23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in a Chapter XXXX bankruptcy. The Chapter XXXX Trustee has paid money to my mortgage, but the money is still sitting in a suspense account. The mortgage comapny will not allow the funds to be applied to the loan, nor will they let me make a payment to get the amount to a full payment so that it can be applied. I have about a year and a half left in my bankruptcy, so Chase will continue to earn interest off of the money I 've paid in through the bankruptcy, puls I 'll be paying extra interest on my mortgage for that entire time.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Mortgage

I got behind on my payments. I spoke to them to try to get arraignments set to get caught back up. They were very rude not wanting to work with me. I went ahead and started sending in money to try to get it caught up and they refused my payment and sent it back to me. They have contacted me at work and I explained I was not allowed to have phone calls at work. Since I have asked them to stop calling me at work they still do. If I answer they hang up with out saying anything. If a co worker answers and they transfer them to me as soon as I answer they hang up. On one occasion I was on the phone and my co worker answered and explained I was on the other line and asked to take a message. They gave there name and number and that they were calling with Kentucky Housing Corp. Now my coworker is wondering why they are calling me here at work. It was very embarrassing. Not sure how to get this to stop or how to try to get caught up if they are refusing to accept any of my payments I have tried to send in. I dread every time my phone rings at work thinking that it will be them.
Product: Debt collection

Second time complain : issue was never resolved Debt was never verified HIPPA was never received FDCPA and FCRA violation Metro-2 ans eOscar violation Please investigate this matter accordingly
Product: Credit reporting or other personal consumer reports

Equifax will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Bank account or service

I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds.
Product: Credit reporting or other personal consumer reports

The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXX ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXX .... 6 ) XXXX XXXXXXXX {$730.00} XX/XX/XXXX .... 7 ) XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX
Product: Debt collection

I have been contacted by text from 4 different numbers to collect debt from the previous owner of the phone number starting on XX/XX/XXXX, XXXX days after I got my phone number. XX/XX/XXXX I was contacted again by XXXX XXXX who encouraged me to respond to " avoid all the collection efforts on the daily basis '' and ignored the text. On XX/XX/XXXX he texted me again and I informed him he had the wrong number. On XX/XX/XXXX, I received a text from XXXX XXXX containing the full name of the debtor, threatening legal action against me and I informed him that the account holder switched numbers. On XX/XX/XXXX, I was contacted by XXXX XXXX who also threatened legal action against me.
Product: Debt collection

Southwest Credit Systems on behalf of XXXX reported derogatory collection information to the XXXX major credit bureaus XXXX of 2015. I have not had a XXXX account in approximately 5 years and believe that my account was paid in full. On XXXX/XXXX/15, I sent Southwest Credit a certified letter requesting an explanation of the charges. To date I have not heard from them. In addition, I XXXX to dispute this collection. XXXX removed the information. After filing XXXX XXXX XXXX XXXX disputes with each of them, XXXX keep insisting that the information was verified. By verified, they mean that they asked Southwest Credit if it was mine and Southwest Credit said yes. They are refusing to remove the derogatory information from my report and Southwest Credit has failed to substantiate the information.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the elimination of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the accounts listed show inaccuracies in reporting, such as incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

Money was sent from my account thru Zelle without my consent multiple times. reported as fraud.
Product: Debt collection

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists.
Product: Student loan

I allege these for-profit schools lured me as a hopeful student into enrolling in their vocational programs by promising certain careers, but only left me with substantial debt, I paid my tuition using federal loans, so not only have these schools taken advantage of me, theyve taken money from taxpayers. I was trying to better my life through education and am instead being left financially ruined. my credit score dropped over XXXX points at once due to payments all at once reporting late.
Product: Credit card

I've recently received 2 letters associated with the two accounts that are supposed to be closed, on XXXX XXXX my report shows both accounts are closed with a XXXX balance, but I have received two letters from Continental Finance Company associated with accounts ending in XXXX and XXXX, at this point I feel as thow I am being harassed and also it appears that Continental Finance Company is violating FTC XXXX XXXX and XXXX, everytime I request to speak with a Supervisor I'm denied or kept on hold for time periods past 30 minutes, also due to the nature of the associates being from XXXX, I received the impression that the representatives are being bias towards myself because I'm XXXX American.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I had six digital tokens from XXXX received between XXXX and XX/XX/2022 worth a total of {$65.00} ( XXXX {$10.00} XXXX  tokens from XXXX and one {$15.00} XXXX token from XXXX ). I had thought the tokens had one-year expiration windows, but when I went to redeem them in XX/XX/2022, I learned that they had all expired and actually had even shorter six-month expirations. 

