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

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2019, I requested an investigation on one of my accounts that showed an erroneous payment status the last three months the account had a balance on it before it was paid in full. 

The agency corrected this error by verifying my concerns with the creditor and all payment status for this account is accurate. However, the credit reporting agency ( TU ) placed a conflicting summary ( Remark ) of the investigation on this account that could be misleading to a potential creditor. I have asked TU on two separate occasions, in XXXX and XXXX, for the Remark to read in proper context and accuracy. The current Remark reads, " DISP COMP-CONSUM DISAGRS ; CLOSED ''.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 or other personal consumer reports

I just obtained a copy of my Credit Report and noticed 3 accounts that do not belong to me. XXXX XXXX, XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX. I also see 3 hard inquiries that I did not give permission to run my credit. I have included all these accounts and the reported balances in my Identity Theft Report.
Product: Debt collection

I received a letter on XX/XX/2021 stating that I owed a debt of {$18000.00}. It also informed me that I could dispute this and request verification of the debt which I proceeded to do. A written request for validation was sent on XX/XX/2021 via certified mail. Transworld Systems Inc. received the letter on XX/XX/2021. On XX/XX/2021, I received another debt collection letter from Transworld Systems Inc. stating that I could use my stimulus check to pay them. No verification was received, and to my knowledge they can not attempt to collect on this debt until 30 days from the request for verification. They did not provide the information requested, and they attempted to collect on the debt again. No reference to the request for verification was made on the most recent letter.
Product: Checking or savings account

XXXX XXXX, XX/XX/2020XXXX XXXX XXXX XXXX GA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend : I deposited {$4000.00} in my Bank of America checking account of over 4 years on XX/XX/2020. These funds were to be used for my Pandemic relief and XXXX. After investigations I was informed that Bank America would not make the funds available to me for until XX/XX/XXXX. After numerous calls exceeding 5 and 2 disconnects I got nowhere. 

Resolution I would like immediate access to the funds and damages of {$16000.00}. 



Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  BANK OF AMERICA ROUTING XXXX ACCOUNT : CHECKING : XXXX REWARD SAVINGS : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation of not reporting 100 % accurate information. I did not receive a statement 21 days before the bill was due, constituting a billing error under 15 USC 1666b ( 4 ) ( 5 ) : XXXX XXXX Account Number XXXX
Product: Debt collection

XXXX XXXX XXXX has called my Husband and my Son looking for me. When they called me I refused to " verify '' the last four of my social security number. They claim that I took out a payday loan in 2011 from a place called Check Smart Loans over the internet. I looked up their website and it's very suspicious to me. 
Their website address is XXXX The phone number they have listed on their site is XXXX and they called me from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the Consumer Financial Protection Bureau and the credit bureaus. My husband passed away and I want to get his credit reports marked as deceased. This is harder than it should be. This is important to do to prevent people from using it. It would be nice to send the info to one credit bureau and they propagate it to the others. As it stands now, I have to send info and death certificates to all of them. Ideally, it would be nice if funeral parlors could notify the credit bureaus if the family wants them too. They notifiy social security, so why not credit bureaus too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. My complaint is regarding Victorias Secret and a denial for credit card. I received a denial letter, which I have the original documentation and pictures of it. The denial for the Victorias Secret store credit card indicates refusal of my submission for Victorias Secret credit card as No current record of completion of a 4 year college. IS THIS LEGAL? Please let me know how to move forward as I am a U.S, California born citizen, Im NOT on a school XXXX  program. How can I get denied for a Victorias Secret credit card when I have several years of work history and own my own condominium? 
Please advise @ XXXX or XXXX XXXX, XXXX XXXX in XXXX XXXX, Calif XXXX. 
Thank you, XXXX XXXX P.S. again I have photos and original documentation sent to me from Victorias Secret
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.
Product: Debt collection

I had this debt removed off my credit then the company had it put back on my credit to another debt collector, im not understanding why this is happening this need to be removed from my credit, i contacted you guys and it was removed the original bill is from ( XXXX ) communication. The first deck collector was XXXX XXXX, now they but it back on my credit with credence resource ma, i will put attachment showing different dates of them saying the account was opened plus the lease where i was staying at the time they are saying i had services at a different address..
Product: Mortgage

XXXX XXXX XXXX XXXX, New York XXXX RE : APPEAL Loan Modification - ACCOUNT NUMBER XXXX SCAMMED THROUGH XXXX XXXX XXXX, HIRED BY OCWEN LOAN SERVICING To whom it may concern : I am writing to APPEAL and in regards to a loan modification that was offered to me on XX/XX/XXXX via XXXX XXXX XXXX, a company which YOU HIRED TO FORECLOSE ON ME AND TAKE MY HOME AWAY FROM ME. 

Then on XX/XX/XXXX you send me a letter detailing the denial which states I have 30 days to appeal From the date of the XX/XX/XXXX letter. But you went ahead and started the foreclosure process already. 

I did not accept this modification because you did not do YOUR part to come up with a successful loan modification. A SUCCESSFUL LOAN MODIFICATION TO ALLOW A HOME OWNER TO STAY IN THERE HOME and A LOAN MODIFICATION THE ADHERES TO THE LAW SUIT THAT WAS SETTLED BETWEEN OCWEN AND THE CONSUMER FINANCE PROTECTION BUREAU OVER THE SUMMER OF XX/XX/XXXX. 

FIRST OFF, YOUR DENIAL FOR FUTURE MODIFICATION STATES THE ACCOUNT HOLDER WITHDREW HIS APPLICATION. I DID NOTHING OF THE SORT, I DID NOT WITHDRAW MY APPLICATION. XXXX XXXX XXXX A FIRM THAT YOU HIRED TO DO LOAN MODIFICATION REACHED OUT TO ME, I DID NOT REACH OUT TO THEM, GET THAT STRAIGHT. 

SECONDLY THEY WHERE CONTACTING ME AT MY PLACE OF EMPLOYMENT WHICH IS AGAINST THE LAW. WHY WOULD YOU HIRE OR WORK WITH THIS XXXX XXXX COMPANY AS XXXX XXXX XXXX AND HARRASS HOME OWNERES AT THERE PLACE OF EMPLOYMENT. 

I WAS XXXX XXXX SCAMMED BY OCWEN BECAUSE EVERYTHING THAT I HAVE READ ABOUT XXXX XXXX XXXX STATES THEY WORK WITH OCWEN IN MODIFING HOME LOANS. 

AMOUNGST ALL THE OTHER ILLEGAL PRACTICES YOUR FIRM DOES YOU HIRE XXXX XXXX XXXX TO DO YOUR LOAN MODIFICATIONS FOR YOU. THIS NEEDS TO BE LOOKED INTO BY THE CONSUMER FINANCE PROTECTION BUREAU AND AGAIN ANOTHER LAW SUITE AGAINST OCWEN. I REFUSE TO LOOSE MY HOME AND PROPERTY AGAINST THE XXXX XXXX LIKE OCWEN AND XXXX XXXX XXXX.

YES TAKE THIS AS AN APPEAL AND THIS APPEAL WILL BE FILED WITH THE CONSUMER FINANCE PROTECTION BUREAU ASASP. 

CFPB NEEDS TO SHUT XXXX LIKE YOU DOWN. Thank you Regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX, my dad filled out a scam email that appeared to be from Citibank. He provided account information that was used by the scammer to initiate 4 unauthorized wire transfers ( of {$79000.00} each ) totaling to {$310000.00} out of his account. We were made aware XX/XX/XXXX that this happened and told the bank immediately that it was fraud. 

We did not receive a decision from Citibank until 7 months later, telling us that they can not give us the money back. They failed to inform us in a timely manner and when my dad went to the bank to try to report it, an employee thought the email was real and told him not to. We have tried appealing this over and over with no luck.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was still reporting negative accounts as open with balances saying XXXX when they were included in bankruptcy. I submitted a dispute to Transunion with information to submit the case as being in bankruptcy they reopened a closed account and reported and then disputed it as included in bankruptcy which caused a 55 point loss in my credit score. The also refused to report an open credit card on my. This credit agency has violated my rights as a customer.
Product: Checking or savings account

My account was closed because of fund.. I went through the process had a police report and all they was charging me over draft fees and I had to pay the money back with I didn't get
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a chase credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.
Product: Debt collection

On Thursday, XX/XX/XXXX at XXXX, I received a call from XXXX XXXX of XXXX. " This call is in reference to a formal complaint that has been processed to my office for final actions to be made ''. " Please be advised there is a limited time for me to send out my recommendation regarding this matter ''. " This complaint concerns yourself and the property located at and verified at gave property address ''. It is imperative that you get in contact with the office by the end of the business day. That number is XXXX XXXX XXXX At XXXX I called the number and spoke with XXXX XXXX, Consumers First Management Group who advised me that I owed XXXX {$1800.00} for a loan that I took out XX/XX/XXXX in Virginia. He stated that they were going to place a lien against the property and provided me with a discovery #. I advised him that the social security number he provided was not mine ( but it was ) and to this he stated that " if it is not yours then you have nothing to worry about '' and " they gave you a favorable credit rating on your credit report ''. I told him that I did not borrow any money nor were there any CIT Banks in VA. He told me to call the bank. 
I looked up the bank and the closest one to me was in NJ at XXXX and the security guard answered the phone and told me that the bank was closed. As soon as I hung up, my sister called me from out of stat and stated that someone had called her to accept a package on my behalf and she was concerned as to how they got her telephone number and refused to accept anything on my behalf. 
This morning XXXX from XXXX called from the number of XXXX XXXX XXXX and ask that I give her a call back at XXXX XXXX XXXX or XXXX ( call was muffled at this point ) Reference Number XXXX. 
At this point, I am so confused and concerned. I notified my bank and I will reach out to the credit bureaus to advise them of what is going on. Please help me.
Product: Credit card or prepaid card

When the account was under XXXXXXXX XXXX, all payments were automatic and over the minimum amount. When the account was sold and switched in XX/XX/2022, they were not able to access my old account for some reason to show proof of my payments. The minimum jumped from less than {$100.00} to over {$300.00} and my automatic payments were not covering it. I called to figure out why the minimum payment jumped up so much and I guess they did not honor my promotional XXXX from the account I actually signed up for, and decided to charge it all at once in a single month. I joined a hardship payment plan/program that the representative assured me would make it so my payments were not late and it would be acceptable to pay less than the past due balance. Though conveniently, I can not access my account records that show this. 
I used debt consolidation services to work out an agreement, which is paid every month and theyre still reporting late payments. Essentially, I have been paying dutifully every single month, and they refused to lower my payments or register my COVID hardship program.
Product: Mortgage

I am under the impression from my mortgage that someone attempted to purchase my home fraudulently or barrier home ( s ) attached to my probate within this mortgage XXXX XXXX XXXX. I have a mortgage so these people ( actors ) can not steal my home and mortgage ( probate ) as they did in Delaware using fraud. The XXXX law firm was involved in these fraudulent practices in Delaware. My probate is from XXXX probate presented XXXX overseas never received alerted of it just recently and asked for a copy from the city. I was a minor in the XXXX XXXX and was XXXX. My ex husband died in XXXX and I never authorized XXXX XXXX XXXX or his XXXX any authority or amendments to the probate. I do not have any XXXX and I am the sole probate holder born XXXX XXXX XXXX no I am not affiliated with any actors. Actually was married in XXXX and my name became XXXX XXXX. I was defrauded of my finances in XXXX by a XXXX of XXXX XXXX tricking me into a divorce. They supplied me with none of my finances and XXXX law firm fraudulently took the home and barrier home ( XXXX ) and properties as well in Delaware. My original mortgage is from XXXX Bank XXXX XXXX, XXXX. This account mortgage was sold to XXXX XXXX XXXX where it stayed for years being juggled through different accounts within XXXX XXXX XXXX. In XXXX XXXX, XXXX I set up for my current mortgage that it was sold to M & T Bank. I believe the fraud is in each time my mortgage was sold these actors fraudulently set-up mortgages on their homes to buy them ( their homes ) and to receive government funds that I never allocated to these premises. Due to the nature of these claims I need the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX staff to be notified and request that this individual has no affiliations with the acting community or the XXXX law firm.
Product: Credit reporting or other personal consumer reports

XXXX hard credit pull from experian by XXXX XXXX. This was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the wrong information for XXXX for the month of XX/XX/2020 as 30 days late in which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXXXXXX XXXX XXXX : {$0.00}, XXXX XXXX XX/XX/, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : {$4300.00}
Product: Debt collection

XX/XX/XXXX I received a Summons for none payment totally {$6200.00} from a collection agency. I was given so many days to respond. I called agency on XX/XX/XXXX and set up a payment plan to satisfy my debt. I would pay {$220.00} by the XXXX of every month until debt was satisfied. I received paperwork to fax or mail back I did both to ensure paperwork got to them. I paid three months of payments on time each month. On XX/XX/XXXX I received my paycheck and I had a garnishment applied to my wages from that collection agency. I called agency immediately, I spoke with a supervisor. He informed they had made several errors and he would " e-file '' the court to have them fix it. The judgment was for the full amount of {$6200.00} and my bank account had a freeze on it. At no time did this agency inform me while making my monthly payments of any impending judgments against me. Total payments taken from this agency was {$450.00}, the last payment did not go thru due to my bank levy. The {$450.00} was not included onto my total amount due in the courts final judgment. Total judgment was {$6200.00}. I feel this is a deceptive practice and negligence on their part. I complied with the agreement and they did n't and neglected to tell me anything about my account each month. I called on XX/XX/XXXX and made the payment, the representative neglected to tell me they had placed a hold on my bank account on XX/XX/XXXX. I still have the garnishment, the agency assured they would take of this immediately. That was onXX/XX/XXXX it is now XX/XX/XXXX bank account still has the levy on it and I am expecting to still have my wages garnished for several more pay checks due to the lack of response from this agency. The finance dept. of my employer said it takes several pay periods for this to be corrected. Only after receiving the courts paperwork to fix the problem. I called the court on XX/XX/XXXX they had not received anything from agency.
Product: Student loan

My late son had me co-sign for his student loan a few years ago. He died in an accident XXXX XXXX in XXXX New York. I informed Navient and made some payments. Late 2018 Navient informed me that they would satisfy the loan with a one time payment of about XXXX dollars. I mailed them the check and about a month later they returned the money noting an overpayment. However my credit report shows a student loan balance of XXXX XXXX dollars. I notified Navient and the three credit reporting agencies and provided a copy of my sons death certificate. The reporting agencies show an active account when in fact the loan should be paid off and closed out. This negative information is affecting my overall credit scores.