23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got a letter in the mail from Huntington Bank about an account opened in my name and I personally never opened an account at that bank.
Product: Mortgage

My mortgage loan servicer, Ocwen Loan Servicing, has breached the forbearance agreement by changing the terms and they did not notify me. I happened to go into my account today and I see that I am delinquent when I should not be. I have been following the terms of the agreement I had agreed on for over a year now. Suddenly the payments have changed. They have increased. I was shocked to see I was still owing for XXXX. I called up to Ocwen confused as to why my payments are different now and the first agent I spoke to, XXXX, said that I was delinquent on the taxes and that the taxes 'had not been paid '. This did n't sound right ( and I later found out she was incorrect ) because Ocwen has been paying the taxes for me for years. I have been escrowed with the taxes. The agent gave me inaccurate information by continuing to assert that I was suppose to be paying the taxes. So I requested an " escalation representative '' and she transferred me to " XXXX ''. XXXX researched my account and said that no.. the previous agent was wrong. She said that Ocwen had been paying the taxes and she then said that it appeared someone had gone into the system and 'changed the agreement ' that I had agreed to in regards to the Forbearance agreement. She could n't understand why they had done this and she then transferred me to XXXX ( a home retention agent ). I asked for XXXX to remain on the line after she offered but XXXX refused to speak to me unless XXXX dropped from the line. He said his computer system would not let him even pull up my account while the Ocwen retention agent was online ( even though she had bagged out of my account ). I knew this was a lie. So at this point I told him and XXXX that this was the third or fourth time my forbearance agreement had been changed without any notification to me or consent from me. I asked her to have her manager call me. The call was concluded. The call was made on XXXX/XXXX/2015 at around XXXX XXXX. 

I have had such trouble with Ocwen. Starting from them over-billing me, Locking me out of my home and trashing my home and putting foreclosure all over my credit reports for two years when I had never been foreclosed. I have prayed for some type of relief. I thought after the previous lawsuit I had found relief. But now nothing has changed. Ocwen is back to changing agreements without notification or consent and I am now again in danger of losing my home. I pray for the CFPB to help me. Please put me in touch with an attorney. Or someone who can help me. No one cares about the little guys. No one cares about us. Please help me.
Product: Credit reporting or other personal consumer reports

I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to Trans Union that the accounts listed below do not belong to me. These accounts stem from theft resulting from the XXXX XXXX XXXX, a crime of which I am a victim. Trans Union received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Account/ Transaction/ XXXX XXXX XXXX Account XXXX XXXX Balance : $ XXXX Opened : XX/XX/XXXX Fraudulent Account/ Transaction/ Dept of Ed/XXXX/ Account # XXXX Balance XXXX XXXX XXXX XXXX XX/XX/XXXX? 
This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Trans Union to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

The debt is paid and full though several deposits of credit from my vendors to XXXX Bank. No checks have been forwarded to me nor my business as a credit, therefore was received by XXXX Bank. 

I am not aware of who this collection agency is and have never done business with them. This should be removed from all of my credit reports.
Product: Money transfer, virtual currency, or money service

Hello XXXX XXXX, I am writing to formally express my concerns regarding XXXX handling of disputes. In light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that revealed significant problems with the platform, I have been unable to resolve my claims through adequate investigation by my financial institution and Zelle. 

The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This has left users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Verification of Credit Report Accuracy Dear Experian Representative, This letter is a formal request for an accurate and complete review of the information on my credit report. Specifically, I dispute the accuracy of the information regarding the account with XXXXXXXX XXXX XXXX XXXX Account # XXXX. 

Upon reviewing the report, I found a late payment entry for XX/XX/XXXX that I believe is incorrect and possibly due to a billing error. In accordance with 15 USC 1666 of the Truth in Lending Act ( TILA ), any identified billing errors must be corrected. Legal precedent, including Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 ), reinforces the obligation of credit reporting agencies to conduct reasonable investigations and correct inaccuracies. 

As per the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standard, all reported data must be verified, factually accurate, and fully compliant. I challenge Experian to substantiate each claim related to my account by providing detailed, verified documentation. The information should meet the standards outlined in the XXXX Consumer Reporting Resource Guide ( CRRG ), which states, " Any deviation of these standards jeopardizes the integrity of the data. '' Furthermore, I am aware that Experians practices have come under scrutiny, as evidenced in the attached complaint filed by the Consumer Financial Protection Bureau ( CFPB ). The complaint outlines systemic failures, including Experians reliance on faulty dispute codes, its refusal to forward supporting documentation to furnishers, and inconsistent dispute resolution practices. These failures directly impact the accuracy of consumer reports, as demonstrated in my case.

I respectfully request that Experian : 1. Verify and provide evidence supporting the disputed late payment entry for XX/XX/XXXX. 
XXXX. Correct the report if the late payment can not be validated to reflect the account status as " paid as agreed '' or " never late. '' 3. Ensure all aspects of the reporting process comply with XXXX XXXX standards and the FCRAs requirements for accuracy, completeness, and timely resolution. 

Experian fail to comply for months, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for further investigation and resolution. 

I expect a written response sent to my address at XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Please provide a comprehensive update on the results of your reinvestigation and a detailed explanation of any actions taken. 

Thank you for your immediate attention to this matter. 

Faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX has violated my rights, This account does not belong to my name, it is listed as a corporate account, and therefore should not be on my personal credit report, is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under. 

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

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions. 


Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.
Product: Mortgage

Purchased home in XXXX. Wells Fargo Home Mortgage is the loan services. Experienced episodes of unemployment and health challenges XXXX-XXXX. Approved for loan modifications during this period. Currently in process of paying loan off after selling the property. No late payments since XXXX. However, after paying approx $ 1680/month, the principal has only reduced by $ XXXX in 3 years. Something is not calculating correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Product: Checking or savings account

I am writing to assert a serious complaint against Chase Bank for the unauthorized opening of fraudulent accounts and the mishandling of my funds. Over a year ago, a teller at Chase conducted an erroneous transaction by depositing my money into one of these fraudulent accounts. This action has not only deprived me of {$1700.00} but has also exposed me to the broader issue of illegal account activity within the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!
Product: Money transfer, virtual currency, or money service

I am writing to 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 investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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.
Product: Money transfer, virtual currency, or money service

This has been going on for the past XXXX weeks originally XXXX XXXX this company has refused to release my funds.
Product: Vehicle loan or lease

Harley Davidson Financial Services call me and my fianc multiple times a day, including Sundays at XXXX and XXXXXXXX XXXX just to tell us we are late on our payments. We know. We have spoken to HDFS and told them we were struggling to make the payments since we were hit with a pretty big financial struggle just months after buying the motorcycle. We tried to do a voluntary repossession, and HDFS would NOT allow us to do so, at which point we said, then we will pay what we can every month until we get back on our feet financially. They call REPEATEDLY from different numbers, to where I have had to block every single number associated with HDFS.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit reporting act. The List or accounts below Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1 : XXXX, 2 : XXXX XXXX, 3 : 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 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

XX/XX/2-19, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. Capital One is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. XXXX has not raised my credit score accordingly. 
All consumer fraud and violations of FCRA.
Product: Credit reporting or other personal consumer reports

Dear, Consumer Financial Protection Bureau ( CFPB ) I am writing to urgently bring to your attention the dire situation I have been enduring for over a year due to persistent inaccuracies on my credit report, stemming from the Equifax data breach. Despite my tireless efforts to rectify these errors, I have encountered continuous resistance and indifference from Equifax, exacerbating my financial distress and emotional turmoil.The Equifax data breach exposed my sensitive personal information, leaving me vulnerable to identity theft and fraudulent activity. In the aftermath of this breach, I have diligently sought to restore the integrity of my credit report and safeguard my financial well-being. However, my attempts to address these issues with XXXX have been met with systemic failure and bureaucratic inertia.Specifically, I have been relentlessly pursuing the removal of fraudulent inquiries and collection accounts erroneously attributed to me for over a year. The following inaccuracies are particularly egregious examples of XXXX 's negligence : Inquiries : Automotive : ( XXXX ) XXXX - XXXX XXXX  ( Inquiry : XXXX. XXXX, XXXX ) XXXX XXXX : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX. XXXX, XXXX ) Finance/Personal : ( XXXX ) XXXX - XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ) Bank : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX XXXX, XXXX ) Collection Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX {$860.00} {$1000.00} {$8300.00} {$670.00} $ XXXX providing extensive documentation and evidence to support my claims, XXXX has failed to take meaningful action to rectify these egregious errors. As a result, I continue to suffer severe financial hardship and endure relentless harassment from debt collectors, undermining my ability to secure housing, employment, and essential services.This prolonged ordeal has taken a significant toll on my mental and emotional well-being, as I grapple with the relentless stress and anxiety caused by the uncertainty of my financial future. It is unconscionable that I have been forced to endure such injustice and hardship for an extended period due to XXXX 's negligence and disregard for consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It May Concern : I am filing a complaint again Experian Credit Reporting Agency. I am very applauded and embarrassed. On XX/XX/2020, my place of employment reached out to me and informed me Experian mauled a copy of my credit report with my work address and listed me as the addressee. 

As long as I have been alive I have never requested Experian to mail my personal credit report to my job where my CEO opened up the mail and had it scanned to me via email. 

This is embarrassingly upsetting. I have been going back and forth with Experian to remove incorrect information off of my credit report. To think this occurred is very traumatizing and produces a lot of fear. 

I never requested or have permission to anyone to mail my personal credit report to my place of employment.
Product: Debt collection

On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX  credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have an email I saved on my phone from Kickoff dated for XXXX XXXX that I successfully closed my account. They assigned an Agreement number : XXXX and stated that KICKOFF has XXXX  out any remaining balance. It read I owed no payments.Lastly, it reported that my account would be reported as closed and to date it has not. It is showing on my XXXX and XXXX as open. It is needing corrected.
Product: Credit card or prepaid card

Barclaycard ( Barclays bank delaware ) unexpectadly cancelled my automatic payments which resulted in a late payment in XX/XX/2021. 

There was no letter or email that the automatic payments would be stopping for no reason. 

I have a 30 late payment showing for XX/XX/2021 on mycredit report that needs to be corrected.
Product: Vehicle loan or lease

My car was totalled. Was not my fault. The insurance company paid off the total amount that was left on the lease to buy contract. The amount owed to autotrakk llc was {$6900.00}. They were paid {$10000.00}. I was supposed to get the difference of {$3300.00} but now they are saying they are keeping the extra money and will not give it to me. Everyone even my insurance company is telling me they can not do this because my total amount to pay off my lease was only {$6900.00} but they will not give me my money.