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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Since the dissolution, by divorce, in XX/XX/2019, of the marriage with XXXX XXXX, and the resulting property settlement, which placed the property in my sole ownership, I have tried to remove my ex husbands name from the mortgage loan. For New Rez in care of XXXX Mortgage Service, which this complaint is against, unlike for XXXX XXXX  and XXXX XXXX which have received the divorce settlement documents and responded by removing my ex-husbands name from the mortgages they hold, New Rez has demanded a 1 % fee to remove XXXX XXXX name. The latter two mortgage companies just responded to the judges ruling and removed his name. I do not know where my ex-husband is. I do not have contact information on him. Therefore, regular business requiring his signature such as a forebearance plan, a refinance, a sell, or any other normal business activities can not be accomplished.

During the covid 19 pandemic many financial hardships are being dealt with and I think to require a 1 % fee to simply drop XXXX XXXX name from the mortgage, as other mortgage servicing companies have done, is gouging and is taking advantage of the consumer. The letter they sent requires the fee be no less than {$400.00} and no more than {$900.00}. Their letter states a 1 % of principle fee which in my case would be {$140.00}. so it is more like 3 % in my case. Not only that but their instructions require all borrowers signatures which is impossible because, as already stated, I do not know where XXXX XXXX is and have no contact information on him. There is every possibility that I may lose possession of this home since this month I asked for a forebearance period on this house. At the end of the forebearance period they will no doubt ask for his signature on documents which I will not be able to provide. This mortgage servicing company is using this request as another income stream. This procedure was not disclosed on the mortgage document at signing of the mortgage documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent inquiry on my credit report that resulted from a recent data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiry be removed from my report : Fraudulent Inquiry XXXX XXXX XXXX XXXX Date : XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation in regards of late payment on XX/XX/2024. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Debt collection

Contacted on X/XX/17 informed company this debt is not mine I never signed a lease, I was never a lease holder. Please do not allow this on my credit report incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : 1. XXXX  Account Number : XXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing about my transaction with Zelle through XXXX XXXX XXXX handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. They never investigated my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I notice that XXXX fraudulently put an account on 3 of my credit reports. I did not do business with nor give them permission to put anything on my credit report.
Product: Debt collection

I received a notice on XXXX XXXX that I had a collection for a bill dated XXXX XXXX, XXXX I think, when I called the Hospital to as about this alleged billed the Hospital denied knowing anything about any bill in my name since I have never been there. I have lived in another Country since XXXX and only return to america once a year.I had disputed the same bill from a different collector a few weeks before which was proved false now a new company is trying the same thing and affecting my credit.Each year this same amount ( {$220.00} ) seems to appear over and over again. Please resolve this issue it is a fraud.
Product: Credit reporting or other personal consumer reports

Discover reported my payment as late back in XXXXXXXX XXXX XXXX. I called immediately as I had not received a single notice of the payment delinquency despite it being over 30 days late. They claimed that I was under paperless billing, but received no communication from them regarding this delinquency. 

After speaking with the agent and looking into things further, they confirmed that they had the incorrect personal information including my home address, which is what I had initially had my statements being sent to. They claimed that they don't send any correspondence regarding late payments, which the attached email proves incorrect. Before this I had never had payment history issues with Discover.
Product: Bank account or service

Not long ago I signed up for a new bank account -- checking and savings -- with USAA XXXX. I 've had auto insurance with this company since active-duty service XX/XX/1980. I 've also had XXXX secured loans from USAA for about {$2500.00} that I paid back on time. Since opening these bank accounts, USAA has denied me a secured loan, and denied a credit card, also. My XXXX score is right on the line, XXXX, and my history of all mortgage and auto, credit cards payments, is all good for years now. Also, my primary bank XXXX, XXXX XXXX XXXX XXXX, recently approved a {$3000.00} credit increase to my XXXX XXXX Credit Card, based on my credit history with them. So USAA is wrong on this and I want this error in their judgment addressed so that I can justly receive a credit card with USAA. That is fair.
Product: Checking or savings account

