23daVinci/CFPB_Complaints huggingface dataset:
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these accounts from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$5800.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. 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: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my credit report. I have no recollection of initiating any business or financial transaction with the listed creditors that would warrant an inquiry on my credit report. As such, I believe this inquiry to be unauthorized and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute credit one yet they come back reporting more inaccurate information now you have to delete or I will sued Equifax enclose is a letter of sale of this account it was sold XX/XX/XXXX how the XXXX can they report me late for the year XX/XX/XXXX you must delete at once three time they come back incorrect no more you delete are you show proof with paper work that I am late in XX/XX/XXXX you can so delete at once A COMPLAINT HAS BEEN FILE AGAINST CREDIT ONE WITH THE OCC THE FTC WILL HEAR ABOUT THIS
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and foundunverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer.if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.Thanks for your help with this matter. 

XXXX
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$730.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$3200.00}, XXXX XXXX XXXX {$960.00}, XXXX XXXX XXXX {$560.00} XXXX looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Please update the information on my credit report with TransUnion. My current and correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, yet my report shows the wrong address as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The " XXXX '' should be removed. Additionally, my employer information is incorrect. The correct employer is XXXX XXXX XXXX, but my report shows other incorrect employee info. Under the FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy under 15 USC 1571e ( b ). This inaccuracy violates the FCRA accuracy requirements and impacts the integrity of my credit file. I demand my address and employer information be updated to reflect the accurate details. Continued noncompliance may result in liability under 15 USC 1681n and 1681o, including damages of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXXXX 2016, my Mercedes Benz lease was transferred over to someone else. I received all the letters from MBFS saying that the process has been finished. After numerous times talking with MBFS they agreed to remove the account from my credit report, it has been removed from my XXXX credit report but it still shows as open with XXXX, i have not been able to force XXXX to remove it because MBFS simply does n't respond.
Product: Debt collection

I am writing to request validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I recently noticed this collection account on my credit report and need more information to verify its validity.

Please provide the following : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. The name and contact information of the original creditor.

3. A detailed breakdown of the amount owed, including any fees or interest.

4. Proof that Portfolio Recovery has the legal right to collect this debt.

Until I receive the requested documentation, I request that no further collection activities be taken, and I dispute the validity of this debt.

Please respond in writing and send the requested documentation to the address listed above.
Product: Mortgage

On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 credit bureaus are reporting my payment history and balance due incorrect on my JP Morgan Chase account. I have requested verification but the incorrect information remains. Please remove negative information from my credit reports.
Product: Mortgage

Resulting from an ID theft in XX/XX/XXXX while in XXXX, we were compelled to file a Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. The Bankruptcy Court defers to State jurisdiction on homestead exemptions. In XXXX that exemption is {$170000.00}. Ocwen refuses to acknowledge this provision in bankruptcy and will NOT report my payment history to the credit bureaus even though they have that obligation. As a result of this egregious conduct, out credit report would suggest we are homeless as there is nothing to show our payment history. We can not apply for a refinance based on the lack of credit reporting by Ocwen. I have documentation from the Ocwen Web Site that shows that I am current, but is recorded as having no payment history. Our loan originated through XXXX Mortgage and placed with XXXX Mortgage. The loan was then acquired by the XXXX XXXX XXXX and ultimately transferred to Ocwen. Ocwen 's refusal to report payments to the credit bureau has immeasurably compromise our ability to reestablish our credit worthiness and denies our ability to acquire a new loan on a replacement home as we are bound but the irresponsible conduct of Ocwen. We have never missed a payment nor assessed a penalty of any kind or description. Yet, we are being victimized for paying as agreed by a misinterpretation of the rules of Bankruptcy Court. I was told by Ocwen, that this is their policy nationwide. Stating that we did not reaffirm the mortgage and there for they can not and will not report our payment history to the credit bureaus or even verify payment history when asked by a lender. Please help as we have lost the right/ability to enjoy all of the entitlements of home ownership by the inappropriate conduct of Ocwen.
Product: Credit reporting or other personal consumer reports

These accounts are closed and were sold to another lender. I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX  XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX i do not have a contract with XXXX XXXX  they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX  XXXX Account # XXXX
Product: Mortgage

Hello, my name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX CT XXXX. I have been a little confused with my home mortgage since they merged/changed names from Ocwen to PHH mortgage during the 7/8th month of 2019. I have been calling them twice a year for a charge they have with my account for {$410.00} " Assessed Expenses '' I was told for over a year they would investigate what the charges were from but my third time calling in over two years, I was told the charge was placed against my account and that was it. I would like a detailed list for the charges they are trying to bill me for. I want to know if they charged any customers these fees when the changeover to www.ocwen was made to XXXX on 2019. PHH hasn't given me a detailed reason of list for the charges with dates and reasons. I need help trying to find out exactly what the charges are for and why they are on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquire from XX/XX/2017 by CBNA - bank credit cards, I am not applying for any credit from anyone or any company, this is in error.
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 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 : PREMIUM Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Dear Barclay Management, I ( XXXX XXXX ) am writing to you as a member of XXXX XXXX XXXX and as a federally protected consumer with an account number XXXX. This letter is to formally exercise my rights under 15 U.S. Code 6802 regarding the sharing of my nonpublic personal information. 
Under the said statute, financial institutions are required to provide customers with a reasonable opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I understand that this includes the reporting of account information to credit bureaus or similar entities. 
Therefore, I am exercising my right to opt out of any such disclosures. Specifically, I request that XXXX refrain from reporting any information related to my account XXXX to any credit bureaus or similar reporting agencies. 
I would appreciate written confirmation that my request to opt out has been processed and that no further information regarding my account will be shared with third parties as per my rights under the aforementioned statute. 
Please do not hesitate to contact me at the Phone Number found on file related to my account should you need any further information or clarification regarding this request. 
Thank you for your prompt attention to this matter and for respecting my consumer rights. 
Sincerely, XXXX XXXX
Product: Debt collection

World Finance an audit trail amongst other things. World Finance refuses to stop violating my consumer rights.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my XXXX son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to Vanguard Financial Services four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for 1/2 my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX XXXX, Transunion and XXXX  XXXX and continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my Transunion, XXXX, and XXXX. I disputed the XXXX XXXX for {$13000.00} on my XXXX which was removed from Transunion and XXXX. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my XXXX.
Product: Money transfer, virtual currency, or money service

Online I paid XXXX XXXX XXXX XXXX {$200.00} on XX/XX/XXXX to send to country of XXXX to my sister, my sister didn't pick up the {$200.00} because there was no money sent, in a couple days I called the XXXX XXXX and asked to cancel, they said fine and we will refund the {$200.00} back to your bank account which was drawn from within 48 hours, until now XX/XX/XXXX never got my money back, I called their company several times, they admitted they will refund it within 72 hrs, they continuously lied and never sent it back and tried to make it sound like something happening, just to make me might forget about it. Please help get my money back I need it, any info can be available.
Product: Checking or savings account

On XX/XX/year>, I fell victim to a scam. The scammers stated they were from the USAA Fraud Department and someone in Arizona was attempting to make 2 transactions in the amount of {$990.00} and {$440.00}. They told me they would lead me through instructions to stop those payments from going through and reverse the transactions. After getting off the phone with the scammers, I immediately called USAA because the situation did not seem right. They confirmed that I was a victim of a scam and 2 disputes were opened for the transactions at that time. It is very clear that the transactions are not what I would normally do, as they were made through XXXX and XXXX XXXX- which I don't use and don't have a history of using. At no time did I authorize these amounts to be taken from my checking account. I was given a provisional credit in the amount of {$440.00}. Initially, USSA declined my dispute in the amount of {$990.00}. After escalation, it was deemed that the transaction was fraudulent, and USAA was able to return the funds to my account. Today, the provisional credit in the amount of {$440.00} was taken from my account and my dispute was denied as not fraudulent activity. My checking account in now over {$400.00} negative. Both amounts were involved in the same scam and USAA should have plenty of documentation of the phone calls we've had. I'm requesting that USAA open the dispute and again. USAA claims they have a no-fault policy for victims of fraud and scams. If the transaction in the amount of {$990.00} was proven to be fraudulent, it is clear the amount of {$440.00} involved in the same incident was, as well. I'm requesting USAA to look at the facts, hold true to their XX/XX/XXXX-liability policy against scams and fraud, and do right by their customer of 12 years.
Product: Checking or savings account

The Claim No. assigned by Citibank : XXXX On XX/XX/XXXX. XXXX, hacker sent a message on top of Citibank 's login page, stating that he was from Citibank, and told me that " some suspicious activity occurred on your account, please call XXXX '' ... Then the Hacker sent wire transfer instructions to Citibank wire out {$49000.00} without my consent and knowledge. My request for refund was denied by Citibank 's Fraud Prevention by a form letter, dated XX/XX/XXXX. This letter stating that the dispute was declined. There was no signature, no supporting documentation to substantiate this decline. 

According to the Client Manual Consumer Accounts of Citibank, Effective XX/XX/XXXX. This 53-page manual was published by Citibank and mentioned in your form letter of denial dated XX/XX/XXXX. Under page 19, of the manual, section of Security Procedures wherein states, I quote When you place an order for a funds transfer, we will follow a security procedure established for your protection and ours to verify that the transfer has been properly authorized. You understand that the security procedure is designed only to verify the source of the funds transfer instruction and not to detect errors in the content of that instruction or to prevent duplicate transfers. The procedure depends on the means by which you provide instructions to us. Unless we agree on another security procedure, you agree that we may confirm the authenticity and content of instructions by placing a call to any authorized signer on your account. By placing a transfer order, you agree to our use of the applicable security procedure. You agree to be bound by any funds transfer request that Citibank receives and verifies in accordance with the security procedure outlined above. Unquote.

Based upon Citibanks own manual/statement, apparently, Citibank failed to obligate the banks fiduciary duty and its own commitment. Records reveal that the transaction was conducted by a hacker, and I personally reported this incident to Citibank branch office immediately after the occurrence. The whole events were not handled in a timely, correctly and professionally manner. This loss purely was due to Citibank 's gross negligence. I demand the loss to be reimbursed immediately. 

Appreciate your Office 's involvement and wish to hear from you of a positive news soon.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date XXXX Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>