XXXX billed for XXXX total amount owed. 

I'd like to pay the {$2700.00} by credit card today. Other charges received XXXX XXXX is still waiting on information to process. 

Thank you
Product: Credit card

Have had this credit card for approximately 30 years and the service was fine until last XXXX od 2022. Since that time I have had several fraudulent charges and trying to resolve is nearly impossible. I am XXXX XXXX XXXX with XXXX XXXX XXXX and the customer service system that Citi uses is horrendous, As a retired AT & T manager I did some investigation and Citi uses XXXX  with VOIP for its customer service system and its quality of transmission is extremely poor. Trying to settle the problems is nearly impossible and even after sending several emails and letters there is still outstanding problems. 
Since XX/XX/2022 I have had more than a half dozen fraudulent charges, new cards issued and nothing significant has been done to solve the customer complaints. Their customer service is terrible and some charged have taken over 6 months to resolve. New cards only create significant problems for the customer to inform all the various companies the cards are used for. 
The need is two fold, an improved customer service and why so many fraudulent charges? I have been a good customer all these years and am being treated poorly. I expect better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX
Product: Credit card

-Purchased a ring in XX/XX/XXXX from XXXX XXXX XXXX a promotional period of XXXX  % interest for XXXX  months through Comenity Bank -Purchased a watch on XX/XX/XXXX from XXXX XXXX under a XXXX  % interest for XXXX  months through Comenity Bank XXXX XXXX XXXX stated that the PROMOTIONAL PERIOD WOULD BE EXTENDED. 
-XXXX  XXXX the interest charges of {$2600.00} were applied -Spoke with Comenity bank on XX/XX/XXXX and they stated that they are separate promotional periods and as a result the previous balance would need to be paid off or interest charges would be applied. The FULL AMOUNT OF {$1500.00} WAS GIVEN and PAID OFF on the account. 
-XXXX  XXXX in addition to the payment was Advised by Comenity Bank to dispute the charges via their website and also a letter. 
XXXX XXXX, there is no resolution to clear the account and are now adding additional charges.
Product: Mortgage

Lender improperly moved for foreclosure judgment or sale before   one of the following occurred : ( i ) the institution notified the borrower that it had denied the loss mitigation application for any loss mitigation o and if an appeal is available, either the appeal period had expired or the appeal had denied ; ( ii ) the borrower rejected all the offered loss mitigation options ; or ( iii ) the borrower fails to perform under a loss mitigation agreement ( 12 CFR 1024.41 ( g ) ).
Currently in review for modification and citing " dual tracking ''.
Product: Credit card or prepaid card

After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Discover and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the accounts continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: Mortgage

My home mortgage was transferred from Cardinal Financial to XXXX with absolutely no notification, instructions, or any form of communication whatsoever. 

I just started receiving suspicious letters from XXXX saying I had a banking account with them and needed to send them all of my personal sensitive data to finish setup of my account, which I didn't set up and had no knowledge of. 

I called XXXX, but my call kept getting dropped, by XXXX 's customer service center, to the point that I couldn't talk long enough with a representative to make any progress on assessing whether these suspicious XXXX letters were legitimate or a phishing scam. 

I checked the loan activity in my Cardinal account and saw that the most recent entry indicated a loan balance of XXXX, and also indicated the loan was removed due to release. I have received NO notification of this. 

I have no idea what is going on, if the loan has been legitimately transferred, if I should keep paying to the same place, if I need to pay through a new service, if my loan will be overdue if I don't pay to the correct institution ( if it has in fact been transferred ), etc. 

All I can ascertain is that a huge debt that is in my name and for which I am responsible for, has disappeared from the account where I've been able to access and service it. 

I've already wasted too many hours of my life trying to run this problem down with big institutions that don't seem to be even remotely concerned. Though, the second my payment is late, then they'll be concerned. 

I've worked very hard, been very responsible, and upheld my end of the mortgage agreement, only to have Cardinal and XXXX fall very short on their end. 

Cardinal and XXXX, shame.
Product: Mortgage

I have been trying to explain to the SLS Mortgage company that I do not need to pay escrow on my mortgage payment. I pay my insurance separately and my home is tax exempt as a " parsonage '' to the church. So I simply started paying my mortgage payment minus the escrow amount. So now this company consistently takes the escrow out of my mortgage payment anyway which is causing my payment to show up as late or a " partial '' pmt. Yet the escrow balance is very high!! From the very beginning I have been trying to get someone to listen to me and understand my situation buy NO ONE will!! They asked me to send a written request to remove the escrow payment with proof of the above situation, which I did, but then they refused me and will not do as I ask and turned down my request with a totally unsubstantiated reason for doing so! This has caused my credit rating to be greatly reduced and now I am not even able to try and re-finance my home with a different company because they have ruined my credit rating unnecessarily!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ABSOLUTELY FURIOUS WITH EQUIFAX, I HAVE BEEN REACHING OUT TO THEM FOR OVER 1 MONTH REQUESTING REMOVAL OF THESE FRAUDULENT ACCOUNTS, THEY SAID THEY WILL REMOVE THE ACCOUNTS YET IT IS STILL REMAINING IN MY CREDIT REPORT, AFTER IT ONLY TAKES 24 HOURS TO REMOVE FRAUDULENT INQUIRIES. THEY HAVE MY FTC IDENTITY THEFT REPORT ON FILE AS WELL. I AM FURIOUS WITH THEIR CUSTOMER SERVICE. THEY HAD A DATA BREACH LEAKING OUT MILLIONS OF SOCIAL SECURITY NUMBERS AND PERSONAL INFORMATION, AND THEY HAVE THE NERVE TO TREAT CONSUMERS THIS WAY!!!!! I HAVE BEEN SO PATIENT WITH THEM BUT THIS IS GETTING RIDICULOUS ALREADY, THEIR DEPARTMENTS ANSWER THEIR PHONES AFTER 2 HOURS OF STAYING ON THE LINE, AND IM SICK AND TIRED OF CALLING AND GETTING NO RESOLUTION, I HAVE ALSO SUBMITTED FRAUDULENT DISPUTES ONLINE AND STILL HAVNT GOTTEN ANY RESOLUTION.!!!!! I HAVE LISTED THE INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/2020 XXXX  | Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' I C SYSTEM and ATT U VERSE is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I C SYSTEM and ATT U VERSE the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, I C SYSTEM and ATT U VERSE whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., I C SYSTEM and ATT U VERSE never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance has my credit reporting XXXX, and XX/XX/XXXX these dates are showing 30 days and 60 days late on my credit report. XXXX and XXXX haven't properly investigated my complaint because I have attached proof and they totally disregarded the proof I sent. Some of the late remarks were in deferment and I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.