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

Months ago, we received a letter from XXXX XXXX XXXX XXXX that a data breach had exposed our personal information and that we were being offered " free credit monitoring '' for a year from Experian credit monitoring services. Only XXXX of us could register for the " free credit monitoring '' so we used my personal information. We are a married couple and our credit is very entertwined. So I entered all my personal information to start my " free credit monitoring! '' account with user name, password, all my information including Social Security number, email address. 
I started getting email messages nearly weekly from Experian, with the subject " Your credit information has changed '' or " activity on your credit report '' or " see the activity on your credit history '' So I log on to Experian and my account is unavailable to me. If I enter my user name and password, I get the message " no account under this name or password '' Then I try to contact Experian to see why I can not get into my " FREE CREDIT MONITORING '' and they do not reply. Ever. If I call them, they say I must mail in all kinds of personal ID etc. It's a waste of time. 
I gave up on my supposed " FREE Credit Monitoring! '' Months pass. About weekly I get those emails from Experian " Check your credit report! '' " New activity on your Credit report! " You have a new Credit report! '' Still can't log in. 
More months pass. We get a second letter from XXXX XXXX XXXX. Same as the first. THIS time we enroll my husband in the free credit monitoring. Enter all his numbers etc. I made extremely careful notes of the User name, Password. Careful. Now we are getting more and more emails " New activity on your Credit Report! '' " Log in to see the activity on your Credit Report! '' I go to log in, enter his user name and Password. get the very same message " No account under this user '' try again " Incorrect Password '' WRITE customer service at Experian. NO reply. I want to know why Experian is able to conduct this scam. They email us, but refuse to log us into our credit report. Which is supposed to be free. Experian has no intention of allowing us to get the free credit monitoring due to the XXXX XXXX XXXX breach.
Product: Credit reporting or other personal consumer reports

There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/year> Creditor : XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/year> Creditor : XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation
Product: Checking or savings account

For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$99.00} I contacted customer service to inform them of the charges taken from my account that I did not authorize where someone hacked my account, the only thing cashapp customer service said I could do was request a refund from the recipient. I told them that the recipient refuses to refund the money and I needed my money refunded immediately. They said there was nothing they could do no matter how many times I tried to dispute the payments.. 
( This was not the first incident where fraudulent charges were made on my account and cashapp refused or acted like they couldnt help me. They kept saying the only thing I could do was request a refund from the recipient. Which every time the recipient refused to refund the money back to me. ) All together Ive probably had thousands of dollars of my hard earned money stolen from my account due to their security issues.. 
-ultimately cashapp closed my account accusing me of gambling when I know without a doubt I have never used the account for that. That was one of the charges I disputed and they refused to help me dispute them. Now I dont have access to cashapp at all..
Product: Mortgage

My name is XXXX XXXX XXXX XXXX. 
My home was sold a sheriff 's auction for delinquent taxes. 
I live in XXXX XXXX, GA. 
I paid redemption and have Quick Claim deed. 
Taxes are up to date. 

I requested in writing for mortgage company, PHH mortgage loan servicing/XXXX mortgage to file claim for funds in excess to satisfy security deed. ( once in XXXX and second in XXXX ). My loan is in my maiden name XXXX XXXX XXXX. 

County states once security deed is satisfied, I can claim remaining funds minus processing fees. 

My issue is mortgage company is not filing claim for funds. Once 5 year period has lapsed, excess funds become property of the county. I will also be responsible to pay remainder on loan. 

Is there any protection as the owner has for mortgage company to make claim to the excess funds? 
Any Assistance is greatly appreciated. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against experian for inaccurately reporting my payment history. I recently obtained a copy of my credit report and discovered that it inaccurately reflects late payments on my account. Despite consistently making payments on time, my credit report incorrectly indicates that I have been late in making payments. 

The inaccurate reporting by experian has had a detrimental impact on my credit score and financial well-being. As a responsible consumer, I have diligently made all payments on time, and it is unjust for my credit report to reflect otherwise.

I request that the following actions be taken : 1. Immediate correction of my payment history to accurately reflect that I have never been late on any payments. 
XXXX. Investigation into the practices of experian to prevent such inaccuracies from occurring in the future. 
XXXX. Compensation for any damages incurred as a result of the inaccurate reporting, including any adverse effects on my credit score and financial opportunities.

I have attached documentation supporting my claim, including evidence of timely payments and copies of my credit reports indicating the inaccuracies. Attatched is my XXXX report that is reporting the payment history correctly. 

I appreciate your prompt attention to this matter and request that you investigate this complaint thoroughly. Please inform me of any further steps I need to take to resolve this issue. 

Thank you for your assistance in this matter.
Product: Debt collection

I sent a letter to Professional Finance company INC to validate an alleged debt, I requested per XXXX A copy of my signature of the alleged claim to release this information to them. They never provided me with my signature which goes against XXXX, they also disclosed a Procedure code in - nature of alleged treatment, which is a DIRECT violation of XXXX. Also the Amount of the alleged debt reports as {$610.00} and they validated a debt of {$670.00} which is different then what is actually being reported
Product: Credit reporting

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and Equifax contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.
Product: Credit card

I made an online purchase from express.com in the amount of {$480.00}. The items were delivered in 3 separate packages with 10 of my items being delivered on XX/XX/23. When I got home from work I didnt see the package on my front or back porch. I knocked on my neighbors door to see if they had grabbed my package no one saw/had the package. Looked up the proof of delivery there was no photo but it said the package was received by XXXX. ( using initials ). No one lives at my residence by that name, furthermore everyone at my address was either at work or school. I filed a missing package complaint with XXXX, tried to get a reshipment/ replacement from Express, waited 30 days for them to locate my package or get approved for a reshipment without success. Finally, I contacted Commenity Bank for assistance. After waiting an additional 90 days the bank says we cant help and we have not approved your dispute. I dispute the resolution again this time submitting all the paperwork from XXXX, receipts, and etc electronically with the same result. It can not be the expectation that the consumer should be responsible for logistical failures and for the bank to also not want to help is very disheartening. Now Im being held responsible for a purchase that I have yet to receive 5mo later!
Product: Money transfer, virtual currency, or money service

Trying to send money to a bank account, delay over XXXX hours, cant get a solution, worse service ever
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}. 

This complaint is my follow-up to give you an ultimatum to fix the listed accounts in my file
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 imes 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Mortgage

My mortgage company Select Portfolio Servicing, has been paying my property taxes late. I keep getting delinquent tax notices from the city of XXXX. My taxes are paid through escrow, so there is no way they should be late. When I called Select Portfolio Servicing to inquire, I was told by an SPS manager ( who sounded like a XXXX XXXX XXXX XXXX ) that if I wanted my taxes paid on time I should pay my taxes myself. I have never reported anyone about anything in my life, but this needs to be reported.
Product: Credit card or prepaid card

I paid for an appraisal for a home via Wells Fargo. Wells Fargo picked the appraiser, which was okay at the time. 
After 6 weeks I had yet to receive my appraisal and made a big fuss about it. A week or 2 later, an incomplete appraisal was delivered to me. It is missing the appraised value of the house and I reached out to the mortgage team who kept telling me some repairs have to be done. I kindly advised that repairs or not, the appraisal should show the value of the home at that point. 
Up until today, a completed appraisal has not been given to me. 
I have attached the appraisal I was sent and you will see the value of the surrounding homes are present. The value for my appraised property is fuzzed out.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX attorney saw pictures of the destruction and told me to file an insurance claim. 
I filed the claim in XX/XX/2021 and received an insurance check the first week in XX/XX/2021. The was in the amount of XXXX the check was signed and mailed to Carrington Mortgage Loss mit department. I called loss mit in XX/XX/2021 and asked when I would be receiving the check explaining that I need to repair the apartments so I could make the mortgage payments. I was told by loss mit I would have to have a General contractor before funds could be disbursed, I could not get a general contract to even consider working witn me for XXXX. I called loss mit every month in May when I called I wastold my check was sitting in the qeue ready to go out and that there was a XXXX threshold and the check should have been mailed, the customer service rep would have a supervisor call me, When the supervisor called. I was told I no longer needed a general contractor find license people for the job and get a w9 and send it in, By this time we're in XXXX I'm to payments behind and XXXX XXXX and no check. and going into foreclosure, now its the end of XXXX I still do not have the check or XXXX now I can not have the check until I have an inspector come out I told the loss mit person the inspector is suppose to come out when the work is almost completed. She told me she would put a note in the file and have someone get back to me. its 4 months from being a whole year I'm still trying to make motgage npayments with XXXX XXXX XXXX  and my check sitting in a queue at carrington mortgage loss mit..
Product: Mortgage

I originally closed on the mortgage in XXXX of XXXX, I was told that I have a house payment due the same month, the next month my mortgage was sold to another company and my payment was not forwarded putting me in the rears, I paid my insurance upfront for the year and set it up for annual renewal, the following year, the new mortgage company cancelled my insurance and set a high premium plan increasing my monthly mortgage, I cancelled that plan and provided new insurance. In XX/XX/XXXX, they followed this same process and setup a high premium hazard insurance plan increasing my monthly premium, I am again cancelling the insurance and providing a new policy. They are assessing me exorbitant late fees monthly. I recently received a statement saying that my house was going into foreclosure for XXXX, my house note is already XXXX. I pay my house note the last day of the month which was my agreement with the XXXX XXXX XXXX, this new mortgage company has increased my mortgage and changed due dates. I never agreed to such terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX 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

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX 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

Identity Theft Police Report attached. Credit Information still inaccurate despite advising unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed.
Product: Debt collection

I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.
Product: Credit reporting or other personal consumer reports

I have been unable to access my Equifax account or information for years now. When I try to reset my password it tells me no account exists with my email address and then when I attempt to create an account with the same email address it says I already have one. I have called Equifax numerous times and confirmed my identity with them. They tell me someone will follow up with me to resolve the issue and it has never been resolved. I need to be able to access my account.