23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used my Citi credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Citi a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Citi take care of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.
Product: Debt collection

I have already file a Claim in XXXX 3 times but they do not take this card that is fraud off my credit. They send me a letter from my last complaint saying that it was the first time they heard of the fraud. 

Its a LIE I have filed and its still in my XXXX Credit Report. Remove the credit card off my credit. Under the H.R. 5332, the Protecting Your Credit Score Act of 2020 I DEMAND TO BE FIXED BY THE CFPB or will take  legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX I am writing to formally request the removal of inaccurate information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681.

I have identified the following inaccurate information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 605B of the FCRA, a consumer reporting agency must block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft.

Furthermore, under 15 USC 1681, I am entitled to dispute any information in my credit report that I believe to be inaccurate or incomplete. I have previously disputed this information with the credit reporting agency, but the information remains on my report.

I hereby request that the Consumer Financial Protection Bureau take immediate action to ensure the removal of this inaccurate information from my credit report. Please confirm in writing that this information has been removed, or provide an explanation if you believe the information is accurate. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of my dispute concerning inaccuracies on my credit report. On XX/XX/year>, I initiated a dispute regarding unverified, incomplete, and inaccurate information on my report.

Since that date, I have sent a certified letter and two additional letters personally requesting an investigation. Despite these efforts, Experian has responded by stating they do not believe the dispute is valid and suggesting that I have hired a credit reporting agency. Regardless of their assumptions, I expect Experian to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to investigate my claims. 

It has now been over 30 days since I initiated this dispute, and I have yet to see any action taken on their part to resolve this matter. Therefore, I am formally requesting that all unverified, incomplete, or inaccurate information be updated or deleted from my credit report.
Product: Checking or savings account

Had an chime checking and saving account just was using it to save money would put funds in account and not touch it or check it because I would have spend it added funds to account one day and just happened to check my email account that weekend to confirm that my funds made it to account because I put XXXX in my account like 4 times that week and when I want to check all my funds were gone called chime ask to file dispute and to stop the last couple payments and they said they cant can only dispute once they clean so file dispute and was denied couple hours later spoke to merchant and basically told me they have no fraud department that will be able to reach back out get my bank to dispute charges and bank has been given me run around
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint regarding inaccurate and unlawful credit reporting by XXXX, XXXX, and TransUnion. These credit bureaus are incorrectly reporting five bankruptcy cases on my credit report that do not belong to me : XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX Over the years, I have disputed these cases multiple times in writing and by phone with the credit bureaus. However, they have failed to remove them, even though the U.S. Bankruptcy Court confirmed in writing that they do not report bankruptcies to credit bureaus ( letter attached ). Therefore, these accounts are being reported inaccurately and should be deleted. 

By reporting adverse information without my consent, the credit bureaus are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which states that " 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. '' Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures designed to avoid violations. '' By not maintaining reasonable procedures to avoid false reporting, XXXX, XXXX and TransUnion are clearly violating this code. 

I kindly request the CFPB 's assistance in compelling XXXX, XXXX and TransUnion to permanently remove these inaccurate and unlawful accounts from my credit report. Their continued false reporting has damaged my credit. Please contact me if any additional information is needed. 

Thank you for your time and consideration. 

Sincerely,
Product: Mortgage

Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my Home Equity Line of Credit. I requested a forbearance for a period of 6 months. At the time of my request, my Home Equity Line of Credit was current. In my letter, I agreed that the account would be restricted from further line of credit draws while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. I was transferred to several departments with no resolution. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.
Product: Credit card or prepaid card

PayPal accounts breached in a credidential stuffing attack on XX/XX/2023. 

Receiving repeated fraudulent emails to my PayPal account email from XXXX. 

Because email was from PayPal.com, and because I had no notice from PayPal of the breach, I called the phone number provided in the email. I hung up after they answered the call stating " excuse the call '' but now getting fraud emails and phone texts daily from the hackers of PayPal.

Called to report and over thirty minutes with Synchrony Bank representative plus two different PayPal representatives. They minimized the problem and stated they were aware of the problem, but not to worry, yet I continue to get notices from XXXX XXXX XXXX XXXX of requests for payment from my account for purchases that I have not made. 

Requesting all protections to my credit and identity theft protections provided under the laws of the United States and all applicable states due to the breach of security at PayPal ASAP!
Product: Mortgage

My brother passed away XX/XX/XXXX, of this year, the property at XXXX XXXX XXXX XXXX, XXXX , Ca was transferred to me by transfer of death deed legally. The property was sold in XXXX and the title company needed a pay off amount which Freedom Mortgage wouldn't give them until several phone calls were made. On XXXX XXXX I received an escrow refund check in my brother 's name which couldn't be cashed because my brother is deceased. I call Freedom and was told they would send to me by direct deposit which a week later didn't happen, then they told me a special check would be sent in a couple of weeks with my brothers name/successor, that didn't happen and then they told me they didn't have my address, I then talk to a supervisor name XXXX and he told my banking info and said it would either be direct deposited or a new check would be sent and if I didn't receive by XXXX XXXX to call him. I just got off the phone with him and he has no answer at this time and said he will call me by the end of his day with an answer.I also received a letter date XXXX XXXX stating that it was confirmed that I'm the owner of the property. XXXX
Product: Credit reporting or other personal consumer reports

The law states that it is illegal to report transaction history on my credit report please update. 

