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

Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On XXXX there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account NumberXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On Equifax reporting I found the following... 
Collections XXXX XXXX A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details AccounXXXX NumberXXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX XXXX Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX What I found on my XXXX report was the following... 
Account details Account NumberXXXX Date OpenedXXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a credit professional for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 an 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: Debt collection

I was told the {$730.00} debt would be deleted from my credit report and it still has not been removed completely just like what we agreed to over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX  XXXX, XXXX I did not authorize these accounts or inquiries Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated before this account does not belong to me and I have reached out muitple times to the creditors and they have failed to validate these accounts I respectfully request your office provides me with competent evidence that I have any legal obligation to pay you if not demand you delete these negatives items from my credit immediately I do not consent to these proceedings
Product: Credit reporting or other personal consumer reports

Trans Union and XXXX are reporting XXXX XXXX XXXX XXXX as delinquent/derogatory account. They are reporting inaccurate information due to the fact XXXX does not have it. This account was charged off by XXXX XXXX XXXX XXXX  several years ago. Charge of according to IRS publications is considered income and income is not supposed to be reported the my credit report. The certificate of indebtedness was never verified and never had a contract with XXXX XXXX XXXX. The Credit Bureaus assume the role and are supposed to have accurate information reported. I was supposed to close on a house on XX/XX/XXXX using XXXX XXXX  and because of this inaccurate information it cost me my escrow {$3200.00}. Cost pain and suffering to my XXXX children and wife, being first time homebuyers. As a federal protected consumer I the consumer opting out of XXXX XXXX XXXX reporting to my credit report. Also Trans Union, XXXX, and XXXX XXXX XXXX violated The Privacy Act of 1974. I never gave written consent for this debt to be reported in my credit report. Violated the law by reporting transactional history with XXXX XXXX XXXX and the credit bureaus, by reporting my private transaction repeatedly with an open end credit account.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. XXXX**IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX***Please update the correct wording to reflect what I do professionally******
Product: Credit card or prepaid card

I used my Chase Freedom XXXX Card successfully at a XXXX 's XXXX XXXX XXXX  on XX/XX/XXXX. Since then, on two separate occasions, I have since been unable to use my card there. It gets declined for no valid reason. I have contacted Customer Service several times, I have also contacted Chase Executives, and I have been given every XXXX  excuse and lie in the book regarding this, but the problem remains. They have blamed everyone except themselves, whose fault it is
Product: Vehicle loan or lease

I had problems " making on-time payments '' due to a very " Bad Divorce '' which led to a difficult Financial problem, as a result, NISSAN-XXXX XXXXXXXX has reported " Negative Reporting - Late Payments '' which has and is currently damaging my credit reports. 

But now things have turned around for me financially, I have made ( " Extra Payments in XXXX XXXX and XX/XX/XXXX ' and caught up with ALL my car monthly note payments and have kept on being Current on my monthly payments ). And, because of my hard work to improve my credit with them and consistent monthly payment as well as my future plan to build and request more credit from NISSAN-XXXX XXXX I had called in several times to Customer Service to ask if they can please work with me by " Removing the Negative Late Payment Reporting on my Credit Reports '' but unfortunately the Customer Service of NISSAN-XXXX XXXX has declined my request even though I was told by a rep in the past that if I catch all my payments and make consistent payments that my late payment history will be forgiven. So, as noted above I kept calling and calling but I kept getting passed around on the phone with absolutely no result or remedy to my situation. 

Furthermore, NISSAN-XXXX XXXX is reporting that my " Payments are Late '' from ( XX/XX/XXXX - XX/XX/XXXX ) in All 3- Credit Bureaus which is NOT correct nor consistent, because I have doubled up to catch up any lates that occurred and made all of my payments on-time so I will not be late.
Product: Checking or savings account

I have a joint personal checking account together with my husband. My husband incurred credit card debt with Bank of America Business credit card. Between XX/XX/2022 and XX/XX/2022, Bank of America seized a total of {$2800.00}, from our joint personal checking account using the Description " XXXX XXXX '' The bank informed us that they had done so to satisfy the amounts that my husband owes to the business credit card. however the money that they seized were from funds deposited by me from paychecks I had received from MY JOB and did not belong to my husband. Bank of America has never even obtained a judgment against my husband and bank of America had no right to seize my funds from a personal account to satisfy a business credit card belonging to my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an inaccurate late payment for the XXXX XXXX XXXX XXXX  account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Money transfer, virtual currency, or money service

I've recently been a victim of a XXXX scam/fraud. I lost {$7000.00} in the fraud, and Bank of America is unclear as to whether they will reimburse me. They informed me they would begin a 10 day investigation, but I have not received the funds, and I can not contact them. I've been on hold for three hours today. It has been over 10 business days, and the fraud was reported within 2 business days. 

The scam/fraud is elaborate. First, a text was sent inquiring if I authorized a XXXX transaction of the maximum daily transfer of {$3500.00} ( XXXX does in fact send this form of notification, though this is fraudulent ). I replied " no '', and then received a call from a spoofed phone number that says " Bank of America '' and does in fact appear to be the customer support number. They first identified themselves as BOA fraud investigators and inquired if I made a {$3500.00} transaction, and when I reply no, they stated that they must complete a fake two factor authentication. They asked me to confirm the last two purchases made on your account, then to provide a 2FA code sent via text. You provide the code, but in reality, the code is used for them to steal the phone number associated with your XXXX account, which they have just initiated. They then request you to send {$3500.00} to your own phone number on XXXX to protect our funds and allow them to cancel the pending transaction. You think you are sending it to your own account, so the funds are safe, even if it is fraud. But in reality, they have stolen your XXXX account, based on your phone number. The bank denies responsibility and states they are unable to cancel a XXXX transaction even if it is in-processing. This happened twice in a 24 hour period. 

I believe I am titled to reimbursement under Regulation E, given that it was a " token error '' and therefore qualifies as an unauthorized transfer. I believed I was sending money to my own account, but was tricked into providing a 2FA Code by fraudsters posing as BOA. The CFPB affirms that regulation E protects me.
Product: Credit reporting or other personal consumer reports

Unauthorized activity identified in my credit report with Capital One on XX/XX/2023. I called them to request they remove the hard inquiry from my report and the application submitted was not from me. 
Capital One assured ne tgey would report tge incident and have tge hard inquiry removed.
Product: Money transfer, virtual currency, or money service

My wife and I would like to file a complaint against Citi Bank about an fraudulent wire transfer that took {$49000.00} from two savings accounts and one checking account. This started when we ordered software from what we thought was XXXX. It turned out to be a scram. Citi Bank promised a full refund. But on XX/XX/21 we received a letter from Citi Bank saying they had completed their " research '' on our request for a " wire recall '', and stated the money had already been withdrawn and no longer available to return. This is international wire fraud, and of course the money was withdrawn the minute it hit the bank. ( The bank involved was : XXXX XXXX  XXXX XXXX XXXX ). We talked to the branch manager XXXX XXXX XXXX at Citi Bank. She told us to make a police report. We did that, and returned to the bank. That's when XXXX XXXX told us that she couldn't help us anymore. So Citi Bank told us that we were on our own. We have documents, but I don't know how to send them.
Product: Consumer Loan

Capital One loan is for a recreational vehicle which we 've been making payments on for approximately 8 years. For all of those years, we have made a monthly payment of {$99.00}. The loan began as a fixed rate, but recently, in the past 6 months, additional fees have been added, we 're now told that the loan is variable rate. Every month for the past 5 months, we 've had to write or call customer service and get charges removed. We 've also been charged late fees when the payment was not late. We 've been told that the payment must be made BY A CERTAIN TIME on the due date or it 's considered late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an address in XXXX, NV. 
I have never lived there and do not even know where it is. 
How do I get this information removed please? 

