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

n 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. 

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

Tried to remove wrong addresses and was unable, I do not live at these addresses nor can I be reached there. I am trying to prevent identity theft.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and the credit reporting agencies for incorrectly reporting my loan balance, which has negatively impacted my credit score and my ability to purchase a home. 

Despite having no active loan with XXXX and a {$0.00} balance as my loans have been paid in full, XXXX continues to report an increased balance every XXXX  days to the credit bureaus. I am not given an option to make payments on a loan that does not exist, yet this inaccurate reporting persists. 

Impact of Incorrect Reporting : -Credit Score Damage : My credit score remains artificially low, affecting my ability to secure a mortgage.

-Higher Interest Rates & Loan Denials : Due to this false reporting, I have been subjected to higher interest rates and financial losses over the past year. 

-Unresolved Despite Multiple Disputes : I have diligently reported this issue, opened cases with the CFPB, and contacted both the credit bureaus and XXXX XXXX but the problem has not been corrected. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as I am being penalized for an error that XXXX and the credit bureaus have failed to correct despite my repeated attempts. 

Requested Resolution : XXXX. Immediate correction of my credit report to reflect a {$0.00} balance and remove all erroneous reporting by XXXX. 

XXXX. A written explanation from XXXX and the credit bureaus as to why this issue has persisted despite my multiple complaints. 

XXXX. Compensation for financial losses, incurred due to this negligence. 

Due to the significant harm this has caused, I have sought legal counsel to pursue recourse for damages and losses incurred as a result of this ongoing reporting error. 

I request immediate CFPB intervention to ensure my credit report is corrected and that XXXX is held accountable for its failure to accurately report my balance. 

Please provide an update on my complaint as soon as possible.
Product: Mortgage

On XX/XX/2022, the consumer and his wife applied for a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
With the information provided to me that I would get a loan rate of XXXX. XXXX XXXX was given the green light to move forward. A credit report was pulled and an application was done. 
A rate was supposed to be locked on XX/XX/2022 with the lender XXXX XXXX XXXX XXXX 
On XX/XX/2022, a re-disclosure was issued with a rate locked /extended at XXXX they said : the rate was never locked. 
From the date of XX/XX/2022, I was in constant contact with XXXX XXXX doing everything that was asked of me and my wife to ensure that the loan would be completed on time. Day in and day out I was in contact with my loan officer. He was telling me that things were moving in the right direction with XXXX XXXX, account manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, but it seems she became stagnated. 
On XX/XX/2022, a new re- disclosure was issued with a rate locked /extended at XXXX they said : the appraised value and the estimated value were different. Still, the loan process failed to move forward with the lock rate approaching the expiration date. 
On XX/XX/2022, I received a call from XXXX XXXX a loan processor at XXXX XXXX lending company XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX  XXXX She said, she was going get things going and try to close the loan next week. I gave her everything she requested as with XXXX XXXX and XXXX XXXX. 
They pulled a bait and switch on XX/XX/2022, to put me in a higher loan rate, telling me the new loan rate would be XXXX. The lender would not honor the old rate. It was not any fault of my wife or me. 
We left a lender because we were promised a lower rate.
Product: Debt collection

On XX/XX/year> I received a letter of the debt in the amount of {$880.00} by XXXX XXXX XXXX, XXXX. I am not trying to dispute and show proof that I was in prison when I was a victim of identity theft. I would like to have the debt amount in XXXX taken off my credit records. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate XXXX employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.
Product: Debt collection

id id not authorize XXXX XXXX XXXX  to sell my medical information to Aargon Agency, a debt collection agency. I was not made aware that this was done either. I have requested vis mail a validation of debt and an itemized statement from Aargon Agency. This is a violation of HIPAA and the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of My fair credit reporting act rights
Product: Debt collection

In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. XXXX XXXX  was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX XXXX XXXXXXXX, but I longer have an account with them. I reached out to XXXX XXXX XXXXXXXX, and they said they no longer had my account statements saved. I logged onto XXXX XXXX XXXXo check my credit score, and I see I have a derogatory mark on my credit. I went through CFBP to get this resolved and the company stated that they no longer have information on this, and it is now another companies problem. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft. PLEASE BLOCK AND REMOVE this account from my consumer report.
Product: Credit reporting or other personal consumer reports

Ive sent all my disputes to XXXX XXXX and Equifax, but instead of resolving the problems, they keep sending back letters that seem like theyre stalling. It feels like they arent taking any real action, and Im getting really frustrated with this back-and-forth. Im tired of dealing with it, and it seems like theyre not fixing the issue at all. This is outrageous, and Im considering contacting an attorney to get this sorted out once and for all. 

I have attached there letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 1. XXXX XXXX XXXX XXXX 2. XXXX BANK XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX BANK XXXX XXXX MORTGAGE XXXX
Product: Credit card or prepaid card

