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

I was reviewing my credit report and noticed that Experian is reporting my payment status on several accounts incorrectly
Product: Credit reporting or other personal consumer reports

experian continues to mix up my credit file with my father. I constantly have to contact them to remove items from my report. I have the same name as my father however we DO NOT have the same social security number. I have had to contact experian over 3 times report remove incorrect information from my report. experian needs to do better.
Product: Mortgage

On Fri XXXX XX/XX/2018, I was sent a overnight XXXX package from XXXX XXXX, an employee of JP Morgan Chase Bank NA, thanking me for my home mortgage lending activities. From Jp Morgan XXXX XXXX XXXX. XXXX XXXX, NJ XXXX, contact XXXX. After I received it I called XXXX and various employees of Chase Mortgage and have yet to come up with an answer as to why I received a HMDA Public XXXX when I do not own or applied for mortgage. My first name on label was spelled wrong, but the cell phone number on the label was in fact my cell phone number at the time. 
The address was to XXXX XXXX XXXX XXXX, but real address is XXXX XXXX XXXX XXXX XXXX CA XXXX. 
My name is XXXX XXXX and I have been a victim of Identity Theft. I rent at the address, but people that own it were going through a mortgage. 
I need to know why I was sent this HMDA. 
Contact me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has had my account frozen and ... '' In Dispute " ..for over 9 months. I can not even get a response. I am on hold till they obey the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to XXXX and Equifax here is my tracking number XXXX however the credit bureaus said that they completed the investigation and everything was 100 % accurate. XXXX also confirmed they received my letter XX/XX/2023. 

According to 15 U.S.C s 1681a Definitions ; Rules of construction The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general repetition personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information, However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to How did they complete this investigation
Product: Debt collection

I have received numerous calls within a XXXX week period attempting to collect a debt I have been making payments on based on my available finances. 
PMAB called on the following dates and times:XX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXI advised XXXX when I called on XXXX/XXXX/2015 to cease and desist all communications as this was bordering on harassment and I was told they would not stop communications unless I submitted it in writing. I faxed them a cease and desist letter and then mailed it to them. I have a copy of the letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of my XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This account contains multiple inaccuracies and contradictions that violate the Fair Credit Reporting Act ( FCRA ) and must be immediately removed from my report. 

Despite my previous disputes, this account has been verified as accurate without addressing the following discrepancies : Conflicting Account Status : The account is simultaneously reported as " Open '' and " Closed, '' which is an impossible contradiction and a failure to ensure accurate reporting under 15 U.S.C. 1681e ( b ).

Incorrect Balance Reporting : The report states both " 0 % left to pay '' and " XXXX  % left to pay, '' while maintaining a {$7200.00} balance, creating inconsistency and misleading reporting. 
Re-Aging of Late Payments : The account was voluntarily surrendered, yet late payments ( RF Repossession/Foreclosure ) continue to be reported well into XXXX, despite the account being closed. 
This is a clear violation of 15 U.S.C. 1681c ( a ), which prohibits the reporting of obsolete negative information beyond the allowable time frame. 
Unverifiable and Misleading Remarks : The report includes the note " There May Be A Balance Due '', yet the balance information is contradictory. If a balance is due, it should be accurate and verifiable.

Under 15 U.S.C. 1681i ( a ) ( 5 ), if any disputed information is inaccurate, incomplete, or unverifiable, it must be deleted from my credit file. Because the furnisher ( XXXX XXXX XXXX ) has failed to provide accurate or consistent data, this account must be removed entirely.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX the Executive Office XXXX XXXXXXXX to the XXXX XXXX XXXX XXXX of the WELLS FARGO verified my Account and Customership and same was augurred by XXXX XXXX of the same Office on XX/XX/XXXX. But for some unexplained Reason, the Customer Service, mentioned herein, was unable to a Check Cashing tithered in the Complaints. 

