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

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX   XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}
Product: Credit card

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent.
Product: Credit reporting or other personal consumer reports

There is information on my report that is not mine.
Product: Money transfer, virtual currency, or money service

I transferred money over from my XXXX account to my chime account and my chime account got suspended and they are holding my money I have sent over id 's and bank statements to every account I own and they are refusing to give me my money
Product: Credit card or prepaid card

A credit card account was opened with Capital One using my email address. I continue to receive email notifications about this account. 

I contacted the company to let them know that I do not have an account with them and that they need to contact the owner and remove me from the account. 

Capital One have indicated that they can not do this and recommend the only path forward is for me to login ( commit identity theft ) to the customer 's account and close it for them. I've spoken with Capital One on 3 different occasions from XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX  XXXX XXXX ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since XXXX XXXX XXXX enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted XXXX XXXX XXXX to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX  with all of the credit bureaus but have not removed the late payments. I made many calls to XXXX  XXXX XXXX to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and Equifax files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I XXXX XXXX XXXX the consumer, notified XXXX, EQUIFAX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, EQUIFAX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.
Product: Mortgage

They never used my escrow funds to pay my township taxes so I received an escrow surplus check in the mail in XXXX XXXX. XXXX days later I got my township tax bill showing that I owed my taxes for the year. I sent my township all of the funds owed. Then Newrez also paid my township taxes which put my escrow account into a deficit. Since they paid my township taxes in a lump sum in XXXX, plus collected my escrow payments in XXXX, XXXX, and XXXX, they have vastly over projected my township taxes for the next year which increased my monthly payment by $ XXXX. 

I have spoken to over XXXX customer service reps at this point and have emailed them all of the documentation that was requested including township tax bill for the coming year showing that they are incorrectly projecting my taxes. This has been going on for more than XXXX months now. Every time I speak with someone, I need to re-explain my entire situation. 

Once we received a refund from my township for the tax payment that they received twice, we issued this back to Newrez to make our escrow account whole again and put us back in a surplus. No one has been able to rectify our projected taxes so we requested to remove our escrow account. I received a letter in the mail over a week ago ( dated XX/XX/XXXX ) telling me that my escrow account has been closed. When calling to ask when they will disburse the surplus funds sitting in my escrow account, they told me that another escrow analysis has been done on my account on XX/XX/XXXX and my monthly payments have gone up again! Now I am being told that I will need to make another monthly payment of the $ XXXX more than I should be and that it could " take another XXXX weeks for the process to be resolved ''.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that 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. Due to the scams my bank accounts were overdrawn and closed with XXXX XXXXXXXX XXXX! 

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

Ive attached a screenshot to show I did have Zelle and my email was removed because my acct was closed and a screenshot of what happens when I try to log into my bank acct
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} EXPERIAN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Student loan

Letter, dated XX/XX/2022, addresses Aidvantage to opt-out of sharing and reporting my information to non-affiliates. Aidvantage is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went online to freeze my credit information with Experian on Saturday, XX/XX/2018 and after entering all the correct information was not able to freeze my credit information with Experian online. Experian website shows that they were not able to freeze my account based on the information I entered, and requires I send all of the same information along with copies of my licence and bank statements by certified mail. I made screen copies of all the information Experian required online and my answers to these questions as proof that I entered the correct information to freeze my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.
Product: Debt collection

