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

1. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED
Product: Checking or savings account

I SIGNED UP FOR A ( CERTIFICATE-DEPOSIT ) ACCOUNT ON ( XXXX ) WITH THE FINANCIAL INSTITUTION CALLED SELF INC. , WHICH IS KNOWN FOR ITS CREDIT-CARD, CREDIT BUILDING, & CERTIFICATE-DEPOSIT ACCOUNTS. WHEN I SIGNED-UP FOR MY CERTIFICATE-DEPOSIT ACCOUNT, THE AGREEMENT WAS, I DEPOSIT ( {$25.00} ) A MONTH FOR 24MONTHS WHICH TOTALS ( {$600.00} ) AT THE END OF THE 24MONTH TERM-AGREEMENT THAT ENDS ( XXXX ), AFTER THEIR FEES OF ( {$79.00} ) I WOULD RECEIVE ( {$520.00} ) IN-RETURN AT THE END OF TERM AGREEMENT VIA DIRECT-DEPOSIT. AT THE END OF THE TERM AGREEMENT, I WAS SENT NOTICE VIA EMAIL ( XXXX XXXX ) THAT I COMPLETED THE XXXX TERM AGREEMENT & THAT MY ( {$520.00} ) WOULD BE DIRECT-DEPOSITED TO ME AROUND ( XXXX ) AFTER THE TERM AGREEMENT. BUT INSTEAD OF GETTING BACK MY ( {$520.00} ), THEY SUNT NOTICE TO ME THAT I WOULD NOT BE GETTING ANY OF MY DEPOSITS ( {$520.00} ) BECAUSE I HAD FEES THAT TOTALED THE WHOLE ( {$520.00} ), WHICH OF COURSE IS FALSE. THE FEES INCLUDED ; RETURN ITEM FEES, LATE FEES, & ECT. I CALLED & EMAILED THE FINANCIAL-INSTITUTION SEVERAL TIMES TO TRY TO RESOLVE THE ISSUE, BUT ALL THAT I HAVE BEEN GETTING FROM THEM IS REPEATED EMAILS THAT DOES NOT PROVE THEIR CLAIMS THAT THE FEES THEY SAY I INCURRED WERE ARE CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 3. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 4. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 8. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX 11. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Debt collection

I was looking over my credit report and noticed that there was inaccurate information and need it to be removed due to debt paid full. Listed below are the accounts that are showing inaccurate and paid in full. 
Accounts : ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX
Product: Debt collection

i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do
Product: Money transfer, virtual currency, or money service

XXXX writing to express my concerns of XXXX handling of disputes. Despite using Zelle, numerous a time and reporting discrepancies, my financial institution as well as Zelle has failed to investigate my claim adequately. I was told that recovering loss funds would be impossible, and the tracking these transactions would be unfeasible. The CFPBs findings indicates that Zelle has neglected to protect consumers, and has allowed repeat offenders to exploit the system leaving users, vulnerable to scams. This lack of transparency and accountability is unacceptable, and raises great concern about consumer safety.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX, XXXX Acct XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has had a security breach and I was affect by this security breach and my information was compromised please remove all negative remarks.
Product: Debt collection

I am the mother of the patient, XXXX XXXX. He received services at the XXXX XXXX XXXXXXXX and never received the bill because the wrong address was used. The Collection Agency, Bull City Financial Solutions at XXXX XXXX XXXX, NC Tel XXXX was incredibly rude to me and tried to tell me that payments I made were not made to them and were paid instead to the XXXX XXXX XXXX XXXX XXXX, which they were not. I tried to get the bill from them to ascertain whether they were billing accurately, but they refused to give it to me. XXXX was the agent and she kept telling me to pay the bill and would not answer my requests for information. The name of the person I was speaking to was XXXX, and she just kept getting ruder throughout the call. So I asked for a supervisor. She tried to pass me off to a friend, but I insisted on a supervisor. She said they were not there and said they would call me back. They never did. I called and tried to talk to the supervisor again, and again the person who answered was incredibly rude. I finally got through to a supervisor ( XXXX ) who told me she never got a message to call and said the record showed I was sent to a supervisor voice mail, which never happened. I then tried to get her to give me the information, but she refused citing HIPPA. I am an attorney and had my son the patient on the phone giving permission to give my records. She kept interrupting me and was incredibly rude and would not give me the information. I had already made payments which were not reflected and they changed the story so many times through the two calls that I can not get them to give me any accurate information. She was so incredibly rude and finally disconnected the call when I insisted on getting the information to show that the amounts were owed and to show the payments made. They are attempting to collect amounts not owed and are refusing to recognize payments that were made. Please help me hold these people accountable for their horrible treatment. I have never refused to pay a bill but I am owed the courtesy of knowing what the charges are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not let me get a credit freeze online. 
I was able to get a credit freeze easily online with XXXX and XXXX, but not with Experian. 
They have been harassing me with emails and tried to get me to subscribe with a monthly fee although I can legally have a credit freeze for FREE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX  {$73000.00} ; XXXX XXXX  XXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXX  Bankruptcy XXXX Dismissed ; XXXX XXXX Balance {$17000.00}
Product: Checking or savings account

XXXX XXXX, 2023 I received a notice from Wells Fargo. An unauthorized XXXX XXXX program was added to my account. The letter asked me to call and file a complaint if I didnt sign up. I called mid XXXX and was told I would receive a low payout ( that I didnt agree to ). I agreed to the maximum payout because of the fraud. I was then told that I would need to appeal it if I didnt agree to the said amount. Please help escalate this. 


Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX
Product: Credit card

I have a Fidelity credit card which I paid automatically through XXXX home banking. Without my knowledge, the Fidelity was changed to Fidelity VISA with Elan ( I 'm guessing at the name ) Financial Services. I continued to pay Fidelity, which took my money. I never received any information from Fidelity or the new service about the change. 

I continued to check my account on Fidelity 's website. It showed my balance and that I had XXXX minimum due. 

Today, I received a call from Elan collection telling me I was 30 days past due and owed them {$670.00} in payments and fees. I told them I did n't know who they were and that I would not send them money or give information to unknown callers. 

I called Fidelity. The customer service representative said she would get her supervisor and, without warning, transferred me to Elan collection. I talked to a guy who only gave his name as " XXXX '' and would n't give me a last name. He told me they had hit my credit report and I had to pay. 

I explained that I never received any statement, information about this transfer, or anything to send them my payments, that I did n't know where they were coming up with such a large amount due, and that I had paid Fidelity. 

I then went on my XXXX XXXX XXXX homebanking to find records of my payments. XXXX XXXX XXXX, without informing me, had deleted Fidelity ( XXXX XXXX XXXX ) as a payee, along with all my payment history. I can find the payments on my statements, but no longer have a payee history record. 

I told this Elan company they would have to overnight to me all the documents they were required to give me, including statements, announcements, etc, before I could pay ; that I needed to find out what Fidelity did with my payments, and that I would be registering a complaint with the CFPB on how this was handled. 

If this has happened to me -- I 'm never late on my bills -- this is likely to have happened to many others during this transfer of companies. Even if it has n't, I do n't deserve late fees, collection, the hit to my credit report, or demands for a large cash payment by a company I 've never heard of.
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 Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, DEPT OF ED/XXXX Account Number XXXX, XXXX BANK Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX, DEPT OF EDXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My Bank of America credit card ( along with two other credit cards ) was stolen and used at XXXX XXXX in a nearby city, in the amount of {$4000.00}. I was notified of suspicious activity immediately and cancelled the card. The fraud department of B of A determined it was not fraud and charged my card with the {$4000.00}. 
Those other two stolen credit cards were also used at the same time at the same XXXX XXXX for {$4000.00} each. Within ten days, both XXXX XXXX and XXXX determined that the charges were fraudulent and that I was not responsible. The letter of denial from B of A told me that I authorized the use of the B of A card. Can you help me?
Product: Mortgage

This mortgage company is the Absolute WORST company that I have ever dealth with!!! I have been going back & forth with them for 3 months regarding my Hazard Insurance on my account. I have had Hazard Ins on my account from Day one XXXX. I have supplied this information to OCWEN every year and it was NEVER an issue. OCWEN changed the requirement and I was NEVER informed. They stated that they sent a letter to me XX/XX/XXXX.I HAVE NEVER RECEIVED that until One week ago when it was emailed to me from the Executive team that I placed a complaint to. Please note that I spoke to a OCWEN representative XX/XX/XXXX and they advised that the letter was sent to another address ( NOT my address ) & they then changed my address in the account. I was Advised XX/XX/XXXX that I am now required to have Hazard Ins on " my indwelling '' of my property. I purchased the additional Ins XX/XX/XXXX when I was advised of the change and provided the Ins proof to OCWEN.This complaint is simply that OCWEN placed Hazard Ins for my Indwelling on my account and Escrowed it into my Mortgage XX/XX/XXXX and I was NOT advised or informed of this. I purchased the Ins when I was advised and WILL NOT pay for something XX/XX/XXXX When they did NOT inform me of it. XXXX managers from OCWEN advised that they were going to look into this matter and get the Placed Insurance credited and I have not had ANY resolution to this issue. I have Names & Dates of the XXXX times that I spoken to this customer to get this issue resolved and it is still Not resolved. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, XXXX  and Experian credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
Experian has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows tme-barred debts to remain on a credit report way past the seven years law allows. 
I've requested supporting documentation regarding Experian 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Product: Credit reporting or other personal consumer reports

iN ACCORDANCE WITH THE FAIR ACT CREDIT REPORTING ACT.THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTSTO PRIVACY AND CONFIDENTIALLY UNDER XXXX XXXX XXXX. XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS

I LOOKED AT MY EXPERIAN CREDIT REPORT ON XXXX XXXX AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURANCY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO XXXX XXXX XXXX(e)(b)

AND ACCORDING TO XXXX XXXX XXXX XXXX XXXX  THEY ARE SUPPOSE TO DO THIS (XXXX) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION
(A) IN GENERAL,AFTER ANY REINVESTIGATION UNDER PARAGRAPH XXXX) OF ANY INFORMATION DISPUTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my report and the company did not remove it. These accounts are not mines. I demand that the following accounts by removed. This is affecting my creditworthiness, Ive disputed these accounts and they should be removed immediately. 

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

I deposited a cashiers check today into my account and I was told by the teller my check would be on hold for 8 days when I asked why he said he doesnt know, If its a cashiers check that means the funds was already cleared so why would be held for that long. By my funds not being available thats going to cause my account to overdraft which would result in the bank charging my {$36.00} for each transaction.