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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXXXXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( Collection ) - XXXX XXXX, Account # XXXX ; {$3000.00} ( Transferred ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX XXXX XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my name XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my report.
Product: Mortgage

I have a active sale date of XXXX XXXX / 2021 Which is next Monday Today date is XXXX / XXXX / 2021 In 7 days my home is set to sell and SLS is playing game All of their attempt is to say There wasnt enough time to review my application so they have excuse to sell my home fraudulently They send me application again and gave me until XXXX / XXXX / 2021????????? 
To complete I already send them application on XX/XX/XXXX by email and fax What happened to it????? 

I have sale date on XXXX / XXXX / 2021 Typical SLS Sloppy toy around No accurate information Doesnt know nothing about my situation Only what they are best in Foreclose on people period. 

This is how they operate
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/2024 and found incorrect information on my credit reports.
Product: Credit card or prepaid card

I sent a secure message though THEIR system telling them to close a dormant account. SEVEN months later, I check my credit report, as I THOUGHT I was going to buy a new car, and there is a collections against me for Barclays XXXX FRONTIER AIRLINES ANNUAL FEE of {$69.00}. No communication from XXXX, just SURPRISE - here 's a ding to your credit report for not paying the fee for a card that you cancelled 7 months ago! Trying to get someone in customer service to fix their mistake is worse than trying to get XXXX to fix your bill if you can imagine!  Barclays ' customer service tactics must have been from XXXX 's school of " Why Are You Bothering Me? ". XXXX from customer service told me that it will take up to two months just to remove the annual fee and that the dispute with the credit reporting agencies is out of her control. XXXX from dispute resolution told me it would take 7-10 days for Barclays to inform the credit agencies and that I would have to call them myself to ensure their mistake was fixed. Nobody even apologized for their mistake, in fact they insinuated that it was my fault for not following up to ensure they closed the account as I directed. If I could attach the screenshot of the secure messaging record anyone could clearly see they dropped the ball.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied XXXX these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
Product: Credit card or prepaid card

I closed the credit card account and it has {$160.00} credit that they will not send to me. I spent over 40 minutes with the chat line, then over 25 minutes on the phone with the credit card department giving my social security number, drivers license number, address, phone numbers, etc.and all I get is " we will call in 1-2 business days '' or " we will call in 2-3 business days ''.
Product: Debt collection

Deed-in-lieu executed on XX/XX/17. Ditech continues to send me correspondence on the account and attempts to collect the debt when I call to have the matter resolved. The problem has not been fixed after many calls on my part and promises from Ditech to resolve the issue.
Product: Credit card

I have requested information regarding my credit card account being abruptly closed and I was contacted by a representative stating that my dispute would be resolved and I have never heard back from this representative. I am eager to resolve this matter as it is reporting negatively on my credit report.
Product: Checking or savings account

I contacted Citibank via their online chat function in mid XX/XX/XXXX 2017 to request instructions to send funds to my checking account via wire transfer. The online representative gave me details, including the bank details for the transfer. I gave these instructions to the company that was wiring me funds - over {$21000.00}. When the wire was sent on XX/XX/XXXX, it was credited to my credit card with Citibank, not my checking account. I used the instructions Citibank gave me which they said were for checking but it turns out they were for credit card. I have attached a copy of the credit card statement showing the wire payment. I contacted Citibank several times to try and resolve the error with no progress. I escalated the situation and agreed with a supervisor at Citibank on a recorded line that {$15000.00} of the {$21000.00} that was sent would be returned to my Citi checking account right away. The remainder would remain to pay down part of the credit card balance. I provided the supervisor with the Citi checking account number and phone number to reach me right away if there were any further issues. This credit did not appear so I contacted Citibank again. I was told on 2 different occasions that the transfer had been processed on XX/XX/XXXX and I would see the credit in 8-10 business days. No one called me despite having been told they would call if there were issues. On the XX/XX/XXXX when no funds had been deposited, I contacted Citibank again. I was told this was being reviewed and they could offer no further assistance. The funds were deposited into the credit card account because Citibank 's representative gave me the wrong information in the first place. I need the agreed upon $ XXXX deposited back into my checking account as agreed with Citibank at the beginning of XX/XX/XXXX. It is totally unacceptable that they have misappropriated my money and refused to rectify the situation. I will cancel my credit card relationship with Citi as a result but I need the banking transaction corrected first.
Product: Debt collection

WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$840.00}. 
This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$1400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX  Installment with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$6500.00}. The original creditor is XXXX XXXX GA. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

UCC : * XXXX. EFFECT OF ERRORS OR OMISSIONS. 
* XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL * XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
* XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

Consumer Name: XXXX XXXX, Consumer Social Security Number: XXXX, Consumer Date of Birth: XXXX, Contents of Complaint: This CFPB complaint has
been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the TransUnion
credit reporting agency, block information appearing on my consumer credit report that is the
result of identity theft and fraud within 4 business days of you receiving this complaint. This
fraudulent, inaccurate, and false information consists of a collections account opened at Attorney GeneraXXXX XXXX XXXX with a balance of XXXX that appears related to the aforementioned personal
loan account opened at XXXX XXXX XXXX XXXX These accounts have resulted in
several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO
credit report. I've attached a list of the hard inquiries in question as well as a copy of the
consumer FICO credit report maintained by you which shows the aforementioned fraudulent
items. I do not recognize the aforementioned accounts, collections, or hard inquiries as
reported. The aforementioned accounts, collections, and hard inquiries appearing on my
consumer credit report maintained by you were not opened, made, or initiated by me. All of the
aforementioned accounts, collections, and hard inquiries are the result of identity theft and
fraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number)
as proof from the US Federal Trade Commission that all of the aforementioned consumer credit
accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have received repeated calls and mail from XXXX XXXX XXXX XXXX  to collect an alleged debt from Bank of America. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related Bank of America documents to review the alleged debt that XXXX XXXX XXXX XXXX  is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from XXXX & XXXX XXXX, Bank of America made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the company PHH/Ocwen loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then PHH/Ocwen has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed Ocwen flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. PHH/Ocwen did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. PHH/Ocwens customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, PHH/Ocwen says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX closed date : XX/XX/2022 in accordance with fair credit reporting act XXXX  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 a late for any purpose
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my finacial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is so very unacceptable and raises serious concerns about consumers like me safety.
Product: Credit reporting or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

Transition reporting inaccurate ifo on my credit report and wo n't give me a credit report
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting age can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX