23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I started working with a credit repair specialist by the name of XXXX XXXX in XXXX of 2023. I allowed them to access my personal information and attempt to correct credit errors and repair on my behalf. It was a paid service, so I was expecting a successful outcome. The named did not only place a freeze on my report, but ran my credit through several different companies and opened up phones in my name. I have tried to contact this person, but they have XXXX any contact info I had and is M.I.A. Now I am finally trying to buy a car in my name and my credit is terrible.
Product: Student loan

I have a closed Sallie Mae student loan account on my credit report that I want removed from my credit report. the loan was {$3000.00} the loan is dated XX/XX/XXXX the loan was closed XX/XX/XXXX but still appearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report. 

I sent a letter out on XX/XX/XXXX to Experian, XXXX XXXX, and XXXX. However, it has been 30 days and the credit bureaus failed to accurately update the information on my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent account from my credit report and to exercise my legal right to opt out of your reporting services in relation to this matter. 

As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies such as XXXX and XXXX are required to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy. This includes ensuring that no consumer information is reported without explicit consent. 

The XXXX XXXX, 15 U.S.C. 6801, further protects my personal information, mandating that financial institutions and those who furnish information to credit reporting agencies must respect my privacy and the confidentiality of my nonpublic personal information. I have not provided consent to either XXXX or XXXX to share my personal data or information related to any accounts opened in my name, including the disputed XXXX account. 

Furthermore, 15 U.S.C. 1681b and 15 U.S.C. 1681c ( a ) ( 5 ) prohibit the reporting of certain adverse information beyond a specified period, and require consumer consent to furnish data to credit agencies. Since I did not authorize the creation of the XXXX account in question, the account is an unlawful and unauthorized entry on my credit report. 

Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) clearly states that no person may report inaccurate information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is incorrect. Since I did not authorize the account and it appears to be fraudulent, the furnisher of information has violated this requirement. 

As a consumer, I am also exercising my right to opt out of your reporting services. Under 12 C.F.R. 1016.7, I have the right to opt out of having my information shared with third parties, and I am exercising that right immediately. 

I request that the fraudulent account associated with XXXX XXXX be removed from my credit report, as it was opened without my knowledge or consent. I further request that you confirm in writing that the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been removed and that my privacy rights have been upheld in accordance with federal law.
Product: Credit card or prepaid card

I was on my honeymoon in XXXX XXXX XXXX and on XX/XX/2022, I noticed one evening my credit card was gone from my wallet. I checked my bank account and noticed two large purchases/expenses I did not perform. One charge was for {$55.00} and the other was for {$430.00}. There were also two cash advance fees I did not perform. I have never performed any cash advances with my credit card, to my knowledge. The cash advance fees were {$10.00} and {$17.00}. My co-signer who has access to my bank account called Truist ( still SunTrust at the time ). Truist/SunTrust froze my credit card and instructed my co-signer to tell me to submit a fraud claim to dispute the charges. In XXXX, I mailed a claim form to a SunTrust XXXX address. At that time, all of my correspondence with SunTrust/Truist for the previous 6months had been with XXXX email. In XXXX, I still had not heard back about my claim, so I called the credit card fraud department, which informed me that Truist had contacted me. I asked them how they had contacted me and eventually we discovered Truist sent a request for additional information to an XXXX XXXX  email address Truist had not used to contact me in 6months. I asked the person I was speaking with if we could keep my case open because of this mistake, and they said yes, and to send a new fraud claim form. They informed me this claim would be received as a " rebuttal '' to the original decision, which was to terminate the case due to lack of response. Again, however, this lack of response was the fault of Truist, which apparently deliberately chose to use an outdated contact method. After waiting on the next form I sent, I called Truist again in XXXX, XXXX, and XXXX, asking when and if I was going to hear back from them about my claim. I was told within 2days and within 10-14days. I also visited a branch in person in XXXX and in XXXX ; in XXXX, I was encouraged to wait a few days and call ; in XXXX I was told they don't handle credit card claims in person. One of my XXXX phone calls and my XXXX in-person visit prompted the employees to submit escalations/complaints, which they instructed would result in me receiving some kind of contact about my case ( s ). I have yet to receive a response to either. The very first phone call my co-signer had made resulted in temporary removal of the charges, but they all of course returned, and I am still being held responsible, without fair notice and explanation, or opportunity for a fair dispute process. These charges total {$510.00}. Truist offers fraud protection on my credit card, but appears to have done all it can to prevent me from being capable of responding to their time limits on fraud coverage and/or from receiving a fair dispute process.
Product: Mortgage

I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting I owe XXXX XXXX XXXX XXXX XXXX the date of last activity is XXXX. However, I do not owe XXXX this amount of money. I have disputed the debt in XXXX. I did not get a response from XXXX but XXXX and XXXX removed the account off my credit report. 