I called the company 's customer service number on XXXX XXXX, XXXX, and was initially told that nothing could be done. The representative then said that the {$15.00} card from XXXX, which I'm guessing expired in XXXX ( XXXX months later ), could be reactivated for a {$12.00} fee, leaving {$2.00} ( that said, according to the screenshot I included, the funds were still available until XXXX XXXX, XXXX, so I'm not positive when it actually expired ). I did not accept this and instead, also on XXXX XXXX, filed a complaint with the XXXX  to XXXX / XXXX  Payments, the program manager for the prepaid cards, to raise the issue and hopefully resolve it more reasonably with the company. A number of other consumers had experienced the same issue I did ( ie, not being able to use their tokens before their expirations, and not realizing the expiration dates were so short ) and were offered one-time courtesies from the company. 

The company 's VP of Compliance has now responded to me twice via the XXXX  and stated that the terms and conditions were in the emails I received ( they were not ; I have included the token emails as attachments ) and that " We apologize but at this time we are not able to fulfill the cardholders request. '' They have not explained what criteria they use to offer some consumers " one-time courtesies '' while not offering them to others ( I have never received a one-time courtesy from the company ). The XXXX has only acted as an intermediary for sending my and the company 's responses, both of which I have rejected. I now realize that perhaps my complaint would have been better suited to the Consumer Protection Financial Bureau.
Product: Credit reporting or other personal consumer reports

I did not authorize or havin any knowledge of the following inquiries from CAPITAL ONE AUTO FINANCE ( Finance ) as it was due to identify theft the dates are as followed. 

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

I signed up for an XXXX account ( online fitness service ) with a XXXX email address. That account was canceled in XX/XX/XXXX. 

I subsequently created a new account from my work email, which was canceled on XXXX XX/XX/XXXX. The XXXX refunded me the amount, which is reflected on my capital one card. 

I then received an email that the service that I had signed up for ( on demand access ) was being discontinued on XXXX XXXX, and would no longer be offered effective XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, XXXX charged my credit card for the service that was discontinued ( their on demand access ). I immediately emailed them to request for the charge to be reversed as I no longer had an active account with them, and they were no longer offering the services anyways. 

When they refused, I filed a dispute with CapitalOne, which they promptly rejected. I then resubmitted the information XXXX and spent multiple hours on the phone with them, only to be advised that this actually fell under their fraud department 's scope. I filed a case with their fraud department, which they rejected within hours. 

I've sought the advice of an attorney who recommended that I reach out to you, as this evidence I shared with him unequivocally demonstrated that the charge was fraudulent. 

Attached you will find my cancellation for the original account. My cancellation for the second account, as well as the discontinuation notice for the service. I've also included the fraudulent charge, as well as my request for it to be reversed. I've also included the credit card statement that shows the refund in XXXX. 

Finally, attached are all the dispute responses from CapitalOne.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Debt collection

follow up of cfpb complaint XXXX I have not received anything I required of them. They closed the previous complaint before it was ever resolved. 


Get me all the information I require immediately. Do not close this complaint until I actually receive it. 

Send it to me as the actual response to this cfpb complaint -- in the PDF file attachment to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX inaccurately reports my information and does not update my record appropriately for years. I have had no derogatory issues for many years. Also have been XXXX XXXX and they do not update my account after writing to them.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCTXXXX XXXX XXXX XXXX ACCT-XXXX XXXX XXXX ACCT-XX/XX/XXXXXXXX XXXX XXXX XXXX ACCT-XXXXXX/XX/XXXXXXXX ACCT-XX/XX/XXXXXXXX XXXX XXXX ACCTXXXX XXXX XXXX XXXX ACCT-XX/XX/XXXX XXXX & XXXX ACCT-XX/XX/XXXXXXXXXX/XX/XXXX ACCTXXXX I looked at my Experian credit report on XXXXXX/XX/XXXX,2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Student loan

On XX/XX/XXXX I received notification from Navient stating that my loan was leaving forbearance and would be due in approximately 30 days. the letter was dated XX/XX/XXXX. In XXXX I received notice stating that my account was 30 days delinquent and a double payment would need to be made. I contacted navient directly and after an extended phone call including a supervisor and a representative It was agreed that there would be a payment plan of three payments to bring the account current and the delinquency notices would be stopped. this did not happen and my cosigner has told me that they are receiving calls regarding my account after my phone call and agreement with Navient and it appears that navient has also erroneously applied a payment they sent for another account to my loans instead. I was unaware of this extra payment until today, XX/XX/XXXX when I called them to ask why I received another delinquency notice today when we were on an agreed payment arrangement that was supposed to stop these communications. 

their system has had these same issues for the entire time I have been in repayment. they will send a notice that magically isn't reflected in their system, but will show that instead a statement was sent during the time the loan was on forbearance and no account payment due documents should have been generated.