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

I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach, XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services, LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. This means there should be no separate fees associated with this consumer credit transaction beyond the amount financed. Pursuant to 15 USC 1640 ( a ) ( A ) ( i ) I should receive compensation for twice the amount of the finance charge shown as {$6500.00}.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have instructed Experian to make sure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX all honor my opt out request Pursuant to 15 UCC 6802 but Experian just keeps on replying, saying that they will no longer look into this dispute because the company verified information. I never asked for verification of anything. I am demanding to opt out the sharing of my personal information with third-party credit bureaus. Credit bureaus are not directly affiliated with either of these companies, therefore my rights are being violated, and Experian needs to be held accountable for the violation of my rights under the UCC code.
Product: Mortgage

Good morning I received a reward from XXXX XXXX XXXX XXXX XXXX XXXX 
The amount was for {$9300.00}. The money was sent via wire to my lender United Wholesale Mortgage. United Wholesale mortgage has a servicer by the name of XXXX XXXX XXXX. The Reps at the XXXX stated that they verified all of my information prior to sending the wire to my lender. 

My lender has not been able to locate this wire from XXXX. 
I contacted the XXXX reps and asked them to give me a copy of the wire confirmation and the federal Reference number- this is what United Wholesale Mortgage has asked for to facilitate the process for the missing wire. This has taken 30 days. I am late on my mortgage and struggling- this reward was put in place by my XXXX. XXXX and it took me 8 months to get approved- only to have both sides XXXX and my mortgage company not be able to locate the wire!! 

I do not know who is at fault - I just want the wire for {$9300.00} to be found. 

I have waited long enough- I borrower money every month waiting to get caught up, so I am not 30 days late. 

I don't want to loss my home- I need this help that I was approved for. 

If needed I have all the documents I received from XXXX as I am approved and I have the letters from UWM stating that they can not locate the wire.

UWM needs to get the wire confirmation and federal reference number from XXXX- Please help UWM get what they need in order to locate my wire. 

XXXX is having a problem locating these documents to UWM. 

Thank you XXXX Bless you
Product: Credit reporting or other personal consumer reports

Transunion is in violation of 15 USC 1681 ( I ) I am demanding a reinvestigation on these inaccurate reporting on my credit report ASAP. Transunion is furnishing my credit report with inaccurate information and balances which is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the emotional and financial distress caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you may require. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The app os cashapp and I was using it for a while to store XXXX as well as money in stocks, but randomly my account was closed, It was actually hacked into someone from XXXX  got my information and from there it was banned luckily most of money was in stocks and bitcoin so they couldnt take it, After that I wanted to withdraw my money to my bank account i withdrew my stocks and put it in my bank account but the problem is XXXX whenever I try to withdraw it theres an error screen and the customer service pretty much says we cant do anything about it
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Yesterday, I called my mortgage company, Ocwen Loan Servicing , LLC . that as of XXXX XXXX, 2015, I owed them $ XXXX and that I did not need to pay my mortgage for XXXX 2015. As of XXXX 2015, I received a notice from their company stating that I owed XXXX to cure the default by XXXX XXXX, 2015. First and foremost, I was not aware I was in default. I have never agreed to a forbearance or loan modification with Ocwen Loan Servicing. I sent a certified money order totaling {$800.00} on or about XXXX XXXX, 2015 ; and on XXXX XXXX, 2015 I wired {$1900.00} via XXXX to Ocwen. According to my records and calculation from the notice sent XX/XX/XXXX, I had satisfied the requirement to cure deficiency. I was told twice by customer service that I did not owe a XXXX payment however my balance is {$1300.00} for the month of XXXX 2015. I informed the customer service whose agent number is XXXX that this incorrect. XXXX XXXX, Ocwen 's agent, informed me that the balance included late fees and my escrow analysis ( which they have been tampering with by Ocwen ). As of XXXX XXXX, 2015. I do not owe Ocwen any fees or mortgage note. Ocwen is a " predator. '' They are preying on minorities, XXXX, and the poor. They are not in the business to " keep people in homes '' this a fraudulent statement ; they are in the business of adding as many fees to your loan in order to put the customer in default. They are/have destroyed dreams of being a homeowner, people are homeless because of their business ethics to benefit the CEO of this corporation. They are liars and you have the power to " REVOKE '' their ability to do business in this country. The loan modification process with this organization is DECEPTIVE and whomever designed the model for this company should be ASHAMED and ordered to go JAIL!!! 

Sincerely yours XXXX XXXX
Product: Debt collection

The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my right under FCRA XXXX and fair credit and billings act have been violated for these XXXX accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. I DO NOT RECOGNIZE. 
Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas. 
Please direct the XXXX bureaus to conduct full investigation into this matter and not to use XXXX party vendors to purchase my information which I have opted out of. If they do, please provide the XXXX party vendors so I may contact them to see why they have violated the release of my personal information without my consent and especially when I have opted out.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Account Balance - XXXX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by XXXX XXXX ( XXXX ) and is now under the purview of Zwicker & Associates for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, XXXX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by XXXX is misleading and inaccurate. 

Furthermore, I have noted that XXXX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that Zwicker & Associates provide full validation of this debt, including : XXXX. Documentation proving the accuracy of the amount claimed. 
XXXX. A detailed explanation of why XXXX is reporting a balance despite the account being charged off. 
3. Proof of Zwicker & Associates legal authority to collect this debt. 

If XXXX and Zwicker & Associates can not substantiate the claims regarding this account, I respectfully request that : XXXX. XXXX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
XXXX. Zwicker & Associates halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are derogatory items showing that are passed the statute of limitations in NY and they refuse to remove or even verify the debt beyond a stamped " debt verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I had a Capital One credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not given me a credit investigation to the fraudulent hard credit inquiries I have disputed on my credit report and have asked me to provide the following information. : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. EQUIFAX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX INQUIRIES ARE NOT PROVIDED TO PROSPECTIVE CREDIT INQUIRIES ARE A FACTUAL RECORD OF ALL COMPANIES THAT HAVE ACCESSED YOUR CREDIT FILE. IF YOU BELIEVE THE INQUIRIES WERE UNAUTHORIZED, PLEASE CONTACT THE COMPANIES DIRECTLY. PROMOTIONAL, ACCOUNT REVIEWED AND ACCOUNT MONITORED INQUIRIES REMAIN ON THE CREDIT FILE FOR 12 MONTHS AND ARE NOT SHARED WITH POTENTIAL CREDIT GRANTORS. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE - I have provided this information to them through their website- I have tried contacting their customer service number but no one ever answers the phone so I can not get through - I have not been provided with documentation showing my signature of authorization for these hard inquiries that o have disputed. I would like a representative from the credit bureau to contact me at XXXX as I am unable to get a hold of anyone on the line
Product: Credit reporting or other personal consumer reports

Filed a CFPB complaint on XX/XX/XXXX that I could not access my credit report. Experian responded on XX/XX/XXXX that I had closed my membership in XXXX and advised me to open a new membership. I tried to open a new account and the response on Experian website you have already created account and site led me to the login page. Tried to login again and received account blocked. 
My only option seems to be getting a lawyer involved if I cant get Experian to grant me access to my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 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. 

XXXX XXXX XXXX - XXXX The XXXX XXXX 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 card or prepaid card

Discovers Customer Protection Services used the personal data that I submitted per their request and in defense of my initial ID theft claim for the acct. ending in XXXX to open a replacement XXXX account ending in XXXX ; using my valid credentials. Discover transferred the fraudulent acct balance of approximately {$3900.00} to the XXXX " replacement '' account ending in XXXX. The information I submitted in the initial ID Theft claim totally contradicted information that they relied upon to approve the initial fraudulent acct. ending in XXXX. Discover is now attempting to conceal information relevant to the fraudulent account by directing the Credit Reporting Agencies to delete all information relevant to that fraudulent account ending XXXX  and to add the information from their " XXXX '' replacement account ending in XXXX. Discover never acted ethically while investigating the initial ID Theft/fraud claim and acted unscrupulously regarding my request for documents ; they never honored the document request submitted by XXXX Police Detective or myself. To this day, Discover has not produced any records of signed agreements, etc. pertaining to the fraudulent account. I insist that they produce documents. Particularly, given the history of class actions law suites filed against them for allegedly producing fraudulent credit card agreements in order to collect money from their cardholders in court.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XX/XX/2023 amount-XXXX XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

Phone number called me several times a day over a period of weeks but i never answered and when I finally did, there was no mention that they were a debt collector. I asked her what 'portfolio recovery does and why they keep calling me ' and she refused to answer unless I confirmed my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX