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

Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXXXXXX XXXX XXXX XXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX Card via telephone after I was notified by XXXX XXXX  that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Product: Mortgage

I had a XXXX mortgage loan from GMAC that was bought over by OCWEN. OCWEN now claims that during the transition ... .I owe them one months payment because the GMAC payment was never reflected to their account. I have bank statements to prove I 've never missed a payment. They ( OCWEN ) have been constantly calling me 3 times a day ... .XXXX, XXXX, and XXXX for the last 3 months. They ( OCWEN ) have an accounting problem with GMAC and not me.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report and noticed multiple unauthorized inquiries in accordance to 15 U.S. Code 1681c-2.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/2018 balance should have been paid off. The company is XXXX XXXX. They didnt report to XXXX XXXX XXXX XXXX XXXX and experian that car was was paid in full and dispute should be off report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to experian about an incorrect inquiry on my report on XX/XX/20. It has been almost two months with no reply. FCRA states that they must respond within 30 days or the items must be removed from my report.
Product: Mortgage

I have a home mortgage with Suntrust Bank. 

They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. 

I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

When I call the callback number for their Mortgage Client Services at XXXX to talk to a representative, after collecting from me my personal information their system transfers me to a mailbox menu that requires me to know the last name or a mailbox number of the person I am calling - which I do not know - and then disconnects me without giving me any options.
Product: Debt collection

In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number. : {$280.00} In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number. : {$320.00} In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX  XXXX  Account Number. : {$460.00} In accordance with the Fair Credit Reporting Act # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX Account Number. : XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  Account # XXXX opened XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Product: Mortgage

My mortgage/escrow servicer, XXXX has failed to pay the required XXXX XXXX XXXX XXXX XXXX after repeated phone calls, faxes and two " notice of error '' mailed letters. I would like them to pay the entire XXXX amount of {$7100.00} as the first portion is already past due and I have paid 20 months ( since XX/XX/XXXX ) of ontime payments. There is a current surplus of a Escrow Account Balance of {$13000.00} ( as of XX/XX/XXXX ).
Product: Checking or savings account

In XX/XX/year>, I received a debit card from Cash App and correspondence regarding a Cash App account. This account is fraudulent and opened without my knowledge. I was in touch with Cash App Customer Service multiple times ; first via phone call, and then through email. On XX/XX/XXXX, I submitted a written request to Cash App to close the account, though a XXXX XXXX link provided by costumer service. I received no confirmation that the account was closed, and instead heard from customer service that they needed more information to confirm that the account is closed and card is deactivated. I've taken the initial steps specified by Cash App, however, now appear to be stuck in a repeating loop with customer service, despite that common sense would dictate they have all the information they need to close the fraudulent account and cancel the card.
Product: Mortgage

My Mortgage company set a property foreclosure sale for my property. My husband recently passed I am presently in processing for mortgage assistance with my mortgage company. I requested a forbearance because I had been affected by Covid-19. My mortgage company is giving me a hard time even though President Biden has signed and executive order for foreclosures to be put on hold. My property is set for foreclosure sale XXXX I need Help, I'm a XXXX XXXX.
Product: Credit card

There were to unauthorized hard inquires to my credit report. One on XX/XX/2023 and one on XX/XX/2023. This was done without my authorization nor consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you AGAIN I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00}, XXXX  XXXX Balance : {$7800.00}, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.
Product: Checking or savings account

After my account was frozen. I tried to call the number provided by Amex. After my identity is confirmed, I was told the back office has to be involved but back office was not answering the phone. I was put on hold for a very long wait until the line was cut off. The next time I called, I complained about the lack of response from the back office. I was told to leave message for them to call back which I did twice on 2 separate days without response. Finally I was able to get in touch with back office early 9 days ago. I was told it'll take 3-5 days for the funds to be sent back to unfreeze my account. I called 1 week later which was yesterday. I was told it'll be unfrozen today after the funds were transferred back yesterday. My account is still frozen today and the funds were transferred. I called again today and was told a message will be sent to whoever doing the unfreezing with no assurance that it'll be done. I have no access to my my for almost 3 weeks despite my repeated phone calls and their empty promises.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Compliance Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX   AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS
Product: Credit reporting or other personal consumer reports

Experian continues to show information on my credit report after I sent numerous items to them showing I was a victim of ID theft through numerous data breaches. I attached all the proof and even told them I wrote to each of the companies I disputed with to ask for proof of how these accounts were opened in my name. NONE of them responded with any proof and all I got is a letter saying " We understand your concerns but have not found reason this is ID theft or fraud ''. I asked THEM to produce proof of how these were opened so I can dispute factually each thing they are reporting wrong, but each company not only produces no proof, they and Experian continue to report these files on my report inaccurately. The companies in questions are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX and XXXX who not only fails to investigate, they passed this off to a XXXX party collection, blocking every attempt I make to look deeper into this. 

XXXX now makes my ability to review my files or dispute online unavailable and I can not dispute numerous items including those above. Same with XXXX. Nobody investigates properly, nobody looks into materials I have provided showing data breaches and nobody fixes my accounts
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX account # XXXX. They did not provide me with the original contract as I requested
Product: Money transfer, virtual currency, or money service

I wired $XXXX to Coinbase on XXXX XXXX. Up until today (XXXX XXXX), it never credited to my account. I sent multiple emails only to get automated reply. I called them, and waited for 90 mins without talking to any humans. I submitted IMAD reference number so they can trace that my money has been deposited to their account. I created case number #XXXX and #XXXX. However, no one from Coinbase is helping me or even trying to help me. The money is just gone.

This is a pure fraud!!
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute regarding the reporiting incorrectly of certain accounts and they have not fixed these errors after many letters sent to them. They have also sent me stall letters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

I had visited the ER because I received an injury and did not have any medical coverage or income to cover the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to XXXX  XXXX  on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them onXX/XX/2019and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank you
Product: Prepaid card

I reported fraud on XX/XX/XXXX in the amount of {$380.00}. When I reported this, I was told that a new card would be sent out and a dispute would be put in and I should receive an answer within XXXX days. I called on XX/XX/XXXX, to find out the resolution, but was told it was still under review. Come to find out that a fraud case wasn't even put in until I called on XX/XX/XXXX. However, I did not know this until further down the line. I called again on XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX only to get the same response. I was told numerous times that there wasn't an email or phone number to the fraud dept and they would be contacting me when they've reached a decision. On XX/XX/XXXX I finally got a phone number, name, and an email address to speak with the fraud department directly. I emailed them once on XX/XX/XXXX. In XXXX I emailed them on XXXX XXXX XXXX  XXXX. XX/XX/XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. A total of XXXX times. The last XXXX emails came back as mailer-daemon. In XXXX I called on XXXX XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. In XXXX I called on XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. A total of XXXX times. The name, email address and phone number I received is, XXXX XXXX. My case number is XXXX. The card number that was fraudulent was XXXX in the amount of {$380.00}.
Product: Credit card or prepaid card

I purchased a two Vanilla Gift Cards {$500.00} ( issued by XXXX and serviced by InComm ) on XXXX ( see attached " receipt1.pdf '' ). When removing the packaging for one, the terms and conditions booklet had been superglued to the card ( see " glue.jpg '' ), while the standard packaging has a movable goo. This is a clear indication that the card had been tampered with. I immediately registered the card online and set a custom pin. The next day, I tried to make a purchase with the card and it was declined after autodrained XXXX cent ( see attached " receipt2.pdf '' ). I paid the balance with another card and returned home to check what had happened. The online portal showed that a charge for {$490.00} was made the previous evening. It was listed as the having been at the same store that I had just make the purchase at, which is impossible because the gift card was in home in a locked drawer and I was present at all times. 

I returned to the store who said I had to file a dispute with the issuer. They made me wait 7 business days before filing the dispute in case the fraudulent charge " dropped off ''. When it didn't, I filed a dispute on XX/XX/XXXX  ( see attached " dispute.pdf '' ). After the full 90 days, I received a response denying my claim ( see attached " dispute_response.pdf '' ). Crucially, they claim that the card was physically present in the store when the fraudulent transaction occurred ( i.e. the XXXX charge ) but provided zero evidence. The card was not physically present when the fraudulent charge occurred -- it was in my possession at home for a short period between when I registered the card and when to the store the next day. It was only physically present in the store when the card was declined ( only XXXX cent was charged as that was the balance on the card ). 

I replied to InComm asking them to provide evidence to support their claim that the card was physically present in the store when the fraudulent charge was made ( see attached " dispute_reply.pdf '' ) They have not responded. It was now been ~3 months since I called InComm to report the fraud and I have still not received an adequate resolution. I did everything right : I immediately reported the issue to InComm and have called many times to ask for updates. After the full 90 days, InComm denied my claim without providing any evidence. I have been out of pocket for {$500.00} for over 3 months and have had to invest many hours of time trying to get access to my funds. This is very intentional behavior designed to make me ( and other customers ) give up and cut their losses.
Product: Credit reporting

I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX incorrectly listed a payment from XXXX XXXX as late that was not late due to a change in monthly due dates. I changed it from due the XXXX to due the XXXX. I noticed this in XXXX and contacted Equifax on XXXX XXXX, XXXX to remove it. The woman I spoke to in the office of consumer affairs, who was wonderful, contacted XXXX and agreed to remove it. It was never removed. I attempted to submit online so that I would have written record of my transaction. Equifax online dispute has been " temporarily suspended '' since XXXX XXXX of XXXX, when I first tried ... I have attempted about once every XXXX weeks since then. On XXXX XXXX, I mailed a letter with all information. Never received any form of reply. I even checked my spam box in email just in case. This dispute is now long past the 30 days and I would like to have this removed as it is hurting my credit score and subsequent loan rates. I feel that I have been more than patient before escalating this issue. 

Thank you for your time, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in-writing instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in-writing instructions of the consumer to whom it relates.