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

So, here 's the rundown. You know that Fair Credit Reporting Act ( 15 USC 1681 section 602a )? Apparently, it tells consumer reporting agencies to play nice, be fair, and respect our privacy. Well, as the consumer, I threw my weight around, reminding them of my rights under 15 USC 6801 Congress insists financial institutions keep their hands off our private info. Now, there's this thing about entities feeding info to credit agencies, calling them " financial institutions. '' Supposedly, they're supposed to follow rules. According to 15 USC 1681 section 604a ( 2 ), if a consumer like me gives written instructions, they can dish out a consumer report. But, here 's the twist the financial institution and the big names, credit bureaus never bothered to get my written consent. So, consider any kind of consent, whether it was spoken, gestured, or whatever, totally cancelled by yours truly. Now, about these big shots not bothering to tell me about my right to shut them down thanks a lot, 15 USC 6802 ( b ) ( c ). All 3 bureaus thought it was cool to toss negative items on my credit report without my say-so, which, surprise, surprise, is against 15 USC 1681C ( a ) ( 5 ). Hold on, it gets better Section 1681s2 ( A ) ( 1 ) A of the U.S. Code screams, " Dont give false info to consumer reporting agencies. '' But XXXX and Experian missed the memo and are breaking the rule. And then there's 15 U.S. Code 1681e, saying every consumer reporting agency should have their act together with " reasonable procedures. '' They're not really following these supposed " reasonable procedures. '' Last but not least, 12 CFR 1016.7 says I can slam the door shut on their reporting services whenever I want and guess what? I'm slamming it shut now. So, these guys better fix things fast, or they're in for a legal storm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from 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 accounts and information 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 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 identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My mortgage on my home in the state of Illinois was discharged via Chapter XXXX, the lender at the time was XXXX XXXX XXXX. I never reaffirmed the home, I have received a loan modification, XXXX to be exact but NEVER reaffirmed or refinanced the mortgage loan. On my credit report is has always showed a closed real estate account with a XXXX balance due to the debt being discharged in the bankruptcy. My husband and I divorced, I managethe home as a rental property, the mortgage is not current due to a problem paying tenant. the home mortgage has been sold to Ditech Financial in recent months, they have began reporting this on my credit report and I have not refinanced or reaffirmed the mortgage with them either so how is this possible? This is truly damaging my credit and I would like it removed. I tried to get a modification through DITECH and was denied, I asked for a repayment plan but what they offered was ridiculous for my situation, they asked for {$1000.00} a month in addition to the current mortgage and so I am in the process of either doing a short sale, deed in lieu or simply walking away. Since technically I am not liable for this debt any longer as a result of the CHAPTER XXXX, this should not be reporting on my credit.
Product: Debt collection

Hello, I have this auto debt on my c redit from Chase auto in a collection status. Chase auto has reported on my credit and it has effected me getting qualified for a Va Home lo an.   In the month of  XXXX    XXXX   I was trying to open a bank account with  XXXX   XXXX   XXXX   XXXX  but was denied due to bad debt. So after obtaining my credit report in  XXXX    XXXX   I saw this alleged account on my report.   On  XXXX   XXXX    XXXX   I wrote to cha se (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AZ  XXXX  ) auto finance asking for the amount owed on this account, and offered to settle this account in exchange for the original instrument of indebtedness in its original form. I heard no responsefrom this letter.   I waited till  XXXX   XXXX    XXXX   to write chase auto again. On that day i offered again to settle the account in exchange for the original instrument of indebtedness in its original form. If no responsewas received by  XXXX   XXXX    XXXX   I wouldhave considered the account legally and financially settled.   I have recently received a phone call  from Chase  on  XXXX   XXXX    XXXX   during my work hours where in my letter on  XXXX   XXXX  I requested no telephone communication be done only mail.  Chase auto has not provided me any contract with my signature on it in accordance with the UCC article 3 Part 4 which they assume I am liable this de bt and currently still report it in erroneous on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was XXXX and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from XXXX XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, Equifax, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX  XXXX XXXX.
Product: Mortgage

Hello, I am writing with hopes that you may help to resolve this problem. My husband and I applied for Bankruptcy in XXXX  due to our unfortunate circumstances. Citibank was one of the debts that was included in the Bankruptcy. Currently we are trying to sell our home and when the bank ordered a Title Report, the report included Citibank as an issue. I reached out to Citibank in an email, because that was what I was directed to do after I made a phone call to them. I was then instructed, by Citibank to write a letter to Citibank and state what my issues were and how I can settle with them for a Lien release. I offered them {$3000.00} for the release and I havent heard from them since. I would like to resolve this issue with them but I feel that they are not interested. I tried to call them and when I spoke with someone at Citibank recently they told me that it looks like this account was discharged from their system and then told me to start over again with the exact information I sent them in the first place. I feel they are delaying me and putting me in a perpetual circle of not being able to complete this issue. I will include all documentation for you to see. Also, this debt was already discharged in our bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY REVIEWED MY EXPERIAN, XXXX XXXX AND XXXX XXXX REPORT AND SEE THERE ARE UNAUTHORIZED INQUIRIE I DID NOT INITIATE NOR DID I BENEFIT FROM ANY OF THEM THE INQUIRIES LISTED ON THE REPORTS ARE FRAUDULENT THE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ON MY CREDIT REPORT THEIRS AN ITEM REPORTING INACCURATE AND IS FRAUD I AM A VICTIM XXXX DATA BREACH IDENTITY THEFT AND MY INFORMATION WAS COMPROMISED I HAVE A CREDITOR # XXXX XXXX XXXX  ACCOUNT # XXXX ON MY XXXX REPORT I HAVE BEEN DISPUTING IT OVER 10 TIMES OR MORE OVER A YEAR NOW I HAVE MY CERTIFY RECIEPTS FOR PROVE AND THEY WON'T REMOVE IT. I DISCIDED TO MAKE A COMPLAIN DUE TO AM FRAUSTRATED, EMOTIONAL AND DISTREST BY THE SYSTUATION AND I HAVE BEEN DISPUTING IT OVER 10 TIME OR MORE, PLEASE I NEED HELP IN THIS MATTER I ALSO DISPUTED IT WITH THE CREDITOR AND I NEVER RECIEVE A RESPOND SO IT NEED TO BE REMOVE.
Product: Checking or savings account

I received notice by my bank of suspicious activity this was done only after bank released funds to company who did not have authorization. I notified bank, bank informed me they would only reimbursement me the full amount only if i made contact with company for the amount and if successful I would be reimbursed in full by Wells Fargo, well I did make contact with the proprietor to no avail, could not be reached or not available So pretty much I lost close to {$300.00} + I feel the bank should be accountable since they released funds not knowing if authorized, and I'm notified after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

Good morning, 4 years ago we bought our 1st home through FHA, late in life, I am XXXX my husband is XXXX and on XXXX due to a XXXX XXXX, We went through a loan modification with our 1st company OCWIN, we were approved for a permanent modification, they tacked on XXXX to the back of our mortgage which seems to be SOP, After paying the new rate for several months our mortgage was sold to XXXX XXXX XXXX ( ... this 2nd company refused to honor the modification and charged us XXXX XXXX dollars in escrow they said we owed, I cant understand that because we were current with all payments to OCWIN > Soon after we paid the XXXX they sold our mortgage to another company XXXX. ( this 3rd company also refuses to honor the commitment. <P/>I have been in contact with all these mortgage companies, i have all the relevant paperwork which has been sent to each company more than once. I have talked to their representatives several times by telephone. They dont even try to resolve the issue.. What happened to my escrow money? why is the XXXX still on the back of my loan and the permanent modification is not being honored? We are in severe financial hardship due to the reprehensible practices of these mortgage companies ... Thank you for your time and please help us sincerely XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies are in Violation of Privacy Act of 1974 The law says it is illegal to report transaction history 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit report-ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting or other personal consumer reports

i moved out of an apartments ' in XXXX in XXXX XXXX in XX/XX/XXXX to wrote me that am owing {$510.00} after several talk they throw it into my record. in XX/XX/XXXX i paid the money in full to avoid bad record. i got a receipt from XXXX XXXX XXXX that my debt is settled in full. in XX/XX/XXXX i received another alert that my account is flag for collection from collectech by the same appartment people. i moved out of XXXX in XX/XX/XXXX to XXXX i don't have any other deal with this people since then. 

