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

To whom it may Concern, Before i XXXX  from the XXXX, back in XX/XX/XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the 7 yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both Equifax and XXXX. Im guessing these have been reported to XXXX too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Reported : XX/XX/2019-  {$10000.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports,  blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This debt has been paid and a 1099-c was issued to me as income. this account should be removed from my credit bureaus for the amount of {$31000.00} is still showing up on my credit report and should be removed per the fair credit reporting act. Since the 1099-c was issued there should be no dollar amounts or income amounts showing in my reports on XXXX, Equifax or XXXX.
Product: Credit card or prepaid card

On XXXX I used my American Express to purchase an item for {$430.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX XXXX While the store employee named XXXX still had my card, another two employees took me into a back room, gave me alcohol, used a light wand on my face, then took pictures of me. During the time XXXX still had my card she made {$9800.00} worth of further purchases to my card, unbeknownst to me. 
When I returned home to find a single receipt for my {$430.00} purchase, plus multiple items I did not purchase in my bag I checked my online account and found the extra charge for {$9800.00}. I did not know about this charge or the extra items. I returned the unopened items still in their shrink wrap to the store. I did NOT purchase these items, I did not authorize the charge on my card, and I do not have the items. American Express is still holding me accountable for the {$9800.00} because I gave my card to the employee to purchase an item for {$430.00}. I was completely unaware of the extra purchases for {$9800.00} made by the employee XXXX while I was in the back room. This is XXXX!
Product: Credit reporting or other personal consumer reports

Equifax was tasked with DELETING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of running a FCRA standard dispute Equifax has sent letter requesting information they already have as a means to stall and continue reporting inaccurate information. The letter attached has Equifax asking for identification information they already have. They also have previous CFPB report for deletion, credit reports, fraud report and deletion files. Even with all this information equfiax has still taken more that the 30 days and continued to report inaccurate information that continues to be harmful
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already submitted my police report on the fraudulent accounts to be Removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject t
o subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.
Product: Debt collection

On XX/XX/XXXX I sent Goldman Sachs and Validation of debt letter when I noticed an account on my credit report that was not mine. Still to this day I have not received any original contract or anything. They continuously say they're investigating it. I have sent them and identity theft report and Affidavit of Truth on XX/XX/XXXX due to not receiving an answer in over two months. Now we're in XXXX  and they are reporting negatively/ missed payments on my credit during the whole process and still have not contacted me regarding their " investigation. '' I have called them every other week to check on the status and every time get the same answer. This was XXXX of XXXX accounts opened fraudulently and the other XXXX corporations closed and deleted the accounts without any issue. Only Apple Card/ Goldman Sachs is giving me an issue. This is causing me a lot of distress as I had a 100 % payment history on my credit and never had this happen to me before.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2022 I put in a request to receive a student loan refund. 
I called on XX/XX/2022 and was told it has been sent over to the department of education. I called on XX/XX/2022 and was told they are still processing it and it hasn't gone to the department of education. 

At this point I am upset because I am feel like I am getting the run around and that they do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and TransUnion, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zellels 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 is Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that checking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to explain the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I opened up an account at XXXX XXXX XXXXXXXX and had 18 months of interest free financing from Synchrony Bank. On or around XX/XX/2024 I received a letter stating that there were changes to the promotional interest free period. I am 6 months in to an 18 month interest free period. They are now saying that they will now be charging 2 % of total promotional transaction amount with duration of 18mo or more. I have paid on time since the opening of the card. This is in violation to the terms of their promotion and I do not think it is fair nor just Is this legal? They state it will take place XX/XX/2024.
Product: Money transfer, virtual currency, or money service

I was paid on XXXX via PayPal on XX/XX/XXXX. The money would be placed on a 21-day hold. Its now been almost 30 days and the hold has not been lifted. I contacted PayPal and XXXX, and both companies blame the other. Saying it is not their fault.
Product: Mortgage

In XX/XX/XXXX, I applied to Ocwen Loan Servicing for a loan modification in order to lower my 6 % mortgage rate. They refused to give me a lower interest rate, but did reduce my {$85.00} a month mortgage payment because my income went down after going on Social Security. 
Beginning with the " XXXX month trial period '' in XXXX, Ocwen started bombarding me with delinquency notices and threatening letters. I have made all payments and have been assured that these delinquency letters are " automatically generated '' during a loan modification and will stop once the modification is finalized. The modification was finalized XX/XX/XXXX, but the delinquency notices have ramped-up to an alarming rate. For example, during the month of XXXX I received XXXX DELINQUENCY NOTICES. See attached. 
Every time I call their customer service number to sort this out I get a different answer .... During my last conversation with customer rep XXXX XXXX on XXXX XXXX, she admitted that Ocwen made a mistake on the modification and it has to be redone. I do n't know how much longer I can take the harassment from this company. I feel like I am being systematically tortured and nobody in the company is able to fix the problem. Did I mention that during the month of XXXX I received XXXX delinquency notices? See attachments. 
Here 's what rankles me the most because it is so unequitable. They screwed up my loan modification and have put me through XXXX and they get off scot free. I was late making XXXX payment XX/XX/XXXX XXXX the XXXX and only time I have ever been late ) and my credit score dropped from XXXX to XXXX. I would be forever grateful if you could put some pressure on the company to ( 1 ) FIX THE PROBLEM, and ( 2 ) Restore my credit ratingas a good-faith gesture to re-pay me for the numerous mistakes they have made and the untold number of delinquency notices they have sent.
Product: Debt collection