This is a violation of the Privacy Act of 1974 The law states its a violation per violation. 
You have reported my transaction history for over two years I am willing to settle for {$5000.00} for the violation that were committed over the years. 

You have illegal reported my transaction history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now opting of XXXX per 15 usc 1605 they are illegally adding and removing remarks on my credit file per 15 usc 1681 inaccurate reporting as they have no permission to shared my information accordingly to privacy act 1974 and credit report agency is in violation reporting transactions history. 

PLEASE UPDATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I disputed several unverifiable items with experian and the failed to investigate the disputed items within 30 days. Moreover Experian failed to provide the information on file concerning the disputed account as stipulated by section 609 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I requested the account be investigated for inaccuracies being reported on my report. I am in disagreement with the account listed below which still appears on my credit report after your investigation. This account was charged off on the following month XXXX of XXXX, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations Not to mention the inaccuracy information being reported across the 3 reporting buraus. You failed to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of this account. XXXX XXXX
Product: Debt collection

I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score with XXXX was XXXX & with Equifax it was XXXX.I closed a credit card account I had-XXXX  XXXX, I paid them off in full but in XXXX, they reported to the 3 major credit agencies that I was 30 days late.I sent XXXX, Equifax, * XXXX PROOF that I paid this account in fullXXXX XX/XX/XXXX, XXXX raised my score up to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX followed them with the exact same score.ONLY EQUIFAX, from last XXXX XXXX UP TO NOW STILL HAS MY SCORE AT XXXX!!!!!!!!! I checked my score with XXXX in XXXX, it is XXXX XXXX, I received an e-mail stating XXXX XXXX admitted I was NEVER LATE WITH ANY PAYMENT!!!!!!!!!! I've sent all PROOF along with other numerous letters to Equifax-THEY REFUSE TO RAISE MY SCORE AT ALL!!!!!!!! HOW CAN 5 credit agencies have my credit score at an EXCELLENT RATING & Equifax HAVE IT AT ONLY A FAIR RATING? EQUIFAX IS BEING TOTALLY UNJUST, UNFAIR, & INCORRECT WITH ME & MY CREDIT SCORE!!!
Product: Mortgage

My original loan servicer was XXXX XXXX XXXX However, in XX/XX/2023, my mortgage was handed over to Flagstar Bank. 

On XX/XX/2023, I received notice via USPS that my loan servicer would change on XX/XX/XXXX. That notice stated that my previous loan servicer would not process my payment due on XX/XX/XXXX. I should mail a check to Flagstar Bank via USPS for my XXXX payment. I would not be charged a late fee if it arrived late because of the change in loan servicer. I would not be able to create on online account with Flagstar until XX/XX/2023. 

I mailed a check to Flagstar on XX/XX/2023. On XX/XX/XXXX, I logged into my bank app to discover that Flagstar had obtained my bank account information from XXXX XXXXXXXX XXXX AND deducted my XXXX loan payment from my bank account without my consent. ( I consented to XXXX XXXXXXXX XXXX deducting my payment automatically, but not Flagstar. ) Because they deducted my XXXX payment automatically, I was forced to make an emergency deposit into that bank account in order to cover the check that I had written ON THEIR INSTRUCTIONS. 

On XX/XX/2023, I created an online account with Flagstar and granted Flagstar my consent to automatically deduct my payment from my account. 

The check that I wrote cleared my bank account on XX/XX/2023. 

On XX/XX/2023, I received a notice that my next mortgage payment would be due on XX/XX/XXXX, due to making two payments in XXXX. On XX/XX/2023, a loan payment was deducted from my bank account by Flagstar Bank. 

In summary, since taking over the servicing of my mortgage, Flagstar Bank has : 1. provided contradictory information on at least two occassions, leading me to make an extra payment that I would never have made otherwise and almost leading me to incur overdraft fees from my personal bank. ( If I were to make an extra payment, I would ensure that it be used to pay down the principal, NOT INTEREST. ) 2. Deducted money from my checking account without my explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard inquiry on my credit reports
Product: Mortgage

in XXXX I filed for chapter XXXX because of a potential foreclosure. For 5 years we paid BSI directly for our mortgage payment. The trustee paid the company the money owed for what we were behind. In XX/XX/XXXX we successfully completed bankruptcy and creditors were paid. BSI signed off that we were now caught up and no money was owed. Then approximately a month later we received notice that the mortgage was going to increase an additional XXXX for a year due to a shortage in escrow. BSI was immediately contacted because for one they signed off no money was owed. We were current on monthly mortgage and the trustee paid arrears. BSI first stated they miscalculated amount owed for tax and insurance. This isn't true because our attorney said that our payment to the trustee needs to increase monthly to assure that all arrears were paid. We went from XXXX plus to XXXX plus in payments to trustee, this was for approximately 5 years. Since we paid the monthly mortgage payment directly to the lender the taxes and insurance were paid. The trustee was also paying BSI. There was no way that there could have been a shortage, plus they signed off that we met all requirements and nothing was owed. With the additional monthly amount of XXXX and what is currently going to escrow BSI is taking XXXX a year. When our yearly escrow is XXXX, the difference of XXXX that is being paid to BSI. On XX/XX/XXXX BSI was contacted again to see how much longer the additional payments were owed and to once again see why. The individual I spoke to was " XXXX '', he could not explain why additional money was being taken, nor could he see any arrears, and we are definitely paying too much. He acknowledged we are paying XXXX a month for escrow which is a yearly amount of XXXX. The escrow is XXXX a year, therefore there is a XXXX over charge. No one can give us any answers they just keep taking the money. With the way the economy is, it's difficult to pay extra money when i don't have too. I hope someone can help us.
Product: Credit reporting or other personal consumer reports

Bank in 2015 my old mortgage servicer reported a delinquency of a payment. But the mortgage has been transferred over 6 months previously to a new mortgage servicer. I disputed it with Experian, they claim to validated the information, but never provide any proof ( documentation ) from XXXX of this validation.
Product: Debt collection

I do not have exact date/time. 
I get numerous phone calls throughout the day all the way to XXXX sometimes weekends as well. I have been nice with my correspondence and even attempted to explain the situation. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I wasnt allowed to work and he took my cards said they were being paid. Now Im stuck in this mess trying to get my life back. Legal action threats etc. I tried to rectify the situation through chat a week or so ago and was bullied by the agent. He wouldnt listen to the terms I tried to negotiate and kept trying to push me into setting a payment.
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 1681. 

XXXX XXXX XXXX  ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent XXXX Im seeking XXXX. Please delete them at once.
Product: Vehicle loan or lease

This loan originated on XXXX with Exeter Finance Corp . I called numerous times over the course of the loan, checking what the payoff to see that monies were being applied to principal. It seemed no matter how much I paid the principal didn't go down. I did fall behind and have to put a few payments at the end of my loan. I also double paid some months. I requested copies of their records indicating how my payemnts were being applied and never got them. There is no local branch and their business is in Texas, while I am on the east coast. Really nothing I could do. XXXX XXXX  I still owed money on the vehicle which I didn't feel I owed and records were never sent to me. I reached a settlement and paid that now company is telling me some outside agency has my title and they have no way of getting ahold of them. Every person I talk to gives me a different expectation. I know this loan was predatory to begin with and when I was trying to settle it and just getting it over and done with, I was told by the person who took my payment that they in reality could up the charge to what market value was on my vehicle since it has less than 100k miles before releasing the title. There has to be some way to stop their bad practice. This loan has been paid off and is well over 2 years past the maturity date and still I have no title to this vehicle. Had I not moved out of state and required the title I never would have known. This prompted me to check my credit report and they apparently charged it off as bad debt. Absolutely criminal in my eyes. I know they are not allowed to loan money in a few state due to their bad practices. It seems they know people will pay to try to salvage their credit and reclaim their legal documents for the property they own.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year> I have personally purchased a Vehicle from XXXX XXXX... I had been APPROVED via in house financing ; although the Dealership has indeed ran My information prior to the close of the Credit Sale. Absent a SSA-XXXX XXXX has unauthorized use of My SS, meaning per 42 USC ss 408 ( 8 ) declares that it is a FELONY to utilize My trust information ( SS # ) and indeed is a violation of Criminal Law. I Also sent a Correspondence dated XX/XX/year> unto the XXXX branch Certified Mail/ Return Receipt. Not to mention, they still Own the title interest by giving XXXX XXXX  as the " assignment '' and NOT the XXXXCreditor '...
Product: Credit card or prepaid card

Covid 19 has caused me financial hardship and prevented me from making payments to my Discover card account sufficient pay off the bill. Instead of working with me Discover Card has been grossly overcharging me interest so that the payments I do make do not even impact the principal amount owed on the card. I have been a Discover card member since 2004.
Product: Debt collection

I have never had a credit card or account neither authorized no body with XXXX  XXXX to open one This account its not mine.
Product: Credit reporting or other personal consumer reports

My student Loans have been forgiven and paid in full with Mohela. It has been more than XXXX  days and mohela keeps verifying the old balance with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to experian that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed from my credit report.