On XX/XX/year> I received a call from the Wells Fargo customer service indicating there was potential fraud on my account. The caller sent XXXX verification texts from XXXX. The first verification number was XXXX and the second was XXXX to confirm my identity. Caller stated there were XXXX withdrawals set to transfer out that day. XXXX in the amount of {$1900.00} and XXXX for {$2000.00}. Caller stated he stopped the debit card and issued new card. I did not call in and request a new card. Caller stated that upon activating the new cards, all funds would remain in the account. On XX/XX/year> the funds were not in the account. I went down to my local branch and was told to call the Wells Fargo XXXX department, which is what I did. The Wells Fargo XXXX department issued XXXX credits in the amount of {$1900.00} and XXXX for {$2000.00} and indicated they will begin an investigation. On XX/XX/year> I received a letter from Wells Fargo indicating they feel there was no fraud and took the credits back, resulting in my account being in the negative, thus, having transactions in my account being refused for nonsufficient funds. I provided sufficient evidence that the caller used the Wells Fargo Identity Verification System to create fraudulent transaction within my Wells Fargo account. Wells Fargo absolutely allowed this fraud to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account charged off. {$3400.00} written off. {$4000.00} past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX to XX/XX/XXXX current and XX/XX/XXXX to XX/XX/XXXX delinquent and a past due balance and charged off XXXX does not have the account listed TransUnion show no payment history and charged off All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX
Product: Mortgage

Bank of New York MELLON managed to scoop my mortgage up in pooling and servicing as XXXX fell apart and Bank of New York merged. They did not however, file the appropriate paperwork ACTUALLY transferring my mortgage and despite innumerable Qualified Written Request submitted to XXXX and XXXX XXXX XXXX ( I did not even know WHO my servicer was ) I noted this on file at the CIty if XXXX filed literally less than a week AFTER I submitted my Qualified Written Request served upon XXXX XXXX XXXX. Upon discovery and filing of foreclosure by the same ( XXXX XXXX XXXX ) I was made aware that XXXX, who I had been dealing with previously has sold me almost immediately after the XXXX XXXX merger, but that the appropriate XXXX documents had NOT been filed appropriately. Despite a $ XXXX settlement imposed by Attorney General XXXX, which was documented in an article from XXXX of XXXX by XXXX XXXX, it seems they have NOT made any appropriate remediations to the CUSTOMERS whom they defrauded. Withe he FACT that BNY will also pay {$330.00} XXXX to resolve private class action lawsuits filed by the Bank 's customers, my loan was NEVER addressed, nor was I ever made aware of the action. They have clearly committed fraud, should be held accountable for XXXX violations and be brought up on further racketeering charges ... .. I was just one small person who became a victim of their fraud and am now facing homelessness because of Bank of New York/Bank of New York MELLON fraud and complete failure to adhere to SEC regulations. 
Additionally National Mortgage News reported the fact that XXXX XXXX unit should pay the maximum of {$2.00} XXXX in penalties for selling defective mortgage loans to XXXX and XXXX XXXX in the run-up to the XXXX financial crisis, the U.S. says. 
I do not know HOW it 's possible with THIS much fraud going on in the background that the consumers ( some unknowingly ) became wrapped up in without knowledge of consent, should become the victims of. This is sickening to the core. That unwitting victims who paid their mortgages, yet the 'servicer '' refused to correct or make amends to were sold and shuffled around like cards in a game of poker ... ... this is fraud at its finest. The fact that the FDIC, OCC, Attorney ; XXXX General and more ... .. did NOTHING to assist or reach out to the consumers who thought they were doing the right thing is simply nothing more than proof of a cover-up and enabling these companies to further defraud consumers. What these companies did AFTER defrauding customers and shuffling them through " foreclosure mills '', left unwittingly to be further victimized by " the system '' was simple ; y adding insult to injury. For those who did not know what the legal rights were, unless they spent countless hours searching, reading and trying to understand what was happening to them, they were left to fall prey to losing their homes, illegally and fraudulently.
Product: Student loan

I am in the process of buying a home. My private insurance company will not give me a letter proving that I am currently in deferment with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBS Collections has received disputes for the account entries reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CBS verified the debt ; however, CBS has  yet to respond to both of my requests made to them sent certified mail. My certified receipts validate that both letters were received by CBS.  These erroneous, inaccurate, unverifiable entries on my reports are violating my consumer rights and has caused me denials for credit. 