According, to the Federal Fair Credit reporting agency all three bureaus, are supposed to report accurate information. As well as, take 30 days to validate the debt or remove it. I have not received an accurate credit report from XXXX. I have not received a determination from XXXX on this XXXX credit card account. 

I contact XXXX about this credit card information XXXX XXXX XXXX XXXX XXXX, VA XXXX. They are not reporting this information was ever reported to XXXX. My goal is to build up enough evidence about the reporting of XXXX American people on how these reporting agencies target us and refuse to follow the law. I plan on suing all three credit bureaus on unfair reporting of consistent incorrect information.
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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : 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 or other personal consumer reports

My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however XXXX is still showing debt amounts. I am pleading for Experian to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.
Product: Checking or savings account

XX/XX/year> : Impossible to communicate with Navy Federal Credit Union ( NFCU ) about Savings account via website messages or phone. Payment set up to XXXX XXXX  for XXXX on XX/XX/XXXX as has been done for the past 2 years or more. XXXX XXXX  tried to debit the account on XX/XX/XXXX but it was denied by NFCU, then NFCU sent them erroneous information saying the account was non transactional preventing them from attempting to collect the payment. NFCU is making it impossible for me to pay my bills. Why all of a sudden is my Savings account non transactional?

1. Unable to send messages on NFCU website.

2. Unable to contact NFCU via phone.

A. Instruct NFCU to send letter to XXXX XXXX XXXX credit card verifying routing number of NFCU. 

B. Instruct NFCU to stop making Bank Errors telling XXXX XXXX  that my accounts are non transactional. 

C. Instruct NFCU to pay XXXX XXXX dated XX/XX/year>. 

2a. NFCU Phone system ( Voice verified ) after 10-12 attempts. It kept saying it doesn't recognize ssn or voice several times, wanted debit card code, given. It finally accepted the information and transferred me to an agent. Still, employees did not see voice verification. 


XXXX P.M. XXXX asked for dob & ssn despite being voice verified. Refused to help. 

XXXX P.M. : XXXX XXXX & XXXX also requested. 
Supervisor hung up on me after pretending she couldn't hear. 

XXXX XXXX XXXX : On hold again. 
XXXX also asked for dob & ssn despite being voice identified. Asked for supervisor. I hear dead air only. 

Says he has to have dob & ssn to get supervisor despite being voice verified. Put me on extended hold and did not say he was getting supervisor as requested. 

Unable to report inability to send messages or to get through via telephone. 

XXXX P.M. : XXXX, supervisor hung up on me saying he couldn't hear me but answered XXXX question so I know he heard me. Clerks also heard me. XXXX refused to answer other questions to solve problem.
Product: Credit reporting or other personal consumer reports

Experian inaccurate reporting information on credit report Names, Addresses, collections, hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Scammers approached me to provide a part-time job so I could earn extra income. Well, long story short, they scammed me and took my money. Please see the attached letter for more details.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handlings 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 fails to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking transactions was infeasible. Th CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety
Product: Credit reporting or other personal consumer reports

the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but XXXX  ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me. 

they have Violated The United States XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - Permissible purposes of consumer reports. 

please remove XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.
Product: Mortgage

I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. 
I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. 
I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. 
Since I can not resolve this by contacting them, I have decided to try this avenue.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have submitted multiple disputes. I try to check by phone because online is blocked and they always say no dispute is open. Twenty theft reports sent multiple ocasscions and they seem not to even care about my credit I didn't use please I need help other bearues are way more helpful
Product: Credit reporting or other personal consumer reports

After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX negative reports for XXXX payment that wasn't late
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted The Company XXXX XXXXXXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX, Public Record XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX