23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I initially filed a CFPB complaint against Reliance First Capital in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number XXXX against both Reliance First Capital and XXXXXXXX XXXX XXXXXXXX for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at Reliance First Capital stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and Reliance First Capital and XXXXXXXX XXXX XXXXXXXX have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while XXXX shows me as XXXX. 

XXXX is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across XXXX credit reporting agencies by Reliance and XXXXXXXX XXXX  XXXX XXXX and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised Reliance and XXXX on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.
Product: Debt collection

I am constantly bombarded with phone calls and texts message about a debt I owe. I will pay it. But, please stop the harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is improperly and inaccurately reporting on my consumer report. Per XXXX XXXX XXXX Account. An increase in debt owed on the account. This has violated my rights per 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 or its transactions without my written instructions. Please remove the inaccuracy. ( Increase in debt owed ).
Product: Checking or savings account

On XX/XX/23, my credit card with another company was taking out a sum more than I requested, which would have left me without any money in my account. I spoke with the credit card company to alert them ( I thought I had cancelled the transaction but it still went through ). In another attempt to prevent problems, I contacted Wells Fargo ( WF ) and put a stop payment on the transaction and was assured it was for that transaction only. As I attempted to make payments from WF, they were continually being declined. I've made four attempts in less than one month to pay my account. A payment I scheduled to take the place of the other payment was also canceled, so it was really 5 attempts that were denied. It wasn't until today that I was told that WF put a stop payment on ALL payments to my credit card company. I was assured that this would only be for the one transaction. 

As a result, my CC company decided to close my account, which will reflect on my credit. At no point did WF ever reach out to me while this was happening to find what was going on and to see if they could help, nor did the decline texts ever say it was because they had placed a stop payment on the account. Had that been the case, I would have immediately reversed it. Now, my credit is in jeopardy, all because they did something I did NOT ask them to do. 
And not only is my card closed, I can no longer use it. Until now, I had never had a late card payment, which I've had the last 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all XXXX Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Mortgage

My mortgage began to be serviced by Ocwen in XX/XX/XXXX. Before it was transferred it was serviced by AMHSI, American Home Mortgage Servicing, Inc without any problem. When it was transferred it was current and not in default. I received monthly statements and understandable escrow reconciliation statements. When Ocwen took over the problems started. I never received a monthly bill or a payment booklet. If I did not receive an adjusted monthly bill due to an insurance or tax increase I would simply continue paying the same monthly amount. I then would get notices of amounts due with additional late charges. While some of my payments may have been late I know I have made each and every payment and am current. I am sure Ocwen has charges me late fees many times. They often called me or sent threatening letters. Consequently I requested on at least 2 or 3 occasions a list of all charges and payments on my account from the date Ocwen took over my mortgage in XX/XX/XXXX and XX/XX/XXXX of this year ( XX/XX/XXXX ). I was promised this list from the Ocwen representatives on several occasions. If I have such a list I can determine if Ocwen is correct or is mistaken. I have not received this list. Instead on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received a flurry of letters from Ocwen threatening foreclosure. I have not received an escrow reconciliation or bill so I am not sure of the correct monthly amount. I suspect Ocwen is paid a flat fee to service a loan but it can retain all or the greater part of late fees collected from the mortgagor. Thus it may be in Ocwen 's self interest to create all this confusion. I think Ocwen should be forced to send me a complete statement of account from day one and timely escrow reconciliation statements. In addition they should send a monthly bill with a clear explanation of when a late charge is assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting fraud accounts thats dosent belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I'm a victim of identity theft, banking fraud, compromised ssn, all my personal information has been stolen. 
P.S. I'm flowing on a current report I have filled in the past year or so, please I need an update on current status. 

Contact info- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Thank you...
Product: Credit card or prepaid card

A fraudulent application was submitted in my name to American Express, seeking approval of a XXXX XXXX XXXX American Express Card. A " hard inquiry '' was made with the credit bureaus in my name ( albeit my last name was misspelled ) on XX/XX/2023. I received a notice letter from American Express dated XX/XX/2023 notifying me that the application was declined ( so an account was not opened ), but the credit inquiry does appear on my credit report. I notified a credit and identity monitoring service that I use of the fraudulent application on XX/XX/2023. In follow-up communications with a restoration specialist, I had a fraud alert placed on my credit reports. On XX/XX/2023, I reported the fraudulent application to my local sheriff 's department, and contacted American Express to request that they note the application as fraudulent. American Express confirmed that the application was denied and that no account has been opened, and that they are marking the application as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account # 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
Product: Debt collection

I have asked for validation of tis account, and received nothing, I notified the company of their infraction, and they failed to respond to that as well. They are reporting inaccurate and unverified data to the credit bureaus! They must delete this account immediatley as they have violated the FCRA and FDCPA!
Product: Debt collection

This company has violated my basic consumer rights. I have requested them to validate this account and all requested documents be sent to my correct and current address which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and other addresses used is false and not accurate. under 15 U.S.C 1692g and 15 U.S.C 1692c. You are to seize any and all reporting activities to any consumer reporting agencies until this account can be XXXX XXXX  validated. I am requesting all documents, including purchase agreement between this company, and the original creditor authorizing the ability to collect on this account, the entire payment history from since this account was established, a full breakdown on how this amount was calculated included in balance and interest fees, proof that you are license to collect and practice in my state of Virginia, original contract, payoff disclosure, agreement, bearing my signature. Also pursuant to FCRA any information reporting on a consumer report must be XXXX XXXX accurate, XXXX XXXX verifiable, and XXXX XXXX complete this account does not meet FCRA requirements for reporting they have yet to fully validate or provide all requested documents for validation, but continue to report this account on my consumer report. By sending just a statement does not satisfy the validation request I am requesting specific documents, and all documents must be received in order to fully validate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX.Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations
Product: Money transfer, virtual currency, or money service

tried to link my pnc account to my XXXX XXXX and is not allowing me to make transfers
Product: Credit card

