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

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting inaccurate and incomplete data on my XXXX  and XXXX reports. 

I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. 

I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. 

I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX  credit report as XX/XX/XXXX. 

Santander is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. 

I also disputed with XXXX XXXX on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. No response to date. 

on XX/XX/XXXX I contacted XXXX via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. 

this seems very very shady to meXXXX five companies associated with one account? No wonder the data is inaccurate.
Product: Mortgage

My loan was sold to Shellpointe Lending and then they sent it to NewRez. They have increased my mortgage payment either for outstanding property tax due ; even though I am 100 % exempt from property tax. They have increased my mortgage payment for increases in my homeowners insurance ; even though the insurance was significantly decreased, not increased. In both cases they would not return the funds ; stating that they had been paid to either the county or the insurance company and they would have to do so. When I check with both entities they said that they had not submitted requests for payment and didnt owe anything. This is predatory and very poor customer service!
Product: Mortgage

Someone else in my neighborhood bought a house, the mortgage company filed a lien document that ended up encompassing XXXX houses in the neighborhood. Said mortgage company then sold it to a large corporation ( Pacific Union Financial ) whom would not return any phone calls or emails from both my mortgage company as well as my title company ( and a third party they hired ). 

We spent over 2 months on this issue trying to get it resolved and were never able to. I received multiple extensions from my mortgage company and ultimately ended up losing the opportunity to refinance at 3.25 % which would have allowed me to save over {$46000.00} over the life of the loan.
Product: Credit reporting or other personal consumer reports

These are the hard inquiries that I did not authorize these companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Reported on XX/XX/2022 XXXX reported on XX/XX/2022 XXXX XXXX reported on XX/XX/2022 XXXX XXXX XXXX reported on XX/XX/2022 XXXX Savings reported on XXXX. XXXX, XXXX XXXX XXXX reported on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX reported on XX/XX/2022 XXXX card services XXXX XXXX XXXX XXXX ( XXXX ) XXXX reported on XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e- False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

3.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Mortgage

I was affected by the XXXX XXXX and fell past due on XX/XX/XXXX when I was forced to take time off so my income decreased. I have been requesting for XXXX XXXX relief from XXXX since then and all they did was place me on a forbearance with no modification help and the end but continue to demand the entire balance owed. I recently submitted on XX/XX/XXXX and was immediately denied for modification options and any home retention options. I have offered XXXX  {$4500.00} to contribute towards the past due but refused to review me for a repayment plan or even consider my request but are more interested in the foreclosure of my home.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFBP 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. They informed me covering lose funds are impossible and that tracking these transactions was infeasible. The CFBPS finding indicates that Zelle has not neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know yall tired of me but everyday while they thinking theyre keeping me from finding out why the person from experian stole my account an ide I sent yall the email where it shows my email got changed to experian.com so now Ive got to pay for all these credit monitoring and identity protection people so now Im gon na show a date where I screenshot my account with experian I had only one open account but since Ive been locked out I now pay for other credit monitoring and theres another account on my credit report that has nothing to do with me youysaying youre sending the complaints in obviously theres nothing being done Ive been begging and begging for help filed identity theft with the government I said before anybody help or do something someone is going to destroy my name even after Ive cleaned up my credit reports an improving my scores Im getting XXXX the companies that are suppose to be protecting us where is the help Ive repotsnd gave XXXX proof that my account was hijacked an identity stolen by someone in experi what its gon na take me constantly getting my XXXX XXXX up until I have another  XXXX where is our support system against these deceptive bureaus so please tell me now its time to lawyer up cause consumers obviously doesnt have the support we need as long as this is not happening to some people we have to sufysnd fight these bureaus alone the person that stole my identity from experian changed my birthday to XX/XX/1968 also my username an email address an also changed my address sending a copy of that also
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested valiadation of debt from XXXX on the two accounts that shows on my credit report on XX/XX/23. I have not been supplied validation of debt and the accounts are still reflected on my consumer report
Product: Debt collection

I have asked for my medical insurance to be billed, as requested by the original creditor and provided to the collection company. However no claim was filed with XXXX. 
The amount I would owe would be far less if my insurance was billed.
Product: Checking or savings account

On XX/XX/2023 my debit card wasn't working and I went into my PNC Bank in XXXX, FL. and they updated the PIN number. After they gave it back to me, I went outside to the bank ATM to make a cash deposit and the ATM took all of my cash and my card and no reciept was recieved. I went into the bak immediately and they said they have to dispute it and I will not receive and answer or my money for up to 10 days if at all.
Product: Debt collection

RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX  failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to less adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion and notified them of a fraudulent account due to identity theft. They have refused to block the information according to 15 USC 1681. Transunion is utilizing my information without my consent. this is a violation of 15 USC 1681B permissible purpose. I am the registered owner and beneficial owner of said name and XXXX XXXX XXXX XXXX XXXX I have also reported to the FTC identity theft website these fraudulent activity the complaint number is XXXX XXXXXXXX. This has violated the federal law 15 USC permissible purpose. This is also a violation of the 1974 privacy act
Product: Credit reporting

I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX XXXX XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Corelogic to place a security freeze on my Corelogic credit report. I downloaded the form, filled out my information, and sent in a copy of my driver 's license, my social security card, and a utility bill. But yet in the response on XX/XX/XXXX, they say in a letter that they are a reseller of the consumer report information maintained by the credit bureaus. But they have not placed a security freeze that I requested, and I know that they do place security freezes and give you a PIN. Still, they're claiming that they don't, so I'm filing this complaint so they can put a security freeze on my Corelogic credit report.
Product: Mortgage

Went into forbearance on time with Dovenmuehl Mortgage, made 5 payments during forbearance. Deferral was done incorrectly on XX/XX/22, putting account into late status right away even though I made payments every month starting 2 months before deferal was finally done after asking for 2 months. They are refusing to correct the deferment so the account shows on time the past 5 months, and owe 3 payments they have not credited me ( {$6300.00} ). 2 were refunded.
Product: Credit reporting or other personal consumer reports

There are inaccurate late payments with XXXX of my account. I have requested to fix it but when I checked my credit reports I can still see the late payments reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone attempter to apply for a credit card in my name... .Spoke to XXXX  Bank and they put a fraud alert but it is showing as an inquiry and that will harm my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/XXXX - I accumulated a debt with my HOA. This Attorney firm negotiated a settlement and I paid it in full. The agreement was they would remove the liens that they placed on my home. They did not remove all of the liens until XX/XX/XXXX. This was after months and weeks of being ignored and my requests went on without action. This caused me stress and a higher interest rate on my refinance. 

XX/XX/XXXX - I found 4 unexplained charges on my account. I advised the HOA I would pay the account in full but not until these charges were fully corrected as they were for payment processing charges. I did not make any payments so therefore how am I being charged for a payment processing? I also advised them that I would not be making any payments until the liens were removed from my home for a debt that had been paid off well over a year prior. 

XX/XX/XXXX, XXXX XXXX and XXXX reached out to via letter. They back dated the letter and provided a certified mail number on the letter for XX/XX/XXXX. Stating that I had a balance of {$5000.00}. I disputed this amount as it is NOT accurate. according to my records I owe them {$4500.00}. 

Today XXXX XX/XX/XXXX They sent and email that they have forwarded to my mortgage company stating that I owe them {$7100.00}. They added additional attorney fees and worded the totals make it justifyable based on my HOA contract. It is also my understanding they have placed a LIEN on my home. 

This is a violation of my rights under the fair debt collection practices act. They did not provide me with 30 days to validate the debt. They did not send a letter or certified mail. I have a copy of the letter receipt notice from the USPS. I do not owe this amount. This group identified themselves as a collection agency. Therefore they must act according to the law and not dismiss my rights as a consumer. Additionally, when I paid the account off. They should have removed the liens off my property as they had no legal right to leave them on my property. Last, I have taken every measure that I can think of to have the correct balance paid in full. I have been ignored, gaslighted and toyed with over a serious matter. I am seeking help and any punitive damages possible to compensate for this unlawful group of collectors. It is not right to take advantage of consumers just because they can.
Product: Debt collection

I was contacted today by Citizens Bank. I have never done business with them, they have no business calling me to ask about a relatives contact information. I was called by XXXX at XXXX. Please advise me of the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item reporting is not my item.
Product: Debt collection

This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my Experian credit report and after reviewing the information, I noticed that Experian have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018, and have been on my file since then. I have disputed this information with Experian to get no response, or just completely ignore the fact that the information, is incorrect. Experian is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Credit reporting or other personal consumer reports

Incorrect account information on Experian. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- Incorrect inquiry information on Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX