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

METRO 2 COMPLIANCE DISPUTE XXXX Data Furnisher XXXX XXXX XXXX XXXX XXXX Date Opened : MISSING XXXX XXXX  Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET METRO 2 compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! 
To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).
Product: Credit reporting or other personal consumer reports

I recently checked my credit file and saw some items that are incorrect. I tried reaching out to the bureaus, for these items be corrected but it is now taking some time. I need some results, as my life is now being affected negatively due to these items. These items are incorrectly reported, thus damaging my credit profile. Because of these, I am unable to find a job, unable to find a house. 

I need your help, for my rights to be considered. Please help get these items corrected and updated on my report.
Product: Mortgage

I'm applying for a new mortgage but on my credit is a very old open mortgage saying I owe XXXX this house was sold 7 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

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 XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00} XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

Venmo closed my account and will not give me a specific reason. They first asked me to upload a picture of my ID which did, which I already done previously when I received my Venmo Debit card in XXXX XXXX 2021. My account was suddenly frozen Venmo sent me a vague email stating my transactions were in violation of their terms of service agreement. My transactions were money between friends, grocery stores, XXXX, etc. When I asked what specific transaction are you referring to they said they could not tell me. They informed via email that the funds in my Venmo account would be held for XXXX days for loss prevention measures.
Product: Credit card or prepaid card

Navy federal credit card charge me for fraudulent activity that was made on my account without my authorizations. I reported these fraudulent charges and they are still charging me for things that I did not do I never use my Navy Federal credit card I apply for it I got approved for it and never used it I lost my card and someone used all my funds on my navy federal credit card now They are charging me for the fraudulent activities
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds were impossible and that tracking these transactions was infeasible. The CFPB 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 consumers safety.
Product: Mortgage

Shellpoint Mortgage Servicing bought my mortgage from Ditech when they filed for bankruptcy. My monthly bill of {$1500.00} has been paid on time to both Ditech and Shellpoint since they took over. I am being charged for insurance which I have as part of my condo fees. They have been sent documentation and when I called and spoke with the insurance dept. they acknowledged it was received. They are still charging me and deduct insurance cost from my payments and charging me late fees because they say my payment is short. All the late fees and insurance cost amount to thousands of dollars and now they refuse my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BEWARE! American Express is sharing customer data with XXXX. THIS IS UNBELIEVABLE in an age of data privacy. IT IS UP TO INDIVIDUALS to unlink their financial account with XXXX.
Product: Debt collection

I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They  responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.
Product: Mortgage

My financial hardship started in 2015. I contacted my mortgage company and they have been requesting for the same documents over and over again for the past year. It has been a nightmare and has caused my medical condition to get worse. I have provided my documents on a timely fashion and have yet to get a final response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a copy of my credit report and noticed fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was included in a amortization of debt. We filed in XX/XX/2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am unaware of them, and the company proceeded without my consent.
Product: Student loan

Navient refuses to lower my monthly payment and suggest that I find a way to pay it or it will just add up. They suggest forbearance and or deferment. I will not do that. They made me do that before and it just added more to what I owed. Completely unjust! 
I have loans for XXXX different schools, XXXX XXXX XXXX XXXX and XXXX University.
Product: Mortgage

In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line.
Product: Credit reporting or other personal consumer reports

In XXXX of 2021 i was attending and event for a friends birthday and on the way out my purse with all my personal information and jewelry was snatched by someone inquiries have been appearing on my credit reports since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a some addresses on my report that are not mine. My name is XXXX XXXX XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE (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, credit repair services, or other personal consumer reports

RE : Unauthorized hard inquiry on credit bureau reports. 

On Saturday, XX/XX/2019, I was notified by my credit monitoring services that a new hard inquiry had been recorded on my credit bureau reports. Upon investigating the report, I found that XXXX XXXX XXXX, in XXXX XXXX, Idaho, had performed the inquiry. 

On Monday, XX/XX/2019, I contacted XXXX XXXX XXXX  regarding the inquiry. I learned that the inquiry had been ordered by XXXX XXXX, with Leader One Financial, XXXX XXXX Loop XXXX, XXXX XXXX, XXXX XXXX, Texas, XXXX ( the offices of XXXX XXXX dba Leader One Financial ). I was very concerned over this matter as I had never done business with that company, nor had I applied for any lines of credit recently. 

I called Leader One Financial and spoke with XXXX '' who informed me their company was in the process of refinancing my ex-wife 's residence, for which the loan was still solely in my name. XXXX said that XXXX XXXX was handling the mortgage application and that they had, in fact, pulled my credit. XXXX claimed that the inquiry should've only been a " soft inquiry '' as it would have been for a mortgage history file. I pointed out to XXXX that, regardless of the type of inquiry it was, Leader One Financial was neither my lender, nor my refinancing company, and that I had not authorized or  consented to have anyone pull my credit. I also told her that the inquiry had been recorded as a hard inquiry on all 3 credit bureau agencies and that I wanted the unauthorized inquiry removed. XXXX told me the quickest way to resolve it was to dispute the hard inquiry with each individual credit reporting bureau. I asked if Leader One Financial could simply issue a letter of removal/deletion to have it taken off my report. Again, I was instructed to file a dispute with the credit report agencies and was also told that the on-line systems of the agencies would let me dispute the hard inquiry. 

Following her instructions, I started with XXXX  's online site, created an account, and initiated the process of launching a dispute. Halfway through the process, I found that I could not dispute hard inquiries online. 

I then contacted XXXX XXXX XXXX  again, where I explained my dilemma to XXXX XXXX. XXXX was most courteous and agreed to help me with my situation. Since that time, XXXX was able to correct the fraudulent transaction that was performed by XXXX XXXX and Leader One Financial. 

I have never done business with XXXX XXXX or Leader One Financial and I have never given him/them my consent for my credit report to be pulled. His/their actions were not only a violation of the rules/laws, but also unethical.
Product: Checking or savings account

Wells Fargo Bank called and informed me they wanted to close my account due to too many claimsand too many debit card replacements. After contacting them to dispute this I was screamed at and was treated to several abusive tirades
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 confidentiality under 1 5 USC 1681. 

1. 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 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.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer credit report without their written consent is identity theft i did got give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated i am demanding the company to remove the account fromt my consumer report not later then four business after such information i provide acount information ( XXXX XXXX  ACCT # XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Credit application done on XX/XX/23 Fraudulent application in my name
Product: Credit card or prepaid card

Because of my XXXX purchases before XXXX I had {$39.00} rewards that I redeemed on XX/XX/XXXX and received a confirmation email : " Hello, XXXX XXXX Account Ending in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. 
Redemption Date : XX/XX/XXXX Redemption Amount : {$39.00} Thanks for being a cardholder! 
Visit Account Center '' No {$39.00} arrived into my checking account XXXX, so on XX/XX/XXXX I sent a secured message to credit card company and asked about my {$39.00}, after several emails credit card company told me to call their XXXX number and when I did they put me on several holds then they haged up after 18minutes.
Product: Credit reporting or other personal consumer reports

I paid this account off in full. Opened another bc it was for {$8.00} after I paid off, then paid off that balance it shows up as a negative on my credit report and would like the account removed since balance was paid in full and they agreed to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrect information I did not have two late and I only owe them {$300.00} and also XXXX  is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  XXXX  is also not late.
Product: Debt collection

Remove the late dates from my XXXX XXXX account on my credit report, as acknowledged by XXXX XXXX, who has already agreed to update the account. Uphold their promise to rectify the error and reflect the accurate status on my credit report promptly. I believe it's appropriate to remove the late dates resulting from a mistake and expect swift action. Ensure my credit report accurately reflects the resolution of this matter without delay. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has put myself and my family at risk through improper handling of very sensitive personal information. I have no choice in the matter of whether I entrust Equifax with this personal information, because in today 's society it is mandatory if I want to maintain my financial worthiness. 

Equifax literally has one job, and that is to securely maintain this information to protect and preserve my credit. They have failed in the worst possible way. Now myself and others are at risk. The size and nature of this breach, nearly 150 million people affected, means that it is statistically unlikely that the negative consequences will hit me in the immediate future. This actually presents a problem, because it makes it harder to be prepared for it. 

Obviously many of us concerned individuals will be doing everything we can to monitor our credit and watch it closely over the coming months, but with a breach of this size it could be 10 years from now that my leaked data is used against me. We are all vulnerable now, and it could happen at any time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, there was a XXXX fraudulent charge on our XXXX account that we haven't used in over 3 years for {$2900.00}. When I called XXXX 's customer service number to report the fraudulent charge, the representative asked to gain access to our XXXX XXXX. For almost XXXX hours, he gained all my personal information -- SSN, DOB, name, address, IP address, email, etc. He was able to login to our bank, transferred {$7000.00} ( almost the entire balance ) from our savings to checking account. He set up a fraudulent account at Remitly using my personal information to run a credit check and transferred {$1800.00} to an XXXX bank account. The representative asked me to call my bank to authorize the transfer. That's when I realized something was wrong. I checked my bank 's app and saw the {$7000.00} transfer from our savings to checking account, then proceeded to hang up on the XXXX representative. In the meantime, I got over XXXX calls from Remitly asking me to verify the {$1800.00} transfer. I immediately called my bank to put an account take over alert on file with them. I called Remitly XX/XX/XXXX and was told the fund transfer to an XXXX bank was approved, can't be reimbursed, and that the fraudster used my personal information to do so. The representative suspended my account. On XX/XX/2022, I sent an Identity Theft Dispute letter to Remitly requesting that they reimburse me for the fraudulent transfer of {$1800.00}, remove my information from the credit files, and I enclosed a copy of my Identity Theft Report and CFPB 's Notice to Furnishers of Information to cease furnishing the information resulting from identity theft to any credit reporting agencies ( CRAs ). I requested that Remitly send me a letter explaining their findings, actions, and that they will remiburse me for the fraudulent transfer, as well as close my account and report my information to the CRAs. I've never heard back from Remitly, nor have I received any of the fraudulent transferred funds of {$1800.00} either back to my bank account or by check. I'm requesting the CFPB assist me in getting the fraudulent transferred funds back, contact Remitly to close the fraudulent account, and make sure my personal information will not be reported to the CRAs.