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

In XX/XX/XXXX I sent in a dispute over a public inquery that was removed years ago. All other agencies immediately corrected the issue but Equifax has ignored every single attempt to dispute it and does n't even responds back.
Product: Mortgage

Hi, NATIONSTAR MORTGAGE, LLC is violating my    California Home Owners   Bill  of Rights and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE,  LLC  and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for  XXXX /2017.   After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on     XXXX   XXXX   2017 . I  agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017  and was delivered on    XXXX   XXXX    , 2017   which  they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017    and was delivered on     XXXX   XXXX  , 2017     which they accepted and everything was ok as well. But after making those  two  payments I received letter in the mail saying that my   Loan Modification   was denied due to not making the Trial Period Payments. How can this be that after making  two pa yments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for     XXXX   XXXX  , 2017     (   XXXX /2017      ). They are clearly in violation of the California Homeowners Bill of Rights.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Customer Service, I am writing to urgently request the removal of several unauthorized credit inquiries from my TransUnion credit report. Upon reviewing my report, I discovered multiple inquiries that I did not authorize or expect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is essential to note that my TransUnion credit report has an access alert, indicating that lenders are required to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. 

This situation is deeply concerning as it not only violates the terms of the access alert but also poses potential risks to my credit score and financial security. Given that I did not apply for credit or authorize any of these inquiries, they are inaccurate and unjustifiable. 

I urge you to promptly investigate these unauthorized inquiries and take immediate action to remove them from my TransUnion credit report. Additionally, I request that you provide me with a written confirmation once the inquiries have been successfully removed. 

Furthermore, I seek clarification on the effectiveness of the access alert system and how it failed to prevent unauthorized access to my credit report in this instance. I would appreciate any insights or guidance you can offer to ensure the protection of my credit information moving forward. 

Thank you for your urgent attention to this matter. I eagerly await your swift resolution and response. 

Sincerely, XXXX XXXX
Product: Bank account or service

My bank account at Chase was closed for no reason. When I ask why the account was being closed they said they reviewed and decided to discontinue doing business with me. The account was in good standing with funds in the account and a XXXX direct deposit. I had n't bounced any checks or have any overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX recently ( in XX/XX/2023 ) closed a New York and XXXX account when they did not have a permissible purpose to check my report. They tried to justify their violation of the FCRA by saying there were other negative accounts on the credit report. XXXX is now under obligation to provide evidence that these non-XXXX accounts are " valid '' and that these accounts caused harm to XXXX otherwise I will commence litigation against XXXX.
Product: Debt collection

Hello, MDS is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. 

Can I have proof of the debt provided and harassment ended? 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/2023, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Email Not Available ( mailed to address ) Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sent Via Email ( XXXX, XXXX, XXXX ) To whom it may concern : Credence first attempted to collect this paid debt by letter dated XX/XX/XXXX. On XX/XX/XXXX, I responded to their collection notice by sharing a summary of the situation, sharing copies of relevant documents -- bills submitted by XXXX XXXX XXXX XXXX ( XXXX  ) and copies of the checks cashed by XXXX -- for the amount they sought to collect. Credence acknowledged receipt of this information and I never heard back from Credence and considered the matter closed. 

On XX/XX/XXXX, XXXX attempted to collect the paid debt again. 

I attached all information to support everything represented in my complaint. 

I am asking the CFPB to investigate this matter and obtain answers from Credence and XXXX to the following questions : What did Credence do with the information I provided them via my XX/XX/XXXX email that was acknowledged by Credence on XX/XX/XXXX? 
How did XXXX receive my personal medical and financial information and conclude that it had a right to collect a previously paid debt? 
What is Credence and XXXX going to do to prevent future attempts to collect my paid debt? 

I am also asking the CFPB to explain my rights given the harm they have caused me as a result of their abusive consumer collection practices, especially XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Checking or savings account

hello, I have my check account with the capital one bank, my son is added to the account ( join account ) They frozen his personal account and which he is fighting for the bank to open it back again. because he is on my account they also frozen mine too. My account where I receive my social security check and pay my personal utilities. the bank is committing an injustice in times of pandemic. where the little money I receive has been kidnapped. Someone has to take action on this matter.
Product: Debt collection

Collection management 
XXXX owed 

Never received written information, 
This is identity theft 
Sent to validate debt , cant get ahold of anyone 


Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

in XX/XX/XXXX we notified PHH MTG. that we were experiencing financial difficulty.they told us before they could HELP us we had to be behind XXXX mos. at that time we called again for HELP and were sent a packet to fill out and return, we did. during this time we put house on market with no luck. tried another realtor no luck. husband was injured on job and required XXXX and XXXX by XXXX. He trained for home inspection no luck there houses were not selling!!! XX/XX/XXXX wife retired. XXXX XXXX wife had XXXX XXXX requiring XXXX. HUSBAND TOOK JOBS WHICH DID NOT MEET OUR FINANCIALY NEEDS. STILL TRYING TO SELL HOUSE. NO LUCK. WIFE TOOK XXXX JOBS. XX/XX/XXXX ENLISTED AID OF HOPE filed the ANSWER. went to court XXXX-XXXX times by XXXX XXXX PHH told us that there was nothing they could do for us. " WHAT ABOUT OBAMA PLAN? '' XXXX XXXX ( which we did not even know was involved in our mtg. ) did not 'BUY INTO THE OBAMA PLAN!!?? XX/XX/XXXX we moved out and to FLORIDA. we have and are still getting paperwork request from them, we have had XXXX buyers back out due to inefficency of PHH TO move on sale. we have a XXXX cash paying buyer now who is threatening to bow out. a message just today from realtor for recent pay stubs AGAIN. WE JUST SENT AT THAT TIME RECENT PAY STUBS IN XXXX XXXX. OUR MTG. WAS ORIGINALLY WITH XXXX XXXX XXXX, REFI NANCE TO PHH WHO IS BACKED BY XXXX XXXX. OUR OPINION IS THEY ARE PURPOSELY PUSHING US TO FORCLOSURE. THIS IS NOT FAIR TO NEIGHBORS ( HOUSE IS BEING NEGLECTED BY THEM ), REALTOR HER TIME AND MONEY, AND MUNICIPALITIES. PLEASE HELP US THIS IS SO UNFAIR AND PAINFUL TO US. HOME PHONE NO. XXXX OR CELL XXXX XXXX.
Product: Debt collection

The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "
Product: Credit card

I FILED CHAPTER XXXX AND THE CREDIT CARD COMAPNY CONTINUE TO REPORT INCORRECTLY.
Product: Credit reporting or other personal consumer reports

I am reaching out because there is a ticket on my Lexus Nexus report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with Lexus Nexus, for XX/XX/XXXX. I was never informed there was a ticket by Lexus Nexus, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding XXXX. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by XXXX that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes and particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting the discrepancies my financial institution, and Zelle failed to investigate my claims adequately, they claimed recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is completely unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

On XXXX/XXXX/16 I sent Ditech a payment in the amount of {$20000.00}. This payment was for my XXXX XXXX 2016 payment of {$630.00} and the rest was to go towards the principal {$19000.00}. Ditech applied the entire amount towards the principal. 
I contacted Ditech on XXXX/XXXX/16 to resolve this issue. It was not resolved because of an internal problem at Ditech. 
I again contacted them the 1st week of XXXX because the issue was not resolved. Again, I was told they are experiencing a delay because of an internal issue. 
I again contacted Ditech on XXXX the XXXX as the issue was still not resolved. 
Ditech then sent me a statement on XXXX the XXXX stating that my mortgage was overdue and I was being charged a late fee of {$26.00}. 
I contacted Ditech on XXXX XXXX as this issue was still not resolved. 
On XXXX/XXXX/16 I sent a payment of {$2000.00}. The payment was for the XXXX XXXX 2016 payment of {$630.00} and the remainder was to be applied towards the principal {$1300.00}. 
I received a statement from Ditech on XXXX/XXXX/16 that the payment I sent had been applied towards XXXX and XXXX payments and towards a late fee of {$26.00}. 
I contacted Ditech on XXXX/XXXX/16 to speak with a supervisor. Again, I was informed by Ditech that this issue is in process of being resolved. 
I have called Ditech 5 times to resolve this. Each time I have called, I 'm told that they are in the process of correcting this but they are having internal problems that have caused a delay in service. 
This has gone on for a over month now without resolution! 
In the history of this mortgage, I have never paid late!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX  XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for XXXX I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report. 

I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report. 

I appreciate your prompt attention to this matter. 

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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}
Product: Debt collection

I received correspondence from this company dated XX/XX/XXXX. I spoke with a representative when I received phone calls. I explained to the representative that this debt was paid with another company that had validated the debt. I asked for validation of the debt. However, no information was received. I mailed a letter to the company on XX/XX/XXXX disputing the debt and also requested validation of the debt. I received no information. I resent the letter on XX/XX/XXXX. No response was received from the company. I called on XX/XX/XXXX. A representative told me that she would get her manager to investigate. I still received no follow-up. I called again on XX/XX/XXXX. At this time, I requested to speak to a manager but was told that no one was available. I then asked for a manager to give me a call back. I received no phone call. I now see that this account was reported to XXXX on XX/XX/XXXX with a balance of {$660.00}. I am reporting Debt Recovery Systems for noncompliance and requesting that this debt be removed from my credit reports with XXXX
Product: Money transfer, virtual currency, or money service

Recieved text from XXXX claiming to be with PNC Banking. A XXXX XXXX  payment {$2500.00} to XXXX XXXX withdrew. Replied NO. Notified fraudulant PNC Case # XXXX.Also Fraudulant verification code XXXX. They also called to verify it was my phone number. No other information was given out. I notified the caller That I did not have a PNC account. They immediately hung up.