23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There was a problem with my escrow account beginning XXXX. I was charged twice for insurance. There were additional escrow problems at that time as well. I have spoken to this company many times, and all conversations have been recorded. Every time I get things straightened out, the system never picks up the changes that need to be implemented. XXXX XXXX one of their representatives recently requested that a manager call me, however they never called, but ; they did notify me that they are reporting me for a late payment that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY DISPUTE! UNITED STATES BANKRUPTCY ( CASE NO.XXXX ) WITH TRANSUNION AND IN RESPONSE THEY VERIFIED THIS PUBLIC RECORD AS ACCURATE STATING THAT THEY HAVE VERIFIED WITH THE XXXX XXXX XXXX CALIFORNIA COURT . I CONTACTED THE COURT AND THEY BY LAW DO NOT VERIFY ANY RECORDS WITH ANY 3RD PARTY VENDORS. SUCH AS TRANSUNION A CREDIT REPORTING AGENCY.IT IS CLEAR THE COURTS DO NOT REPORT TO TRANSUNION! THEREFORE TRANSUNION INITIAL RESPONSE VERIFYING CASE NO.XXXX WAS EITHER AN ERROR OR A LIE ... EITHER WAY REQUIREMENTS TO NOT COMPLY WITH FCRA 611 ( 15 U.S.C.16811 ) AND THIS PUBLIC RECORD MUST BE DELETED! ENCLOSED YOU WILL FIND A LETTER OF WITHDRAWAL FROM UNITED STATES BANKRUPTCY COURT. AND INFORMATION FROM XXXX XXXX THAT I DON'T HAVE ANY PUBLIC RECORDS!..
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED ** ( XXXX Inquiry XX/XX/XXXX ) XXXX Inquiry XX/XX/XXXX
Product: Debt collection

I received a voicemail today from FFR ( First Financial Resources ) calling about a debt. I don't have any debt, so I called right away and was told they were calling about someone else 's debt but would not give me any other information besides a name. The rep said, " this must be your mother or sister? '' She was wrong, it is not, and it is completely inappropriate to contact people other than the debt holder. I asked how she got my number, she said that she had several numbers to call to reach this person but couldn't discuss it with me since I am not on the account. I asked how she got MY name if I'm not affiliated with the debt? She refused to answer me and hung up on me. I called back to ask more questions and she hung up on me again.
Product: Credit reporting or other personal consumer reports

After review of my credit report. I have found these inquires are not mines and are fraud. Please remove these fraudulent inquires. 

XXXX XXXX ( Auto ) XX/XX/year>2025 XXXX XXXX ( Auto ) XX/XX/year>2025 XXXX XX/XX/year>2025 XXXX XXXX XXXXXX/XX/year>2025 XXXX XXXX XX/XX/year>2025 XXXX  XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XX/XX/year>2025 2025
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

HelloI have several hard inquiries showing on my credit report that were both authorized by me. I am seeing a total of XXXX on my XXXX XXXX and XXXX on my XXXX..at this time Im not sure how many XXXX is showing but Im sure there are someI would like these to be removed as quickly as possibly as I have other plans use my credit in the immediate futurethank you very much.
Product: Checking or savings account

My name is XXXX XXXX on XX/XX/year> I called Truist bank fraud dept and told that I had been scammed by someone posing as an employer. They sent me a mobile check for equipment I needed for the job .I had deposited the mobile check into my business account. They put a 10 day hold on the check. A week later on XX/XX/XXXX I was informed all my accounts had been frozen and no one could tell me what happened to the my social security check and unemployment checks which were supposed to be deposited on the XXXX by ach. I received a letter in mail stating that had the right to close my accounts without giving me notice. Fine but tell me what happen to my money. The social security administration stated the check had been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Debt collection

On XX/XX/XXXX, I was contacted by a collection agency called, Advantage Group, XXXX, in XXXX, New Mexico. The call was in regards to what they said was XXXX outstanding debts. The first debt was from XXXX XXXX ( XXXX, NM ) for {$49.00}, for date of service on XX/XX/XXXX.The second debt was from XXXX XXXX ( XXXX, NM ) for {$45.00}, for date of service XX/XX/XXXX. I was not given any type of claim or reference number for these accounts from this collection agency. After a brief conversation with a woman at this collection agency I called my insurance company, XXXX XXXX, and the XXXX XXXX XXXX Department. After further investigation, XXXX informed me that the bill in question to XXXX XXXX was paid in full on XX/XX/XXXX, Claim # XXXX. XXXX XXXX XXXX stated my account had a zero balance and the debt had been paid on XX/XX/XXXX in the amount of {$45.00} on Acct # XXXX. I am not sure if this Advantage Group is legitimate or not, however, they certainly are living up to their name of taking advantage of unsuspecting people. I live off XXXX and a small government pension. I am appalled that this or any other company of this nature preys upon people. If it has happened to me how many others has it happened to. In spite of my health conditions, I understand how insurance works as I am retired from XXXX after nearly 40 years, of which over XXXX was served as a XXXX at the XXXX, NM XXXX XXXX XXXX. This fraud must be investigated so that others, especially the elderly, will not be taken advantage of by this or any other company of this sort in the future.
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from XXXX says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get XXXX credit report or Equifax credit report don't know why. Because these are free to receive every week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXXXXXX XXXX  had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXXXXXX XXXX continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. Equifax is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. XXXX  has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both Equifax and XXXX won't remove the fraudulent address from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, XXXX XXXX and Equifax involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.
Product: Money transfer, virtual currency, or money service

I have multiple transactions that the receivers refunded on cash app and I have not received the money on my debit card. I have contacted cash app more than ten times and advised the money would be credited to my payment method within 2-5 business days. Its been 11 business days. 

