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

I was made aware that an account was opened using my name in XXXX for XXXX XXXX XXXX. This account was opened using a NY address despite the fact that I was living in Arizona, and have the supporting documents to prove it. 

I don't understand why it is so difficult for them to see that a college student at the time could not possibly be paying for services in a state I did not reside. 

Having this inaccuracy on my file is getting in the way of my life, and so I am writing to you today in hopes that you will help me move forward with all of this. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I, XXXX XXXX, the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

I have various names & addresses being reported on my consumer credit report. The information is either false or outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting another compliant regarding this XXXX XXXX XXXX that was opened fraudulently.
Product: Debt collection

On XX/XX/2021 I called in to conns customer service to pay my debt for over XXXX and the company offered to settle for {$1400.00} and I asked the company if it would be removed from my credit report. They said that they will put settled for less than full amount and that they would remove it from the credit report. Ive called several times and the company keeps giving me the run around and no one will remove the negative closed acct from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
SST XXXX
Product: Mortgage

The FREEDOM Mortgage company called me and offered me a refinance. They asked me for a schedule of property owned. I returned that document to them in 2 days. When the agent CALLED ME BACK he asked for more information and then told me the offer was for Monday XX/XX/21 ONLY and that on XX/XX/21 when I returned the documents to them they could NOT honor the offer. The Rate was above the market but had no fees. HE did NOT tell me on Monday it was for that day only. HE advised me on Wednesday he didn't know that was going to happen, but I specifically asked them NOT to run my credit unless the offer was solid. Now they misrepresented the offer, ran my credit which hurts my credit score AND they " bait and switched '' me on the refinance offer. I want the offer honored OR I want the inquiry on my credit report removed!!! See attached- NO reference to " today only ''
Product: Debt collection

I received a letter dated XX/XX/2024 from Jefferson Capital related to a XXXX account with an amount of {$5700.00}. I have never owned a XXXX account, and the email address and phone number on the account do not, and have never belonged to me. This account is showing up on my credit report, even though it does not belong to me.
Product: Debt collection

On XX/XX/2023 I paid the amount agreed to in the settlement letter to pay to delete to XXXX XXXX XXXX  through there lawyers XXXX XXXX. Because they took legal action against me and opened a lawsuit against me.they sent me a letter in the mail stating I can pay a certain amount to settle the debt or take a risk of going to court and being sued and losing. I decided with the threats and legal action taken against me to settle the debt out of court. I paid the debt. The debt cleared on the XXXX XXXX XXXX XXXX. But XXXX XXXX never reported that the debt was paid. The lawyers they had XXXX XXXX. Said I would receive a letter stating the debt was paid but I never received it. And Everytime I have disputed the information as paid and settled and deleted it is never updated by XXXX or XXXX. Infact XXXX has the debt by XXXX XXXX XXXX duplicated and on my account XXXX  for the same debt. They are damaging my credit with reporting false information and violating my rights. I would like this information removed. CEO XXXX XXXX of XXXX. CEO XXXX XXXX of XXXX. XXXX XXXX president of XXXX XXXX XXXX and XXXX XXXX. And XXXX XXXX of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized credit inquiries on my Experian consumer report. I reached out to Experian regarding this issue with no resolve. My consumer right have been violated.
Product: Credit card or prepaid card

I received an email promotion on XX/XX/21 stating if I opened an account I would receive {$20.00}. I never received this bonus and today I was told I had to add {$10.00} but nowhere in the promotion does it say that. It has been more than 10 bus9ness days. I was also supposed to get {$10.00} for credit monitoring which I never received, and {$50.00} for a referral bonus. You confirmed the referral was done successfully, but I only received 500 points which equals {$5.00} not {$50.00}. I am missing 4500 points for this referral. I have chatted three times with zero resolution. This is a classic bait and switch and I would like the funds totaling {$80.00} added to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report from XXXX XXXX XXXX which was close closed over a year ago yet trans union is still reporting it as active. It needs to be removed. There is also information on my report for XXXX XXXX  the house was sold and the account is closed. I respectfully refuse to furnish a social security card as requested or any information that could be used in a fraudulent manner as it has been well documented that these information carries have had issues with data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXXwo accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX  account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for 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 XXXXXXXX XXXX I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent.

My credit report also has in accurate reporting. All information reported should match up on all 3 bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all 3 bureaus.

There are many errors throughout my credit report. Please check for accuracy.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 5 dated XX/XX/XXXX  ) ; - in the amount of USD XXXX ( payment order No. 6 dated XX/XX/XXXX  ) ; - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/XXXX   ). 
Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. 
Payments have not been received by the recipient. 
As far as I know, all payments are blocked. 
I ask you to help me set the details and the date of blocking payments. 
I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 


Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information 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 ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

The Representative - XXXX XXXX for XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.
Product: Mortgage

XX/XX/XXXX applied with mortgage company prior to transfer of servicer on XXXXfor a loan modification, i was given a forbearance with XXXX then loan transferred tp. they stop payments on XX/XX/XXXX last payment was XX/XX/XXXX. i am in foreclosure no sale date. I would like to keep my home since XXXX.nthis loan has been transferred five times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the companies that pulled my report. I have been in XXXX data breach XXXX data breach and XXXX XXXX XXXX XXXX breach and someone keep pulling my info please Delete all hard inquiries .. none of them are associated with no account.
Product: Money transfer, virtual currency, or money service

So this is actually the second time cashapp has closed my account, first because they refused to get my funds back for a purchase I did not make and now for some alleged violation of their terms of agreement though I only take payments for services rendered doing tech work and most certainly have violated no terms. They both times refused to tell me anything just that they can confirm my account is closed. Last time it took me getting the company that took my funds fraudulently returning every penny of it for them to reverse the decision. This involved over a week where my money was literally locked into my account there and I could not get it out ( my bank at the time was a competitor they refused to allow me to withdraw to or even add as my bank ). This time I already had an account somewhere they allow only because of the issue from last time so I got my money out immediately. They have thus far refused to allow me a fair chance to prove they are wrong as they wont even tell me what term I supposedly violated so its impossible to gather proof of their incompetence as I dont even know which of their numerous pages of terms they are accusing me of violating. This is absolutely unacceptable from a banking institution and has cost me the ability to take payment from some of my clientele and has brought real world damages to my business. These guys legit have the worst customer service ever, they refuse to tell you anything then act like they have given you information and once escalated they again claimed that they had given me the outcome of the escalation in spite of not having done so. This has to literally violate laws of some variety cause its deceptive and shady and has messed with money that is not theirs without any ability to defend my business. Please hold them accountable for what seems like a gross over stepping of a financial institutions bounds.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed billing errors with late payments that don't align with my usual record. Please correct these mistakes and update my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent a letter to TransUnion, and XXXX XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, TransUnion, and XXXX have 30 days to respond to my dispute. This a violation of my rights.
Product: Mortgage

HERE 'S THE PROBLEM : Rocket Mortgage has sold the servicing of my loan in spite of declaring on my CFPB Loan Estimate form that they intended to service my loan. 

EVENTS : On XXXX XX/XX/2023, I received and email from Rocket Mortgage notifying me that my loan servicing was being sold to XXXX. M On XXXX XX/XX/2023, I called Rocket Mortgage, and submitted a copy of my CFPB Loan Estimate that Rocket Mortgage generated for me when I was refinancing. 

The CFPB Loan Estimate shows the same Loan ID # as my mortgage. 
At the end of page # 3, the CFPB prompts the loan originator to select 1 of 2 intentions for servicing the loan. The options short and concise. They are : 1. " We intend to service your loan. If so, you will make your payments to us. '' 2. " We intend to transfer servicing of your loan '' Rocket Mortgage selected option # 1. 

I confirmed this intent back when I was refinancing. I ALSO confirmed this on the original note, when I selected Rocket Mortgage as my loan originator over a competitor who did not intend to stay on as a loan servicer. I valued continuity and have heard about disorganized transfers of servicing, so I chose ( and chose again! ) to work with Rocket Mortgage. 

On XXXX XX/XX/2023, Rocket Mortgage had someone from their XXXX XXXX call me back. I stated very clearly that I wanted to stay a servicing customer of Rocket Mortgage and that I did not consent to the transfer-of-servicing. I was told it was happening anyway. I asked if they would ask XXXX to reverse the transfer. The representative said they could not. The representative offered that they would share my complaint with others to initiate a potential review of how this section is filled out for other customers, in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX  account # XXXX act has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

This complaint is against TD Bank. There were over XXXX fraudulent charges in my checking account that occured over the course of 5 days ; XXXX. I was asked to file a police report, which I did. The total amount taken from me is {$6600.00}. This money was to be credited to my account after over 25 calls were made to the bank. I was advised from customer service supervisors that this was " being worked on '' and I will see my credits. To date, only {$1900.00} has been given back. Each time I call I am told either the money was refunded, the money won't be refunded or it is in process. I am not able to speak to the dispute/investigations department, as they are not customer facing, but the people in that department are the ones making the decision. I believe TD bank should be investigated for keeping my money, not catching the fraudulent activity and for consistantly and constantly lieing to me.
Product: Credit card or prepaid card

I made two recent online payments total amount of {$1200.00} same way always make my payments for the past 10 years. The two payments that I made were made under the impression that the payments were going to be successful as they always are. And if there has ever been in issue in the past I always as a loyal consumer always makes my payments. I then realize that the payments that were made to Capitol One Credit Card never posted to my bank checking account. I then logged onto my online account and notice the two payments were returned. I then contacted Capitol One Credit @ XXXX @ XXXX to inquire what was going on with my account. The rep XXXX states there may be an ach hold on my bank account and to contact my bank to check. She also stated that the account wasnt closed it was open and just go online to make a payment on my account once I find out whats going on. I then contacted my bank immediately to inquire if there were any issues with my account such as fraud or holds for some that I wasnt aware of. The bank stated everything was good on their end and my account was ok. I also never also received any documentation via mail the same way I did receive a letter via mail stating my account was closed which was devastating because I had this account for 10 years and this will affect my credit. Thats something that I dont want. I worked very hard to be where I am and this type of discrimination towards me is not going to be accepted. I also gave the bank authorization to speak to Capital One in regards to this issue. They had call records and documentation that I called in regarding this matter. This was definitely not intentional in the way that Capital One Representative see it as. This was an honest mistake and my account shouldnt be closed. It should be reopened as I have done what I was informed to do to reopen my account which is making the payment in the amount of {$1200.00} which cleared, sending a copy of my bank statement to show that the numbers ( last 4 ) were similar and thats the account number that should have been on my account. Which has now been removed. Ive never been late on my card in the past 10 years which I did check my credit report regarding this matter and I have proof of that. I also looked at my statements for as long as Ive had this account and Ive always paid my bill no matter what. Im requesting that my credit card be reopened immediately as I was informed by the representative manager XXXX. In addition I was informed by XXXX Representative that was account was ok and not closed. It should have never closed to begin with. Please rectify this immediately. I hope we can avoid this being escalated further.