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

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started the process to attempt to resolve with the company. Keeping the CFPB in the loop.
Product: Money transfer, virtual currency, or money service

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

Unauthorized inquiries that were not made by me.
Product: Credit reporting or other personal consumer reports

Im submitting today a complaint 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have denied account opening due to Chex system Reporting on my name.

Chex system Reporting my Credit Score XXXX - I have ask Chex system how they calculated my credit score since I have never been late in any payment and never had insufficient fund and bounce check or return check due to insufficient fund in my account.

I believe Chex system is wrongly calculating and reporting Consumer Score on my name. 
I have been trying to get this information, but I have not received any information how and why Chex system is reporting only XXXX Consumer Credit Score. 

Chex System does not have any phone number where i can talk and resolve this issue and online inquiry they just can not follow my request and answer what i an asking to them.
Product: Debt collection

I noticed on my credit report that I had a collection added from the company NATIONWIDE RECOVERY SYS. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I also noticed that the original company came from XXXX XXXX which made me even more confused considering I send them money every month and have yet to receive any type of updated bill or receipts in regards to the alleged amount owed.
Product: Student loan

My spouse is an XXXX XXXX XXXX XXXX, and I am in the process of seeking a reduction in the interest rates on my student loan. This loan was obtained prior to his enlistment in the XXXX XXXX. However, Sallie Mae is unwilling to cooperate, citing that my spouse is not the co-signer. According to legal regulations, spouses are protected under the Servicemembers Civil Relief Act ( SCRA ), which extends these protections irrespective of co-signer status.
Product: Credit card or prepaid card

On XX/XX/2022 a charge for the amount of {$360.00} was done on my credit card after my wallet was lost I reported the problem to the credit card company they gave me a temporary credit that they took back claiming that I did do this transaction, they stated that they sent a text message to my cell phone witch I never received I sent them a screenshot of all the messages received on my phone as well as a copy of my cell phone bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # 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: Credit card or prepaid card

In XXXX of XXXX I was at a night club. I paid for and signed a legitimate bill for approximately $ XXXX.After I  left the club, there was a second, unauthorized bill that my card was used for, approximately {$700.00}. 

I filed a dispute and My fraud claim was denied repeatedly because Bank of America said that the club had my signature. Of course they had my signature, they forged it on the second bill using the first bill that I signed. I refused to pay the {$700.00} and closed my account. 

I wrote letters to Bank of America, the credit agencies, but to no avail. 

In XXXX of XXXX my credit score fell 50 points, referencing this unpaid bill from XXXX. The agencies Are penalizing me twice for a bill that was fraudulent on the first place.
Product: Credit reporting or other personal consumer reports

In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Our mortgage is currently in forbearance according to the CARES Act. On the very day our forbearance started on XX/XX/XXXX, our mortgage company ( Movement mortgage ) transferred it to a new sub-servicing company that is in charge of processing payments. They also changed our loan number. It appears as if they are playing musical chairs with loans and knowingly causing more stress and confusion to their customers during this difficult time. In dealing with  this new company ( XXXX XXXX ) we have been giving a myriad of a

nswers and explanations stating that we are under forbearance, then loss mitigation, and now its in their collections department. Our loan was never in default and the status was current prior to asking for forbearance. We dont understand why its in their collections department. Contrary to the Cares Act, we have been told that we must report to
them every 3 months with a 15 day approval process to continue forbearance. Isnt this a violation of the enacted law? They have also sent us documentation that we have not signed that appears to
shorten the forbearance period. Isnt the length of forbearance 180 days according to the Cares Act with one allowed extension for another 180 days? Their representatives swing from being semi-helpful to aggressive and rude. They also appear to provide misleading information that they may be using to dissuade customers from remaining in forbearance when its truly needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I found out recently that there is an account being reported on my credit that I did not consent to or was notified about this account is also not a credit transaction and is not allowed to be on my credit report I have attempted several times to dispute this with experian and XXXX but they ignore my disputes and update the account with more false information such as addresses and debt amount.
Product: Vehicle loan or lease

I have a dilemma and don't know what to do. Looking for your help. I applied for a mortgage and my lender told me my credit score was XXXX. He noticed I have an account from Ally that is reporting car loan 30 days late from XXXX last year. I have documentation that proves its not correct. I called them and they agree so I try to get rescore with my lender. The lender gets their credit company to call Ally to verify and they tell credit reporting company different story. I get on the phone with lender and Ally and here 's the story. 