XX/XX/2016 as I was checking out at the Home Depot Garden Center in XXXX, TX, the cashier said I could get a {$25.00} discount on my {$56.00} dollar purchase by applying for a credit card. I ask how long the application would take and she said less than five minutes. I said okay. 
The cashier fill in the application. I answer every question correctly. 
I have never received a bill. 
Based on a credit report of my account not long after, I believe Home Depot foolishly and/or negligently assigned my account to Citi Card Services. I have never received any mail from Citi. 
I believe whoever set up this application process ignorantly and/or negligently did so thinking everyone gets mail delivered to their street address. I am presently at my XXXX address where I do not receive home mail delivery. If any bills were foolishly sent to my home address, naturally I did not received them. 
In the last month I have received repeated phone calls from the same lady with a foreign accent about this bill. I have repeatedly told her that the bill must be sent to my post office address. Still no bill. 
I am enclosing my check for {$31.00} for the amount I owe Home Depot but was never billed. I am clever enough to go on line to get a mailing address. Interesting that XXXX major cororations like Citi and Home Depot can not get mailing addresses. 
Naturally, if I still have any credit card account opened, I want it closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report. 

Fraudulent Accounts : [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] Fraudulent Inquiries : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is Reporting a Bankruptcy which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Equifax pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX
Product: Debt collection

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Product: Credit card

( I HAVE ATTACHED 3 SCREENSHOTS FROM INDIGO CC website page ). I received my Indigo credit card ( through XXXX Bank ) the week of XX/XX/XXXX. I immediately went online to activate the card. I have made several purchases within the last week. I received an email today ( XX/XX/XXXX ) to register my card. I clicked on the link inside my email to go directly to the Indigo credit card site & to set up my account. They ask for my email address, a password & my FULL SOCIAL SECURITY NUMBER in order to register my account.! did input my FULL Soc Sec # which was VERY UNCOMFORTABLE. I entered this same information 6 times & read the agreement. When I click on " ACCEPT '' I got an error message 6 times & my account could not be registered. I called Indigo & spoke to a Rep & she didn't know what to do so I asked to speak to a supervisor. The time was around XXXX EST. The supervisor didn't know how to fix the problem either or knew how to troubleshoot to fix the issue. Her name is XXXX & her agent # is XXXX. She suggested that I use XXXX browser to get to their website & to register my credit card acct. I asked why would she even suggest such a thing because I got hacked through XXXX more than once in the past & will never use it again. She then says she was escalating my account so that everything would be reset and said for me to wait 24 hrs & try again & call them back. I am so very nervous about all this info that I input, especially my FULL Soc Sec #. I didn't get any help or was able to speak to anyone knowledgeable to fix the problem. No one knew what to do & they never offered for me to speak with a technician. I was trying to view my account to verify that every purchase made was mine & to make a payment if that were possible. PLEASE HELP!!
Product: Credit card

I sent a payment to Capital one and it was applied to the wrong credit card number. This left XXXX credit card with a credit balance and another with no payment made. Capital One is telling me that they ca n't apply the original payment to the correct card number or move the large credit balance left on the incorrect card without holding the funds and my credit up for at least 48 hours. They have had the funds for 14 days.
Product: Student loan

XXXX XXXX collecting on loan with unauthorized signature. Attempted to reconcile by asking for loan forgiveness or loan discharge. Consumer took action and filed a complaint with the XXXX XXXX XXXX of Tennessee XXXX XXXX XXXX   County due to XXXX XXXX violation of the Tennessee Uniform Electronic Transactions Act on XX/XX/2019. Consumer submitted ID Theft Affidavit provided by XXXX XXXX on XX/XX/2019 to their website. Consumer submitted Authorization for the Release of Information on XX/XX/2019 to their website. XXXX submitted his notarized signatures to XXXX XXXX on XX/XX/2019 to their website.
Product: Debt collection

I obtained my credit report and discovered multiple errors with accounts from  Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did  XXXX ,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
Product: Debt collection

The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report notice I have fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability obtain credit. Thankyiu
Product: Debt collection

They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contractor signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Student loan

I am owed a few thousand dollars from the US Treasury, according to FedLoan, my student loan holder. The whole reason I'm in this mess is because FedLoan recommended I get off of IDR ( Income Driven Repayment ) at the end of 2019 because it would 'save me money ' ; instead, Fedloan raised my monthly rate thousands of dollars. I was able to work with them in XXXX and XXXX of this year to have them correct that, but even after Fedloan acknowledged their mistake and told me they fixed it, they instead continued deducting {$2300.00} from my direct debit account on XX/XX/XXXX and now, after they admitted that was their error and that I should have my money returned, are unwilling to do anything to help me get the money back from the US Treasury. I have been trying to resolve this for months and am at my wit 's end and need my money. I know a few thousand dollars is not a lot of money to some people, but it's a lot of money to my small family. I have sunk days of my life into trying to no avail to resolve this. I don't know what else to do. Please help. At this point, all I want is my money returned.
Product: Credit card

My capital one credit cars states that they share your personal data to non party affiliates withoughr my consent.