On XX/XX/XXXX I called to Wakefield & Associates due to them calling me and leaving a voicemail about debt needing to be collected. I called to get information on what supposed debt they had about me. The rep shared that I had medical bills not paid for the service dates of XX/XX/XXXX and XXXX XXXX, XXXX and that this was my Acct XXXX to pay the debt online. I informed them that I never received a bill from the doctors to reprovide my insurance for insurance to cover and pay. Wakefield and Associates told me that it was too late provide my insurance information to cover the bill with the doctors. I asked to know who the doctors were, they shared it was XXXX XXXX XXXX and XXXX XXXX. I tried to follow up with the doctors offices and was unable to get ahold of someone associated with these doctors. I called my XXXX insurance to ask if they had ever received a claim from these doctors for those specific dates. The XXXX XXXX I spoke with, his name was XXXX and verified that they never received a claim and asked that I try to get the itemized bill to resubmit a claim. I shared that it was sent to collections. XXXX was willing to help me get Wakefield and associates on the phone and get that information. I provided XXXX with Wakefields number. I verified myself to Wakefield. I gave XXXX permission to speak on my behalf and try to get the itemized bill. Initial Wakefield rep had to transfer our call to the Manager of my account. I believe the manager we spoke with was XXXX XXXX. After speaking with her, she confirmed that she would email the itemized bill to XXXX for the claim to be submitted and pay bill. 60 days after this call, I followed up with my insurance claim department because Wakefield reached out again about the debt. The rep I spoke with shared that Wakefield never sent the itemized bill and that the claim has not been submitted. Over time I have called Wakefield to provide the itemized receipt and state the name of the manager who told us she would send it and they dont send the itemized bill. I am tired of calling to get this cared for when my insurance is willing to pay the bill and just need the itemized bill and this company is not being complacent and giving me the run around. This is very frustrating and I refuse to pay out of pocket for a service that happened while insured and covered by insurance. I have been working diligently with XXXX credit repair to get this cared for and I am very frustrated with this not getting anywhere.
Product: Credit reporting or other personal consumer reports

TransUnion is been reporting an XXXX XXXX account since 2017. This account doesnt belong to me. I have nor had any business with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A couple a weeks a go I received a letter from Midland Credit Management, trying to collect a debt from a XXXX XXXX account. I spoke to representative and they toke my information and told me that they were going to investigate the situation and they will let me know within a-couple of weeks their response in writing. To day I received a letter stating that they were uncertain of what I was disputing. 

I call the company again and they toll me that I have to initiate a claim through the Consumer Financial Protection Bureau, for fraud. 

They informed that the previous bank sent a letter to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. Using my name and SS number. 

I have been living in XXXX  since 2005 at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX  reports my XXXX  score is XXXX. XXXX  then pulled the information from Trans Union and XXXX. Trans Union report at my XXXX  score as XXXX and the number had not been updated since XX/XX/XXXX. XXXX  report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from Trans Union and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. 

XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from Trans Union and XXXX  those two score should be considerably higher too. Trans Union is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt.

I feel that Trans Union, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like Trans Union wont allow them to!
So I would like an investigation done into Trans Union & XXXX  as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. 

There should be a lot more oversight on these credit bureaus. I filed a dispute with Trans Union I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. 

Until then no matter what we did our score never budged and that is a great cause for concern. 

Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. 

The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you with great urgency and concern regarding the fraudulent items that persist on my credit report. I have identified these inaccuracies, and I insist on their immediate removal to protect my financial reputation and well-being. 

The fraudulent items on my credit report are causing significant harm to my financial life. They have negatively impacted my credit score and have made it difficult for me to access loans, credit cards, and other financial services. This situation is not only unjust but also jeopardizes my financial stability.

I demand the following actions be taken immediately : A thorough and unbiased investigation of the fraudulent items in question.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be addressed urgently and professionally. It is my right as a consumer to have an accurate and fair representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence to support my claim and assist in the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I took a car title loan out with tite max and i belived my boyfriend was making payments on it. I payed XXXX in XXXX the loan was for XXXX now they have repossed my car and want about XXXX to return it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX in the XXXX XXXX since XXXX. I have provided XXXX and Midland Credit with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

Midland Credit keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.
Product: Mortgage

OCWEN LOAN SERVICING, HAS REFUSED TO RESTRUCTURE MY LOAN. THEY ARE ATTEMPTING TO FORECLOSURE WITH A ROBO SIGNED ASSIGNMENT. XXXX XXXX IS ACTING AS TRUSTEE FOR XXXX XXXX. THIS TRUST HAS SEVERAL PENDING LEGAL ISSUES. THE ASSIGNMENT WAS CONVEYED AFTER THE CUT OFF DATE OF THE TRUST ACCORDING TO THE POOLING AND SERVICING AGREEMENT IN SECTION 201 ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OFF DATE.
Product: Vehicle loan or lease

American Honda Failed to validate account number XXXX per my request mailed on XXXX/XXXX/2020. 
Due to American Hondas failure to validate account number XXXX, I mailed a follow up letter on XXXX/XXXX/2020. 
On XX/XX/2020 I mailed American Honda Finance a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XXXX/XXXX/2020. Return Receipt Tracking number XXXX. 
Due to American Honda Finances failure to validate account XXXX twice, I demand the tradeline be deleted from my credit reports immediately.
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 XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.