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

formal complaint regarding the handling of my XXXX XXXX account ( account number : [ XXXX ] ) issued by XXXX XXXX XXXX. Despite never using the card, I discovered that fraudulent transactions were made on my account, which I promptly reported to your institution. Although it took several weeks to resolve the issue, your team eventually corrected the problem and closed the account at my request, leaving the balance at XXXX dollars. 
However, in a subsequent move that I find unacceptable, your bank has reported my account as late to the credit bureaus. This decision has caused significant damage to my credit score, which is unfair and illegal under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, 15 U.S.C. 1692e ( 8 ) prohibits debt collectors from reporting false information about a debt to a consumer reporting agency. 
The reporting of my account as late is a clear violation of this provision, as I did not owe any amount on the account at the time of closure. The fact that the fraudulent transactions were not my responsibility and that I took prompt action to report and resolve the issue should have absolved me of any responsibility for the outstanding balance. 
I request that your bank immediately take the following actions : Remove all negative reporting from my credit file ; Notify the credit bureaus to correct their records ; Provide a written explanation for this egregious error and how you plan to prevent similar situations in the future ; I would appreciate a prompt response regarding your investigation into this matter and the steps you will take to rectify this situation. If I do not receive a satisfactory response within 5 days, I will be forced to pursue further action through regulatory agencies and legal channels.
Product: Debt collection

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX VETERANS UNITED HOME has ran my credit several times without my consent. on XX/XX/2022 XX/XX/2022 XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer has notified EQUIFAX of inaccuracies being reported. An FTC fraud report has been filed for all accounts marked as " CHARGE OFF '' and EQUIFAX has been notified. Equifax continues to report these inaccuracies even though Equifax is obligated by the FCRA to remove such items within 4 days. I have pulled my Earnings and Income Statements from the Internal Revenue Services and there has been NO CANCELLATIONS of any consumer debts filed ( XXXX nor XXXX ). I am requesting that EQUIFAX provide documentation used to determine accounts in my name have been charged off. I AM NOT requesting an E-Oscar report. If EQUIFAX does not have documentation to show that these accounts are accurate, they must be removed immediately. EQUIFAX continues to profit from consumers ' reports through securitizing data via the Securities and Exchange Commission file number XXXX. I will be filing form XXXX to notify the IRS of EQUIFAX 's complicity in attempting to defraud the UNITED STATES. I declare that I have not signed any XXXX form releasing my social security number to any alleged creditors for the accounts marked " charge off ''. Equifax has 7 days to provide me with a copy of my updated CONSUMER FILE ; NOT CONSUMER REPORT and the name of the persons spoken to, documentation used, and signed applications with my wet ink signature for all accounts with charge off status.
Product: Credit card

I sent a payment to XXXX Credit Card in XXXX. It was processed by JPMORGANCHASE and withdrawn from my checking account on XX/XX/XXXX. XXXX said I never made a payment so I sent them a copy of cancelled check and back of check for who and when they cashed it. XXXX said they would do nothing about it and I had to get it from JPMORGAN. After XXXX days and being on hold off and on for XXXX minutes they said they would not do anything because I don't have a card with them. So I asked her why they took my money then. 
JPMORGANCHASE owes me {$210.00}.
Product: Mortgage

Currently, Ocwen wants me to start the modification process all over. Ocwen has lost or misplaced my paperwork multiple times. I have answered every call, attended every appointment but when it come time to submit paperwork something happens. Recently they approved my modification. I completed all of the trail payments, submitted all of the paperwork even after the XXXX set was destroyed by rain. Then on XXXX XXXX they denied my paperwork after assuring me that they have my file and I only needed to correct XXXX slight issue. I returned their paperwork before their due date and they have since started foreclosure precedings on my home. Even though they send me an agreement saying to return the corrected paperwork by the XXXX and the loan is still modified. Multiple phone calls have only lead to their reps saying everything is ok yet they continue to send denial letters and foreclosure paperwork.
Product: Mortgage

