23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Netspend send a card to my address with someone else 's first name, but using my last name and address. This is how my credit was ruined previously by XXXX. I am filing this complaint because I never requested this card and Netspend is doing the same thing XXXX did, extend credit to someone I do not know, using my address and last name. I have contacted XXXX XXXX XXXX who handled my XXXX case. Netspend should cease and desist their fraudulent activity using my last name and address unless they want to pay a large settlement and legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Product: Credit card or prepaid card

I bought 2 {$100.00} XXXX gift cards at XXXX apparently sold by US Bank. When I went to use them, they would not work. I had to put all my groceries back. I went home and called XXXX and was informed that the cards had been compromised several weeks earlier, but US Bank hadn't bothered to take them off the shelves. It took over an hour, but they finally agreed to send new cards, but refused to refund the activation fees or to overnight the cards. I was told that they would arrive in 14 days.
Product: Credit card or prepaid card

The Merchant XXXX XXXX XXXX XXXX XXXX  1 ) Advertised and contractually wrote " Guaranteed Lowest Price After the Sale '' but has refused to Honor the contractually agreed upon terms. 
2 ) " XXXX XXXX XXXX '' incorrectly & illegally charged double ( me and the manufacturer ) for the same product and sat on the money for several months committing bank fraud, and a Ponzi Scheme profiting from duplicate payments for the same products and forcing the Consumer to give this business an interest free loan. In effect Cooking their books. 
3 ) The Card Issuer Synchrony Bank Mishandled the Dispute process multiple times. Federal and State Banking regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute. Synchrony Bank failed to comply with these reg 's and laws multiple times. 
4 ) The Merchant XXXX XXXX XXXX XXXX XXXX  responded to totally irrelevant and off-point matter ignoring the basis and facts of my dispute and offered only irrelevant responses which mad them and Synchrony Bank XXXX Out-of-Compliance '' with the 60-Day Response requirement rule. 
5 ) Synchrony was there fore required to return a decision in the consumer 's favor and credit the dispute as filed. They failed multiple times.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly considering the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution 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 finding indicate that Zelle has not only neglected to protect consumers but has also allowed report offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted Transunion, XXXX and XXXX to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION UNAUTHORIZED INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and XXXX  & TransUnion came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX corrected the information but XXXX and TransUnion will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
Product: Mortgage

I sent a loan payment to Specialized Loan Servicing and instead of applying my payment to my loan the company ignored my payment and did not apply the payment to my loan. I then tried contacting the company to get this matter corrected. I spoke to a customer service representative for SLS - XXXX XXXX - who told me on XX/XX/2020 that she had corrected the problem. She said she would send me a " confirming Email ''. Instead of receiving an Email from her documenting the " corrected problem '' XXXX sent me another third party borrower 's private documents and information. Come to find out, XXXX never corrected my problem. The loan payment I sent to SLS in XXXX, 2020 has still not been credited to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing this complaint to simply remove information that is being reported to my credit file. Ive received a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. Ive also reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  IL XXXX account 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Correction of Personal Information on Record Dear Sir/Madam, I am writing to request an urgent correction of my personal information that has been inaccurately recorded and possibly disseminated. It has come to my attention that there are multiple errors in records associated with my name and address, which I wish to rectify immediately to prevent any potential issues related to identity theft or financial inaccuracies. 
The correct information should be as follows : * Name : XXXX XXXX XXXX * Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX * Employment : XXXX XXXX XXXX However, the following incorrect information has been associated with my identity : * Alternate Names : XXXX XXXX, XXXX XXXX XXXX XXXX * Incorrect Addresses : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of this incorrect information is deeply concerning to me, and I am anxious to ensure that my records are accurate. I respectfully request the CFPB to take the following actions : * Investigate the origins of these errors. 
* Update my records to accurately reflect the correct information provided above. 
* Confirm with me in writing once these updates have been made. 
* Advise me on measures I can take to protect my personal information and prevent such errors in the future. 
I trust that the CFPB will address this issue with the urgency and seriousness it requires. Please contact me if you need any additional information or clarification regarding this matter. I look forward to a prompt resolution. 
Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Due to COVID, I had a difficult time making my mortgage payments and fell behind in XXXX, XXXX. My lender has denied any assistance to me. They have been asked repeatedly to send me the actual denial for appeal and I still have not received it ( I have been requesting it since XXXX, XXXX ). I am unable to appeal or know why I was denied. They have told me there is no available assistance for COVID and that I need to reinstate. They have sent my loan to an attorney for foreclosure. I was under the impression that the CARES act was passed so that homeowners did not lose their homes due to the virus. I also have now experienced XXXX hurricanes this year and my lender told me there is no assistance with that either. I want to pay my mortgage and keep my home however my lender is not allowing me.
Product: Debt collection

I just received a copy of my consumer report and notice on XX/XX/2022 fair collection & out reporting a alleged debt in amount of {$12000.00} without notice which is a violation under FEDERAL TRADE COMMISSION called debt parking this is damaging my reputation, character, as a consumer under 15 USC 1681 ( 2 )
Product: Student loan

I 've been paying my Navient college loan payments ontime via the Internet. It was a place where I could see my bill, plan future payments and budget. Last week Navient blocked my access to online services saying that if I do n't take the clause to not have them call me off my record, then they will not give me online access. They are saying that I must pay over the phone and are charging me for this. Again, I not only make my payments ontime, I over the most minimum amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

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 and purpose.
Product: Debt collection

Please remove the following from my credit file as it does not belong to me : MIDLAND FUNDING LLC # XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX for Collection : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open AccountLoan Type : FACTORING COMPANY ACCOUNTBalance : $ XXXX Updated : XXXX Amount : $ XXXX Creditor : XXXX XXXX XXXX Due : & gt ; {$1000.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Debt collection

On XX/XX/year> I sent a letter requesting validation of the debt and to provide information about the debt to me, showing that I owe the debt since I had never been notified of this debt and do not believe it is mine. The letter was sent directly to Midland Credit Management via USPS certified return receipt with my proper address listed as a return address since they are reporting the wrong address for me. They signed for the letter XXXX XX/XX/year> I received a letter back from them that did not have any of the information I requested. They only sent a copy of statements. I then called them on XX/XX/year> and recorded the call which they stated they did not have a contract of the debt for me and that they could not produce any contract showing I owe the debt. They then refused to remove the debt from my credit reports unless I paid the amount. When I stated I would not pay them that amount they then offered a 10 % discount amount which I declined because they will not and can not provide any information that the debt is mine. To save time and aggravation, I offered to pay then {$280.00} since that would be close the amount I will have to pay to file suit against them in court and they declined.
Product: Student loan

Late payments have been reported to credit agencies but the loans were supposed to be in forbearance. When trying to contact the company you have to wait 30 minutes to an hour to get someone on the phone and even then they will give you incorrect information. Their website has been consistently down so even when I tried to access my account it would not let me and would tell me to try again later. They have made it impossible to get correct information and to keep loans current. I have had a 100 % payment history on my credit report my whole life until this incident. I have loans with the company that XXXX transferred the majority of my loans to a long time ago and have had ZERO issues. I don't know why XXXX makes it so hard and then unfairly reports credit issues.
Product: Mortgage

NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING XXXX # XXXX failed to pay my homeowners insurance through escrow. They paid the wrong account, and I tried multiple times to give them the correct account information, but they did not respond. 

The insurance company cancelled the policy. 

Now, I have no homeowner 's insurance and Shellpoint is not resolving the issue. I will have to find new homeowner 's insurance at a much higher rate since it is in Florida which has complex restrictions regarding hurricane inspections. I new have to get the unit re-verified for hurricane protection and pay a higher rate for the life of the loan. This results in many thousands of dollars difference over the course of the mortgage. Additionally, the lender-placed insurance is much higher, but the reason for my insurance being cancelled is because they did not submit payment correctly, despite multiple attempts at contacting them to fix their mistake. BecauseI can not reach ShellpoiXXXX and they are being unresponsive, I am filing this complaint. NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING XXXX  # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very difficult and onerous process to place a credit freeze at Experian UNLIKE both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME :XX/XX/XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress and financial hardship. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law.

If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on XXXX XXXX due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks XXXX XXXX XXXX
Product: Debt collection

I never got a notice from this company about any debts owed. I just see it on my credit report and I am trying to contact them and they simply want me to verify myself. I can not they are accusing me of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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.