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

I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. This unauthorized account and 2 inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Checking or savings account

Last week I experienced a phishing attempt that was dealt with and I updated my password and spoke with ally fraud department. Everything seemed fine but now today I found that I was locked out of my account with no notice. I have had several payments fail due to this. I made it absolutely clear to their support that I needed this addressed immediately but was told that only the fraud team could resolve this issue during regular business. It seems they did try to call once with no voicemail and no caller ID name after I have just experienced a phishing attempt over the phone so had no clue who it was. 

This has been an ongoing problem with ally bank and seems to have no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 written instructions.

15 USC 1666B : A creditor may treat payment as a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly continue to request that all accounts and inquiries on my consumer report is incorrect and the result of identity theft but each time I submit a dispute they send me a letter literally the NEXT day saying they " verified '' it when I said the account was NEVER mine. I keep submitting the same dispute saying the same thing and they keep leaving it on there. I just want it all removed from the consumer reports. I am tired of being inconvenienced by other banks and being unable to open my own account because of someone else using my information to open fraudulent accounts and apply for things in my name.
Product: Debt collection

ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting by XXXX XXXX XXXXwithout my consent or written prior authorization. 

Pursuant to 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. 



XXXX XXXX XXXX, south carolina for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, south carolina for XXXX XXXXk. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage was sold to Freedom Mortgage in late XXXX 2016. Our previous mortgage company sent a check to pay for the ( entire ) homewowers insurance ( {$1800.00} XXXX on XXXX XXXX. Then, Freedom Mortgage sent another check ( for {$1800.00} XXXX on XXXX XXXX, paying it twice. We found out about this when we received a check from our homeowner 's insurance for this double payment. My husband called Freedom Mortgage and ( after being told it was " impossible '' for it to have been paid twice by someone at Freedom Mortgage XXXX, was told to send a check with out account number and a note to " add to escrow shortage '' to a specific address. A check with those specifications was sent to the address given, and it was cashed in XXXX. I have a copy of the cancelled check from my bank. In XXXX 2016 we got an escrow statement showing our escrow was way below what was required by law -- -because they had never credited that check it to our escrow account. I have no idea where it was credited, but not to our account. We called and we were told to submit a copy of the cancelled check and a description of what happened to their customer service email address. We did on XXXX XXXX. And we heard nothing back. Then I sent another email ( forwarding the original with a new note saying we had n't heard anything regarding the issue ) on XXXX XXXX. I sent a XXXX email on XXXX XXXX, asking to please let us know the status within 24 hours. Nothing. So I wrote again yesterday again asking for an update within 24 hours, still nothing. I want to know what happened to our {$1800.00} and have it properly credited to our account!
Product: Mortgage

I started a loan application with Peoples Mortgage Company, because they have a program called XXXX program. I was sign to XXXX XXXX, to work with me to be able to get a mortgage. Me and my husband had a lot of credit issue that I was trying to explain to XXXX XXXX but he was not trying to hear me. He felt like it was not his department and was turning me over to a credit report program. But the problem was I had to do couple of police reports because my oldest sister use my information to create debt in my name. This was the first problem with XXXX XXXX, he came over to me and husband as not friendly or a people person that work with the public. After Mr.Sheff information to me I just started to work on my credit in less than 10 days I have XXXX items fix on my credit on my credit report. The next I spoke to XXXX, I let know and I ask him for a pre- qualification letter. This is what XXXX had to say to me, '' XXXX XXXX, As of today 's date you do not qualify to buy a home. With your current debt and current income you do not qualify. If you 're looking for a dollar amount - I 'm sorry to have to tell you but Zero dollars {$0.00}. You do n't qualify to buy a home right now. There is quite a bit of work that needs to be done concerning your debt before you will qualify to buy a home. Even if your credit was perfect - your student loan debt is putting your income out of range to qualify for more than just about enough to buy an inexpensive car. I 'm sorry to have to tell you this but we seriously need to get control of your debt and pay your student loans down before you will qualify. '' This man cause me to be upset all day long at work, never been hurt so bad in my life. If your working with the public you have to be careful of what you say to a person because you do n't know how much your words hurt someone and you are representing a company. 
If you have any questions please feel free to call me in the office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX DIRECT : XXXX | MOBILE : XXXX FAX : XXXX EMAIL : XXXXXXXXXXXX XXXX Licensing : AZ XXXX XXXX XXXX XXXX Company Licensing : AZ XXXX CO, Regulated by the Division of Real Estate XXXX XXXX
Product: Debt collection

They call me at least 4 times a day regarding a past due XXXX XXXX bill. I am uncertain how I have accumulated debt with XXXX XXXX as I paid all fees prior to termination. When I attempt to answer the phone there is no one there. They have never left a message or sent a physical bill in the mail.
Product: Money transfer, virtual currency, or money service

I spoke with representatives from Cash App regarding a money transfer that occurred in 2021. During my conversation with a young lady from Cash App, she informed me that she couldnt see the dispute I had filed at that time. I explained that I remember addressing the issue when it first happened, but like other disputes, it was denied. I did not authorize any transactions with XXXX XXXX XXXX or XXXX ; these two individuals stole over {$4000.00} from my account. I filed an FTC report and requested that Cash App investigate to help recover those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts and inquires on my report is due to identity theft and i have reached out to creditors and credit bureaus with no success or response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, {$8600.00}, company closed the account- but did not remove inaccurate, fraudulent, information from their institutions reported to credit bureaus. 