Freedom mortgage is not applying my full mortgage payments to my account. I have made payments of {$970.00} since XX/XX/2022 to my previous lender and to Freedom mortgage once they bought my loan in XXXX. I have not missed a payment in 8-9 months. Louisiana. HAF have just approved and SENT PAYMENT to FM of {$8100.00} for mortgage reinstatement and also approved me for {$5700.00} of future mortgage payments. Prior to getting approved I have made the full {$960.00} payment for the month of XXXX already. HAF also covered the month of XXXX. I received a statement saying i owe {$1900.00}, but i have partial payment unapplied {$1000.00}. All of my back pay has been paid, two payments for XXXX was also paid and for some reason since FM has bought my loan they have put my $ XXXX payment into a suspense account but only applying {$510.00} of my payment to this suspense account. I have attempted to figure out where my money is going, but nobody will help me. my mortgage payment is UP TO DATE. HAF has sent the needed payment to catch me up, approve me for future payments until XXXX AND FM has received two mortgage payments of {$960.00} for the month of XXXX! FM is fraud and will do anything in their power to make it as if the debtor is always behind when they arent. i am currently now in bankruptcy, but will be making my mortgage payment on my own and XXXX through my trustee. Lawyer has sent over documents multiple times to FM stating they can speak with me, but nobody can seem to find the information that my lawyer has sent over several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated XXXX and Eqifax needs to change it. They do not want to help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/XXXX.
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 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 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 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: Money transfer, virtual currency, or money service

Dear I made a XXXX  TRANSFER request from XXXX XXXX XXXX to XXXX XXXX, XXXX on XX/XX/2018. The fund was with held at XXXX XXXX  ( XXXXXXXX XXXX- JP MORGAN CHASE , NY ). When Remittance Bank is asking for status enquiry, there was no reply from them. Even the beneficiary bank got only XXXX  message but no funds transferred to them till now. I am attaching XXXX COPY.
Product: Credit card or prepaid card

A credit card ( ELAN FINANCIAL SERVI ) was open ( XX/XX/2018 ) in my name that I never had and when I spoke too the creditors they want me too send in my ssn, dob, and ID. I refuse to do so and they close the card out. It shows on my credit report as if it was my card. It has been removed from my XXXX report but still shows on others.
Product: Credit reporting or other personal consumer reports

Submitted several disputes to experian, XXXX and XXXX  about inaccurate information on my credit report and also paperwork showing that my information was a part of several data breachs that caused my report to incorporate inaccurate information. Disputes returned invalid and information still exists.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting

XXXX account reporting late on XX/XX/XXXX and XX/XX/2015 when account was never past due.
Product: Checking or savings account

I have had fraud 2 times in the past 2 months. This last time the bank allowed someone to use XXXX to take all the money from the account. {$380.00} to be exact! I saw what happened and contacted the bank. I explained that I never use XXXX! Why should I when there are other means to send money? They cancelled my account!!!
Product: Money transfer, virtual currency, or money service

I am writing this to you as a complaint, I had made a recall request to the bank in order to recall transfers that I inadvertently made to a fraudulent merchant. 
The details of the transfers are as follows : Amount Currency Transaction Date Sending Bank Receiving Bank Beneficiary XXXX USD XXXX XXXX XXXX XXXX XXXX Cathay Bank XXXX And XXXX XXXX XXXX I was contacted by a company that identified itself to me as XXXX XXXX XXXX XXXX. I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
I didn't receive the service. The merchant XXXX XXXX XXXX XXXX claims to be a broker and provides a self-directed brokerage/investment account with the ability to trade financial instruments ( stocks, CFDs, Binary Options, commodities, etc. ) and with the ability to withdraw funds on request. This was the service I paid for. But this company doesn't have a license for brokerage / investment services and is unable to have ever provided any brokerage / investment account. because all companies ( the merchant and beneficiaries ) don't have a license for brokerage / investment services, they can't provide me with the service I paid for. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant, XXXX XXXX XXXX XXXX, and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 
It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 
That is why I asked my bank, XXXX XXXX XXXX XXXX, to start the wire recall procedure. My bank sent the wire recall request to the beneficiary bank Cathay Bank several times, but the beneficiary bank I believe that the beneficiary bank Cathay Bank is associated with this fraud and money laundering. 
Cathay Bank has responded in my last complaint that they had no records of any recall initiated from my XXXX XXXX XXXX XXXX. I have attached the responses from Cathay Bank received XX/XX/2021
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX 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: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against DISCOVER BANK I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under XXXX CFR XXXX ( b ) ( XXXX ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to XXXX XXXX XXXX ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of XXXX XXXX XXXX ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

My lawyer Send money Using XXXX for the amount of {$1000.00} but my bank told me its under review when I ask the whats the reason why its under review they don't provide any reason Its really crazy because I need some found But nothing I can do The transaction date is XXXX my bank name is Wells fargo..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishes ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed belo
w is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX  Account number : XXXX
Product: Mortgage

On XX/XX/XXXX, Aimloan ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ), a XXXX XXXX based mortgage lender, charged {$450.00} to my credit card to initiate the refinance of my house located in North Carolina. the {$450.00} was an appraisal fee. For months I provided every item of documentation that was requested of me, then on XX/XX/XXXX, 3 months into the loan process, I was told by XXXX XXXX, an Aimloan representative, that I would be required to provide replacement cost insurance coverage for the property, in order for the refinance to fund. 
When the refi process was initiated, I did not have replacement cost coverage. Neither XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX have ever required such coverage on either of the older houses I own, which were built XXXX XXXX. I spent hours on the telephone and took time off from work to try to make this refi happen. My insurance agent contacted representatives from several companies, and I completed several applications, only to find that replacement cost insurance on a dwelling built at the turn of the century is so expensive that lenders do not require it. 
In my case, acquiring such insurance would negate the purpose of the refi, which was twofold. It was indicated to XXXX XXXX of Aimloan at the onset of the refi process, that one purpose of the loan was to save money, and the other was to pay off the mortgage for a second house. 
At the onset, of the refi process, I submitted documentation of my current homeowner 's policy. It was at Aimloan 's request that the payee ( policy owner ) on my North Carolina homeowner 's insurance be changed. The updated certificate of insurance was emailed to XXXX XXXX of Aimloan on XX/XX/XXXX. The bottom line is, Aimloan had my policy in their hands at the onset, but nothing was said about the necessity for me to provide replacement cost insurance until much later in the process. An unreasonable request that no other lender has ever required of me. Aimloan neglected to advise me of this requirement up front, which would have been optimal, but they also had the opportunity to advise me before XX/XX/XXXX, before the appraisal ( my appraisal copy was generated XX/XX/XXXX ). 

It was Aimloans duty to disclose their requirement/policy concerning homeowners insurance at the onset of the refinance process. They failed to do so until after they spent the appraisal fee of {$450.00}, which I paid up front. I continue to await a refund. 

If it will be of help, the loan number from one of the many Rate Lock documents generated by Aimloan concerning this matter is : XXXX [ The attached screenshot shows that Aimloan was in possession of my homeowner 's NC homeowner 's policy before XX/XX/XXXX. Item 4 is a request that my husband 's name be added to the policy ].
Product: Mortgage

My lender has not made any attempt to contact or communicate with me regarding the loan modification process. For the last year I’ve  made several attempts to receive a modification review. I have not received any info from the lender via mail or postal. I did receive a letter with a sell date pending and no info on why I was denied a modification. In order help me better afford the property I have rented out 3 of the rooms. This has given me the ability to afford new terms with my mortgage. I would like to be properly reviewed to be able to get receive home owners assistant in order to keep my home.The renters have also filled a complaint against my property due to the property having mold. Due to the foreclosure status I’m not able to file a claim with the insurance to fix the problem. This has cause exposure to mold to my tenants and myself  because the lender will not communicate with me . I would like to be contacted immediately so I can get this matter resolved. Thank You
Product: Credit reporting or other personal consumer reports

I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Here is the information to be removed from Experian ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I do not recall applying for credit with these companies, as a result I would like them removed from my credit report immediately. 
XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX