23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

4 ) Seterus inc acct # XXXX was never late! The XX/XX/XXXX payment received by Seterus on XX/XX/XXXX was not posted to account until XX/XX/XXXX. No payment was reflected has been paid for XX/XX/XXXX and XX/XX/XXXX but I have paid every month since the origination of loan. Seterus claim that my payment of {$960.00} ( for over a year ) was a partial payment due to an increase in my monthly escrow! They claim they sent me a letter but I never receive an analysis or oppurtunity to pay the shortage upfront according to Consumer finance regulatio 12CPR part 1024.17 ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXXXXXX. 
Account Number : XXXX This is not mine. 

3. The status is incorrect for the following account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account JPMCB HL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Debt collection

This is my 3rd complaint on this collection agency XXXX XXXX Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX 
www.fdscredit.com

I have advised them on several occasion that this debt is not valid and does not belong to me. I filed a complaint and Identity theft report with the federal trade commission, WHICH i FAXED OVER TO THEM and I demand they remove these accounts immediately from my credit file.
please see email response......
XXXX XXXX 
To	'XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Please acknowledge you received my fax...HIS RESPONCE
On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX
www.fdscredit.com
Product: Debt collection

Since XX/XX/2018, I have received repeated calls to my home and work from Midland Credit Management , Inc. concerning a XXXX  Account. I have asked them to provide me with following to support the allege debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting / statement of payments with interest, fees. This information has not been received and the repeated calls continue to be excessive and is jeopardizing my employment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use Zelle to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank Zelle email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. 

This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your Zelle account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from Zelle user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on.

For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. 

Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. 
Instant {$650.00} USD into your Zelle account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a Loan with XXXX of XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX 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: Debt collection

In the past couple of weeks I have received several phone calls and emails stating that I oe a debt of {$37.00} to XXXX from TrueAccord. I verified with XXXX that I do not owe anything and am up to date on both of my accounts with them. XXXX has taken a report and recommended that I do not respond as this is fraud. However, I would like it for TrueAccord to stop calling and emailing me with this fraudulent information.
Product: Credit reporting

I went online to Equifax credit report and after fully identifying myself, informed Equifax that they were showing XXXX ( XXXX ) incorrect previous addresses on my report. The addresses were ( 1 ) my mother-in-law whom I never lived with. ( 2 ) my daughter, whom I never lived with, and ( 3 ) my previous work address that I have never used as a residence. After reporting these error on their online form, they incomprehensibly asked me to forward to them, a copy of the following documents:1. Valid drivers license2. S.S. card or XXXX form3. Utility billI can understand this request if they were verifying my current address, but considering that none of these documents have anything to do with the erroneous information on my credit report, I question the inconvenience of the means in which they want me to resolve this issue.
Product: Checking or savings account

I opened a dispute with my bank under the claim number XXXX on XX/XX/ I explained when I opened the claim that im living for 4 months abroad so I there is anything needed to proceed with the claim they MUST contact me by phone email or fax. 

Until now I dont have any update about this case, so I calle customer service a couple of days ago and I was requested to send an email requesting the documents that must be signed. Nobody answer Today XX/XX/XXXX I called again and spoke with the supervisor who gave only excuses to do more slow and burocratic the case. He said that claims department cant be reached by phone, they only can call back but not to an international phone number. Also he said tthat they cant send the documents trough email or fax ( but they request to send it back that way ). 

I really dont understand all this complications to the customer. Please proceed with the claim eficiently and if you need something to be sign please send it to my email or fax on file, make it easy not difficult,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, an apartment debt collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts a
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FIN SVCS LLC XXXX Date opened XX/XX/2016 Balance {$1900.00} I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 making payments to Navient faithfully out of my checking account and my entire tax return was taken for student loan repayment. However, I had called multiple times to see WHY this was going to happen and they said that at one point I ahd defaulted. I am currently on government assistance, with XXXX children working a full time job and they will not lower my interest rate, and take almost XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I am writing to file a formal complaint against American Express for the denial of my application for a personal Platinum Card, which I believe may be in violation of the Equal Credit Opportunity Act ( ECOA ). As outlined by the ECOA, lenders are required to evaluate credit applications without discrimination based on race, color, religion, national origin, sex, marital status, age, or income derived from public assistance. Furthermore, under the ECOA, applicants have the right to be informed of the specific reasons for any denial of credit. 

On XX/XX/year>, I applied for the American Express Platinum Card. I am a responsible credit user, maintain a strong financial record, and meet the published creditworthiness criteria for this card. Nevertheless, my application was denied, and upon contacting American Express for an explanation, I received a vague and unsatisfactory response that did not provide a clear or specific reason for the denial. 

The lack of transparency raises concerns about potential discriminatory practices in the evaluation process. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate American Expresss practices to ensure full compliance with the ECOA. As a consumer, I am entitled to clear and detailed information regarding credit decisions. Therefore, I also request that American Express be required to provide a specific reason for the denial and that they reassess my application based on fair and non-discriminatory lending criteria. 

This denial has affected my ability to access credit resources for personal needs, and I believe that it may not have been handled in accordance with the ECOA 's requirements. 

Thank you for your attention to this issue. I look forward to a prompt response and resolution from both the CFPB and American Express. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX XXXX acct # XXXX. This account is saying, opened XX/XX/XXXX and closed XX/XX/XXXX. This account was disputed several times within the past 2 years. Now it's well over 7yrs old from the first delinquency date of XX/XX/XXXX. Also, XXXX energy was NEVER able to provide me any information pertaining to having this account on my credit report. They could never provide the proper social, last name, correct address or any receipts that was paid by me. If they could not provide myself with the correct information. There is no way this should have ever been able to be on my credit report ruining me. Also, this account is past statue of limitations. While it is easier for Transunion to tell the consumer it was verified is beyond me when in reality it was not. Why? Because they could not properly verify anything to me, the consumer. Transunion fails to realize that credit is important to some of us which includes myself. I think it is unfair and illegal to tell a consumer an account has been properly verified when it actually was not. Especially when the company could not even verify correctly with the customer. This is AGAINST THE LAW and very shady!!! I work very hard and take care of my responsibility because I know credit is very Important. And to depend on the credit bureaus to do there job accurately just to see first hand that that is not being done is disappointing.
Product: Money transfer, virtual currency, or money service

Zelle violated the E funding transfer act by failing to conduct a reasonable investigation upon notices of error on my account after I submitted claims of error, they failed to treat incorrect and unauthorized transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps denying my ID theft dispute even with all the proper documentation and won't explain why I'm getting denied. Phone agents don't speak English which is understandable and hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act. These creditors Have violated my rights. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

Under 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX of last year, during this time, I was a victim of fraud, someone took my credentials open accounts everywhere and went into my Chase account, and XXXX them selves money from XXXX account to the other, will both be in my name, but I was in jail, I have tried to deal with Chase for months now they start a total of almost {$27000.00} and I have only gotten back {$6400.00}, this investigation has escalated so much that no one knows whats going on and I need to get my money, they stalled {$27000.00} in Chase allowed in additional {$11000.00} of overdraft. 
Through investigation, I have now learned the name of the suspect is XXXX XXXX, he change my numbers address, emails everything they had to do with my account and created fraud, I keep dealing with Chase here in XXXX. No one knows whats going on so many people have gotten involved in this case that no one knows whats going on in time keeps going by, I need your help. 
I will attach my proof of incarceration and police report