I contacted Ally last year in XXXX to do some type of split payment agreement due to just starting my job. They told me on the phone that in order for it to take place, I need to receive documentation from them and send in {$99.00}. The rep told me and my lender I sent in the {$99.00} on XXXX at XXXX before they sent out the contract agreement at XXXX. So they counted that payment towards prior agreement and not for new agreement thus I was late! They are going to do investigation but it takes 45 days and they don't guarantee anything. I am appalled that this has happened to me because they never sent anything afterwards notifying me that the arrangement didn't go through and that I was late. They also sent me a payment history and it shows I wasn't late. According to my lender, having a 30 day late payment severely drops your credit score if it is within 1 year! 

Trying to do the right things but being punished because I sent in monies early instead of not sending, is absurd. I can not get a mortgage because my score is below standard credit scores because of this! Please help me!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thru XXXX, it was suggested I obtain a copy of my credit report from TransUnion, which I did online. I disputed one entry which is under {$69.00} because I believe it is a duplication. I got an email today from TransUnion stating they had completed their investigation and I could view the results by logging in. Using the data I had set up, XXXX with password XXXX, I attempted to do this, only to be told my creds were invalid. Tried again, same thing. Site suggested " maybe your login is your email address '' so I tried that, with the same results. Went back to the email to respond, only to find out it's a do-not-respond. Got a customer service phone number, called, gave every scrap of identifying info the woman asked for, only to find she was submitting this as a new dispute. This was after trying to explain I was not disputing the entire bill from XXXX ; just the duplication. At some point, after the 8th time she asked what I was calling about, I was yelling the spelling of " duplication. '' She just didn't understand. Evidently it's not in her script. It was painfully obvious I was reaching another country. She finally asked me why I was calling, and I said to her, " I'm calling for the results of the dispute. I told you this in the very beginning! '' And that's when she told me ... '' I'm sorry, but we're not permitted to give you the results over the phone. '' I called her an XXXX, and she responded with " yes. '' Evidently that word isn't in her script, either. After 20 minutes of research on the web, I finally found the corporate phone number for TransUnion in XXXX ( they are very, very well hidden. You look for them and you get opportunities to deal with XXXX, XXXX XXXX, etc. ) I called it. It rang twice then went to a busy signal. Given that XXXX  is one hour behind me, there should have been someone there. I called another number in the entry for Customer Service ; different from the one I previously called. Again, I get a lady with an accent. I asked her what part of the world I'm reaching. She very helpfully said, " This is TransUnion Customer Service. '' I said, " I know that. What zip code are you in? '' She said, " We're not permitted to tell you but I can tell you we are offshore. '' I said, " No offense, sweetheart, but I need to talk to someone whose mother tongue is English. I can't go through this again, '' and bid her a good day. Our credit reports are in the hands of people who live offshore and really don't understand English all that well. I am starting to understand how all this fraud takes place in XXXX. It's simple ... they go to work for a credit bureau, then sell the information to their brother-in-law. And it has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, at XXXX XXXX, I placed an 8 minute call to XXXX XXXX XXXX ( XXXX ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the XXXX rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid XXXX XXXX XXXX - ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had XXXX exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/XXXX. Without collection authority, XXXX had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX, I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my free credit report and it is showing an inquiry on my credit report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive level. After a review and despite the amount was in dispute and finally corrected  they continue to report it as a negatively on my credit report.
Product: Checking or savings account

My tax return was deposited into a credit karma spend account that credit karma closed and they moved my money to a save account. Credit karma wont let me change or add another bank account to transfer the funds and I have tried to close the account and get a paper check mailed to me for XXXX XXXX!!! I keep calling and I have been told so many things and I have done everything that they have asked me to do and they still have not mailed my money!!! My kids and I are XXXX and I need my money and I have told them this repeatedly!!! My XXXX that we XXXX XXXX is about to be taken away and they still wont send my money so I can pay it!!! I need my money over night mailed to the address on file, I NEED MY MONEY OUT OF MY ACCOUNT!!!
Product: Mortgage

XXXX Ocwen confiscated our XXXX Insurance check paid to us for damages incurred on our property. As homeowners, our mortgage is with XXXX which includes escrow account. XXXX XXXX made all checks payable us and XXXX, that make payments through our escrow account. When we initially send checks to Ocwen to endorse, they send it back insisting the new policy and IRS requirements is for all homeowners to endorse insurance check to the company to deposit into homeowners mortgage accounts for tax purposes. Unknowingly, we affixed our signatures and mailed the checks to them. After inquiring about the information given by Ocwen was not the facts, but them pulling mortgage fraud. We proceeded to inquired about everything. They proceeded to give us the run for XXXX and half month. The contractor pulled from our repairs due to nonpayment because Ocwen. We called Ocwen several times just be given the run around. Last when I called treating to report their action to law and newspapers about our lost, we received a call from them Ocwen, stating they mail checks to us yesterday with USPS, giving tracking number. Today I called Ocwen account information to check on our account, the automated system, acknowledged payments from us for total amount of our insurance claimed checks and also Informed us when our next monthly payments is due. This has prompted us to bring this matter to your attention. We are kindly requesting a complete investigation on our behalf in this important matters. XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ga
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report tonight, and I have no clue how they got there. I routinely check my credit report, but this time, unexpected discrepancies popped up. I even tried refreshing the page, thinking it might be a glitch, but the errors were still there. I'm now requesting that the documents I've provided be carefully reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/ that this account was opened a result of identity theft and this person pretended to be me along with making payments on this account. This has greatly impacted my credit score along with me getting a job, a vehicle and a home as I have been homeless for a year as a result of a job loss in which I was unable to pay my expenses. I have no family nor friends for support, I have been disowned by my family for my XXXX XXXX which has resulted in me being on my own since the age of XXXX, I have no friends due to my XXXX XXXX, money problems and I was taken advantage. This situation has caused a lot financial distress/hardship, mental anguish and multiple XXXX XXXX and I just want this to be over so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.
Product: Mortgage

We feel Financial Freedom ( a division of CIT Bank, N.A. ) neglected to inform us ( during our loan workout effort ) that they are not required to conform to Consumer Financial Protection Bureau ( CFPB ) regulations regarding " Dual Tracking '' in the foreclosure context. Other types of mortgage lenders are not allowed to pursue foreclosure while simultaneously considering delinquent loan mitigation. Because these CFPB " Dual Tracking '' regulations supposedly do not pertain to reverse mortgages, our home was suddenly foreclosed on during the final stage of a " Loan Rescue Program '' through the Step Forward Michigan Hardest-Hit Fund. We were in the " Underwriting '' stage where Step Forward requests default payoff balances from Financial Freedom ( a participating Step Forward partner ) when Financial Freedom proceeded with the unfortunate Sheriff sale to XXXX XXXX for {$120000.00}. 
We know both parties have had communication in regard to our Step Forward Michigan CASE and that the servicer can not start the foreclosure process if loss mitigation is pending, but they did. They should have agreed to a settlement of our {$6300.00} delinquent account, but because of Financial Freedoms noncompliance with CFPB " Dual Tracking '' rules, we lost our home through this deception.