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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have not sent me my annual credit report. I've requested my credit report three times over the phone. 
This is my second compliant on this matter. All the credit reporting agencies sent the report after compliant was filed.
Product: Mortgage

I have pictures of property at XXXX XXXX XXXX XXXX New York XXXX At the time I was in contract the building had a fire I made an agreement with the buyer that I will get the proceeds from the claim. 
See below the notice I sent for my mortgage company PHH mortgage with all the documents they are just ignoring my emails and calls no one to talk to. 

Please help me out Re : XXXX XXXX. XXXX, Account of XXXX XXXX ; XXXX Claim No XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX purchased XXXX XXXX XXXX, XXXX, New York on XX/XX/2023 from the heirs of XXXX XXXX. The heirs are XXXX XXXX and XXXX XXXX XXXX XXXX Attached is the recorded deed and satisfaction of mortgage. 

Prior to the closing, XXXX issued a check on or about XX/XX/2023 in the amount of {$81000.00} payable to " PHH Mortgage Services For the account of XXXX XXXX. '' Attached is a letter from XXXX to XXXX XXXX XXXX dated XX/XX/2023. 

The rights to receive insurance proceeds in the amount of {$81000.00} were assigned to XXXX XXXX XXXX per the attached written assignment dated XX/XX/2023, executed by XXXX XXXX XXXX and XXXX XXXX XXXX and countersigned by XXXX XXXX XXXX 

We understand that the check in the amount of {$81000.00} was forwarded by XXXX XXXX XXXX to PHH Mortgage Services, and yesterday, XXXX Claims Examiner XXXX XXXX, whose name appears on the XXXX letter dated XX/XX/2023, confirmed to my client that PHH had deposited the check. 

XXXX XXXX XXXX is requesting PHH Mortgage Services to turnover the insurance claim proceeds in the amount of {$81000.00}. 

XXXX XXXX XXXX 's address is XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, New York XXXX Please let me know if additional information is needed. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019 I received an email from XXXX XXXX   stating that I applied for a credit with XXXX XXXX   XXXX FL XXXX which I did not do.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Vehicle loan or lease

Car was sold at aution not sure why a balance of {$9200.00} remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, CEDIT BUREAUS AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. XXXX had to correct the same situation 2 months ago and now Equifax has lowered my score. It is a domino effect that snowballs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been paying my daughter 's student loans for the past 20 years and I have never been missing a payment. Throughout the years I received notifications of the loan being sold to various service industries. The original loan amount was $ XXXX and change and after 20 years, the balance is $ XXXX and change. This is not right and I would like the consumer affair to conduct an investigation into the US Department of Education and its servicing industries. 
My daughter attended the University XXXX from XX/XX/XXXX to XX/XX/XXXX, I started repaying her loans immediately after. I am barely making ends meet, near the end of my life and do not think I will be able to payoff this loan, however, the number of payment I have so far made is double the original amount and I would really need an investigation to be made into the manner loans are being managed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX.  They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
Product: Credit reporting or other personal consumer reports

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports
Product: Credit card or prepaid card

My card was stolen and I called to report it they gave me credit then froze my card and have been taking my money for months now the whole time I was receiving unemployment they took all my money and I've lost my place to live and have nothing my money is being stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX XXXX XXXX Report 3-Identity Theft Victims Complaint Affidavit 4- XXXX Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX balance says {$8100.00}, the other says 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX Account number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am 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 ( XXXX XXXX ) and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

This late payment doesnt reflect my consistent payment history. Please remove it and update my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted XXXX and Trans Union the same day. I was informed a second loan application had been made and that both were obviously fraudulent. XXXX assumed me they would seek to removed the inquiries and I have written Trans Union three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
XXXX XXXX XXXXXXXX credit card inquiry on XXXX JP Morgan Chase Bank credit card inquiry on XXXXXXXX XXXX XXXX  credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX
Product: Checking or savings account

my previous 4 complaints on the same matter are not being addressed by Wells Fargo. There is a person named XXXX XXXX ( XXXX ext XXXX and goes to the mtg dept of all things ) who keeps telling me that " I am researching/we need time/I will make a decision soon '' etc. This is from XX/XX/2023. The 2 USPS money orders that they stolen from me are postal receipt # XXXX for XXXX and postal receipt # XXXX for XXXX Sign on the wall of the post office says " USPS money orders are cash instrumentals, protect them as you would cash ''. Wells Fargo has stolen about XXXX from me. BTW, the checks were cleared for payment to Wells Fargo and in my account about 3 days after the deposit. THEY ARE GOOD CHECKS!!! Why is this so-called bank stealing my money? I want to know the criteria they use to decide that the checks were fraudulent. Who is in charge of the fraudulent check department..Name..experience?? It's almost 2 months AND I WANT MY MONEY BACK YESTERDAY.!!! I sent them photos of the 2 money order receipts and photos of the paper receipts I bought them with. I used my bank debit cards to purchase these money orders. These checks cleared 2 days after the deposit and were in my acct on hold. Then like magic, they disappeared!!! Cleared checks that are being held from me!!. is Wells so hard up for funds? I know their track record on fraud and what they have done to thousands of customers in the past. Im not going to be one of them ... a new claim for them? ..holding cleared checks from a law-abiding citizen. Is this a new scheme??? I can go to small claims court in NY if I have to. They will not get away with this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from Equifax.. 
XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Mortgage

In XXXX of XXXX I sumitted my payment, as usual. 
On the XXXX, of XXXX Rushmore called stating that payment was not receive. 

Rushmore receive my payment, stamped my check, with a stamp from XXXX. 
And stated that they did not Receive Such payment. 
that check was sent to the address, I always sent my check to. Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX. 
Till today XX/XX/XXXX they are still claiming that they did not Receive that check. 
They change the account #, number just not to applied the money to my loan. 
return or applied that XXXX to my loan. 
Rushmore also stole my monies from my escrow account.. ( XXXX ) from the month of XXXX to XXXX. Rushmore started a new account, effective XXXXClaiming that the principle owed on my account is {$140000.00}, that is not so the principle owed from XXXX to XXXX should be {$140000.00}. proof of insurance was always submitted. they claim that proof of insurance was not submitted for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX As a Federally protected consumer, I have noticed several violations to my rights Also several of my accounts are inaccurate. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details. 
( 2 ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a proper investigation. I was told accounts was verified. They failed to provide with a copy of any viable evidence anything bearing my signature.
Product: Credit card or prepaid card

On XX/XX/22, our daughter lost her Chase visa credit card in XXXX where we reside but we thought it would turn up in her car or in her room because there were no suspicious charges immediately after losing the card. Then on XXXX, 2 weeks later, unauthorized charges started appearing that took place in Washington DC totaling approximately {$800.00}. Upon discovering these fraudulent unauthorized charges, I phoned Chase immediately and they said they would review my claim and would temporarily remove the charges. I never heard another word about the claim until I noticed the {$800.00} worth of charges had been reapplied to my account- there was no email nor letter informing me of this reapplication or the result of their fraud investigation. 
After numerous conversations with various departments, they have refuted my claim. These charges were absolutely NOT made by any member of our household and were most definitely UNAUTHORIZED by any of our family members. 
Upon doing some subsequent research, I am under the impression that we should be protected under the Fair Credit Billing Act and should not be liable for more than {$50.00} for the unauthorized/fraudulent use of our credit card. 
Thank you for your assistance to this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by a person, using the Wells Fargo phone number, asking me to assist in a fraud detection at the bank, asking me to transfer {$44.00} to an undisclosed bank in XXXX XXXX. As I started doing it, I realize it was a fraud operation. Run to the bank to place a stop payment. Although that operation was done, the bank proceeded to transfer that amount without my consent. 
I contacted the receiving bank, who promised to withhold the release of the fund, something that did not occurred. The funds were released without me being able to stop the operation. 
I had several contact with the bank, who ended being a bank in XXXX, with no result. 
Contacted Wells Fargo, the FBI, and the local police. 
I received a confirmation from Wells Fargo that they were promising a prompt action. 
That never occurred.
Product: Credit card

I have called Citi a total of 13 times in a span of 2 months, in hopes of settling my charged off account. My initial call as on XXXX where I stated what my objective was. They stated that my account wasnt opened in which they needed to forward it to send a request to have it opened. They told me to call back in 5-7 business days. When I called back on the XXXX XXXX, there wasnt any progress and told me to call the credit bureau to pay them. This was false information after contacting them. I called back on the XXXX and there wasnt any progress at that time either. I requested to talk to a manager at internal recover department. They kept telling me to call back in XXXX business days for an update. So I called back again on XXXXXXXX XXXX  XXXX XXXX, and XXXX with no different alternative but to keep calling back. They explained it usually just takes 7 days for an account to open and couldnt provide a reason for the delay. I kept calling back on XXXX XXXX, and XXXX with no progress or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an inquiry in my credit report XXXX that wasn't authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX I submitted a dispute to Experian due to fraudulent information appearing on my report. Experian removed the fraudulent information but they also removed information that is correct and I was not disputing. On XX/XX/2019 I received notice that an account with XXXX/XXXX XXXX was removed. This is an account on which I am an authorized user. It is a legitimate account. It should not have been removed.
Product: Credit reporting or other personal consumer reports

tried disputing accounts with credit bureaus asked for a detailed description of how they investigated and verified accounts.
Product: Credit reporting or other personal consumer reports

Now I have discovered that the item XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the XXXX XXXXXXXX XXXX, and the XXXX. 
The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile. I will be corresponding with the Consumer Financial Protection Bureau as we resolve this Incident.