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

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

received a copy of my credit profile and it had incorrect information on it
Product: Credit reporting or other personal consumer reports

Dear CFPB, Transunion, XXXX and XXXX all allegedly claim that they have gone through a thorough investigation on my dispute. My dispute have nothing to do with anything being allegedly accurate .My dispute is that these three companies are forging my signature and publishing my personal information without my written signature.I have never agreed for these companies or for transunion XXXX and XXXX to be doing business upon my name with each other .This is fraud between everyone and i would like for everything to be removed ASAP
Product: Mortgage

Dear Sirs, My complaint is regarding my Loan Mortgage Service Company ( Rushmore Loan Management Services ).

We applied to the Forbearance Plan under the CARE Act for the COVID-19 Pandemic.

We were approved for six months. We are now applying for the Extension Forbearance Plan for three more months, due to still being unemployed.

When the process to apply for the extension began, our Mortgage Company requested several documents like bank accounts statements, proof of unemployment, etc. which we provided immediately. Several weeks passed and never received an answer until we started receiving letters from the Loss Mitigation Department, in order to avoid Foreclosure.

We had to borrow money to pay at least one month to avoid th
e Foreclosure process.

We think that it is unfair the way they are treating us. We are in the middle of a Pandemic and as you know we have the right under the CARE Act to be helped from our Mortgage Company to be able to keep our house.

They are charging us late fees, they are reporting us to the Credit Bureau us delinquent payment. Our credit score has been seriously damaged. 
Please, help!
Product: Debt collection

Dates are not possible to list as this has been an ongoing issue for several years. 
XXXX XXXX XXXX is XXXXXXXX XXXX. Some XXXX in fraudulent charges were disputed. XXXX never provided a list of charges dispite numerous requests. XXXX has sold the Debt to Midland Credit, a recovery firm. I have communicated with Midland recently. A supervisor " XXXX '' was offered a reasonable cash settlement to just make this go away. The amount they feel they needed to recover is roughly XXXX of the XXXX in fraudulent charges. I had already paid XXXX of the fraudulent charges when the negotiations became oppressive. I already warned them if my credit was damaged by their recovery efforts without substantial proof this debt was owed, I would take action to bring suit. 
I offered " XXXX '' XXXX on XX/XX/year>. XXXX tried to make it XXXX. I'm sure he's believes he is doing his job. XXXX made no additional efforts to set up a payment plan. The call ended. 

I am looking for a source of mediation in this matter. 
The dept should have been resolved while I was still in communication with XXXXXXXX XXXX. I didn't hear anything more about it. 
It has come up again with this less than reputable XXXX XXXX 

Can you help me to resolve this issue.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report.

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against Experian, XXXX, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX XXXX XXXX XXXX  Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. Experian also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. Experian. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 

XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against Experian, XXXX, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and the bureau on several attempts. The accounts are reporting inaccurate on my credit file. I have no knowledge of these accounts XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX
Product: Checking or savings account

A Bank of America checking account was opened in my name fraudulently
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Fraudulently signed a purchase contract without my consent and try to forced me to take the truck that is been siting on the loan since XX/XX/2022 ( the motor doesn't work ). I tried contacting them and now they have another owner and they told me that DMV and FBI is investigating their business that they cant do anything about it. So the loan is showing on my credit after they forced my signature and they did a fraudulent smog on the car.
Product: Checking or savings account

I had opened a Wells Fargo Everyday Checking account ending in XXXX on XXXX XXXX using code from mail : XXXX and close to the end WF system got hanged so I called XXXX the next day and XXXX XXXX had completed for me opening and said to call the same number if i won, t get promised {$320.00}. I got only {$300.00} and called XXXX to agent XXXX XXXX who sent to me e mail telling my case is closed.Wells Fargo case number : XXXX since i used code : XXXX when opened account.This is not true.I called XXXX XXXXshe provided 4 times, left message with my number, also spoke t 3 different agents who promised XXXX XXXX would call but it never happened.Please help me .disable little person to fight big bank.This is her info : XXXX XXXX XXXX 

Escalations Representative Enterprise Complaints Management Office XXXX XXXX  XXXX, XXXX XXXX, SD XXXX Fax : XXXX Very truly yours XXXX XXXX
Product: Credit card or prepaid card

On XXXX I paid off my Amazon Store card through Synchrony Bank. This amount was for XXXX. They decided to take a second helping of the same amount. They told me they could not return the money and only cut a check later despite the amount of financial ruin this would have dropped on me by taking way more money than I had available to me. The actions they were supposed to take was wait for me to put a stop on my account to block the second charge. Then if all else fails issue a check. Well they issued a check anyway despite asking them not to, and now mysteriously they say part of my original payment is missing, despite it being paid in full as of XXXX and reflecting as much in my account. I have spoken with multiple agents whom blame my bank for this issue despite it being on their site that it has seemed to become worse with each passing day and every new interaction.
Product: Credit reporting or other personal consumer reports

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Equifax : XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXXXXXX XXXX - ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX ending in XXXX XXXX XXXX ending in 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 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 HAVE THESE FRAUD ACCOUNT THATS ON MY FILE THATS REPORTING INCORRECT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT.I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Direct Deposit Funds Transfer {$5000.00} XX/XX/XXXX Direct Deposit Funds Transfer {$5000.00} I opened XXXX claims in XXXX of XXXX. They denied them and I reopened them in XXXX of XXXX. 
Claim XXXX was credited back XX/XX/XXXX It was a funds transfer Claim XXXX was credited back XX/XX/XXXX these were purchases or services Claim XXXX and Claim XXXX are the XXXX {$5000.00} claims they are denying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company several times along with XXXX to have this account removed from my credit report. They ask me to contact XXXX to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both Medical Revenue Service and XXXX. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. This event occurred to me on XX/XX/year> 2022
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Despite providing proof of insurance at time of vehicle purchase, First National Bank of XXXX, PA Ph # XXXX forced a {$5000.00} auto insurance policy on me. In 30+ years of purchasing vehicles, I have never had this happen. 

1. They made no attempt to contact me to discuss this matter over the phone. 
2. I only received a mailed notification after they already implemented this unauthorized charge ( they conveniently added it to the principal of the loan, probably hoping I wouldn't notice ). 
3. I was told by 3 different people at FNB that I would receive a full refund once they reached out to XXXX XXXX to verify that I had the insurance policy at the time of vehicle purchase. 
4. To add insult to injury, they only issued a partial reimbursement of {$3000.00} on XXXX. 

I don't see how this is anything but extortion. Where is the consumer protection in this type of egregious banking behavior?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation {$21000.00} My social security number is being compromised and used as collateral by XXXX XXXX XXXX in XXXX and XXXX XXXX XXXX in New York My personal non public information is being used please help me by deleting negative items from my credit In accordance with FCRA 15 U.S.C 1681 section 602 A states I have the right to privacy
Product: Debt collection

I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX CARD or XXXX. 

XXXX XXXX {$2200.00} XX/XX/2021 Account Number : XXXX XXXX {$10000.00} XX/XX/2021 Account Number : XXXX address i never lived in NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with Transunion I had a total of  XXXX  inquires on my credit report, there was a glitch in there system summer of   XXXX   that caused inquires to be placed back on my credit report that was already removed, The glitch happened again early   XXXX   causing more inquires to be added to my credit report. I have tried filing a dispute online as well as over the phone and was told there is nothing they can do. I was not notified in writting that these items will be added back to my report withing 5days from after the glitch happened, my rights were violated and this adds a hardship to me
Product: Checking or savings account

I filed a claim with Wells Fargo against a merchant named XXXX XXXX XXXX. They admitted to charge me {$150.00} using my information. XXXX XXXX XXXX never give me the service. I filed the claim with Wells Fargo and explained the situation, and unfortunately the merchant able to convinced Wells Fargo that the charge was authorized by me. This is a fraud case. The merchant was literally forged my information so they are able to charge me and lied to them saying that I gave them permission. But, I have my conversation via text with the merchant stating that they admitted that they did the unauthorized charged and unable to have it reversed or cancelled. I provided that evidence to Wells Fargo and told them to see the reviews on the XXXX about the merchant. There are so many victims of fraud like me and I am not the only one. Unfortunately, Wells Fargo let the merchant get away with the fraud. Until now, Wells Fargo refused to reimburse the {$150.00} of the unauthorized charge that the merchant did. Thank you!
Product: Mortgage

My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C ss 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. SS5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate.
Product: Credit card or prepaid card

I have an issue with Synchrony Credit Card account. The account # XXXX XXXX XXXX XXXX had fraudulent activity in XXXX of 2022 in the amount of {$5000.00}. When I called the Synchrony bank in XXXX of 2022 they let me know that the fraudulent activity has been confirmed and the account will be closed. A few months later I receive a bill from another account # XXXX XXXX XXXX XXXX. When I called again they told me that they sent me a check for the balance amount. However, I have never received the check and asked them to put stop payment on the check, which they did. I received another bill in XXXX and when I called they notified me that the check has been cashed. I have never received the check and when asked for proof, they informed me that there is nothing that they can do and no further information would be provided. I spoke with the agent XXXX # XXXX, and XXXX, which refused to provide her agent number. Bank refuses to cooperate or to help resolve the issue. My credit score has been seriously affected by this issue. Please advise.