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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and there are several inquiries that I have not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 A I have the right to privacy 15 USC 1681 Section 604 A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

15 USC 1681 et SEQ I have also filed a police report for fraudulent inquires and they are list on the report see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I learned that Equifax mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the local newspaper. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting

There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval
Product: Credit card or prepaid card

I have two business accounts and one personal account with American Express, all accounts are in good standing, American express cancelled all of my accounts, because they said I was verbally rude to there representatives, I have never been rude or abusive, I have 3 other people who have access to my accounts, and I asked them to let me listen to the conversation
Product: Mortgage

I had a mortgage with Ocwen and in 2013 they approved a short sale and it was complete XX/XX/2013. They are still reporting the whole balance and it should have been XXXX once the short sale was complete. It has affected all my financing since 2013 due to this fact.
Product: Student loan

I was contacted by Integrity group with the help from you so that I could receive a refund on fees charged to me by them. The fee was {$290.00}. However they put down all of my information wrong including address so I did not sign since it said a check would be mailed to that address. I notified Integrity that the information was wrong and provided the correct info. I have still not received a response from them or the check. This has been over 2 months now.
Product: Credit card or prepaid card

I received a email out of the blue from Citi Card, stating that my credit card that I pay three weeks be for the due date every month and have never missed a payment, My account was XXXX and today they changed it to XXXX dollars, due to retaliation because I filed a complaint with CFBP last month in reference to them reporting false information in my credit report. There is no valid reason to do such an unlawful, unjustified and flat out discrimination act, and a law suit need to be brought against the company I am not the only person of XXXX that have been done like this I am attaching the email sent to me and my payments statements showing my on-time payments
Product: Mortgage

I only want Ditech to modify the loan to mortgage only with auto pay. I was told in the last call that they ca n't change the terms on a service contract. ( It 's not a service contract since it has been sold three times to banks before they got it. ) But in the next mailing, they sent me a modification contract to go from 30 to 40 years for me to sign. Why would I sign that? I have sent 6 copies of the same letter asking for the mortgage only change on three different platforms ( fax, mail and website ). They have responded to none.I will not answer their calls because the verbal abuse you get is not how I will be treated. 
All I want is the same contract they sent with the 40 year change to change the service terms to mortgage only with auto pay. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Amex was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought Amex was a good company ... very sad that they would want to go against the laws of FCRA.
Product: Money transfer, virtual currency, or money service

I am writing 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 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 users vulnerable to scams
Product: Mortgage

Freedom Mortgage carries the FHA loan for my townhouse. I sold the property and will be closing on XX/XX/XXXX. The law firm XXXXXXXX XXXX XXXXXXXX, XXXX, contacted Freedom Mortgage on XX/XX/XXXX, requesting pay-off for XX/XX/XXXX, and received a pay-off amount of {$69000.00} from Freedom Mortgage with a closing date of XX/XX/XXXX. This is {$1000.00} more than expected that I have to bring to the table at closing. I called Freedom Mortgage on XX/XX/XXXX for the pay-off but they wanted to charge me {$30.00}. I also called twice on XX/XX/XXXX for explanation as to why the amount was so high and Freedom Mortgage gave me the run-around with no concrete reason. I was told that there was an FHA charge of {$250.00} and taxes included in the pay-off. I phone twice on XX/XX/XXXX, and was told that the attorney 's office put in the request for XX/XX/XXXX. The attorney 's office denied that they submitted that request. Finally, Freedom Mortgage told me that they made a mistake and it should be for XX/XX/XXXX because it 's a FHA loan. They promised to correct it and placed an accelerated request for the correct payoff. I informed them that the attorney 's office would be contacting them as well.
Product: Checking or savings account

I received a debt from Synovus Bank for XXXX dollars. A individual opened up a checking account in my name with my personal information. It was for a XXXX debt plus XXXX dollars overdraw fee for a total of XXXX. I contacted Synovus and they closed the account after showing them my drivers license. The information they had was my XXXX  but it also had a email address and phone number that was not mine. The drivers license they had on file had a number wrong and the exp date was wrong I filed a police report on the fraud.
Product: Student loan

I have 2 separate accounts through Navient, a student loan corporation through the department of education. i have 2 seperate accounts one for {$4300.00} and another for {$2000.00}. one of these accounts if not both shouldnt be open because the dates they have stating i was in school is not accurate nor is the institution. they told me to call the school and verify which i did. the school has no record of me being registered in the dates they gave me. Navient stated the school would have to call and verify which they did. but they still wouldnt remove my account. Navient has had a history of having false open accounts and have been under investigation. i opened up a suit but never heard anything back. Anytime i speak to someone and do as they say they give me another excuse and soimething else i need to do to close my account and it never closes. the school they have on file is XXXX tech in XXXX GA, i wasnt even in the state for the dates they have because i was stationed in another state in the United States XXXX.
Product: Credit card or prepaid card

My Bank of America Pre-Paid card was charged 3 times by an unknown source. I called Bank of America and was on hold for 3 hours with the fraud department and the call disconneccted. Today I was on for two hours for both call and the call dropped. 

I go online and this is a normal occurrence. I can't get thru to anyone to dispute these charges and people will take my money before I can do anything about this. 

Its not fair that this is how they are treating people reciving unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent accounts listed on my credit report that do not belong to me. I have submitted multiple ftc reports and multiple police reports and the accounts are still on my credit report. I have also pointed out that the credit acceptance fraudulent was reporting different balances on on the reports and then two weeks later they didn't remove the account like they were supposed to, they just updated the balances to all match. This is in violation of my FCRA as a consumer. I will be pursuing litigation on this matter.
Product: Debt collection

i was first contacted by an in office employee and had asked for a debt valadation proof, either by email or regular mail, when i asked who this is she went into a tirate about i should hve paid my bill on time and it would have never came down to this, now i am being contacted by a so called mgr claming to be a rep for the orignail creditor being called during my work hours, messages saying im being sued by them when they have yet to prove who they are or the debt that they say i owe
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I realized upon pulling my credit report that Aargon Collection Agency reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with XXXX   and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by Aargon, but they are still reporting it as a collections account. I called Aargon and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The Aargon agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by XXXX  that allows for me to contest the account. XXXX  only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.
Product: Prepaid card

Around XXXX days ago I have purchased an American Express gift card with {$180.00} on it. Every single purchase I tried to make with it was denied no matter the amount or website or store. Then they put my card on hold for suspicious activity?! The service was absolutely horrible. The people on the phone are incompetent and follow this script that doesnt allow them to help. I tried asking for a manger or supervisor and they XXXX  say the same thing. My XXXX would tell you the same. XXXX  of them didnt help at all. The girl on the phone is getting me a physical replacement card apparently I asked for a digital XXXX many times and she couldnt do it. I do not understand this non-sense. I need them to cancel that physical card and just give me my {$180.00} or even more for all this inconvenience to my bank account. XXXX traveling right now so I wont even be able to pick it up and on top of that why would I want another card!!!! If they never work and the support is terrible! Everybody says the same thing I just said as well.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Debt collection

On XX/XX/2022, I contacted XXXX XXXX XXXX regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.
Product: Credit reporting

I have spent countless hours and thousands of dollars cleaning my credit report and monitoring my credit and scores through a membership with Transunion in order to get my credit to a point where I could refinance my home. I recently hit a level that I believed was satisfactory based on the scores provided in my membership and I applied for a loan. This loan was denied based on the credit score that was provided to the lender which was XXXX. However, the score that I am shown when I log into my Transunion account is XXXX, which is a XXXX point difference.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have been identified on my credit report under 15 USC 1681b ( c ) ( 2 ), harming my credit. Please delete all unauthorized hard inquiries. Thank you.
Product: Credit reporting or other personal consumer reports

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

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX ( XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of an unauthorized inquiry from my credit report. The inquiry in question does not belong to me, and I did not authorize anyone to access my credit information. 

Upon reviewing my credit report, I noticed an inquiry listed under my name from XXXX XXXX and XXXX XXXX. I have no prior knowledge of this company, nor have I engaged in any business or authorized them to access my credit information. Therefore, I believe these inquiries are erroneous and should be removed from my credit report. 

Here are the credit inquiries that I want to be removed : XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX BANK INQUIRY DATE : XX/XX/XXXX. XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX
Product: Debt collection

This discover card has been paid, and closed. They sold my info to a collection agency. That send a sherif to my home and want me to go court. By law they never send me a consent to settle or if I wanted to make payments or what ever they wanted. This account is closed! And paid off! Please dispute of my credit. 
Discover card XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Case Number : XXXX Date Filed : XX/XX/2014 - Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Debt collection

1 ) Concord Financial is showing 3 late payments. I NEVER had any account with them. 

2 ) Numerous credit agencies and their inquiries are showing up on my credit report. I never authorized these inquiries!
Product: Debt collection

I have an ongoing XXXX enquiry with this company which I suppose they are working on it. I missed asking to verify XXXX more thing in my last enquiry so please add this one. 

I would like to know ACCRUED LATE FEES amount on XX/XX/2012 or XX/XX/2012 the day when XXXX accepting servicing the debt from XXXX XXXX XXXX. I donot have this amount in my files. I have accrued interest amount in my files but not accrued late fees. 

thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : PLEASE RESTORE MYEQUIFAX.COM ACCOUNT. WHEN I LOG INTO MY ACCOUNT, I CAN NOT SEE ANYTHING WHEN I LOG INTO MYEQUIFAX.COM ACCOUNT. THIS SEEMS TO BE AN ONLINE WEBSITE TECHNICAL ISSUE. PLEASE FIX THIS. I CAN NOT SEE MY REPORT, MY SCORE, AND ALL MY INFORMATION IS WRONG. PLEASE CORRECT AND UPDATE MYEQUIFAX.COM ACCOUNT PLEASE. I HAVE CALLED MULTIPLE TIMES OVER THE PHONE AND NOTHING HAS NOT BEEN RESOLVED. I WAS TOLD THE TECHNICAL SUPPORT TEAM WOULD FIX THIS, BUT IT HAS BEEN OVER 1 MONTH SINCE THIS ISSUE HAS NOT BEEN FIXED. PLEASE FIX THIS ISSUE. I HAVE ATTACHED PROOF. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian about the same incorrect items as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They keep saying items verified or call the creditors directly. I ask for proof of debt validation of these accounts, but they do not provide anything to show how they validated these accounts as being 100 % accurate or verifiable per FCRA. 

I have reached out to these alleged companies and they either do not have my information on file or they did not respond to my certified letters asking for proof that the accounts belong to me. My concern is, how is Experian validating a debt as being accurate but when I call or write a dispute letter with the information, they provided on my credit report get no response from the creditor? In this case, Experian has failed me in making sure that all information they put on my credit report is 100 % accurate and verifiable. This is damaging my overall credit report with future creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.