For the last two months or more we have received 4 different emails from PayPal from people who bought things at different stores. In order to resolve these issues I have called the stores one being XXXX  and the Other XXXX XXXX XXXX XXXX They have told me the charges were real and that my email address was not on their accounts. I even spoke to the store in Florida and we live in XXXX  and they knew the lady and assured us that is was a real charge and she didn't have my email address on the account it was something only PayPal could correct. Upon talking to PayPal they are refusing to address the issues and saying it is spam and I tried very hard to explain that it wasn't it is real. Each email was also sent to their XXXX so they know about them and are refusing to look in to the problem and try to resolve it. Peoples names and email addresses are on these and in my opinion PayPal is providing personal information which is against the Hippa law. All I am trying to do is have this fixed and stopped. I spoke in detail to XXXX XXXX XXXX  and they agree with me that it is real and should be looked into by PAYPAL. When I call PayPal gives me a difficult time and we argue on the phone or they refuse to talk to me. I have done more than half of the work talking to the stores and spending my time to fix a problem that is PayPal and they are refusing to do their part by sweeping it under the rug calling it spam. I could have cancelled these orders but the stores asked me not to as they felt the customer knows nothing about my email address and it is a PayPal mistake which PayPal refuses to do anything about. I am just the customer who is being treated like dirt and I am trying to correct their mistakes while they sit and refuse to do anything at all.
Product: Debt collection

I saw a doctor on   XXXX   XXXX   XXXX   Chapter  XXXX  Bankruptcy was filed   XXXX   XXXX   XXXX     and discharged   XXXX   XXXX   XXXX   The medical debt from  XXXX   XXXX ,   XXXX   was sold to a debt collector who made no efforts to contact me, but reported the debt as delinquent on my  XXXX  credit report as of   XXXX   XXXX    . I and my attorney have contacted this debt collector on multiple occasions since that time asking them to verify they have a legal right to collect this debt, to which we have received no response. I have also disputed this debt with  XXXX  on  XXXX  separate occasions, both times receiving the response that it has been verified.     In summary, this debt was  discharged  in my bankruptcy as of   XXXX   XXXX   XXXX     yet the collection agency continues to report it as delinquent on my credit report and has ignored all requests for verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. Thank you.
Product: Credit card or prepaid card

I am a Santander credit holder. I made a payment to my account on a Thursday in the amount of {$450.00}. The account was made at a branch in cash but they refused to credit the account immediately as has been done repeatedly in the past. 

Instead, they didnt " apply '' the credit to the account until the following Tuesday and the available credit never reflected a credit of {$450.00}. 

I complained, asked customer service and the branch level to audit the account for my security at which time it was found that two online charges of {$500.00} were attempted ( declined ) one second apart.

I asked for the fraud department to investigate further and was told there was no fraud because the card declined the charge. All they did was reorder another card. 

There was apparently a breach on the card yet I feel the credit company is not doing enough to discover how. 

They have still not fully investigated what I believe to be the {$450.00} missing credit. 

This feels like an aggregious level of financial abuse because the company does not have any concern for it's cardholder feeling as though they've lost out on such an amount.
Product: Money transfer, virtual currency, or money service

Early morning on Friday on XX/XX/2023, I received an email from XXXX that sent me an invoice of {$500.00}. So I called the number in the email to let them know it was a fraud. The person on the line said they would refund {$500.00} but I needed to log in my computer, typed in a portal web link XXXX XXXX XXXXXXXX and allowed an XXXX to be run on my computer. After that, it poped up a Refund Form of Federal Trade Commission to fill out the name, address and the bank link to the XXXX account. Next he asked me to login my online bank account so that they could make {$500.00} deposit back to my account as a refund. First I had to deposit {$100.00} then {$400.00}. 
Then he brought up a small black window command prompt on my screen and instructed me to type in the name, the bank and exactly {$100.00} for the first deposit. I saw on on my computer screen, my banking online account had a new deposit of {$100000.00} ( $ XXXX ) from XXXX. Instantly, he started acting panicking and asked if I could immediately go to the bank and do wire transfer back the difference to his XXXX manager account, otherwise he would lose his job. I felt so bad for him so I said Ok. 
Then he sent me an email from all the wire transfer information from his email XXXX. However the wire transfer amount only {$99000.00} ( $ XXXX ) instead of {$99000.00}. I asked him why. He said because of breaching the limit. After he received the wire transfer receipt, my desktop screen was completely frozen. I couldn't do anything with my computer. I started getting suspicious. I went to another computer and log in my online banking account that's associated with my XXXX account. The {$100000.00} ( $ XXXX ) deposit from XXXX was no longer there. Right away, I dashed back to the bank and asked for the cancellation of the wire transfer. The banker said since it already passed the 30 minutes mark, the wire transfer was already sent. I requested to recall the transfer but they didn't do it until Monday, XX/XX/2023, after I gave them a copy of my report to FBI IC3. I was informed from my bank, Bank of America, that the recipient bank, XXXX XXXX, did not refund the wire transfer money because the fund in the recipient account was already gone. So they closed my case. I filed the report to Federal Trade Commission and contacted and reported to the local Police Department of XXXX in Arizona with the address of the owner of the recipient of the wire transfer. They said they will assign a detective to look at the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.
Product: Mortgage

Please help me. 
I do n't want to lose my home. I bought a house in XXXX 2015. The lender adjusted the insurance premiums to a low amount so i can qualify for the loan according to my debt to income ratio. Five months later they bought a higher premium insurance policy and I end up paying XXXX usd more monthly and its out of my budget. They intentionally did this to make me default my mortgage loan and foreclose. 
My phone number is XXXX The lender is wells fargo The address is XXXX XXXX XXXX fl XXXX Sent from my iPhone
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called on muliple occasions and talked with upper managment about the issue and just have been givin the run around. I have been told that there are waiting on the company who provided the info and will be resolved within 30days everytime i have called. It has been over 16 months and still no resolution. This has caused me muliple deniles of credit wich has greatly hindered my life. As of today XX/XX/XXXX still nothing when dispute was initiated on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Account name : USDA Rural DevelopmenXXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX  Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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.