Thank you
Product: Checking or savings account

My direct deposit from my employer was supposed to be available today, XX/XX/XXXX in the amount of {$2100.00} and is still not available as of XX/XX/XXXX at XXXX. This deposit is typically available early on Wedensday evening. I have followed up to monitor my account online and through the Capital One phone system.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$98.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

American Coradius International has been calling family members and harassing them about a " XXXX '' credit debit they say I owe. I do n't have a XXXX account, I 've never had a XXXX account and I 've never had XXXX credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach XXXX to this complaint to inform them of the complaint. 

American Coradius International is not to contact me by phone again or make any attempts to reach me by phone again.
Product: Debt collection

I would like to have an investigation opened in regard an account on my credit report that does not belong to me.I was notified through a housing counselor while attempting to purchase a home, that there is an outstanding balance for a credit card that I never had had. The counselor advised me of the negative accounts with this one in-particular being an issue. I have since rectified one and am having difficulty getting the last one laid to rest. The account in question is from Midland Funding. The amount is {$810.00}, which from my last look at my report today has occurred new amount as of today XX/XX/2021 of {$810.00}. I have have taken the liberty of contacting the credit card company once I had the name ; I spoke directly to a supervisor to get clarity on the matter. I was notified that the account was sold. I let the supervisor know that I was not aware of this fraudulent activity until recent. I would like for a fraud case to be opened on my behalf. The account I feel should be opened for more than three reasons. # 1. Inaccurate information and dates. # 2. Identity theft and # 3 Inaccurate documentation. 

In closing I would like for the CFPB to investigate please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX
Product: Mortgage

I am writing today to file a formal, written complaint against Dovenmuehle Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) for collecting tax and insurance funds in an escrow account, and then failing to meet its obligation to obtain the relevant bills and pay them using the funds I have provided in my escrow account. 

Specifically, on XXXX XXXX, XXXX, I received a letter ( dated XXXX XXXX, XXXX XXXX from Dovenmuehle Mortgage stating they could not pay the county taxes from my escrow account because they have not received the tax bills. After receiving that letter and investigating, I found that Dovenmuehle DID NOT request the tax bills from the county tax assessor. Once I learned that, I immediately faxed the tax bills to Dovenmuehle on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX. After receiving no acknowledgement that Dovenmuehle received the tax bills, I called the company on XXXX XXXX, XXXX, and XXXX, each time asking whether they had received and processed the tax bills. In each phone call I was informed that they " could not find them '' and they haven't been paid, even though I faxed them twice to the number provided XXXX XXXX ) in the XXXX XXXX, XXXX, letter. In my phone call of XXXX XXXX, XXXX, I asked if Dovenmuehle would notify me when the tax bills are paid, and was told " no, we don't do that, we have no way of contacting you. '' I found that line of reasoning very confusing as the company holds my mortgage and clearly knows my physical address, email address, and telephone number. I then asked if, in the future, they would request tax bills from the county, they replied " no, we don't do that. '' When asked if they will notify me when the current taxes have been paid from my escrow account, they again stated, " no, we don't do that. '' My taxes are due to XXXX XXXX, Texas no later than XXXX XXXX, XXXX, and, at this point, I have no way to pay those taxes because Dovenmuehle is holding {$11000.00} in the escrow account and refuses to pay the tax bills, which I have supplied to them twice already. 

My escrow account with Dovenmuehle currently has a balance of {$11000.00} that is supposed to be used to pay my taxes XXXX by XX/XX/XXXX ) and insurance. Dovenmuehle, however, is either trying to steal that money or is absolutely incompetent and can't perform a simple task such as paying taxes from the escrow account set up and funded specifically for that purpose. 

I simply want Dovenmuehle to either pay the taxes by XX/XX/XXXX or give me back the {$11000.00} in my escrow account. 

If Dovenmuehle does not pay my taxes soon, I am going to have to pay the roughly {$8000.00} in taxes out of pocket, and then try to get the escrow funds back from Dovenmuehle. 

I have also been informed over the phone that my mortgage is being transferred to another lender as of XXXX XXXX, XXXX, XXXX I had to learn that via a phone call on XXXX XXXX as Dovenmuehle has not provided any written notification about this transfer ). This matter is extremely timely as I will likely be unable to access those escrow funds once the mortgage has been transferred. 

Thank you for your time and assistance in this matter.