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

The account was opened without my consent. I want it removed immediately form my credit report. They are showing   XXXX   different reports to the credit bureaus.
  XXXX   XXXX   XXXX   XXXX   Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days two times Status Updated XX/XX/XXXX  Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , DE   XXXX   Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments -
Product: Credit reporting, credit repair services, or other personal consumer reports

Now CFPB, if you have been paying attention thuan my third complaint against Experian within a 30 day period because they refuse to follow the Fair credit reporting act and continued to report unfair, inaccurate, Fraudulent information. 

Experian was notified of the orginal identity theft back in XXXX of 2019, to which they deleted the information off my report but still choose to furnish that negative fraudulent information on my rental history after they had already receive the FTC report, identity theft affidavit and police report that got the account erased in the first place I had no knowledge that Thais was still on my report because I assumed that it woolly be deleted, due to that fact that Experian rent bureaus is a direct extension of Experien Information Services. 

I was recently denied for an apartment due to them reporting this information that has already ready been deemed as fraudulent : I have already been dismissed from the responsiblility of the debt from the original data furnished ( see attached letter ), but they continue to report it and are making it extremely hard and tedious to correct this informations. Last month I filed a complaint about them report it the negative information on my credit report to your company to which they responded that I was not a client so they couldnt respond. I pointed out the facts that they lied because they were responsible for reporting the negative rental history and had my personal information. So if I am not your client nor have I consented for you to furnish this rental history, how is this in compliance. 

Simultaneously Ive sent experience my Police report AGIAN, my Identity theft affidavit, the letter that dismissed me from the responsiblility of the the debt from the ORGINAL. Data furnisher and the prodding that they were reporting fraudulent inaccurate information. 

Instead of removing the debt, they sent me a EMAIL ( which at this point I only want to communicate through mail due to that fact I need to collect evidence because they continue to violate my rights ). In the email they re- requested the information that Ive already provided them through mail, but information they already have in file. This not only prolongs the process, but now me and my XXXX XXXX XXXX daughter are sleeping in car because my lease expired in XXXX. The complete disregard to not only My consumer rights, out my protection provided under the FTC and FCRA as a innocent identity theft victim continues to be violated and abused by these CRIMINALS. I dms and that this company be held responsible for their violation of my Consumers rights and the federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX Card, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, Experian & XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX
MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!
Product: Credit reporting or other personal consumer reports

All of my federal loans were through XXXX and they were all forgiven last summer via PSLF. However, they all still show up on my credit report with the balance from before the loan forgiveness was processed. Mohela and student aid.gov both show a {$0.00} balance, but this was not reported to the credit bureaus and so it is not reflected on my credit report. My credit reports think I have much higher debt as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the wrong information on my credit report regarding a closed credit card account I had with the XXXX XXXX XXXX XXXX XXXX XXXX. Today, I received the results of my dispute to update this account. Account status is still being reported as a " charge off '', when the status should state " settled/settlement ''. I have attached a screenshot for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LOANCARE, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.
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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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. 
The lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
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 CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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

Under the Fair Credit Reporting Act, they have violat ed my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Mortgage

Ocwen Loan Servicing failed to keep a mitigation appointment with me by phone. I made an appointment to speak with my Relationship XXXX and have waited several days to receive a call which was scheduled for today at XXXX pm. No call came. Ocwen Loan Servicing is in violation of the CFPB settlement with CFPB. Ocwen Loan Servicing has no intention to attempt to mitigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My XXXX XXXX report shows an inquiry from Citibank Texas on XX/XX/24. This inquiry should not be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to Transunion on several occasions to no prevail. Transunion says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX  account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XX/XX/2022. Transunion keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Product: Mortgage

I scheduled a single payment thru the Axos Bank portal to pay my mortgage payment of {$2200.00}. The next day I got 5 emails stating that my payment was scheduled. Feeling that this was odd I logged in again and saw that the site had schedule 5 different payments. I called them, waited on hold for over 30 mins, scheduled a callback, called back again an finally spoke to a person who told me I had two options : 1. Wait for the charges to clear and then they'll refund them.

2. Call my bank and stop payment.

I asked to speak to a manager. They told me they could get someone to call me back in 24-48 hours. I've called XXXX  ( my bank ) and put a stop payment in and was charged for doing so. I'm asking for compensation for all charges related to their website error. They don't seem to be bothered at the financial or time implication this has caused my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through Bank of America ( which we lodged a previous complaint XXXX ) wherein Bank of America constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with Bank of America was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by Bank of America to XXXX XXXX   now known as XXXX XXXX. 

I have called bank of america customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from Bank of America to XXXX XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Debt collection

They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXXXXXX XXXX XXXXXXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit card

The TJX Companies , Inc., XXXX XXXX XXXX, XXXXXXXX MA XXXXXXXX Dear sir, I would like to complain and dispute the transaction on XX/XX/XXXX with online purchase of XXXX . I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Item # XXXX. It was on sale and 50 percent off, therefore it became {$9.00}, instead of {$19.00}. I ordered two on XX/XX/XXXX of 2023. However, without my consent, the amount became only one bag. Therefore, I contacted with the chat representative, and he/she told me the shop cancelled one of them ; therefore, I only could buy one bag. And I picked up the chocolate today at XXXX , XXXX XXXX in XXXXXXXX NJ. Since I only received only one bag, the charge should be {$9.00} ; however, your company credit card activity said the total amount was {$19.00}. I would like to fix this issue, since I continue to complain to your company. Since a few days ago, your company charged completely cancelled XXXX purchase twice. And yesterday, you have charged this purchase twice ; therefore, that means you charged {$19.00} twice, even though it should be only {$9.00} once. I enclose the necessary printout with this letter. Besides, these matters of your company credit card activity, the intermediate payment system, PayPal, record showed the transaction was {$9.00}. 

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

Capital one have not fully credit back unauthorized charges putting late fees interest on account that has fraud closed my account and messed up credit report with wrong information
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XX/XX/XXXX MEGA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXXXX/XX/XXXX
Product: Credit card

Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( " You have been previously been informed of our rules, have n't you? '' " I know you 've been refused on this before.. '' for example. ) I do n't understand why they are so interested in generating ill will. I do n't understand this commitment to punish and humiliate a formerly good customer. I would like to hereby issue a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i received a notification from XXXX XXXX that my credit score changed I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization.. 
Now again in XX/XX/XXXX I received another notification that my credit score changed. And once again I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization or knowledge again. .. 
Please investagate this breach and missy of the credit bureau ... and I want to file chargers against XXXX XXXX XXXX XXXX.. 
I will be will to start a class action lawsuit against XXXX. I know this is more likely normal bad buisness practice for them I see a pattern of abuse ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Trade Commission Consumer Response Center XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 To Whom It May Concern : This letter is a formal complaint against XXXX, XXXX and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 
1. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law.

2. there are two accounts, in particular which they just refuse to investigate, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me.

3. I've actually disputed with XXXX XXXX and XXXX XXXX  several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via XXXX XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and TransUnion and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. 
That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them. 
I'm well aware of the thousands of other complaints against these agencies on a daily basis. So my question is, where does it stop? And does your commission know about the feature they have in their " electronic verification process '' known as a " reply all '' function which allows the creditor to verify an account without ever even looking at it and/or investigating it? It's right on their website! And if you do know about this, how in the world can you justify it?! Please investigate the credit reporting practices of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that REQUIRE them to remove the disputed accounts in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX