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

I had to hire a credit repair company to work with numerous creditors due to identity theft issue. These creditors were unable to provide valid information and now these accounts have gone to third parties for debt collection. Again I requested validation and have been unable to obtain debt validation. I then decided to reach out to all three credit reporting agencies to inform them of the issue along with supporting documentation. Unfortunately, All I get from the credit reporting agencies are emails stating that the incorrect information would continue to stay on my credit report. I ask that my credit report be corrected. All information has been submitted to them numerous times for each of these accounts. I am at a loss as to what additional information I should submit in order to correct the issue. I am asking for help from the CFPB to correct my information. I have a attached one of the many letters I have sent to Experian as well as XXXX and XXXX as a sample of the type of information I have requested from several of these creditors. As additional information I have included my CORRECT AND COMPLETE NAME and REPORT NUMBER : XXXX XXXX ; Report # : XXXX
Product: Bank account or service

XX/XX/XXXX, I fell victim to an e-check scam. USAA Federal Savings Bank assumed I was part of it. After 19 years, they assumed I was a criminal. 

The scam started on XX/XX/XXXX. A person claiming to be from the human resources department at the XXXX XXXX contacted me. She said I was shortlisted to interview for an available position based on my talent.hubstaff.com resume. I did n't recall applying for the company. However, after an exhaustive year looking for a permanent position, I let this slide, along with her XXXX address. 

I followed the instructions, and used my XXXX address to contact a supposed XXXX XXXX Hiring Manager via XXXX. This did not appear out of the ordinary. In looking for remote work, other companies mention XXXX for communicating with virtual staff. The hiring manager said to meet her at XXXX PST the next day. 

We met as scheduled on XXXX. She told me more about the Content Manager position and the XXXX XXXX. The job description was comparable to other companies and her details of the XXXX XXXX matched the company 's website. Then, she asked several interview questions. I assumed this was the first stage, so I did n't find it odd. When she came back 25 minutes later and said I had the job, I was incredibly shocked. Even the most menial remote position had steps. Nonetheless, I allowed myself to believe it was true. 

She asked me to verify full name, provide my address and began to discuss payroll. This is how she learned I banked with USAA. 

We met back on XXXX on XX/XX/XXXX. Around XXXX, I received an email from a supposed XXXX XXXX supervisor, complete with a XXXX-page offer letter, company code of conduct, XXXX and XXXX forms. About an hour later, I received the email with an e-check for {$4800.00} to buy my laptop from an approved vendor. I was to deposit the check using a mobile app. 

Since they were giving me money, not requesting money, I was n't suspicious. Plus, I 'd been using mobile banking for years. I took a photo of the front, the back, then made it to the verification screen. It stated {$200.00} would be made available immediately, and the remainder in 7 days. Still believing it was a legitimate job, I did NOT press submit. I thought the long hold would delay training. However, USAA Federal Savings Bank ceased doing business me within an hour. When I asked for an explanation, the manager alluded to fraud, yet would not provide specifics. 

Luckily, a XXXX search lead me to an article that exposed the full scam before I completed those " new employee '' forms. I told the fake hiring manager I would not be moving forward and blocked her on XXXX. I saved all correspondence for reference. In addition, I filed a complaint with the FTC, and notified XXXX support so others might be protected. 

Meanwhile, my relationship with USAA Federal Savings Bank is a nightmare. I never received anything in writing, so the only way to learn about this process is by calling. What 's more, the empathy and information vary each time. From what I 've gathered, my account is in credit-only status. It will be cashed out 60 days from XX/XX/XXXX, and the fraud department 's decision is final.
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 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. 


XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX ....
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. 
Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), where the court emphasized that debt collectors must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since the first week of XX/XX/year>, I have requesting in excess of 3 times via mail and at least once via phone of each credit reporting agency to correct my name and address. I have sent in via the U.S. Postal Service proof of my identification including my driver 's license, my social security card and the first page of a recent bank statement in an effort to correct the problem. I have even spoken at least via phone with each credit reporting agency regarding this issue, requesting that my name be corrected to XXXX XXXX XXXX XXXX that my address be corrected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that my phone number to corrected to XXXX and that all information that does not match the aforementioned be deleted. Sadly, my efforts have been mainly fruitless.
Product: Debt collection

I had a derogatory mark appear on my credit report on the XXXX of XXXX, XXXX from Sequium Asset Solution. Looking into it further, I saw the collection was opened on XX/XX/XXXX, over two months ago, giving them plenty of time to try contacting me, but this is the first time I saw anything about this. Seeing as the original creditor was XXXX, I immediately knew this was identity theft, as the last time I had an account with XXXX was in XX/XX/XXXX, before I sold my house and moved. I already started a dispute with XXXX, and I am filling this out, which I hope is the FTC report they were referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian continues to report XXXX XXXX XXXX account ( XXXX it was charged off and sold XX/XX/2009 it is passs the statue to report.
Product: Mortgage

My Mortgage company has been Freedom Mortgage for a few years, ive had so many issues with my Escrow payments and adjustments. I have to call in daily just to check and make sure the balances are correct. This year Of XXXX XXXX XXXX XXXX I sent extra every month to my Escrow to make sure i had enough to pay taxes. 
I sent between XXXX XXXX XXXX  extra. With the {$120.00} from mortgage Escrow The total came out to be {$1900.00}. Freedom Mortgage kept {$900.00} of it and sent back {$1000.00}, Freedom sent me a paper in the mail XX/XX/XXXX that stated my mortgage went up from {$730.00} to {$740.00} to current statement amount of {$770.00}. The reason it went up Freedom Mortgage said i didn't have enough in my Escrow. XXXX Chief Deputy Commissioner of the Revenue said she sent Freedom Mortgage the tax paper XX/XX/XXXX for this year of XXXX stating i was exempt i qualify for XXXX based on city ordinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then refaxed my taxes papers on XXXX through XXXX, Freedom mortgage kept giving me the run around said i had to wait 1-3 days until they received and they never contacted me. I later called back up to Freedom Mortgage talked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time i call back they give me anew person and when i present the recent ID number they say that person doesn't exists. They owe me {$400.00} and have not resolved the issue no matter how many times i call up there, they are rude Freedom mortgage gives me the run around all the time and i just want them to make my balance right and i feel that im being scammed out money from catching them this time my payments are wrong, there sending me my Escrow back and then trying to raise my mortgage when they had the money. XXXX from Freedom Mortgage told me if i send them more money they would just send it back to me and persisted on arguing with me. Im a XXXX XXXX XXXX women and im tired of them scamming me, they have been doing this for awhile and this time around im keeping my receipts and staying on top of them because i sent extra in my escrow because i want to keep my taxes down they have not been doing right by me.
Product: Checking or savings account

I recently initiated a bill pay transaction on my Chase checking account it was on XXXX XXXX on XXXX XXXX I realized instead of sending the payment to capital one I sent it to credit one my mistake however I called the bank on the XXXX to do a stop payment and they refused to do it when I call credit one they tell me to do a stop payment or dispute the charge with my bank so now my {$50.00} is in limbo and no one will help I dont quite understand why Chase is not doing this for me especially since I notified them rather quickly the credit one account is closed so its a problem I just want my {$50.00} back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  SNAAC tradeline was deleted from credit report
Product: Credit reporting

I 'm noticed on my credit report that I have multiple credit cards that show the same balance as well as a XXXX bill that I did not sign up for. I believe this items on my credit report are negatively impacting my credit and I want to dispute them. There should only be XXXX credit card by XXXX XXXX.
Product: Credit reporting

Not a duplicate. Must be delivered to each Credit Reporting Agency. On XX/XX/2017 I disputed an erroneous account appearing on my credit report. See CFPB case # XXXX. The line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my Equifax credit report.
Product: Payday loan, title loan, or personal loan

I bought a furniture from XXXX XXXX in XXXX XXXX for {$2200.00} and Synchrony bank provided a financing option which was 0 % promotional for 24 months. We were provided instructions by the bank on how to setup the payment etc and we followed that. The website showed an option of automatic payment and we selected the option without realizing that those automatic payments were not " equal payments '' but rather " minimum payments ''. The website didnt give an option for " equal payments '' which most of the other finance companies in this domain do. 