It should be noted that I received a Waiver of Exemption Check of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, Dollars from the United States Department of Justice on XX/XX/XXXX as a Peremptory Exception to my Supreme Court Exempt, XXXX, Appeal in Nevada XXXX XXXX ( See, CFPB XXXX XXXX : XXXX for the Attachment of the Check, therein at-law. ) No Customer Services were able to cater to the Check Cashing, Complaint till date.
Product: Checking or savings account

I have a capital one 360 savings account that has a high yield apy. I dont know whats going on or it should be a concerning matter, but I believe the apy may have changed while I had this account. I have a XXXX apy interest but its was supposed to be XXXX. I look at my first statement which is XX/XX/year>. I also see that the monthly paid interest, sometimes it goes up and sometimes it goes down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts off of my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Credit Reporting Agency Name Equifax XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX  XXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
2. Section 1681b ( 5 ) This section requires that users of consumer r

eports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XX/XX/2023 to report accounts that were closed over 10 years, requested the account to be removed. On XX/XX/2023 they updated the account for another 10 years which means this closed account will be on my report for a total of 20 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a " standard '' transfer of {$1100.00} from my Venmo account to my XXXX XXXX Checking account. I didn't mean to transfer my whole balance but Venmo didn't include the same confirmation button here that it does for its " Instant '' transfers. According to the application " Bank transfers initiated before XXXX XXXX  '' should be available the following business day. At no point was I informed that my transfer was over any sort of threshold. Earlier today, I was sent an email with bold text in it from a support XXXX that my account was in " good standing '' because I had contacted them about my inability to preform this transfer as an " Instant '' transfer. There is something very strange going on here. I contacted support today to inquire about my transfer and was told it is now being reviewed and I am powerless to do anything about this " review '' which is " fully automatic ''. I am not allowed to contact any member of the review team, I am not allowed to verify my identity, I was not even informed anything was taking place until I contacted support as my app still shows " Est. completion : XX/XX/year> '' which is a verifiably false claim as support informed me that it is a XXXX business day process and I am not to attempt contacting anyone until the XXXX business day. None of this is made clear, if it is even codified in a XXXX  that I agreed to by action of using the app, and certainly not by the XXXX  XXXX used by their supports who refuse to escalate the chat. A XXXX  that no matter how much it is modified without notice to me I agree to by simply using the same app I have used without issues for many years. Its clear to me that this review has nothing to do with fraud prevention as they have not allowed me to verify that it is not fraudulent. The support also was using double negatives to imply that I would get my money, another verifiably false claim as they state they XXXX freeze or take my money all together at their whim without allowing me any due process to prove the legitimacy of my transaction.
Product: Credit reporting

XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.
Product: Credit card or prepaid card

Last year 2016, I went to file my taxes and had discovered someone had already filled in my name. So I went through a whole process of identity theft which took 5 months to resolve with the IRS, before I could even get any of my tax money. This year they provided me with a pin to use to file. Although, I had a pin to use when it was time to submit my taxes I received a letter by mail stating they needed a form due to me having insurance through the XXXX XXXX XXXX XXXX. In fact I do not have insurance through the XXXX XXXX, I have insurance through my employer XXXX XXXX. After calling around several places, to see who in fact had insurance in my name. When I called the XXXX XXXX  XXXX XXXX, they provided me with the name of the XXXX XXXX, and also provided her XXXX and told me to reach out to XXXX. When I called XXXX of GA, they also saw a plan in my name using my social and told me that whoever had the plan was making payments on this plan. I had to explain to them that I was in fact XXXX XXXX, gave my social and let them know that was not my health plan and that I have insurance through my employer. They also provided me with an address for the person. When I XXXX the address it came up as a house for sale, which means XXXX just used a random address. This prompted me to place an identity theft alert using my social and that where I saw the Walmart Credit Card. It stated it was closed, but still had an outstanding balance. This is not my account, nor balance. I filed a complaint with the company and received a denial letter, my claim was denied because the person was making payments, and that I benefited from this account. How? I don't know. Then I was asked how I filed a police report. My answer was how, when I don't even know where this person lives. I do know shes lives in the state of GA. And thats about it. I am not the only person she has victimized. Anybodys taxes she had done over the years are all victims as well. We have no help due to this person moving all around the world, so the police are unable to assist. She is very smart, to the point she works in XXXX XXXX companies, getting access to people personal information, and now she works for a credit company that fixes people credit. This is exactly how this person gained access to my information, but once doing my taxes. It's not hard these days to use other people information to get what you want. I have reached out to all of her employers from different XXXX XXXX to her new employer XXXX XXXX. I do not even shop in walmart because of an issue I came across, when buying my niece a doll. They had a XXXX doll on sale for {$11.00} and the same exact doll in XXXX XXXX for {$39.00}. Of course since they price match, they were willing to give me the doll for that price. But after that I no longer wanted it. I don't even know how to make payment for this account, because I have no information.
Product: Credit card

HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and Acct # 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  HAS violated my rights. 

15 USC 1681 Section 602A. 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 a open end consumer credit plan as late for any reason.
Product: Debt collection

My recent credit report review revealed several accounts that seem to have been added without my knowledge and are inaccurate. I request that these fraudulent accounts be blocked and removed at once.
Product: Consumer Loan

I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.
Product: Mortgage

I had a Mortgage with XXXX XXXX. for a property that was sold and approved by XXXX as a short sale in XX/XX/XXXX. This property had a successful closing and the XXXX XXXX  was paid and satisfied. 
Now @ XX/XX/XXXX the paid and satisfied loan was transferred to Shellpoint Mortgage from XXXX as an open unpaid Mortgage Loan. 
I have contacted Shellpoint Mortgage on a daily basis via their customer service phone number and also their loan servicing e-mail. I have been on hold hours at a time with representatives that have not been experienced in any loan assistance. 
I have provided supporting documents of the closing of the loan to XXXX as directed by the representatives. 
I have not received a response and this matter urgent matter continues to be unresolved. 
This is negatively impacting my credit, housing lease abilities and/or ability to request any financial loan or credit. Including my credit decreased on credit cards unfairly. 

Please see the below e-mail also sent from the attorney who completed the closing of the property : My office represented Ms. XXXX XXXX in the short sale of the above property, which CLOSED successfully with XXXX, the prior servicer, back in XX/XX/XXXX. MsXXXX XXXX has not owned this property, nor been responsible for this mortgage debt since our closing date of XX/XX/XXXX. 

I have attached not only the Satisfaction of Said mortgage, received from XXXX in XXXX, but also all closing documents and proof of wire sent to XXXX after closing. 

Ms. XXXX is copied on this email with her real estate agent. I am seeking written confirmation be sent to myself, or Ms. XXXX directly, confirming this loan has been satisfied and she owes your company no money for said mortgage. 

Please respond as soon as possible. 

Thank you XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, NJ XXXX Office : XXXX Cell : XXXX Fax : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made XXXX payment regular payment .XXXX  called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.
Product: Student loan

I was a student at XXXX XXXX University and the school disbursed {$3700.00} to a BankMobile Vibe Checking Account for me on XX/XX/XXXX. I used those funds. XXXX XXXX University disbursed {$3700.00} to the same BankMoble Vibe Checking Account on XX/XX/XXXX. I didn't use the funds and they should have been returned to the XXXX XXXX University. I was informed the funds weren't returned to the school. I contacted BankMobile on XX/XX/XXXX to request them to return the funds since they hadn't already down so. I was informed they would need to my social security number to check the account. The representative returned the phone and informed me the account had been closed for over 7 years and that they were not required to give me any information and that any unused funds in the account would have been used for monthly bank charges. I informed the representative that the funds should have been returned to the school in XXXX and that I have a student loan ( and interest ) because those funds weren't returned to the school as requested. Later, I received a debit card in the mail stating I had opened a new checking account with BankMobile. I never requested to open another checking account with BankMobile. My purpose for contacting BankMobile was to inquire about the status of the funds and find out why they didn't return the student loan funds to XXXX XXXX University. They opened the new checking account fraudulently and erroneously. I have never used the account. It's my understanding that funds had been returned to the school in XXXX and my military benefits covered my full tuition and book fees beginning in XXXX. There was no reason for me to think the funds hand't been returned. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

reference is made to CFPB complaints XXXX, XXXX and XXXX where I have sought a copy of XXXX XXXX XXXX full disclosure report, and where XXXX XXXX XXXX, in this latest round of month 's long series of failures on their part, have still failed to send a copy of XXXX XXXX XXXX 's report.
Product: Debt collection

I got a letter in the mail from Afni , Inc . It states they are trying to collect a debt. There is no debtor, there is no amount owed, nor is there an account number from any said debtor. The letter states that a request has been made on their behalf to access my credit report. Companies can not randomly choose to access credit reports under the Fair Credit Reporting Act, especially debt collector companies. 

If Afni has any real proof of my debt, or an alleged debt owed, I expect the original contract of said debt in writing with my original signature within 30 days. If this does verification does not exist, they must remove all reporting and/or access to my credit report, and they are NOT authorized to access my credit.
Product: Debt collection

XXXX XXXX {$1400.00} Account opened fraudulently, collection account is reporting as opened.