XX/XX/2024, {$16.00}, company closed the account- but did not remove inaccurate, fraudulent, information from their institutions reported to credit bureaus.
Product: Credit card

When making a purchase at XXXX, the sales clerk asked if I wanted to join their rewards program and receive 10 % credit towards future purchases. I thought that sounded like a great deal and said yes. When I received a XXXX/Comenity credit card in the mail, I was surprised and angry. Foolishly, I did not read what the clerk put in front of me to sign, trusting that it was simply pro forma Rewards membership. But I was fooled into applying for a credit card I do not need or want.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 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 CFPB 's 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. The lack of responsibility and accountability for transparency is unacceptable and raises concerns about consumers safety.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred.despite having sufficient funds when transactions where authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal credit unions for similar practices. Where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continually refuses to take off more importantly thoroughly investigate Portfolio Associates alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed Portfolio Associates fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove Portfolio Associates from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.
Product: Mortgage

SPS SELECT PORTFOLIO SERVICING INC. WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX, IS SENDING TO WRITER TEXTS MESSAGES REMINDING TO PAY WHICH WAS DUE XX/XX/XXXX. THEY HAVEN'T SEND ANY NOTIFICATION OFFERING ME WAYS TO PAY OR ANY ACT OF CONSIDERATION AS PER THIS UNFORTUNATELY SITUATION. I CONTACT THEM WITHOUT A POSITIVE RESPONSE. 
THEREFORE, I WANT TO REPORT THIS INSTITUTION, AND ASK YOUR OFFICE TO HAVE THEM CORRECT THIS ACTION AND BE MORE SENSITIVE WHAT IS GOING ON IN THE WORLD.. 

I AM A SINGLE WOMAN, AGE OF XXXX, WORKING TO COMPLY WITH THE PAYMENT HOWEVER I HAVE NOT COLLECT ALL MONEYS TO COMPLETE THE XXXX PAYMENT. PLEASE ACT ON MY BEHALF AND CORRECT SPS FINANCIAL ENTITY.. 

THANK YOU BEFOREHAND, FOR YOUR ATTENTION TO THIS REQUEST. 
XXXX XXXX TEL XXXX ACCT # XXXX
Product: Checking or savings account

Capital One, XXXX XXXX XXXX, XXXX, VA XXXX had a checking and possible line of credit account for my daughter. Years ago, I was instructed by Capital One that I could add this account to my electronic banking to enable me to transfer funds to her, but I never accepted responsibility as a co-owner and was not responsible or informed about that account. Capital One never communicated with me about this account or informed me that the account was in arrears. In late XXXX, 2020, I got a call from Capital One that her account was past-due, and I authorized them to withdraw from my checking account the past-due amount to help my daughter. Capital One at that point started to treat my daughter 's account as mine, without any notice or authorization by me, and then reported negative information to XXXX and others ( XXXX ) using my personal information. The date of the report was XX/XX/2020, the amount is {$810.00}. I have repeatedly attempted to have Capital One remove this negative information in my name from the credit reporting records. Capital One appears to have no department to deal with misinformation about checking/credit lines. Instead, they keep passing me from department to department, and are even unable to find how this information was reported about me, and seem to have no mechanism to fix this problem. They inform me that they have a department to deal with credit card errors reported to credit reporting agencies, but have no one to deal with misreporting checking/line of credit information. One senior representative admitted that they have no mechanism because, unlike credit cards, they believe they have no statutory requirement to do so.
Product: Credit reporting or other personal consumer reports

They never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant to rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my XXXX XXXX to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continue to state that its not me who is submitting the request and I need proof of identity each time I've attached my info each complaint they are refusing to remove knowingly fraudulent information and violation of 605b. Experian phone system dosent all me to call in it only allows for fraud or security freeze never can you speak with anyone with number listed. Ive also will contact my attorney general with this to ensure that this matter is handle promptly.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/year> ) due to identity theft. EQUIFAX and XXXX XXXX  have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated!

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX Account # XXXX, Original Account Number : XXXX XXXX. LVNV Funding LLC, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I created an account on www.equifax.com/fcra to manage my credit freeze. I tried to do a password reset. That's how I discovered a bug in the password reset process. The reset link doesn't reference a page which allows you to enter a new password : instead, it references a page which asks for your email address and password. 

I called customer support for a credit freeze 8 times over 4 days. I used both of these numbers : XXXX or XXXX. My request for help was never escalated to someone who DID, IN FACT, reset my password. 

Reps would tell me that they could only reset my password if I volunteered the following data over the phone. Name, full social, birthdate, phone numbers, home address, mortgage provider, monthly payment, credit card provider, total balance due or monthly payment, employment data, etc. This struck me as coercive. I answered several questions to verify my identity, then pointed out that the reps COULD CONFIRM that I had already created an account on www.equifax.com/fcra. I wouldnt be able to create an account unless I'd ALREADY answered those questions. SO WHY WERE THEY IMPLYING THAT THEY COULD ONLY RESET THE ACCOUNT IF I ANSWERED THOSE QUESTIONS USING A PHONE LINE WHICH MIGHT BE INSECURE? None of the reps I spoke with answered this question. 

NOTE In XX/XX/XXXX, I had used a phone-based system to place a credit freeze with Equifax. I got a pin, but never received paperwork from Equifax confirming that the freeze was in place - and that it had never been lifted without my permission. All of the other credit bureaus with which I placed a credit freeze provided confirmation of the freeze IN WRITING. except EQUIFAX.