Transactions expecting refunds XX/XX/XXXX at XXXX XXXX for {$50.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX for {$40.00} XX/XX/XXXX at XXXX XXXX to XXXX for {$40.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX for {$40.00} XX/XX/XXXX at XXXX to XXXX {$42.00} XX/XX/XXXX at XXXX XXXX  to XXXX - {$30.00} XX/XX/XXXX at XXXXXXXX XXXX another to XXXX - {$30.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX {$35.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX - {$50.00} XX/XX/XXXX to XXXX for {$20.00} XX/XX/XXXX to XXXX - {$22.00} XX/XX/XXXX at XXXX to XXXX - {$22.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX - {$100.00} XX/XX/XXXX to XXXX - {$100.00} XX/XX/XXXX to XXXX {$78.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian XXXX  or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX 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: Debt collection

The debt that was owed by XXXX XXXX XXXX is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from XXXX XXXX  that the letter in the mail states that all items should be deleted but have not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXXXXXX XXXX XXXX Account # 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 XXXXXXXX All these accounts have violated my rights. 

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

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

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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Checking or savings account

I just moved into the United States and got my new phone number few weeks ago. Ive been owning a Citibank account since 2016 because I was an international student in the US at that time. However I went back to my country for personal reason and I came back to the US this XXXX. However Citibank locked my account and said they didnt trust my new phone number and asked me to provide another valid US number that is also under my name. Otherwise they wont be able to verify me so I couldnt log into my account and using my money. The truth is I dont have another phone number and I wont buy one just for this reason. Secondly Im living in XXXX right now so there is no Citibank branch in this area and I wont fly to another state to find a Citi branch just for this issue because this is not my fault.
Product: Checking or savings account

Apparently capitol one 's website and app is having technical difficulties which has delayed my direct deposit and I have bill on auto draft and now may geXXXX XXXX Fees. I need to know when this will be resolved asap. These bills won't wait!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan

I submitted a complaint against this lender. I am NOT in default of the loan. My due date is not until Friday XXXX. I am getting harassing emails stating that I am in default as my " last payment '' was not able to be processed. This is untrue. My last payment was XXXX and has cleared my bank account.
Product: Credit reporting or other personal consumer reports

I am listing XXXX fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/year>. XXXX  XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Student loan

Navient is so confusing to deal with and they seem dishonest. I have applied for Income Driven Repayment for the last few years. Each year, I receive multiple conflicting emails and notices via their website that I have different amounts due. And it seems that my balance due NEVER goes down and I am only paying on the interest. I was in forbearance for a long time but now it seems I am not making any headway on the payments I have made. I am constantly fighting with Navient over their lack of timely response and truth in what I am to pay every month. I have attached emails, the statement page that shows on their website today, and the IDR emails that they have sent. I need a straight answer and help. I have been paying in a timely manner and my payments were never stopped due to the COVID protocols in the last two years.
Product: Mortgage

We had autopay set up with United Wholesale mortgage. In XXXX of 2021 we contacted UWM and needed to change banks for auto pay. We walked through changing bank information with representative at UWM. In XX/XX/2021 and she said we were all set. We received a US postal default notice from UWM ( first and only notice ). We immediately contacted UWM and they had no answer for why the auto pay did not work with the new bank. After some review they noticed that all the banking information - account number and routing number- were correct. They found that my wife 's middle name was not on the auto pay request and that was given as the reason why it may have been rejected. The representative stated he did not now why the auto pay did not work because all the other information was correct. We corrected and added my wife 's middle name and all subsequent payments have been made successfully. We disputed this with XXXX ( we have membership with them ) and they attempted to resolve the issue and may have reduced the default remark to a 30 day late pay on my credit score. My excellent credit score of XXXX was reduced to XXXX and currently stands there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that the address that they are reporting on my credit file does not belong to me. They opened a dispute and said it could take up to 30 days. Well i got an email on XX/XX/18 that the dispute was complete. However the address still show on my credit report.
Product: Credit card

On XX/XX/2023 I made 2 authorized purchases through XXXXXXXX XXXX XXXXXXXX XXXX for the amount of {$140.00}. 

A few days later when I checked my bank statement, I noticed that there were fraudulent charges by a similar company called XXXX '. 
After I noticed that there were over XXXX charges ranging from $ XXXX {$3000.00} for a total amount of {$11000.00}, I instantly called chase bank to report those charges as fraud. 
After talking to a fraud specialist, they stated that the charges would be reversed back into my account because I didn't authorize them. 

Chase bank did reverse all the charges in XXXX. 

Then, a few months later, Chase charged my account again for ALL the fraud charges saying that I was responsible to pay for all of them. 

When I contacted them, The fraud department stated that they received an invoice from the fraudulent company " XXXX XXXX' with my name, email, and phone numbers-which is all public information. The invoice did not have any of the company 's information, except a non-working telephone number. 

I spoke to XXXX XXXX fraud department manager ) on XX/XX/2023. He stated that after further investigation, I was at fault for the fraud charges. I clearly asked him, what specific documents could I get in order to prove that I did not authorize those charges. He went on to say " I DON'T KNOW ''. 
I asked to escalate my claim and speak to HIS manager and XXXX said " I could only speak to ONE manager a day ''. I tried to call several times after this initial call and everyone I spoke to said they could not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has ignored my request for investigating and removing accounts on my reports... I am demanding that changes be made as disputes are proven to show errors on accounts and need to be deleted