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 List of accounts below has violated my federally protected consumer rights te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # 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: Mortgage

In XX/XX/XXXX Money Source bought my loan. I mailed my first payment and did so consecutively for the next 10 months. In XX/XX/XXXX, Money Source wrongfully reported me to the credit bureaus. In XX/XX/XXXX, I received a letter from Money Source indicating I was one month past due. I reached out to Money Source immediately by phone, calling up to four times a day without getting through and extensive wait period. I have proof of my payments to Money Source. I reached out to the XXXXXXXX XXXX  XXXX Program Manager. As of date its been no real dialog and still no monthly payment history sent from XXXX. In good faith I sent my monthly payment in XX/XX/XXXX of {$3000.00} to only have the check returned with a letter stating due to the foreclosure status they can not accept it. No other options of repayment was offered. XX/XX/XXXX I wrote a letter to XXXX XXXX, at XXXX XXXX XXXX Attorney at XXXX. I requested a copy of payment history and informed them that my mortgage payments were misapplied. The reporting of fraudulent/incorrect information to the credit bureau XXXX XXXX has hurt my credit worthiness. It seems like the accounting and numbers are not in line. From day one Money Source Inc. just did not feel right. ( Note this all happened within 6 months into XXXX buying loan ) ( see documents attached )
Product: Student loan

I was attending the XXXX college XXXX and i have a genesis loan and i would like to know if they were included in the CFPB settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2.00} ; XXXX XXXX XXXX XXXX XXXX ; EQUIFAX MORTGAGE SERVI XX/XX/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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.
Product: Debt collection

I moved from my hom e  XX/XX/XXXX  I  contacted  XXXX  to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX  . T hey explained to me that my deposit would cover my last bill. So around  XX/XX/XXXX  I noti ced they put a charge off on my report under all  XXXX  bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX  and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact  XXXX  which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, police report case number XXXX, a victim of the security and data breach by a major credit bureau, and also received a letter and was awarded money because of an action the CFPB took against XXXX XXXX and XXXX. 

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 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 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 an 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 and 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

The XXXX XXXX XXXX, XXXX XXXX, has reported unlawfully two missed payments that has result in a decreased in my credit report. 
According to the Consumer Law 15 USc 1666b it is illegal to provide any late payment information to the reporting credit bureaus.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

In XXXX Ocwen contacted me to modify a loan on a property. I had abandoned the property after my late husband died and my previous loan servicer, Litton, would not consider a modification. So for 2 years the property was vacant. When Ocwen contacted me I was glad they were willing to work with me since the property being abandoned was a source of XXXX for me. I was told I could not apply for HAMP program thus being given a Shared Appreciation Modification. This has two qualifiers- you owe more than the property value and you dont qualify for HAMP . The modification was done at 2 % on {$120000.00} for XXXX payments ( {$730.00} ) ending XXXX. Payments were fine until XXXX I had some financial issues and got behind. So I requested a payment plan and was told I had to modify the loan. The modification terms were 4 % on {$120000.00} of which ( {$19000.00} ) deferred as forgiveness for next 3 years in equal parts RESULTING in NEW principal balance of {$100000.00} for XXXX payments ( {$750.00} ) BUT SOMEHOW there is a balloon payment of {$69000.00} due and to be paid in full on XXXX/XXXX/XXXX. This was a deceptive modification that had unjust costs. At some point my loan was transferred to a subsidiary of Ocwen, PHH now going by XXXX. 

Recently my mother and father died so I needed some assistance. I requested again a payment arrangement, was delayed 3-4 months due to the companys inconsistent contact which caused the amount to surmount. The terms finally being given as 3.625 % on {$110000.00} for XXXX payments ( {$800.00} ) ending XXXX, which has a balloon payment of {$82000.00} at end of term. 

These unlawful practices should be illegal. They are taking advantage of those in desperation. The value of the property is far less than they are asking for the mortgage. This loan started in XXXX at {$94000.00}. Now Im being charged double. 

XXXX XXXX, formerly XXXX XXXX Loan # XXXX
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 recent CFPB lawsuit, highlighted significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and they failed to investigate my claim adequately. They informed me that recovering loss forms was impossible, and that tracking these transactions were unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to explore the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate information reporting, these accounts are all reported differently o each credit bureau.How can i have 3 different balances reporting, 3 different past due amounts reporting and according to the FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) it is a violation. There are several other violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX on XX/XX/XXXX was disputed XX/XX/XXXX opened XX/XX/XXXX XXXX {$870.00} XX/XX/XXXX in XX/XX/XXXX The accounts were identity theft neither were opened by the consumer. Disputes were done and the the companies stated that they charges were valid. There is an address in Florida where the consumer never lived all this was expressed in disputes.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 years ago my information was part of the equiax hack, never being notified by them I found out from a co worker and how to see online which I was affected starting with them I submitted 3 different claims to there settle ment department of and nothing had been resolved, no help, no information, they haven't giving me the 7 years of free credit monitoring, hec I can't even log in now to unlock my credit, so from there I started cleaning up the mess myself using y'all 's site, FTC , irs , identity. Gov, getting new social security cards, drivers license 3 times, I used XXXX, XXXX, XXXX, XXXX XXXX, all who have denied me any kind of reimbursement or help one I started submitting claims and reciepts for lawyer bills etc etc, XXXX was hacked, XXXX, XXXX, XXXX XXXX, XXXX, etc, I haven't gotten a tax return in 2 years there's 14 inquiries on my credit report I dispute they go away and pop right back up 6 months later. I out out fraud warnings and filed claims and have all the documentation, I can't even get a passport and I'm financially at the end of my rope I make XXXX a year and have no Debt except maybe XXXX on credit cards I used during covid layoffs. It's just a drain and idk what else to do please help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

It has come to my attention that a WELLS FARGO BANK, N.A. check numbered XXXX was successfully received by the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX but the funds were never delivered to XXXX by WELLS FARGO BANK, N.A. If XXXX is dealing in good faith it stands to reason that WELLS FARGO BANK, N.A. failed to honor the negotiable instrument that was sent to XXXX. It is the duty of WELL FARGO BANK, N.A. to make the funds available to the payee of the negotiable instrument once the negotiable instrument is processed. WELL FARGO BANK N.A. 's apparent failure to process the negotiable instrument as required has negatively impacted a debtor 's credit file causing it damage.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights.I am writing this complaint today trying to get this self? XXXX XXXX ( XXXX ) account off my credit report I do not recognize this account as well as it has a late payment on it which is greatly effecting my credit report. This will be my second time contacting the company about removing this derogatory account from my credit report. I would like for this account to be taking off of my credit report across all three bureaus as soon as possible.U.S.C 1681 section 602 A. States I have to right to privacy. As well as there are two inquiries on my credit report that I did not apply for XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 to current, Burns Auto Credit LLC has been reporting my experience & transactions with their company on my XXXX consumer report :, Which is in clear violation : Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXXXXXX 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: Debt collection

To whom it may concern, I filed a borrower defense case on XX/XX/scrub> 2022 against XXXX XXXX University. When you file a borrower defense case against a school. They are automatically notified through the department of education. While under deferment and the case was pending. XXXX XXXX University used Sequium Asset Solution a debt collector to try and collect a debt. They negatively reported a debt to my XXXX and XXXX reports for months. Which harmed/ impacted me significantly. They knew and was notified. That lets me know it was done out of malicious intent to inflict harm.