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

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00}
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 erroneous 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 Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3600.00} XXXX XXXX : {$0.00}
Product: Mortgage

I sent a complaint to your agency over 3 years ago about the wrongful foreclosure of my father 's property in  XXXX    XXXX   by Ocwen mortgage, failed to hear anything from your agency. This was our family home for over 50 years. My father was in my care as he had developed an illness that prevented him from caring for himself. He lost this home in a foreclosure that was unjust. Payments that were not credited, no information when the loan was sold to Ocwen. Please let me hear something in this matter. We provided you loan numbers and lenders, dates etc. in the original complaint. His name is  XXXX   XXXX   XXXX , the property location was  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . This was traumatic for my Dad and then not to hear anything on the complaint for over 3 years is very troubling.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference XXXX My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. 

I have all the evidence attached below
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have 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 an 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian - XXXX XXXX, Auto XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX XXXX Experian - XXXX, Personal Loans companies, XX/XX/XXXX, XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, EXPERIAN 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  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Payday loan, title loan, or personal loan

Yes I was approved for a {$100.00} loan from LendUp and never received. I applied for another loan with me they declined it and never give me reason as why they declined it this is considered illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/XXXX ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union responded and C.F.P.B. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY XXXX XXXX ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED TRANS UNION FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR XXXX XXXX ATTORNEY XXXX XXXX XXXX, BUT TRANS UNION DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO TRANS UNION TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY XXXX XXXX, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR TRANS UNION TO RECOGNIZE HERE IN THIS RESPONSE XXXX XXXX FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.
Product: Checking or savings account

On XX/XX/XXXX, I had a notification from the XXXX XXXX department  that there was an online transaction that was blocked as it was an out-of-state transaction. 

Then I noticed that my debit card was added to XXXX XXXX XXXX, which I do not use in the first place, as my devices are only XXXX based. Then I saw that there were multiple transactions being done from ATM withdrawals using the XXXX XXXX wallet from my account. 

There are three transactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  done on XXXX XXXX. I called the bank and asked them to close the debit card and issue a new one, in addition to removing the digital wallets my card was associated with. 

Then on the next day, XX/XX/XXXX, there were similar transactions made out of a new debit card to which I had no access, but linked to my account. The transactions were XXXX $ and XXXX $ each. 

I specifically pointed out to the Chase team to block the digital wallets and filed claims stating that the wallet used was nowhere related to me. But then, the claims were rejected stating the fact that they were digital transactions made through a tokenized system. 

The point here is the transactions were not made by me and the bank has a pretty poor response that it was not their responsibility. I feel scammed by the bank as it was supposed to have better security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Mortgage

I refinanced my home with MLD mortgage. They were so eager to get me refinanced, they were in a rush to get my loan done. They promised me that my old mortgage with XXXX would be paid off on or by XXXX XXXX 2015 and I would not be drafted for my old mortgage company. Paper work was signed & I was not suppose to pay for my new mortgage until XXXX XXXX,2015. I did everything on my part and everything turned upside down when my old mortgage was drafted on XXXX XXXX Because MLD mortgage failed to pay off my old loan on time ( it was paid of by XXXX XXXX ). I have been battling MLD mortgage for the past few months and I am mentally exhausted. The company MLD hired to service my loan ( XXXX XXXX ) told me I did not have to make my first payment until XXXX XXXX. However MLD has been after me to pay XXXX payment when I have continuously told them that my XXXX payment was not due because of their error ( the XXXX payment was applied by XXXX XXXX to go to my new mortgage ). Another red flag is the paper work I signed does not reflect the pay off amount, its off by over {$1000.00}. 
I do not know who to turn to, every time MLD tells me they will work it out for me, I get another phone call telling me I owe for XXXX & I 'm back at square one. NOW as of today when I went to go to make my online payment, XXXX XXXX informs me that my loan will now be serviced by another company. I regret 100 % refinancing with this company, I get harassed every week by this company, despite the fact I have physical paper work confirming my account. Can you please let me know who I can complain to or who I can go over my mortgage paper work to see if my refinance was done correctly?! Any help will be greatly appreciated! 
XXXX XXXX XXXX XXXX, FLXXXXXXXX
Product: Credit card or prepaid card