I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!
Product: Checking or savings account

On XX/XX/year> My wife fell victim to a scammer who had likely already had her debit card information skimmed. The scammer attempted a transaction that then triggered my bank 's alert system. The scammer spoofed the bank 's phone number and contacted my wife where he then was able to deceive her through a sophisticated process that allowed the scammer to authorize XXXX separate transactions of {$1500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). When I saw the transaction for XXXX XXXX come through I told her she was on the phone with the scammer, she promptly hung up while I called the real Navy Federal Credit Union fraud department. I made them aware and they were able to secure my remaining funds in the checking account. I have provided NFCU with all information that I can, as well as my wife. Navy Federal credited our account initially, now they are denying the fraud claim and have given us 10 days notice that they will re-claim the money from us. We will have {$0.00} in our account, and actually will go negative. They stated that an appeal will not postpone this process. We will not be able to pay our bill or mortgage and this will impact us negatively even MORE substantially than it initially did.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the persistent difficulties I have faced in attempting to correct a late open account issue on my credit report through Credit Bureaus. Despite numerous attempts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing. The continued presence of the late open account on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter. I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report. Provide written confirmation once the correction has been successfully made. I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently submitted a complaint with Equifax to report my credit card through XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They responded with the same information that they said previously which was to contact the credit union to have my credit card reported. Well, I 've done this with the credit union and they claimed to have reported the credit card to Equifax. I 'll include email confirmation from the credit union stating that they 've reported this information to Equifax. I ask that Equifax contact the credit union to make sure this is reported. I 'm also going to submit a complaint against the credit union providing the exact same information asking them to contact Equifax. I 'm tired of going back and forth between the two companies and each of them telling me to reach out to the other. I 'm not asking for a lot at all. I just simply want my credit card reported which I know will increase my credit score and all me to do other things that I desire with my credit. There needs to be communication between the two companies. I 've provided as much information as I possibly can at this point. 

XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Debt collection

- Company name : FIRSTSOURCE ADVANTAGE , LLC - Dates of contact : XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX   - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX -  XXXX XXXX   - call ( 1st voicemail ) - Complaint : As referenced above, Firstsource Advantage , LLC has attempted to contact me ( 7 ) times. Firstsource Advantage , LLC has not sent me any letters attempting to inform me of the claimed debt nor has Firstsource Advantage , LLC given me an opportunity to dispute claimed debt. 

On XX/XX/XXXX I recieved my ( 1st ) voicemail from Firstsource Advantage , LLC informing me of their debt collection attempts, along with a 'reference number ' and phone number to contact their offices through. 

On XX/XX/XXXX at, or around XXXX XXXX  I researched the number I was contacted by through XXXX and found Firstsource Advantage, LLCs ' contact number ; I informed an individual that I demand Firstsource Advantage , LLC makes no further attempts at contacting me. I then called the number I was originally contacted by [ XXXX ] and informed a second individual that I demand to not be contacted any further about any claimed debts. 

Firstsource Advantage , LLC is in clear violation of FDCPA Section 1692g ( a ) which requires a debt collector to send a written notice of a claimed debt to a consumer within five days of the collector 's initial attempt to collect a debt and specifies what information the notice must contain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC, entered into written Settlement agreement, these XXXX XXXX stated in their letter that they would remove their TradeLine OFF my Credit Report, but rather these XXXX are still showing their TradeLine on my XXXX Credit report in an effort to Suppress my Credit Report as a XXXX Consumer. Portfolio Recovery Associates LLC are collaborating with XXXX XXXX and XXXX with efforts of Suppressing my Credit Report. CFPB, if you would read attached letter from these criminals Portfolio Recovery Associates LLC whereby they would XXXX Purge their little XXXX TradeLine Off my Credit Report, its still there!
Product: Bank account or service

On XXXX XXXX 2016, I had several fraudulent charges on my account XXXX includes XXXX of XXXX I received an alert, immediately called to resolve the issue.. Chase definitely agreed these charges were fraudulent.. on XXXX XXXX @ XXXX I get a reverse charge of # XXXX I immediately called the claims dept. First person I talked to stated They had called XXXX and XXXX said it was liget charge.. I called XXXX myself gave them my old card ( thank goodness still had it ) XXXX said yes this is fraudulent.. They immediately reverse the charge.. I had explain to XXXX what Chase told me, XXXX said they did n't give the number on card only name and email, that 's why it was not recognized XXXX accounts.. I called back Chase claims dept this time the agent gave me whole new reason, it was based on my spending habits.. WOW!! I was dumb founded.. it 's not about the amount, it 's about the behavior and principal here.. This is how my bank is reacting to fraud.. Not very happy.. please contact me XXXX 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

I wrote a check at the beginning of the month to payoff my auto loan with Bank of America. They hadn't received the check by the XXXX. I put a stop payment on the check with XXXX ( the week prior ) and called Bank of America to payoff the loan on XX/XX/XXXX. Bank of America cashed the check ( that had the stopped payment ) on XX/XX/XXXX. XXXX failed to stop the payment and Bank of America cashed a check after I paid off the entire loan. Now my bank account is overdrawn and XXXX is refusing to provide a provisional credit and Bank of America is refusing to issue my return my funds ( although I owe them nothing ).