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

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the disputed accounts ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My XXXX loan with Navient was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two XXXX  loans ( one with Navient and one with US Dept of Ed ) on my credit report when I only have XXXX loan with Dept of Ed. I emailed Navient about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.
Product: Debt collection

The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from SCA Collections to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have fell to comply by sending such document to prove validation then SCA Collections continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA. 
SCA COLLECTIONS INC Last reported XXXX XXXX, XXXX {$270.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 6 mos ) Account status Open SCA COLLECTIONS INC Last reported XXXX XXXX, XXXX {$100.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 6 mos ) Account status Open SCA Collections has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( SCA Collections ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and SCA Collection have been aware of these HIPA violations and has been asked to delete immediately. They are many Monetary violations of up to 1K per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately
Product: Mortgage

On XX/XX/2020, a written request was faxed to Reverse Mortgage Solutions for them to send my insurance payment premium of {$970.00} to the insurance company. The funds were to be withdrawn from my XXXX XXXX XXXX, which currently has over {$1000.00} - more than enough to cover the premium. 

On XX/XX/XXXX, I received an email from a representative who was responsible for processing insurance request and it stated that she had been laid off the day before and suggested that I resend the fax, as no one might not have seen the initial fax due to her termination. 

On XX/XX/XXXX, instead of faxing the 2nd request, I emailed to XXXX. 

As of today XX/XX/XXXX, the insurance company has NOT received my payment and my grace period has expired along with the insurance policy. 

The request I sent in XXXX was processed but the request sent in XXXX was not.
Product: Debt collection

On XX/XX/XXXX, I purchased a dishwasher and a printer from Conns XXXX XXXX. 
A property insurance policy and a repair warranty service were included on the contract with the understanding that if both of these services were cancelled within 30 days of purchase, that I would not be charged for them. After canceling the property insurance policy within the 30 day time frame, I received a letter from Conns dated XX/XX/XXXX that stated that my monthly payment amount had changed to a lower amount due to the cancellation of the property insurance. On XX/XX/XXXX I received a 2nd letter that acknowledged my cancellation of the appliance repair service ( this service had already been canceled within 30 days of purchase ). This second letter also stated that my monthly payment amount had changed to a lower amount. 

However, I am still being charged for these canceled services and I have also been notified that my account now has a past due amount and that the payment amounts that were listed in the letters that Conns XXXX XXXX  sent to me and which I relied upon to make my monthly payments were not enough. 

Conns XXXX refuses to correct their billing error and is insisting that I continue paying for a service that I had canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX i filled out a fraud affidavit for them, XXXX XXXXXXXX XXXX I filled out a fraud affidavit for them as well still reporting on my credit these are fraudulent open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter which will be attached went to Transunion, XXXX and XXXX to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XXXX XXXX XXXX Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent XXXX more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy They have no replied to my dispute its been over 30 days
Product: Mortgage

I LOST MY JOB IN XX/XX/XXXX I WAS UNABLE TO FIND A NEW JOB AND MY UNEMPLOYMENT RAN OUT IN XX/XX/XXXX. I CONTACTED RCAP AND THEY HELPED ME TO APPLY FOR THE RAFT PROGRAM. DUE TO XXXX NOT SENDING ME STATEMENTS I HAD TO CONTACT THE CFPB THE FIRST TIME. UNFORTUNATLY BY THAT TIME MY APPLICATION HAD ALREADY REACHED THE DEAD LINE AND I HAD TO REAPPLY FOR RAFT. XXXX WAS MADE AWARE OF THIS THE ENTIRE TIME YET THE ESCALATED THE MORTGAGE TO FORCLOSURE ANYWAYS. I HAVE WRITEN CONFIRMATION STATING THAT THEY NEW ABOUT THE RAFT PROGRAM AND THAT I WAS USING IT. THEY HAVE RECEIVE THE RAFT PROGRAM PAYMENT AND SENT ME CONFIRMATION STATING AS SUCH, YET I STILL HAVE NOT RECEIVED A STATEMENT ADJUSTING THE REINSTATEMENT PAYMENT FOR THE DIFFERENCE OF THE AMOUNT.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Mortgage

On XX/XX/2020 I made my usual mortgage payment. On XX/XX/2020 I made another payment plus {$200.00} towards principle. I realized that my payments had not been deducted from my checking account. Assuming that I had made a mistake, I made another payment on XX/XX/2020 plus {$200.00} towards principle and it shows that I made that payment twice on the same day which isnt even possible because of how PenFed payments are set up. I then saw a payment on XX/XX/XXXX which I did not make but it has since then been removed. My mortgage information stated that I had made the payments and that my principle had gone down yet I noticed that the payments had still not posted to my checking account. I called PenFed and the agent noted that the payment method was not my checking account number but was actually the loan number I was making payments on. ( There are two home equity loans that this is occurring. ). The agent and her supervisor could not fix the problem and I was told I would get a call back. No call back-no resolution. I continued calling and repeating the problem and continued to be told that I would get a call back. No call back-no resolution. At some point, PenFed noted that the payments were erroneous allocated and noted that the payments had been reversed ( NSF ). Then they took one of the XXXX payments and annotated a late payment. Meanwhile my interest rose to pre XX/XX/XXXX levels and the payment they took still did not get deducted from my checking account-it was deducted from the loan account! All of my previous payments and the one they took were never credited to my equity account ; it was noted that my payments were late or nonexistent. I continued to call with no resolution or call back. At times I am unable to connect to the accounts and I am not able to download any statements and the payment methods are still incorrectno one is able to fix them. Additionally, within a week, I received three statement on one of the accountsXXXX XXXX for XXXX which is not my regular payment amount due XX/XX/2020 and outstanding principle of {$150000.00}. Another on XX/XX/2020 for a payment due on {$3100.00} and principle balance on {$160000.00} due on XX/XX/2020. Another on the XX/XX/XXXX with a payment of {$1500.00} and principle balance of {$160000.00} due on XX/XX/2020. The second equity loan I only received one statement for XXXX but the principle balance has grown by a XXXX dollars +/-. As of XX/XX/XXXX the payment method on both accounts is still wrong and I can not make a payment. After many frustrating calls and no return calls or messages ( I have also sent messages to them which they have deleted ) I need assistance. For years I have worked diligently to reduce the principle and pay my loans off early only to have the interest compounded as though no payments were made. Furthermore, I have NEVER made a late payment-my payments are generally early and I had a three month buffer with no payments being duenow I have late payments and bounced checks on my record.
Product: Mortgage

I had a previous HELOC with U.S. Bank since 2018 in good standing. This year I decided to increase my line of credit and submit my application again with U.S. Bank. I did not know that by this application, my previous HELOC will be closed and a new one will be open. As a consumer, I thought this will be same as when you request to increase your credit limit on a credit card. 

During the process no one from U.S Bank ( online staff and branch staff ) explained to me that this process will close the existing HELOC. 

Now they have applied the Early Closure Fee of {$500.00}
Product: Credit reporting

Incorrect Personal information. Never had a student loan. Check DOB and ssn.
Product: Debt collection

I XXXX XXXX missed a call on XX/XX/2019 upon returning the call i was told by XXXX XXXX that if I did not settle my debt out of court or get a criminal defense attorney to contact them I would go to jail for check fraud. They seemed to have a great deal of information about me, so I agreed to out of court settlement. But the more I thought about it the less sense it made.
Product: Debt collection

I was left a voicemail stating they were a mediator and my case is in civil court so I needed to contact them immediately. Once I contacted the lady stated my court date was XX/XX/XXXX and she needed to email me the court documents. I explained I do not have a debt. for this amount or with this company and at this point she got very feisty and said she finds that hard to believe since the years were for many years. The agent kept putting me on hold and said she would send me copies of documents by email and that was a lie. The email was a notification letter to collect a debt. 
I called back and spoke to another agent who apparently lied as well by saying he would handle this and believes it might not be my debt and will get me copies of the contracts as well because I requested the proof and he also said he will keep this from the upcoming court date. This agent said he will email me proof and again all I got was a lie and a notice of an attempt to collect a debt. This agent also stated I didnt have to do anything because he was taking care of this but he lied and if I dont respond then I pass the 30 days. 
The agent I spoke to the first time I think was XXXX and the 2nd agent was XXXX XXXX. 
This is NOt my debt and I requested the original contract to prove its me!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, XXXXXXXX XXXXl account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information, no knowledge of accounts, ftc violations
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach and listed on dark web including social security numbers and all personal information.
Product: Debt collection

Account : LVNV FUNDING LLC Amount : {$440.00} Date : XX/XX/2019 Discrepancy : This debt was paid on time. It was paid in full.
Product: Credit reporting or other personal consumer reports

My identity was stolen some time ago. The credit bureaus are aware, and I have added credit freezes or instructions for them to contact me before attempting to extend lines of credit. I continuously receive updates showing inquiries into my credit made without my consent. 


I contacted XXXX, XXXX, and Transunion by mail to dispute over a year ago. 
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
Product: Credit reporting or other personal consumer reports

I switched auto insurance companies from XXXX to XXXX. When I switched to XXXX, I was asked if I wanted to have XXXX cancel my auto insurance with XXXX for me. Since that seemed like a seamless option, I opted in to have XXXX cancel my insurance with XXXX for me immediately on XX/XX/year>. I signed the required documents & XXXX was supposed to be responsible for the rest. XXXX confirms they contacted XXXX by mail but XXXX says otherwise. If XXXX wasn't able to cancel my insurance, then that shouldn't have been offered as an option to me as it seems deceptive. Now XXXX is charging me for an additional month of insurance when I already had an active insurance policy with XXXX. I did everything correctly as a consumer, but both of these companies have failed me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my Zelle failed to investigate and claim adequatetly. They informed me.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but today, there were errors that came out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The errors remained, and Im really concerned about this. I hope the documents Ive submitted will be reviewed carefully so I can stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DPED XXXX Account # XXXX, Account # XXXX, DPT EDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, Account # XXXX, XXXX  Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # 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
Product: Payday loan, title loan, or personal loan

On XXXX I got a loan for {$1000.00}. My payments were {$170.00}. I checked on line on my account after the payment was drafted out of my bank account. The monthly payment jumped up to {$330.00} due on the XXXX day of XXXX. These people are a rip off and need to be investigated. I am on a fixed income and can not pay {$330.00} a month. I only get {$1400.00} a month. Something is wrong with these people.
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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # 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.