23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I emailed all the documents that were required TWICE TO nations direct. not FAXING EMAILING, and received confirmation that they received the documents, yet instead of processing my file, they keep sending me letteres they are missing documents, which THEY CAN NOT be since I emailed it to them. 

You can not get thru on the telephone to LOSS MITIGATION due to COVID 19 to speak with anyone. Please help and intervene
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX  multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX XXXX {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. XXXX XXXX did not credit my account until XXXX. 
I have provided my bank statement to XXXX XXXX proving the funds have been received by XXXX XXXX on XX/XX/XXXX. XXXX XXXX statements confirm the payment was made on XXXX, but they will not remove the late payment from the three credit bureaus. It is the only mark against my credit. 
I have contacted the three credit bureaus on XX/XX/XXXX with a copy to XXXX XXXX  to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not XXXX XXXX ) that XXXX XXXX dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with XXXX XXXX today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.
Product: Credit card or prepaid card

On XX/XX/2022, I received an alert from my credit monitoring services ( XXXX ) advising me that a new inquiry was placed on my credit report. Upon reaching out to them and then reaching out to DISCOVER while in conference call. It was determined a fraudulent credit card application was submitted and approved in my name for the amount of {$6000.00} USD. DISCOVER went ahead and cancelled the account and informed me that the card application came from a offer via mail. They said they were closing the account and the card wouldn't be shipped out since we caught it in time. It's worth mentioning this is the second time a similar incident happens with my identity and the same bank. The first time, a checking account was opened in my name a few years back. 
XXXX Theft case # XXXX.
Product: Credit reporting or other personal consumer reports

This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. Auto Now Financial Services is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Auto Now Financial Services the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Any and all consent to XXXX, XXXX XXXX Auto Now Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked. Auto Now Financial Services Never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 anteaters the report by more than seven years. '' 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services. Due to XXXX and XXXX not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a AFFIDAVIT OF DEBT VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by XXXX  I am not refusing to pay debt I am simply asking for proof of claim
Product: Checking or savings account

Im trying to use my debit card while travelling but the bank locked my card and I called them to unlock something they are refussing to do it.

They sent me a code to my phone and I never receive, but the sms code to access online banking I receive that whithout any problem
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed off a letter to all XXXX credit agencies. Within the letter I asked them specifically to investigate many accounts and made them aware of the inaccuracies. I also asked them to remove many of the hard inquiries for a specific date as its related to the same issue and the laws state I can only have XXXX hard inquiry affect me when its for the same usage, in this case it was car shopping. Today marks the XXXX day since I sent the letters which is in regulation with the FCRA time frame. I received letters from XXXX and XXXX stating everything was complete. After receiving these letters, I checked my credit report and still found several inaccuracies. This is willful noncompliance. According to the FCRA any inaccuracies should be corrected or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
Product: Mortgage

I was approved for a Forbearance XX/XX/XXXX. I was on the Forbearance for 3 Months. I made my Escrow Payment all 3 months as not to be short at the end of the Forbearance. After the 3 Months was up I was told that My Forbearance was invalid because the Forbearance program ended on XX/XX/XXXX. I was also told that I was enrolled into a XXXXXXXX XXXX XXXXXXXX XXXX. That also was not true. Now I'm told that I have to do a Loan Mod. This is going to Increase my interest rate. I can not afford this increase. I feel that it was not my fault that the Mortgage Co Enrolled me into a Forbearance Program that had already ended. I feel at this time I should be allowed to do the XXXX XXXX XXXX just as they Promised They would. Not My Fault. I did everything that was asked of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Product: Credit reporting

my wallet was stolen XXXX and now I think thieves are opening accounts with my information because I am having trouble check my credit report. please help
Product: Debt collection

I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount {$310.00}. Please provide contracts, copies of actual bills and a copy of Transworld to legally bound to collect anything on behalf of this account -I do not believe this account belongs to me-
Product: Credit reporting 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 accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX Balance {$990.00} DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I Can see Activity In My XXXX XXXX  That I Applied For The XXXX  XXXX XXXX  XXXX Credit Card. But I Did Not Applied for Any Card I only Have Two Cards with XXXX  XXXX XXXX  No Other Card. And It's a Hard Inquiry. May be someone use My Identity. Because I called XXXX XXXX XXXX  and they said they can not see any new account open. please Check what is going on. Because I am worried. My credit Score is very good right I do not loose my score because I am planning to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I submitted affidavits to Experian. They blocked the item from my report. Nearly 2 years later they reinserted the information. I have sent multiple affidavits to Experian as they claim they did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, XXXX, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the XXXX XXXX  you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Product: Credit reporting or other personal consumer reports