In my most recent communication to CBS, I requested they provide a copy of the financial responsibility page, a copy of the alleged signature of the alleged provider of service to release any medical information, and cease any credit bureau reporting until the debt has been validated by me. To date, CBS has not provided any documentation that validates their allegations, nor the derogatory reporting they continue to do. 

Please see attached documents that reflect my attempts to communicate with this company as well as my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CBS has never sent any correspondence to me notifying me that I owe an alleged debt is a direct violation of my rights. Blatantly inserting an entry on my reports and not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

my score wend dow 42 points ( Only Transunion ) 3 inquiries and all claim they did not request credit info I am not in system XXXX XXXX XXXX XXXX Only other item XXXX XXXX upped my credit line by {$200.00} for good payment history. Can not get a hold of XXXX XXXX, they are the ones that gave the info to transunion. I have been trying to repair my scores and not they drop it after months of it going up. no one seems to know why or when and they all act like it is no big deal It is to me please help
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) 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 Personal loan account account at ( XXXX ) the account number ( XXXX ), opened XX/XX/year> an installment loan account opened at ( XXXX XXXX XXXX ) on XX/XX/year> under the account number ( XXXX  ), and an collection account ( portfolio recov assoc ) ( XXXX ) opened on XX/XX/year> with a balance of ( {$2500.00} ) and 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: Credit reporting or other personal consumer reports

There are a few Inquiries showing on my Experian Credit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent Experian letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never ever applied with this Companies for anything and I request that Experian please either send me the supporting docs to validate this and or remove them from my report immidiately
Product: Payday loan, title loan, or personal loan

I opened an account with different options for this financial service ; 1. the deduct Money monthly and distribute it to different funds based on my risk election 2. The lend money through small installment loans that were first of all not to suppossed to be attached to credit On the 2nd option I paid off my first loan no problem, the 2nd time around they stopped taking my payments however they were taking them just not accounting fro them and one day they closed my account, they continue to take money out of my account and I can not put a stop to it, nobody answers their phone and this is becoming a nightmare that is now affecting my credit and they continue to take money from me ...
Product: Checking or savings account

( 1 ) Id like to know why the company blocked my card Thursday XX/XX/XXXX and whether this really was to verify suspicious activity or to play for time while they decided what the available balance should be and frustrate purchases denying access to my funds. Its noted that the company took approx 6 days to restore access to their online banking portal then claimed their concern was an attempted XXXX purchase. Whats suspicious about a sandwich purchase? 

( 2 ) Has the company been exchanging and/or receiving information about me including accounts and requests from XXXX XXXX , an unaffiliated company and why do they not respect consumer privacy? 

( 3 ) The company marks debits as pending while they make those funds immediately inaccessible to the consumer so the transaction are processed for the purpose of reducing the available balance. However, when they deem credits to the account as pending they treat these incoming funds as inaccessible and not posted for several days again, reducing the available funds in the account. Therefore their treatment of the term pending is misleading, inaccurate and seems intended to deny me access to funds in the account at every opportunity. 

( 4 ) Per my first complaint via the XXXX to the company, their representative XXXX in the Corporate Office has never answered the phone. She indicated again XX/XX/XXXX that she would call today XX/XX/XXXX but I waited for the entire day and she neither called nor answered the phone at the number provided when I tried to reach her. The company therefore shows no genuine interest in making this right, addressing the issues or compensating me for inconvenience, breach of privacy and misleading information.
Product: Debt collection

XXXX or Allied continued to report an open collection with them from XXXX. This collection had been moved from them by XXXX back in XX/XX/2016 and they were still reporting to my credit as of XX/XX/2016. When I notified them they refused to provide me with documentation from them stating that it was still being reported by them to the credit bureaus erroneously. Even after I informed them that this error on their part was jeopardizing my job.