I have valid charges totaling {$120.00} with Comentity. I called to make a payment and ask for a {$29.00} fee reversal. I was advised they would credit {$15.00} and I gave them my account info to pay {$68.00} which included interest charges. I was advised the remaining full balance was approx. {$130.00}- they could not give me an exact amount. So I went online with my bank and XX/XX/XXXX {$130.00} was taken from my account. On XX/XX/XXXX {$130.00} was returned. When I called Comenity they said it was an incorrect account number, I asked them to reapply the payment. They said they would research it and sent me a letter and said not to pay the acct in the interim. Now my bill is {$190.00} and my credit reports are showing me past due. I just want to pay the {$120.00} and no more than one fee. This is unreasonable. You can not get thru to either Comenity bank phone number -- they tell you at each prompt, that you have reached an unworking number, you can only go into their pay by phone feature where they force you to say you can not pay zero, or you can not move forward in the system. This is UNETHICAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET ACCOUNT IS REPORTING INACCURATEINFORMATION IN AREAS ACCOUNT NUMBER, LAST VERIFIED, DATE OF LAST ACTIVITY, DATE REORTED, DATE OPENED, CREDITOR TYPE, PAYMENT STATUSAND LAST PAYMENT. NELNET IS IN VIOLATION OF 15 USC 1681. THE ATTACHMENTS OF THE ACCOUNT IS IN THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX  XXXX, one student loan 2016. This is all I 've had in ten yrs. 
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Experian 1. Experian had an error on my credit report, which they acknowledged was wrong and said they cleared it off. This is OK. 
2. Afterwards Experian kept sending me multiple requests for " credit repair '' and " boost your FICO score '' emails even though I never asked for this. This is not good, I challenged my credit report to get it fixed, not to get a flood of marketing emails. 
3. Experian 's ongoing annoying marketing promotion emails have no UNSUBSCRIBE link at bottom. I am glad to forward those.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to my rights being violated with all three credit bureaus, XXXX, XXXX  and TransUnion. I have a inaccurate information on my report that I have tried on numerous of times to dispute with the three bureaus and they will send me back a report stating it was verified. Upon the letters claiming to be verified, I asked not to be verified by the e-Oscar system, that they need to provide me with the information verified from the creditor. Therefore I am writing to you to report the three bureaus have violated my rights and I would like for these unverified, and inaccurate items to be removed from my report. attached are the letters that were sent to the credit bureaus. I didn't receive a answer from some of the credit bureaus. I have sent many letters for them to delete these unverifiable and inaccurate information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

This account was removed off XXXX and my XXXX. Account number XXXX and the balance they said was XXXX. This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved XXXX  the process. Upon reviewing my updates, incorrect personal pieces of information were found in  my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports XXXX  need XXXX delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Student loan

I am currently with Navient student loans. I re-consolidated my student loans with them with a total of XXXX XX/XX/XXXX. I have contacted them about payment options that would be available to me since then multiple times. They constantly tell me that the payment option that I currently have would be the only option for me. Then they have put my account of forbearance a few times. Now it is XX/XX/XXXX my balance is {$31000.00}. I just made a payment of {$170.00} and my payoff balance has went up not down. I am making a monthly payment but it is not helping me at all. My balance keeps increasing with every payment that I make. They have me set to pay off my total in XX/XX/XXXX with paying XXXX every month at that time. 
Every time that I call them I am told that I am on the only payment option available to me and that if I can not make my payments the only option I am given is forbearance. I have not been late except when trying to find options from them. 
Now at this time the interest payments for my account is XXXX but my monthly payment is XXXX so I am leaving XXXX every month that keeps adding to my total. I am NOT making a difference now.
Product: Debt collection

Im not denying the debt is mine, but the amount of phone calls multiple times a day more than 10+ in a week for months on end has become intolerable and interfering with my personal life. The dates range from XXXX. I have my call logs and voicemails for further evidence of these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX, a free credit monitoring service, stating that a company, XXXX XXXX XXXX, pulled my credit report. I did not recognize the company name, nor did I recently apply for credit or services with them. So I immediately contacted Experian and disputed the matter. Experian said that only XXXX XXXX XXXX can request for deletion of the disputed inquiry. They suggested that I contact the XXXX XXXX XXXX. 

On XX/XX/XXXX I called the company to speak with the owner or manager. The person who picked up the phone by the name of " XXXX '' ( not sure if that was really her name ) refused to give the phone to the manager. She insisted that I told her what the call was about. So I told her that I was calling regarding my credit report that their company obtained without my permission. She asked for my name and then she said, " Oh I ran the credit because you applied for housing with us in XXXX, and in XX/XX/XXXX you told us to keep your name on our list. '' Suddenly I realized that this woman was the woman who took it upon herself to run my credit without my authorization. 

My response was, " My authorization was good only in XXXX when I applied for housing with your company. It did not give you the permission to run my credit report anytime you want. '' XXXX was very defensive and she just kept on saying, " But you wanted your name to remain on the list. '' Then I said, " Requesting to have my name remain on your list does not mean that you have my authorization to run an inquiry on my credit anytime you want! '' The woman did not acknowledge mistake. She was just defensive and trying to convince me that she did not do anything wrong. 

Bottom line, XXXX did not allow me to speak with the manager of the company, and this is the reason why I would like CFPB to help me.
Product: Checking or savings account

Wells Fargo has closed my new checking account after 11 transactions citing the relationship is no longer " mutually '' beneficial. They refuse to provide any additional information and I only learned that they are planning to close the account on XX/XX/2022 by calling in after noticing that my credit card had also been closed ( and that was marked on my account when I logged in ).
Product: Credit card or prepaid card

XX/XX/20 - PAYMENT OF {$7200.00} MAILED UPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 - PAYMENT DEPOSITED - I HAVE A COPY OF THE DEPOSITED CHECK XX/XX/20 - LETTER SENT TO CITI BANK ADVISING MISSING PAYMENT ACCOUNT NUMBER XX/XX/20 XXXX CALLED CITI TO FOLLOW UP ON MISSING PAYMENT XX/XX/20 XXXX CALLED CITI TO FOLLOW UP - WAS ADVISED A PROVISIONAL CREDIT WOULD BE PLACED DURING THE INVESTIGATION HOWEVER NO CREDIT HAS BEEN PLACED AND CITI STILL HAS NEVER CONTACTED ME ABOUT THE DISPUTE. IN THE MEANTIME I HAVE RECEIVED INTEREST CHARGES AND A LATE FEE.