Today, I found unapproved inquiries on my credit report, and I have no idea why theyre there. I checked my credit report like I always do, and this time, new discrepancies caught me off guard. Even after refreshing my browser, they didn't disappear. I'm asking that the documents I submitted be thoroughly reviewed to prevent this from happening again, as this issue has been highly stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and XXXX XXXX but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is XXXX Account # XXXX the balance is reporting as {$5300.00}.
Product: Money transfer, virtual currency, or money service

I am writting 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 times and reporting discrepancies, my financial institution and zelle failed to invastigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicates that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the syatem, leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises seriuos concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are in violation of my rights. The credit bureaus TransUnion XXXX XXXX have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. XXXX. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? TransUnion XXXX and XXXX is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXX XXXX XXXX Account number XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

My house caught fire and burned down on XX/XX/2021. My insurance company XXXX paid for the damage to my home and it was placed into an escrow account monitored by Mr. Cooper. I unfortunately was paid an initial amount out of the insurance funds which was stolen by the contractor. I have since accumulated the funds to get the house underway and have attempted to get additional insurance funds being held in the escrow account to continue with rebuilding my home. Mr. Cooper has repeatedly made false statements, inconsistent statement and blatantly stalled providing any further funds to me for my home. They reported one inspection of the home was at 10 % completion and needed to be at 25 %. On the second inspection they said my home was at 1 % completed. How can you unbuild a home? It has 4 outside walls, a roof, floors, interior walls, windows, doors and a full basement with poured concrete. Countless hours have been spent on the phone getting understand what they are doing and why no monies can be released which is hoping up the progress on my home be finished.
Product: Debt collection

Dealing with Real Time Resolution has call again today XXXX and yesterday. They call claim I owe money for tuition to XXXX XXXX  XXXX. The amount is about {$280.00}. I finished attending XXXX XX/XX/XXXX. 

I have finished paying my student loans through garnishment this XX/XX/XXXX, where it was also noticed I overpaid by {$2000.00} and reimbursed me. 

I have told them this and they continue to tell me they have no record. I have requested them to mail me the information, they have said they have, yet still haven't seen a letter. 

Since they don't seem eager to send me information I am feeling it's more a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not mine ; It is a FCRA violation XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Paid off : XXXX % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$63.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX % XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX. 
{$790.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX Paid off : XXXX % XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX  received a phone call that I could not take on my cell phone because I was at work. In the meantime they contacted my parents, not sure how they got the number because I have nothing that ties me to them for XXXX  years. My XXXX  call was on XX/XX/year> at XXXX XXXX  that I declined due to being at work. Then I get a message from my parents that this gentlemen called them asking how to get a hold of me. They said they would get in touch with me and I would call him back. I did during my lunch time at XXXX XXXX  on XX/XX/year>. Finding out he was trying to collect for a medical bill in the amount of {$910.00} said was in collections. I proceeded to ask about why and how he came about to call my parents. He advised he was trying to get in touch with me and he will use whatever means. I advised not to call my XXXX XXXX XXXX father again and he stated now that he talked to me he would not do that again. Today XX/XX/year>, I again could not answer my phone at XXXX XXXX  due to working, he immediately contact my parents again. I didn't even know at that time due to calling him back at my break at XXXX XXXX  on XX/XX/year> to advise of my record showing payment. He said how to update my records. I then get a message from my parents he called again. I called back to this gentleman at XXXX XXXX  advising I was going to log a complaint.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT Accounts and XXXX increase off my credit profile from XXXX Equifax and XXXX XXXX immediately! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card with Bank Of America. On XXXX XXXX, I received a letter from Bank of America stating I needed to contact the credit bureau agency XXXX to ensure the information contained in my consumer statement was accurate The information that needed corrected was for my phone number to be added to the fraud alert. 
I reached out to XXXX for the request to add my contact number to the fraud alert. I was told by XXXX that my contact number was added I called back Bank Of American and I was told they would need to pull my credit to check. After it was pulled I was told my contact number was not added fraud alert and needed to called back XXXX. I called back XXXX and they told be I had to speak to the dispute department to add of which I did. After I was told it was added I called back Bank of America to informed them my contact number was added. I was told my credit will need to be pulled again. After it was pulled I was told my application was denied due to recent inquiries on my credit report. This is discriminative and I am very unhappy with the reason for the denial since 3 of the inquires was for the Bank of America credit card application
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/year> XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX Request for Compliance FCRA 15 U.S.C. 1681i & Inaccurate Information on Credit Report Dear XXXX, I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a dispute I filed with your agency. Upon reviewing my credit report, I have found that certain items have not been properly handled in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I believe these matters require immediate attention. 

As a consumer reporting agency, XXXX is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling XXXX please help me This are accounts Are fraudulent.