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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have no business with this company and I have disputed their debt multiple times and have had the dispute remove the debt on some credit reports because I have no business with them. They never contacted me nor tried to offer any options nor disclosed my right to dispute. Also they have been reporting this for over 7 years and refuse to remove it after 7 years. They just renew it
Product: Mortgage

Because of my illness and divorce I became delinquent in my mortgage payments. All notification regarding the delinquency was sent to another address and not the property address or my mailing address.  In fact I correspond with Ocwen mortgage for month at I current mailing address and the foreclosure attorney was sending paper work to my old address.  Ocwen eventually sent foreclosure paper work to my current mailing address but it was for some else property! I have that paper work! Prior to the foreclosure sale date I filed bankruptcy and it was dismissed two weeks later because the attorney didn’t file the schedule in a timely matter.  So the mortgage company allowed me to file for another short sale and I did along with the submition of a rectified contract and was advised by Qcwen loan servicing that my short sale was denied because it has to be filed within 37 days prior to the sale date.  I advised them that when you offered it to me it was within that time frame because the complete package was submitted that same day which men’s that Ocwen know that when you offered me that option! Then Ocwen offered me a modification and stated that the time factor didn’t matter.  Several days later I received notification in the mail that it was denied because of the timeliness of my filing! Ocwen is playing games! And needs to be investigated! Months ago I requested a deed in lieu of and was advised that I couldn’t apply for that option without giving Ocwen time to review my file so I held on the phone for the review and was advised to apply for another mortification.
Product: Debt collection

For the past year I have been working with a debt management law firm, XXXX XXXX XXXX. They have been negotiating with several lenders including XXXX XXXX. I know they have reached out and spoken with XXXX XXXX yet I am still being harassed by them. Most recently they obtained my former address and have been calling and mailing letters to this address. I know longer live at that address nor was I even living there at the time the loan was taken. I believe this violates my privacy. Also I have been receiving emails. I received 3 within two hours today. These emails claim that Dynamic Recovery Solutions acknowledges my promise to pay them $ XXXX amount of money. I have never talked to Dynamic Recovery. I send all there correspondence to my lawyers. They do not even have my bank account information and if they do then it was illegally obtained because I never gave Dynamic Recovery any of my information. I believe this to be fraud and shady business practices. In their email they are trying to be deceptive in getting me to sign an authorization form because they know they are not acting in good faith.
Product: Money transfer, virtual currency, or money service

I was contacted by my bank as they were concerned that some of the recent transactions on my account were not done by me. 

After reviewing my account I confirmed that several transaction on my account were in fact fraudulent. 
The transaction details led me to this company as the processor of the fraudulent transaction. 
I contacted them to let them know that my card information was stolen and used with their company to processes fraudulent transactions. 
They were not willing to help at all and even claimed I sent them a copy of my ID to prove it was me that sent the money. I was able to get the phone number and email address that was used by the criminals and neither of which belonged to me. 
I asked for a copy of the ID they claim I sent and the IP address where this transaction originated but they refused to provide it. 
It is very clear that they are party to the fraud and they are more interested in protecting the members of their fraud ring instead of preventing fraud They are treating me like the criminal and the criminal like the victim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : ACCOUNT NUMBER Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} In addition , please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX SSN XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the Transunion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/year> ( I DO NOT HAVE ACCESS TO THE ACC NUMBER ASSOCIATED WITH THIS ACCOUNT ) This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
Product: Credit card

This morning my mother found out that Citicard had switched her to paperless statements without notifying her or asking for authorization. I 'm pretty sure this is illegal but even if it 's not it 's an abuse of the system. My mother is probably like many Senior Citizens in that she prefers to receive paper statements. Not receiving one meant that she was charged a {$53.00} late fee on top of her minimum payment. The good news is that when she spoke to a representative they told her they 'll credit the late fee to her next bill ; my concern is that more people need to be aware of this potentially happening to them and ruining their credit rating. At the very least.
Product: Credit card

I received three confirmation emails from Citi Bank regarding changes to my account, confirmation of credit card application, and approval email for a Citi Double Cash  card with a {$9400.00} limit as of XXXX. I also saw a hard credit pull on my credit report. I have never applied for a Citi Bank card. 

I CAN NOT get through to Citi Bank to notify them of this identity theft. They continuously require an account or credit card number which I don't have. I spoke with three representatives who transferred me to other departments, with the final representative only willing to give me another phone number. When I called the number provided, I got stuck in the automated wheel requesting information I DON'T have because I didn't open the account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 usc 168i, which mandates a reasonable investigation of my disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12usc 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation.
Product: Credit card

I am filing a formal complaint against Bank of America regarding the inaccurate reporting of account # XXXX with a balance of {$3100.00} on my credit report. This account is being improperly reported and must be removed permanently for the following reasons : 1. Inaccurate or Unverifiable Debt Bank of America has failed to provide sufficient validation of this debt despite multiple requests. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), all reported information must be accurate, complete, and verifiable. If Bank of America can not provide proper validation, the account must be deleted immediately.

2. Possible Violation of the Statute of Limitations If this debt is past the legal statute of limitations for collection in my state, Bank of America can not legally enforce or continue reporting it. Please request verification of the date of first delinquency to confirm whether this account should still appear on my credit report.
Product: Payday loan, title loan, or personal loan

I took out this {$300.00} loan in XXXX 2017 and have made the first 3 on-time payments. I got fired from my job and am no longer able to make those payments. I 've discussed my dilema and theh have continued to threaten to keep calling me and my family. I sent a cease and desist letter on XXXX XXXX, 2017 and they have continued to call me and my family. I agree that I owe the debt, but at the moment I do not have any funds to pay it. And no longer live in the area due to an eviction, so I can not come in to speak with someone. I 've spoken over the phone and via text.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  reporting ). Bank of America XXXXredit cards was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by Bank of America fraud department. However, my conversations with Bank of America fraud department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of Bank of America fraud department who advised me that a letter will be sent out to me, by Bank of America confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from Bank of America since XX/XX/XXXX. The 2 fraud credit inquiries still remain on my credit report, from XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

i was hoping you guys Can crack down on these pawnshops and the violations of military lending act in nevada eazpawn XXXX XXXXXXXX
Product: Debt collection

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

OnXX/XX/XXXX I changed the password to my savings account at Ally Bank as part of a routine password update using a different internet browser than I normally use, but using the same computer I always use to access my account. I was asked to verify the browser using 2-step SMS verification, and was able to successfully update my password. 

On XX/XX/ I received an email from Ally Bank saying that they had locked my account due to suspcious activity and that I should call their XXXX XXXX number. So I did and explained the situation and my suspicions that the password change had triggered this. However, instead of being able to unlock my account they told me that 1 ) My account was indefinitely locked until they completed a fraud investigation 2 ) That they could not tell me what had tripped the fraud investigation nor how long the investigation would take. 
3 ) That I would not be able to access my bank account until the investigation completed and they called me back. 

They essentially provided no information has to how or why this fraud trigger had occurred and gave me no recourse or process for removing it besides answering some basic questions and then telling me they could not tell me when the investigation would conclude. I am now effectively unable to access my funds and have no idea when I will regain access. I have called them 3 times and each time been given the same line read response. I should not be losing access to this account and being given such a lack of detail into it and I need them to reopen it soon or at least provide me with a definite timeline and further context.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two years ago my bankruptcy chapter XXXX file was discharged, and I know it will be in my credit report for 10 years. During this past two years, I have been working to get better with my credit which I have gotten better according to my credit report, but the credit bureau, Experian, has treated my score unfairly and abusive, I think. From a credit score really bad, I have been able to get it to XXXX and for no reason at all they took 15 points down leaving me with a credit score of XXXX. I have disputed my report trying to get an answer why my score dropped down like that and for too many points down. I have contacted them by emails after the result which was unsatisfactory due to the answer I got : " Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported ( which not apply to me ), Your credit card balances have climbed ( which not apply to me ). An account was opened/closed ( which not apply to me, at least not within several past months ). You've recently applied for new credit. ( which was several months ago ). An account on your credit report has aged off ( which in my case, all old accounts was in my bankruptcy chapter XXXX two years ago ) ''. If anything should happen with my credit score is to go up not down, because I have kept my auto loan, credit card, rent, utility, etc. up to date with no late payments or anything that could caused my score dropped down. I need help to investigate why am I being treat it unfair and abusive with my credit score. My credit report shows that for over two years I have kept an exceptional record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Product: Vehicle loan or lease

This all began with credit acceptance wrongfully repoing my vehicle without proper notice and there was no communication for the sale of the vehicle after repo. They then report to experian that i owed {$21000.00} which is incorrect because the amount they alleged i owed after the repo was {$17000.00}. 

The next wrong numerical value on this account is the original credit limit. XXXX has it reporting as {$19000.00} and the actual limit was {$19000.00} on XX/XX/year>. This discrepancy may be small but accuracy of reporting is paramount.

During all of this i am writing letters, requesting information and filing disputes on experian, which they closed my first two and the third is still open but havent heard from them in awhile but this one is still open because i submitted proof.

i have proof of everything i am saying with dates, times, witnesses, and documentation. 

I want this account ( Repo ) to be removed or marked paid in full on my credit report.
Product: Mortgage

I sold my home which had an FHA loan and Wells Fargo was paid in full on XXXX XXXX. However, they charged me interest for the entire month of XXXX which was {$710.00}. They should have only charged me interest for XXXX XXXX. According to the rule below, they should NOT have charged me interest after the loan was paid in full. They are telling me that the rule only applies for loans that were originated on or after XXXX XXXX, 2015. Nowhere in the rule does it say that. It only says the rule is in effective on that date. 
DEPARTMENT OF HOUSING ANDURBAN DEVELOPMENT24 CFR Part 203 [ Docket No. XXXX ] RIN XXXX Housing Administration ( FHA ) : Handling Prepayments : EliminatingPost-Payment Interest Charges