23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, my bank sent a check for my XXXX payment. At the end of XXXX, I received a letter from Stockton Mortgage the end of XXXX informing me the mailing address for my payments had changed and this payment was not going to be processed. 
On XX/XX/2022, I updated the billing address online with my bank and sent a payment which was processed as an ACH withdrawal from my account. 
On XX/XX/2022, my payment for XXXX was processed from my account. 
On XX/XX/2022 the check that was sent on XX/XX/XXXX, which the letter said would not be processed, was posted against my account. 

On XX/XX/2022, I checked the Stockton Mortgage online dashboard which showed a late payment over 38 days. I called and spoke to a customer service representative who informed me my payments had increased to XXXX and that is why Im showing a late payment. I told her there were 3 payments sent in a 2 week period between XX/XX/XXXX and XX/XX/XXXX which should have covered the larger payment difference and my account should not be reported as late. 

The representative did not show this check ( dated XX/XX/XXXX, which posted on XX/XX/XXXX ) being credited to my account. I was asked to send copies of the payments made and a copy of the check to this email address ( XXXX ). I have yet to receive a response, or any information and they are still showing me as missing a payment. I have followed up by email and phone and continued to pay and for the last 2 month I have been overpaying because at some point someone told me my payment was XXXX, but online it is showing my payment is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

m accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, has violated my rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX - 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

Account was opened fraud in my name, fair credit act requires 100 % accurate information
Product: Debt collection

I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.
Product: Debt collection

Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {$1300.00} 2. Holloway Credit Solution {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud
Product: Credit reporting or other personal consumer reports

I am writing to delete incorrect information from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already written the bureau to get this incorrect information removed. Please remove all names and addresses on file that do not match the ones that I have attached in this document.
Product: Credit reporting or other personal consumer reports

I am unable to enter into a lease because XX/XX/scrub> 2022 is showing a " non-rent write off '' and XXXX of 2022  is showing " outstanding balance ''. My rent was XXXX but the total amount written off is showing XXXX which is over 3 months of rent even though the report is reflecting XXXX. BUT I Bought out my lease in XXXX of 2022 and per my lease i had to pay 2 months of rent so i paid XXXX and XXXX and was not liable for XXXX. They also kept my deposit and that wasn't applied to any of the months they are claiming i owe. I filed a dispute with documentation to XXXX and they said it was XXXX, but when i called my old property XXXX they said i have to go through their third party. i was given a fake phone number XXXX and was told i won {$100.00} then i looked up the company name ( XXXX XXXX XXXX ) i was given and the collection agency made me pay {$1.00} to go over my whole credit report, when i pried about if they were the agency of record for my debt to XXXX XXXXXXXX she couldn't say but she did say she was not able to see any money owed or written off for XXXX XXXX, but i had my credit report in front of me and could see it there. I can not get a place to live with this on my credit report and i am not even finding a way to pay it to get it removed and my disputes aren't even being looked at by XXXX XXXX
Product: Credit card

My credit card company called me.in XXXX 2015 to report a fraud alert. I confirmed the fraud purchases totalling {$600.00}, yet they never took the fraudulent purchases off my statement and continued to charge me interest after I disputed the charges. I have written to them 3 times and never received a response. Ive emailed them requesting written responses and they say my only option is to call them ( which would leave no documentation ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans and credit card account opened at XXXX XXXX  on XXXX under the account number XXXX # an a loan account opened at XXXX XXXX XXXX under the account number XXXX # account opened at XXXX XXXX  on XXXX under the account number XXXX # and a account opened at XXXX  XXXX on XXXX under the account number XXXX #. an account open at XXXX on XXXX under account number XXXX # and a loan account open at XXXX on XXXX XXXX the account number XXXX # and a loan account open at XXXX on XXXX XXXX XXXX account XXXX # that appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint, FTC case number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint XX/XX/20 regarding Trans Union. I still have not received my credit report. I attempted to request on line but the system rejected my response after submitting the numeric portion of my address. I could not complete the request.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed XXXX  account that I have no knowledge of. I also noticed the accounts were inaccurately reporting according to cdia metro 2 compliance data and the FCRA. Missing account numbers and failed the correct data requirements in order to report/furnish. Regulations Z states that data furnisher must contact you prior to reporting any information. The below companies did not do that because they are debt bulk buyers that did not verify nor validate these accounts before they furnished the information. Also, under the privacy act of 1974 and 15 usc 1681 I never gave permissible purpose, consent to furnish, transfer nor share my information. Who are the companies because I never done business with them. Contract law requirements are also violated. The time allotted to investigate the alleged debt is beyond and the inaccuracies remain. Please remove the incorrect information from my consumer report. They are beyond the investigation period and they are inaccurate. 
Did XXXX and XXXX  do their due diligence upon attempting to collect an alleged debt according to 15 usc 6802? Clearly and conspicuously disclosure to a consumer amongst other obligations? No they did not. Please delete
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Debt collection

Hi my name is XXXX XXXX and I was a victim of identity theft in 2020. I keep getting phone calls and letters in the mail stating that I owe XXXX to XXXX XXXX XXXX  from a debt collectors XXXX XXXX. I file a police report saying that the loan was not mine and that I was victim of identity theft. The company still keep sending letters through the mail. I even notified the credit bureau about to put a identity lock on my credit. One big problem with this that they sued me and took me to court. I went to first court date and they judge said that the company was supposed to call me which they didn't do. I miss the other court dates because I couldn't miss work or I would be fired from my job. I never signed any paperwork for this loan and plus they have the wrong address down on the paper. They made a judgment and I don't know what to do about this company who keeps suing people for a loan they didn't take out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by STATES RECOVERY SYSTEMS INC would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified STATES RECOVERY SYSTEMS INC that it was no longer a valid debt and that it should have been removed.
Product: Credit reporting

Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it..
Product: Debt collection

Account was not mines but I paid to have it removed. PNC BANK states they have reported paid in full and delete, but credit bureau have not deleted
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 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 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. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Transworld Systems Inc is trying to collect a debt from XXXX XXXX  which is not mine and was opened fraudulently in my name. The amount is {$1400.00}. The XXXX account was opened in AZ using a false address. I have never lived in AZ and I have never had an account with XXXX XXXX in my life. This collection account is now showing up on both XXXX and XXXX. I have filed disputes with both agencies. I have submitted an affidavit to Transworld as a result of the disputes as well as copies of the both the police reports and the Federal Fraud reports to Transworld. They continue to tell report to XXXX and XXXX that the account is valid and they have validated all information. 

I have disputed with XXXX and XXXX on XXXX, then again with both on XXXX after they were denied. XXXX has updated my XXXX score, but not removed the collection. XXXX has not updated my XXXX OR removed the collection. 

My disputes of the incorrect addresses on my personal information were both accepted and the addresses have been removed, but the collections remain. 

Transworld Account is XXXX  and their phone number is ( XXXX ) XXXX I have refused to call Transworld. They do not have my correct phone number ( since it was opened fraudulently ), and I do not wish to start getting calls from them. 

I want Transworld to remove this debt and and I want it removed from my credit reporting. It is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, XXXX and Transunion to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX NXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX cXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

During the month of XX/XX/2023 received snail mail with a debit card for a checking account that was opened in my name to my old address that I moved from over a year ago, which I never opened. The debit card is for Chime.com / chime app with a routing and checking account number provided for me to make a deposit. Consider myself fortunate that the USPS actually forwarded this mail piece. I proceeded to calling Chime to the phone listed on their website. After providing minimal info about the account numbers and placed on hold, the chime rep came back in less than a minute and stated that the accounts have been cancelled and not active.
Product: Mortgage

My account number is XXXX My mortgage company is committing frua.d they are charging me addition fees that I wouldn't be charged. They are charging my taxes of the incorrect amount. They paid my property taxes late and charge me the late fee and interest rate. 

Let me be very clear. 
I have contacted this mortgage. My mortgage company on XX/XX/XXXX. To date I have not even received a phone call to discuss this matter. I sent an email to them ( as requested ) advising I had a dispute and that I would be contacted. It's been 2 weeks. No call. No followup. Nothing!!! 

I had to send a complaint here just to get a response 14 days later which doesn't address any of my concerns. 

**What I want is someone who has the authority from my mortgage company to reevaluate this with me. 

**Let 's be clear. The mortgage company response only addresses. Why your charging me for {$3200.00} a month instead of {$2600.00} a month. The answer was due to {$6500.00} in taxes and then insurance of {$1700.00}. However you can not breakdown where this {$6500.00} came from. Because my annual taxes is {$3900.00}!!!! 

This is my request. 
Please call me at the number ending in XXXX to address this. 

Also.. respond here to confirm how the $ XXXX in taxes came about.i want a breakdown. And after you give me a breakdown verify it's accurate. 

Let me break it down for you. 

The end of 2021 my escrow account had an ending balance of {$2900.00}. 
My taxes from XXXX thru XXXX would of been {$2600.00}. Which I had enough escrowEnough to pay. 

The mortgage company paid {$2900.00} ( because XXXX XXXX included late fees and interest because THEY paid them late. But I am being penalized. 

So.. for my taxes of XXXX is broken down to {$3900.00} in taxes ( correct ) {$1700.00} for insurnsce ( correct ) {$2900.00} ( not correct.. since I already had a balance of {$2900.00} in escrow for the 2021 year ) The charges of {$2900.00} is incorrect!!! And I would like someone not to tell me where the $ XXXX in escrow cane from but to review and confirm. That taxes you applied to my account is accurate which it is not. Why would you charge me for {$2900.00} when part is late fees and interest AND the rest I already had in my escrow account. 

INSTEAD I SHOULD BE CHARGED {$3900.00} and XXXX only. Which by XXXX XXXX in escrow monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent accounts contained in my FTC identity theft report in which I have disputed as fraud several times. I sent my DL and formal request to block/delete this damaging information that was opened in my name by someone who stole my identity. Section 605b of the FCRA states that bureaus are to block the fraudulent items with an official report and proof of identity. Reporting this fraud is Defamation and slander. I'm not only suffering damages due to their willful non compliance and Fraud Enablement but I can not enjoy the benefits that come from having the good credit I should have. I submit this complaint as my consumer rights have and is being violated by Experian ad a victim of identity theft
Product: Payday loan, title loan, or personal loan

Payday loan to get me through a rough spot. The loan was initially for {$300.00} ( I believe ) and I did ask for an additional {$160.00} ( I believe ) when I called they were very vague as to the details. To date I have paid them {$1100.00} and my balance is now {$480.00}. None of the payments have gone to the principal balance.
Product: Credit card or prepaid card

I have an account with American Express that had a card limit of {$10000.00}. I have had this account open for 2 years and Ive NEVER had a balance over 20 % of my limit ( which has always been {$10000.00} ). I recently tried to make a {$9000.00} purchase and it was denied for security reasons. When I called the company a very sarcastic and blatantly XXXX man told me that he suspected I was using this card for un-meaningful purposes, and lowered my credit limit to {$1000.00} without even telling me he would do so. I have never missed a payment and I am of XXXX decent, my name is XXXX XXXX. I have absolutely nothing in my account history to warrant a massive credit deduction as such. Even my credit reports show for the last 12 months Ive only utilized 20 % of my available credit and I have had a consistent credit score of XXXX in these months. This is absolutely horrible, unwarranted on a account thats never had a 20 % + running balance ever in its 2-year existence. I tried calling this card company back but received little help. Whenever I call the card company i speak to XXXX workers who seemingly always have a XXXX ( sarcastic ) attitude because of my voice.