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

I am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. 

XXXX XXXX : Acct # XXXX XXXX XXXX  : Acct # XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX THE FOLLOWING CREDIT INQUIRIES ARE FRAUDULENT DUE TO IDENTITY THEFT AND MUST BE REMOVED : XXXX XXXX XXXX  DEPARTMENT OF EDUCATION XXXXXXXX XXXX XXXX XXXX 'S XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I filed a complaint XXXX for an unauthorized charge for {$910.00}, on XXXX I received a credit to my account while the claim was researched. On XXXX, I received a letter in my online portal that I did not see until XXXX saying the credit would be taken back on XXXX. On XXXX I called to see if they could split into two or take it out later. After being transferred multiple times I reached a rep who stated they would put in a request to push it back two months. The next day I saw the credit come out and called. i spoke two a supervisor XXXX from texas who stated they would put the credit back in 48 hrs so i could pay my rent. he stated he would call me later that night and never did. i called the next day to speak to him but he was not in. since this was a friday i could not call again until monday XXXX, and spoke to XXXX from arkansas. XXXX stated that everything i was told was not true and could not be done. and basically tough luck on paying my rent
Product: Credit card

My Navy Federal account was put on restriction from an unknown hacking attempt. I supplied identification and verified addresses for me to have my account recovered but with no actions from the bank
Product: Payday loan, title loan, or personal loan

I have been struggling due to other debts and medical issues and really needed the funds provided to me however at this time I am unable to pay this debt. I have been diagnoised with XXXX XXXX and have several medical bills.
Product: Debt collection

I moved out of XXXXXXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I gave the apartment team my forwarding address twice ; once in a letter and the other when I dropped off my keys. I never received a final invoice from them. 
At some point, they transferred the debt to Procollect , Inc, who also never sent me an invoice. On XX/XX/XXXX, they reported that {$210.00} was in collections to the credit reporting agencies, which reduced my credit score by over XXXX  points.

Since Procollect , Inc did not mail me a letter about the debt they claim I owe, I was not able to review the claim and they did not have the right to report the debt to the credit reporting companies.
Product: Mortgage

My mortgage with Truist Bank was closed on XX/XX/year>. Truist bank went ahead and auto deducted {$900.00} from my checking account. When asked where the money is, no one had any idea, and I still have no clue where the money is. Truist bank spun me around, created wrong case for us, asking for affidevit if the money was fradulantly taken out and never refunded by the bank. I need the money refunded to my account. And Truist Bank needs to stof practicing this illegal activity.
Product: Debt collection

On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed Citi Bank Bank {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information with all 3 credit bueuras, XXXX and XXXX has investigted this problem and removed these fraudulent accounts from my credit file, However I have been disputing this with experian for years. My identity was stolen and compromised in XXXX. I strongly belive a family member did this. I filled a police report and sent to all 3 creditors, I've sent in ID, and a copy of my lease to show proof of where I lived at the time these accounts were opened. This person has opened bank accounts, credit cards, taken out loans in my name they have complety stole my identity at the time i was suffering from XXXX. Ive done everything i can to get my identity back. Experian is the only credit burea not sending proof of how this credit was obtain and not removing this from my credit file. I have contacted the orginal creditors they will not send me any proof of how this debt belongs to me or how it was obtained. I was told that there is a statue of limitation and it has been reach. This is NOT true the law states that in pennsylvaina the statue of limitations for any action upon contract, obligation or liabilty is 4 years. there is a minor exception for actions involving damanges stemming from identity theft, in which the statutory timer starts upon the dtae of discovery of the identity theft. ( I discovered this in XXXX and immediately disputed this ) I really dont check my credit as much as i should however that isnt a reason to hold me accountable for these accounts. 

XXXX {$14000.00} Opened XXXX XXXX  XXXX XXXX {$2500.00} Opened XXXX
Product: Mortgage

When we obtained a mortgage XX/XX/XXXX, we had to accept an ARM mortgage with an interest rate of 8.25 % due due to a high ratio of debt. From that time, to the present, we have had two late payments ( missed deadline by 1 day and the latest late payment is explained below ) and have reduced our debt, however every time we try to remortgage at a lower interest rate, we were turned down. Our mortgage payment is XXXX. Currently, we are in the process of a no-fault, amicable divorce and we need a lower rate/help for approx 4-6 months due to the added expense of the divorce process until we can sell our house XX/XX/XXXX. XX/XX/XXXX, we did only had XXXX for the mortgage payment and contacted Chase. They let us miss the payment but added a portion of the missed payment to the next 6 payments making our monthly mortgage XXXX. We just tried to remortgage but Chase refused saying we have a late payment. We now receive mail packet after mail packet telling us they are here to help. This is a joke because they refuse. We need help or we may go into forclosure. We only need help until the house is sold. If our interest rate is reduced we would lower our normal payment from XXXX to approx. XXXX which would be a god send.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX XXXX  has inaccurately marked adverse action on my account. I attempted to communicate with the XXXX XXXX XXXX XXXX and the representative initially did not even know that child support is on a credit report. They then proceeded to tell me that they could not remove the incorrect adverse action, but would provide a letter of good standing if I needed it for any purpose. It is not legal or fair to keep inaccurate adverse action on my account, and it is not realistic to expect that I can provide a letter for every circumstance in which I need my credit to work for me. I filed a dispute with XXXX and Trans Union, neither of which removed the adverse action and they claim The account to be verified and accurate, but are unwilling to provide method of verification. I cant imagine how they wouldve verified such information as child support has acknowledged to me that the information is incorrect. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. This is not the first time that I have experienced this with experience, as a previous dispute regarding XXXXXXXX XXXX XXXX was also marked by them as correct and verified but then subsequently removed after TransUnion found it to be unverified and deleted it. 
This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX  XX/XX/2023 The inquiry was not authorized XXXX XX/XX/2023 The inquiry was not authorized XXXX XXXX XX/XX/2023 The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/2023 The inquiry was not authorized
Product: Credit card or prepaid card

Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.
Product: Mortgage

This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. 
re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? 

