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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$990.00XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXX Balance : {$530.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Prepaid card

I'm trying to use both of my gift cards ( Amex ) everywhere and it just seems like it isn't accepted anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}
Product: Checking or savings account

I originated a {$63000.00} outbound transfer from my Ally Bank savings account to my XXXX XXXX checking account on XX/XX/XXXX, before the XXXX cutoff. The transfer was delayed -- the funds were not received the next-day ; instead, the funds were credited to my XXXX XXXX  account on Monday, XX/XX/XXXX. Reading Ally Bank 's Transfer FAQs, it says, " we determine eligibility for next day transfers based on account tenure ( I've been a customer for 8 years and opened this particular account 6 years ago ), account activity ( I transfer-in {$1500.00} every month from my XXXX XXXX account ), and transfer activity such as overdrafts and returns ( I have NEVER had an overdraft or return on this account or the three Ally accounts I own ). To combat fraud, we are selective about when we offer next-day transfers. '' There was NO RISK OF FRAUD. Again, I was transferring money BACK to the account I've used for 6 years to fund the Ally Bank savings account. 

I called Ally and asked to be paid interest for the time my money was MIA. Funds were withdrawn on the XXXX, but not credited until the XXXX. Ally refused -- they said there was no error. I believe I was treated unfairly. Ally used my money during the transfer delay -- I lost interest. My transfer should have been next day.
Product: Money transfer, virtual currency, or money service

Citizens Bank performed an unauthorized balance transfer on two of my XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. The credit cards were XXXX and XXXX. XXXX transfer was for {$9000.00} and the other was for {$16000.00}. 

I am not a customer of Citizens Bank and did not authorize these balance transfers. Citizens Bank was not able to provide any information about these transactions as I am not a customer and have no accounts there. 

I disputed the transaction with XXXX XXXX XXXXXXXX, but they claimed that I must have authorized the transaction. I do not understand how I could authorize a transfer to Citizens Bank when I am not a customer or card holder at Citizens Bank.
Product: Credit card or prepaid card

This was an issue with XXXX and the way they handle their presale release. I disputed the charge due to sudden change of price on presale event that only allows 5 minuets approximately to select tickets as others are also making rapidly selecting to event.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Hi CFPB, I refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank : XXXX XXXX ( debt collector : Ocwen ) to a new debt collector called XXXX. 

I was supposed to start paying XXXX just in XX/XX/XXXX and the last payment to Ocwen should have been made on XX/XX/XXXX. Because of a miscommunication, I've swapped the payments, paying XXXX on XX/XX/XXXX and then paying Ocwen on XX/XX/XXXX( the check was cashed just in XX/XX/XXXX ). 

I've called both companies and they've informed that everything was ok, that I should not worry about it. 

Nines months pass by and now I'm trying to negotiate my interest rates with XXXX. Unfortunately, I discovered that XXXX gave my XX/XX/XXXX payment to Ocwen and that Ocwen received two payments for the same month of XX/XX/XXXX. Not only that, now XXXX wants me to pay an extra mortgage, and already started sending letters stating that I'm not due with my obligations, which is not true as I'm very careful to not miss a single payment. 

I've called and sent many emails to XXXX to explain the problem and they finally said that they can't do anything about it and that I should contact Ocwen. The problem is that my co-borrower sent a fax and I've sent another one to Ocwen and they never replied to anything. 

Now I have XXXX from one side threaten me with foreclosure and on the other side I have Ocwen not responding to any of my faxes and calls. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX
Product: Debt collection

No information was given regarding the account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Product: Debt collection

I received two debt bills one is account number XXXX with an amount owed of XXXX XXXX I have already contacted the hospital and had my insurance added to it and was told it brought the total down to almost XXXX. Which I am currently making payments monthly on. The second debt received is account number XXXX for XXXX $ which I have never received a bill for such amount and do not know how that could possibly be the case
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed these items which were opened without my permission. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items were opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXXXX/XX/XXXX ===========XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00}
Product: Credit card

I may not know the exact terminology, but I know that this company has been harassing me for as long as I have been disputing these accounts. I am an individual seeking to restore the balance of my life and my credit. These debt collectors purchase debt whether or not it is accurate information. I spent just as much time disputing the information with the debt collector as I spent with the company. 
This particular credit card was a secured card within {$1000.00} limit. They try to charge me {$470.00} in interest fees and they actually owe me money. I'm not worried about the few dollars that was left on that card, but I should take you to court for that and what you owe me for the emotional distress that you have continued to cause me. After several disputes they have finally taking the balance off but they have refused to remove this from my credit. I'm not sure what code they used but whatever code they use cost my credit score to go down XXXX points. 
I am sure they are in violation of the Fair Credit Act and will not be satisfied until they receive my Notice of Intent To Sue, followed by my lawsuit. You do not have the right to hold my credit hostage for money that I do not owe you. I used my own money to open up my secure account. What you have done is affecting my ability to obtain credit and I need credit to support my business and my children so therefore when I tell you I am about to sue your company and ensure that you and any of your sister companies do not touch my credit again, Your last warning was my final attempt to let you know, but I will complain as many times as it takes and if I have to go to the Better Business Bureau or any other avenue, you will see me on that corner.
Product: Credit reporting or other personal consumer reports

its showing on my credit report that they have charged my account off every month this year even on the months I have submitted payment. That is a violation of my rights you can only do XXXX charge off. I want this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by Bank of America on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with Bank of America, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Product: Mortgage

I fell behind on my mortgage payments about 52 days. I called my personal relationship manager at  ocwen loan servicing because I was concerned. She informed me that ocwen would accept payments as long that they were made before 89 days. I still had 37 days to work with. A few days later I called my relationship manager to ask her a question and at that time she said you only have 2 days to make a payment. just 2 days ago I still had 37 days before ocwen would not accept a payment. I could not believe what I was hearing and I could not make the full payment then. I could make the payment in 5 days not 2days. I sent a complaint letter to the research department for ocwen Some time later they wrote back saying your relationship manager did say she was sorry. They did not even address the timeline mistake for payments. They ignored all that was talked about between me and my manager about the timeline for payment, nothing. I was so upset. Sometime passed and I Applied for a repayment  plan. Ocwen approved it so I had to e-sign and transfer a down payment to them within a certain timeline. I completed what they asked for before deadline. Then on the day of the deadline I called ocwen to check in with them and they told me that repayment plan was canceled because of nonpayment. Again I could not believe what I was hearing! I sent them proof of payment and some time passed and they realized they lost the money. Meanwhile the mortgage payments are accumulating. During this time my mortgage was moving from ocwen to phh mortgage. Today Friday XX/XX/XXXX, I was denied a mortgage payment modification. Ocwen and or phh mortgage owe me a fair mortgage rate for what I have been going through with them!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX Balance : {$500.00} was written off. 
( illegal XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  had my account on credit protection and i was making payments. I was told by a representative to send in my billing statement and make it payable and i did what the representative told me. My account is not a charge off. This account is reporting negative when it is positive. This account violated my rights by closing the account before handing to explain to me what the issue was. I do not feel like XXXXXXXX XXXX XXXX  treated me like a normal customer or like a responsible customer. This company damaged my credit profile by reporting illegal information. I was never late or this was considered as charge off i want this account to be reinstated being that i was violated and i want this account to be updated to on time paid and never late under FCRA 15 usc 1681i ( n ) ( a ) ( b ).
Product: Debt collection

Debt validation sent XXXX XXXX. No validation sent. Yet still verifying as accurate with credit bureaus.  I need debt validation.
Product: Debt collection

Have no contract with them never signed anything with this company making liable for this debt
Product: Student loan

I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 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 ( s ) listed below XXXX XXXX Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXXXXXX XXXX XXXX  Original creditor XXXX XXXX  Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX XXXX Auto Loan Account XXXX Balance due : {$45000.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK  STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE
Product: Prepaid card

On XX/XX/2024 a transaction came through my cashapp for {$170.00}. I was purchasing drinks and was inside the gas station and realized my card had been stolen. I immediately reported my card stolen, ordered another one, changed my pin and contacted Cashapp support. Because the transaction was pending, I couldn't file a dispute. While chatting with the customer service agent, the pre-auth updated to the actual amount charged of {$82.00} and I was advised this charge was made at a XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I went to that gas station and was provided with the receipt showing the card was used at the pump and the pin was bypassed. The XXXX of the store was on vacation so the video couldn't be reviewed so I could file a police report. I was not ever able to view the surveillance. The transaction posted XX/XX/2024 and I immediately filed my dispute. I was told I would have an update by XX/XX/2024. I did follow-up and was not able to get any assistance or updates prior to the XXXX. My case was then denied with the reason that this was an authorized transaction and no error occured. I have provided screen shots of conversations with support and I have yet to speak to a living person in the special cases department.
Product: Credit reporting or other personal consumer reports

Bankruptcy over 8 years old. Filed dispute several times in the past year and TransUnion is the only reporting agency that refuses to remove old charges.
Product: Mortgage

PNC Mortgage sent {$1500.00} to an insurance company in XX/XX/XXXX and then sent another payment to another insurance company in XX/XX/XXXX fro {$1300.00} and then another payment in XX/XX/XXXX for {$1400.00}. 

Some one was XXXX paid and they ca n't / wo n't tell me how to get my money back!
Product: Debt collection

NOTICED ERRORS ON CONSUMER REPORT AND MADE UPGRADE, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS AS WELL AS VIOLATING MY PRIVACY RIGHTS BY SELLING MY DATA TO COLLECTION COMPANNIES AND REPORTING UNAUTHORIZED DATA TO MY CONSUMER REPORT WITHOUT CONSENT. 

1. UPGRADE, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120- 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XXXXXXXX XXXX AND BEING MORE THAN 240 DAYS PAST DUE AND UNCOLLECTABLE. THE ALLEGED DEBT WAS CHARGED OFF AS OF XX/XX/, THEN SOLD TO XXXX XXXX XXXX AND THE ALLEGED DEBT IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information has been compromised through two companies : The XXXX XXXX XXXX XXXX XXXX KY and XXXX. I was advised by my bank to contact Trans Union to find out my credit score, install a credit alert system, and freeze my information. I had to sign up to pay {$19.00} for a monitoring service through Trans Union to access my credit score, and once I did that, I still could n't learn my credit score or freeze my information. I do n't know what else to do to protect myself or to learn my credit score. It 's possible that I have misunderstood some portion of this process.