please note that this apartments was named XXXX XXXX later it was change to XXXX XXXX later the management of XXXXXXXX XXXX XXXXs bought XXXXXXXX XXXX and it was changed to XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXXXXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I was notified by Experian of a new hard inquiry on my credit report. I clicked on to see what has changed. It showed information that I have no knowledge of nor did I apply for a new credit card!! Someone used my information to apply for a XXXX credit card! I called XXXX XXXX XXXX and made a complaint in regards of this as well as to file a dispute. I was told by XXXX that no card has been issued which was a sign of relief. They documented on their end, and told me to call Experian since Experian is who they deal with. I tried calling Experian on Saturday, XX/XX/XXXX, but was not able to get a hold of anyone due to being a weekend. I would like to make a complaint and file for a dispute being that I did not apply for a new credit card!!!
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 time and reporting discrepancies, financial institute and Zelle failed to investigate my claim adequately. They informed me that tracking these transactions was recovering lost funds was impossible and tracking these transactions was unfeasibly. CFPBs finding indicates that zelle has not only neglected to protect consumers but 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 consumers safety.
Product: Prepaid card

XXXX XXXX Reported a fraudulent charge on my account. Asked for a new card to be issued. Card never received. 
XXXX XXXX XX/XX/XXXX : requested 3 more cards all which were shipped to address that was not mine and charges continued. Bank of America never blocked any transactions event though I told them I did not have a card and I had no access to account. 
Was told that claims would handle it just to continue to report charges that were not made by me. 
XX/XX/XXXX : Bank of America would no longer discuss account with me because they could not verify ID. 
XX/XX/XXXX : was finally able to prove identity to regain access to account. Claims were instantly denied. Stated I had not provided any new evidence, so I completed another police report about the charges and provided that to bank of america, also went to bank of america location and provided proof of residency via USPS confirmation letters to prove I was not at location cards were being issued to. Have fax confirmation from location that all forms were received and attachedbto claim. 
XXXX XXXX XX/XX/XXXX claims closed multiple times because no new evidence denied hardship but reimbursed international ATM fees on som e charges. Claims denied due to not all transactions after XX/XX/XXXX ' were included in original claims. 
XX/XX/XXXX ' - contacted bank of america to see why claims were denied this time and spent 3 hours with an agent opening 2 more claims for transactions other customer service reps had missed in initial claims. The next day all three claims denied for no new evidence. I explained what more can I provide I have filed police report, proof that cards were not being mailed to me and all they say is it shows a trend in spending, even though they are aware it wasn't me spending. Bank of America states they had no idea this was happening but I have a letter from them reimbursing original claims from XX/XX/XXXX. State that I did not due diligence for claims and they have no record even though cards were being issued. I said that's stupid why would I request a new card if I hadn't filed a claim. Bank of America is still in XXXX denying my claim even though my account was XXXX liability if reported within that statement time which I did and have documents to prove. Total claims over XXXX by their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also 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

I have sent out the bankruptcy letter to XXXX and Equifaxs to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted Equifaxs delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for Equifaxs told me on the XX/XX/XXXX they will delet public record never done it
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax 's www.equifaxsecurity2017.com/XXXX site, some of my information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX. '' I am not interested in enrolling in XXXX XXXX with the company who allowed my information to be stolen in the first place, especially in light of reports that the TOS for XXXX XXXX  requires that I waive my right to sue Equifax over the compromised information. In my opinion, Equifax has handled this situation poorly.