And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.
Product: Mortgage

On XXXX, I mailed a cashiers check to Fay Servicing for the amount requested in a demand letter dated XXXX. Fay Servicing is refusing to credit the funds to the account, even though they received the funds as demanded in the demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Seterus has been stringing my along with a loan modification since XX/XX/XXXX. All documents were received and the trial payments were complete. They informed me my Quit Claim Deed was invalid, because my ex-spouse ( who filed bankruptcy ) signature is not on it, but rather his bankruptcy trustee signed the deed on his behalf because he surrendered his rights to the property. The bankruptcy trustee has the authority to act on the ex-spouses behalf. I purchased his shared of the property from his bankruptcy trustee and a new deed with only my name was recorded in the County and at the Bankruptcy court. 7 months later and Seterus has still NOT approved the modification and found every excuse to not move the modification forward .I contacted XXXX ( XXXX ) to assist with an affordable loan modification on XX/XX/XXXX and ALL documents, RMA application, pay stubs, XXXX, hardship Letter, utility bill, HOA statement were all sent in to Seterus, I even signed the third party authorization to allow the rep from XXXX to communicate and negotiate an affordable mortgage for me. I also contacted XXXX to make a complaint against Seterus. XXXX is completing an investigation. I recently received a letter from Seterus stating my escrow account had a surplus and because my account was delinquent, the funds would be held. Seterus had to respond to my complaint w/ XXXX , and now Seterus is stating that I need to pay {$4800.00} for escrow shortage, if I want them to honor the OLD MODIFICATION that was submitted in XX/XX/XXXX. How do I go from having an escrow surplus for nearly {$1800.00} to a {$4800.00} shortage?? XXXX submitted a mod packet on my behalf for an affordable mortgage and affordable payments but Seterus has NOT replied to the XXXX modification package that was sent on XX/XX/XXXX. All supporting documents were submitted and Seterus acknowledged receipt of ALL required documents. Is there a timeline where the mortgage company has to reply to XXXX proposed modification packet? It appears that I have not been able to get any concrete answers or responses and would like help with expediting the XXXX modification.
Product: Credit card or prepaid card

I have been in the process of going back and forth with XXXX regarding a discrepancy on my bill. This issue has been mishandled from the beginning and I have been receiving the run around from XXXX for the past two and half years. 

SUMMARRY OF EVENTS I use my XXXX account to make a payment installment on my daughters tuition ( {$2200.00} ). 
One week prior to my due date I visit a XXXX location and pay my balance in full ( as per usual ) Come next months bill, I see {$220.00} was paid on my bill, {$1900.00} less than the amount I paid in full. 
Called XXXX right away and was told it was an error in their system which will be addressed in the next bill. 
In the next few months, I was constantly being told the same thing when my bill arrived. 
Started a case with XXXX and was given a case number. 
Called many times inquiring about the case and was told it was being reviewed or it has been escalated. 
Recently, I was finally told that XXXX is unable to rectify this issue and I would need to file a claim in court. 

Before this occurrence, I have paid my bill in full and on time with XXXX on a monthly basis. Since then, I would keep track of all my purchases and pay that amount only. I have cancelled the card and would like to finally rectify this issue.
Product: Credit card

I spoke to someone in the Executive Office of Capital One last year in regards to a previous concern. During that conversation they stated my annual fee could be permanently be removed on XXXX accounts but wait till beginning of year so they could remove annual fee permanently along with combining my accounts.Now they are renigging sayng they never said that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX XXXX to XXXX  and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I got an email this afternoon about a credit application for a credit card I did not apply for. The credit card was for capital one. Because I had credit freezes in place, the application did not go through. I immediately got a credit alert from XXXX and called them to try to dispute. XXXX told me that they can not remove hard inquiries and that I needed to contact the creditor. I called capital one and was transferred to 5 different departments before I was told I needed to file a FTC report and then email them the report to try to remove the inquiry.
Product: Credit card

I disputed a payment on my debit card due to the merchandise being lost or stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice requesting Bank of America provide a privacy policy that complies with section XXXX of the XXXX XXXX XXXX XXXX, along with opt-out options consistent with XXXX of the same act.
Product: Debt collection

As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and XXXX XXXX did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards XXXX  hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of PenFed, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Debt collection

I received a call from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX regarding an account. The account was supposedly a payday loan from XX/XX/XXXX that I did not pay back. However, I have paid back in full all prior payday loan accounts. They could not tell me where the loan originated but they said I could pay them installments of {$590.00} or a lump sum of {$920.00}. I told them I dispute the claim and they said okay, then hung up. They did have my phone number, last 4 of my SSN and my current address. It seems like they obtained information from a previous loan that was paid in full, then tried to claim it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns formally regarding the handling of Zelles disputes. Specifically in regards to the CFPB lawsuit, focusing strictly on the misuse of the platform. Ive used zelle multiple times, and reported more than several discrepancies. My Zelle and financial institutions failed to go over/investigate these claims properly. They informed me it is impossible to get my funds back, and that tracking these funds/transactions would be infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers like myself, but also continues to allow repeated offenders to exploit the system, leaving users like myself vulnerable/exposed to scams. I mean the lack of transparency and accountability is unacceptable and raises some major concerns about consumer safety.