23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had my Direct Express debit card stolen on XX/XX/XXXX, tried cancelling my card through email correspondence and the email returned said they'll cancel the card. But it was too late, it was already accessed. Their response was they'll cancel my card, send me a new XXXX within XXXX days, of which it never came. I responded through my Direct Express account why it was taking so long and they responded there's no correspondence logged that I wanted it replaced. I have the emails to prove this. They finally emailed me stating I have to speak orally to them before any further action with my account could be taken. Due to having my phone stolen along with my Debit cards, I finally found a means of calling Direct Express and found someone had put another phone number on my account which wasn't mine. Thus, to do so, someone had to have corresponded with Direct Express using my name, XXXX number, ID etc which they had stolen, of which must also be the reason the Bank XXXX XXXX also reactivated my card -- how else could the transactions continue, otherwise -- without my knowledge? The transaction dates prove this. Someone already withdrew all the funds out of my Direct Express account, I believe I realized it on XX/XX/XXXX or XX/XX/XXXX when I saw the withdrawals in my XXXX transaction reports, which Direct Express sent for every transaction. I sent emails to Direct Express expressing this and they stated they'll do an investigation since I was now orally talking to them, replace my card which they did, approximately XXXX weeks later but their conclusion was that I withdrew all funds out of my account myself since my PIN was used, and they said there was no faulty bad PIN on my card. The same problem with Bank XXXX XXXX and XXXX debit cards, 'after ' I cancelled them. Why they'd justify declining my XXXX Claim stating there was no bad PIN is a mystery since they have no access or knowledge of it being faulty or a bad PIN as they stated when it was in use. In other words, their findings stated I withdrew it myself. I filed a police report, sent them a copy along with the details of my Direct Express being stolen, along with XXXX Bank XXXX XXXX debit card, XXXX XXXX card, ID, XXXX card and XXXX card to verify the theft in order for them to understand it was not 'me ' who withdrew funds from all XXXX cards and used the cards 'after ' I had the institutions employesl cancel them. Through the Bank XXXX XXXX it was determined that it was Identity Theft due to always having to have bank personnel at the branch I used in XXXX to verify my identity to the Fraud Dept upon every visit, and each time I was ordered to use the Bank XXXX XXXX 's 'land phone ' to prove I was the authentic XXXX XXXX XXXX the Bank XXXX XXXX account owner. They would not correspond with me on my own. In any event, at Direct Express, I had to wait 18 days just to talk to XXXX XXXX due to having to wait to get new ID that was stolen. I got reimbursed by XXXX for all funds, the merchants repaid all funds taken, thus, it's obvious my complaint if valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible
Product: Debt collection

2018 plaza services. 5 years and 1 month old, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, says i owe XXXX $ and have no remembrance of this
Product: Mortgage

-My parents and I signed a mortgage loan modification contract with Specialized Loan Servicing ( SLS ) as co-borrowers that are all on the title of the house. 

-When I noticed that my name was not on the loan correspondence, I called to have the correspondence corrected because my parents don't speak XXXX and I am the one that looks over correspondence and speaks to SLS. So it is very important that I get correspondence. 

-Throughout the years and after several people ( at SLS ) saying that it was fixed but the system always drops the third name or saying that it will be fixed, we fell on hard times due to Covid-19. We finally saw a path to get back on track, unfortunately, on XX/XX/2022, my father was diagnosed with XXXX and on XXXX he passed away. 

-Even though SLS constantly ignored my requests to make corrections so that I receive correspondence, they decided to place my home in foreclosure months after my fathers passing. 

-Because I wasn't getting correspondence, I wasn't aware that our house was being foreclosed and that our homeowners insurance was going to cancel and cause a lapse of coverage. 
- -On Friday XXXX XXXX this year, I found out that SLS not only removed my name from the loan, they also removed my mother 's name from the loan at one time.

-SLS is refusing to take the steps needed to correct their many mistakes so that my house is removed from foreclosure status and to reinstate our homeowners insurance policy.
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. 

XXXX. Account Name : XXXX XXXX - Account # ending - XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX  XXXX Account # ending - XXXX - Date opened - XX/XX/XXXX XXXX. Account Name/ : XXXX XXXX XXXX Account # ending XXXX XXXX. Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) - Account # XXXX Date opened- XX/XX/XXXX, has violated my rights. 
as well as they have published inaccuracies per 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.

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, 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 the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have lived in the House XXXX XXXX XXXX XXXX House from XXXX Fall to Spring XXXX for my fist year at the University XXXX XXXX. The XXXX is attempting to charge me almost {$2800.00} USD for unknown reasons and they kept my deposit that was about {$570.00} USD. 
When I contacted them for proof of the the charge via email, they sent me false invoices that clearly looked made up or sent a screenshot of cart. I can provide these emails to you or forward the emails. I have tried to dispute this charge many times with the XXXX but they sent me to collections and I have no money to pay a debt I do not owe of almost {$280.00}. I am not the only one in this situation, about 50 other guys that were in the XXXX were charged either the same amount as me or almost {$1000.00XXXX XXXX  We have a XXXX group and all of the guys have sent a picture of the invoice from the collection. 
The only way the collection agency was able to get my personal information was because I signed a lease for another year which would have been Fall XXXX to Spring XXXX but did not end up happening and got terminated. I also have a official document signed that I am not affiliated with XXXX XXXX XXXX and have no responsibilities with them since they tried charging me for a ridiculous amount of money. I am also a student going to California XXXX XXXX Pursuing a degree in XXXX XXXX and working full-time, in my history of credit and monthly payments have always been on good standing. I attempted to dispute this charge on XXXX but they were not able to get rid of this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Product: Credit card or prepaid card

On XXXX XXXX there was a fraudulent charge on my account in the amount of {$180.00} from XXXX XXXX. I noticed the charge on my billing statement when I checked the account on XXXX XXXX and placed a call to the issuer immediately. I can assure you, I have NOT authorized this charge. The issuer is Oportun and the account that the fraudulent charge occurred on ends in XXXX According to customer service representatives, the card has been cancelled. However, it is currently XXXX XXXX  and this charge still has not been removed from the statement. Oportun refuses to supply any written form of documentation that I have notified them of fraudulent activity ; even though I have placed numerous calls to them and requested confirmation in writing. The only action they have taken is to issue me 2 new cards, which I refuse to activate until Im reassured I can trust them.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently while checking my credit reports notice that XXXX XXXX and Chase were reporting late payment in which I was never late. Im very aware of XXXX XXXX compliance and take my credit very serious. I have been damaged by these credit card companies reporting me late.
Product: Debt collection

Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX   balance of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1200.00} Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and seen inquiries I did not authorize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage servicer, Specialized Loan Servicing LLC ( SLS ), appears to be acting in very bad faith and is attempting to wrongfully ( and fraudulently ) foreclose on my home. They have outright ignored written agreements, and are purposefully stalling the evaluation of my Home Affordable Foreclosure Alternatives ( HAFA ) short sale, so that I will miss the XXXX/XXXX/16 HAFA program deadline. 

I have consistently submitted all required documents in a timely manner, and have precisely followed SLS 's instructions ( both verbal and written ). SLS 's actions also reflect the illegal practice of " Dual Tracking '' as defined by their regulatory agency, the Consumer Finance Protection Bureau ( CFPB ). These are strong accusations, but only a brief review of the attached documents ( see highlights ) support my claim : 1 ) '' Change of Intent '' letter ( sent and received before XXXX/XXXX/16 due date ) 2 ) SLS 's HAFA Matrix ( downloaded from SLS 's website ) 3 ) Making Home Affordable ( MHA ) - Supplemental Directive ( SD ) XXXX, pg XXXX ) CFPB statement - illegal " dual tracking '' I would greatly appreciate any help in compelling SLS to act in good faith, and cease such deceptive and damaging practices. Please let me know if you have questions or need any additional items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.
Product: Debt collection

My identify was used to open a utility account that does not belong to me
Product: Student loan

XXXX colleges committed fraud and I should not have to pay back these loans because even though I received a degree I have not been able to get a job even though the college promised they would help me get a job and they lied about people getting hired!!!!! I 'm sick of making payments to these fraudsters please HELP ME!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this statement that is on my credit file with Equifax that I did not authorize. Below is the statement : " ALL THESE ITEMS HAVE BEEN DISPUTED WITH XXXX  AS FRAUDULENT PREVIOUS DISPUTE DATE ENDED ON XX/XX/18 I WOULD LIKE THESE ITEMS REMOVED FROM MY CREDITE REPORT THEY ARE NOT APPEARING ON XXXX OR XXXX  ALSO REMOVE THESE FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX EMPLOYER ( S ) XXXX XXXX THANK YOU! '' I have asked them several times to remove it, its still appearing on my credit file.
Product: Credit card

I could not log in to my account and I tried resetting my password and putting in my social security as a forgot my password recovery but once I inserted my social it gave me an error and it could not let me log in for months.
Product: Credit card

I was told by a Kay Jewelers employee that they have an account that I can order that is " not a credit card and will not affect anything having to do with credit rating agencies. '' I was told that " the credit check is independent of the agencies and will not be shown as an attempt to obtain a line of credit or a credit card. '' I was also told that I will receive XXXX % off my purchase. I did n't receive XXXX % off, was left waiting for 30 min as they approved the card, and was then promptly charged interest on the card. Furthermore, I found out that this card was issued by obtaining a credit report, which I did NOT authorize. When I closed the account, I received a letter stating that the credit agencies will be notified of the closing of the account. This is completely unacceptable as I was misled on several levels.
Product: Credit reporting or other personal consumer reports

When I went to log into my Experian account on Monday, it asked me to reenter my password, but it said my password is wrong. When I went to reset my password, it said it would email me a password reset link, but that email never arrived. I then tried to use the options to reset my password via a text message and a phone call, but those also did not result in anything being sent. 

After this I tried to call Experian to get help with regaining access to my account, but the phone system seems specifically designed to not let you talk to anyone. Instead the only thing it would do is send me to an automated system which said it would send me a password reset link to my email address, but like with doing this online nothing ever arrived. 

I was the victim of identity theft earlier this year and set a credit freeze on my account. I'm extremely concerned that someone may have fraudulently taken over my Experian account in order to continue stealing my identity, and that Experian makes it impossible to talk to anyone to regain access to my Experian account.
Product: Credit card

I am of the age of maturity to make this affidavit and the facts herein I am mentally competent to make these facts for the Record I have personal knowledge of the facts in this affidavit [ Made Pursuant to the US Constitution & Title 28 USCA Section 1746 ] AFFIDAVIT XXXX XXXX XXXX, XXXX for XXXX XXXX, a XXXX year old veteran owned company, applied for credit / bank account with a qualified credit score ; and denied near XX/XX/2023 without just cause in violation of The Equal Credit Opportunity Act.
Product: Credit reporting or other personal consumer reports

These creditors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and the credit agengies XXXX, Equifax and XXXX are in violation of Code 6801 sharing non public on my information on my consumer report without obtaining my written consent have shared and is therefore willifully not complying by removing these accounts XXXX XXXX XX/XX/XXXX {$7600.00} and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$690.00} I ask for assistance with assuring these non public accounts be removed from my consumer report immediately
Product: Credit reporting or other personal consumer reports

My social security has been compromised and used to apply for credit. I received numerous alerts from different vendors regarding credit inquiries for multiple cards and home lenders.