Fast forward XXXX we realize that the bank charged us {$1300.00} in XXXX after the end of 24 months period. And when we tried to get the explanation we were told that we were charged interest from day 1 because we missed to complete our payments of {$2200.00} in 24 months. They explained their business model which relies on such missed payments beyond the promotional period. 

We want to complain about this business practice of Synchrony bank. They are intentionally scamming uneducated people by not providing equal payment options on their website. Further, they are charging an interest from Day 1 even though most of the payment was made in the 24 months. Any financial bank charges interest on left over amount whereas Synchrony is intentionally charging from Day 1 just because they wrote in a small font size terms and conditions on the letter provided.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX  XXXX not mine/inaccurate XXXX  XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine/inaccurate XXXX XXXX XXXX/XXXX  XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine
Product: Debt collection

I had a credit card with Capital One in XX/XX/XXXX-XX/XX/XXXX, due to the many outrageous charges from the bank, I disputed it. Then the bank charged it off and bought by collection companies. It has been resold to four different collection agencies, XXXX XXXX, XXXX, XXXX, and now back to XXXX XXXX again. XXXX XXXX says it will stay on my credit report until XX/XX/XXXX. That is over 14 years when it should have come off in XX/XX/XXXX. This has been resold several times. It is illegal. It has destroyed my credit and continues to do so everyday.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995 ), you may be liable for your willful non-compliance.
Product: Mortgage

I am a mortgage banker at XXXX XXXX  in the XXXX, GA office. I am having a problem with the company, Bayview loan Servicing LLC. To make a long story short, my client purchased a mobile home with land from the executors of the Estate of XXXX XXXX XXXX and the Estate of XXXX XXXX XXXX on XX/XX/2019. The address of the property is XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. My client did not want to retire the title so we have been waiting on this company to release the title since this past XXXX. The company will not speak to me but they will speak to one of the executors. They have told the executor that they mailed the title to the office of the closing attorney ( XXXX XXXX in XXXX Ga ). The also informed the executor to not call them back. Mr. XXXX has not received the title and informed me to file a complaint. The phone number I have to the company is XXXX, but there is a different phone number for them online. The loan # is XXXX. All we need if for them to release the title so my client can apply for a new one. I would appreciate any assistance you can give me on this matter. Please let me know if you need any additional information.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation. 

I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.
Product: Credit reporting or other personal consumer reports

I have requested, more than once, that all three major Consumer Reporting companies delete all old mailing address from my consumer report. Neither XXXX, XXXX, or TransUnion have complied and shall do so according to Section 605 ( h ) ( 1 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently check my credit report and seen that the following account XXXX was on my report. I never had an account with XXXX XXXX  there fore its a result of fraud. Its hindering me from purchasing a house. Would like this account removed as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue.

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.
Product: Checking or savings account

I submitted claim XXXX and received a call from Wells Fargo but I can not access their response via this portal. Furthermore, they sited terms and conditions but I do not have proof that they have the proper consumer signature. There was a fraudulent check written from this account and deposited by someone. Responses are not satisfactory.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit handling significant issues with the platform. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : 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

Yesterday, XX/XX/XXXX, I tried to apply for a credit card from Chase Bank, because when I opened the XXXX  portal, an advertisement appeared indicating that I was Approved to obtain a credit card, which would undoubtedly increase my credit. But I was denied, resulting in an impact on my credit score. I need help to have this removed from my credit report, because I have worked hard to improve my credit to be able to purchase a home, and that is why I fell for what I think is this deceptive offer to obtain a new credit card from Chase Bank that would increase my credit score. I am coming to you, because through the XXXX or XXXX portal it does not allow me to make the dispute online and I need this to be resolved as soon as possible, since I am looking to obtain my house. Thank you for your attention.