23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an complaint through the CFPB on XXXX, Equifax, and XXXX the complaint number is as followed : ( XXXX XXXX ), ( EQ XXXX ), ( XXXX XXXX  ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, Equifax, amd XXXX is allowing XXXX XXXX XXXX  to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX XXXX XXXX XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX XXXX   they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, Equifax, and XXXX is defaming my character with XXXX XXXX XXXX by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX   XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX   has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX  needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all list accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and ive been reaching out to Equifax, XXXX, and XXXX since XX/XX/2022 and they are still reporting these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft, and I have sent over all the requested supportive documents 3x and can't seem to understand why I have not gotten any type of results as of yet the first attempt was in XXXX  can someone look to see the history of my complaints and address this matter ASAP please I will also send over supportive docs again with this complaint but in the pass communications would have even more supportive docs
Product: Mortgage

Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment. 

On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014. 
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 
I filed a complaint with the Better Business Bureau. The case number is XXXX. 

My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue. 

How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating. 

I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest. 

Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by 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 as a data furnisher to XXXX. It has come to my attention that XXXXXXXX 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 may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of 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 I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand that 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  promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that 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 conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that 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  will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B ( a ) stipulates that credit reporting agencies must remove any information identified by consumers as originating from alleged erroneous activity within four business days after receiving notification of such identification. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$18000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX {$7100.00} ;
Product: Debt collection

Affirm is trying to collect on a debt that was a result of identity theft. I'm uploading my affadavit and I have sent them a copy of my lease which is too large to upload here. The merchandise they say was purchased was sent to an XXXX  address and I have lived in XXXX  since 2010.
Product: Credit reporting or other personal consumer reports

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 1681XXXXXXXX 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 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: Student loan

I was encouraged to sign up for IDR, but was never advised that my interest would be added to my principle if I was ever denied re-certification, or that I could be denied despite my income not significantly changing. I was recently denied and attempted to call Nelnet customer service on XX/XX/XXXX at XXXX XXXX  PST. I asked why I was denied and was told that Nelnet simply decided it was best. I asked to be rectified while on the call and was denied. I requested to find when and how much interest would be capitalized and was told they did not know. I do not believe that I should have over {$6000.00} added to my principle as my income did not significantly change and was not advised that this was even a possibility when I was guided into this plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My step son was seen in the emergency room at XXXX XXXX Hospital ( XXXX XXXX ) on XX/XX/2017. He was covered under his father 's insurance as primary and mine as secondary. Because I'm the one who filled out the paperwork at the ER, they are holding me responsible for this bill ( he's not my son, I did not adopt him, his dad and I were separated at the time ). This is not my bill, however because it kept being sent to me after I tried to correct it with XXXX, I included it with my bankruptcy that I filed in XX/XX/2017 ( maybe XX/XX/XXXX? ). 
I disputed it through XXXX, however the response was : Result : Verified as Accurate and Updated -  it looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
I don't know what that means - but this should not be on my credit report, as it is not mine. It was included in a bankruptcy. Two reasons right there why it should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware in reviewing my credit report in early XXXX that someone fraudently took and and was given an installment by an online banking institution by the name of MoneyLion. Identity theft is involved and the loan was taken out illegally using my social security number, name and date of birth. The bank did not check my credit reports ( as I have a lock on them unless I need to use them ) and did not verify that the person taking out the loan lived at the address given ( by seeing a copy of a drivers license ). The person who took out the loan ( {$500.00} ) received the money from MoneyLion and is now delinquent on their payments. The delinquent loan is showing up on my credit report and has negatively impacted all of my scores. More frightening is that someone is taking out credit using my information ( identity theft ) and that certain institutions like MoneyLion do not have adequate safeguards in place to catch. I have read online, in researching the situation, that MoneyLion has had several cases like mine with people opening accounts and taking out loans fraudulently I have called MoneyLion. I finally got a representative who said they referred my case to the fraud department. I have not been permitted to have any direct contact with the fraud department. I have filed a police report with the XXXX XXXX XXXX Police Department NY report number XXXX. I have also filed a report with the FTC reporting identity fraud. The case file at MoneyLion is XXXX XXXX XXXX for the fraud that I have reported to them.
Product: Credit reporting or other personal consumer reports

I recently discovered that an account under the name XXXX XXXX was fraudulently opened in my name without my knowledge or authorization. This account was later charged off with a balance of {$650.00}, causing significant harm to my credit report and financial reputation. I did not apply for or consent to this account. Additionally, I have not received any IRS Form 1099-C or proper notification regarding this charge-off, raising further concerns about its legitimacy. The unauthorized account has negatively impacted my credit score, limited my access to credit, and caused emotional distress. I am filing this report to formally document the identity theft and request assistance in rectifying this matter. I ask for the fraudulent account to be immediately removed from my credit report and for further investigation into how my information was misused.
Product: Money transfer, virtual currency, or money service

My mother sent me money on Cash app and she sent to the wrong cash app I dont have the phone number or debit card number to get into the Cash App anymore and cash app will not release my funds to me or my mother
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX ALLY FINANCIAL claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX 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. 


TRANSUNION 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, credit repair services, or other personal consumer reports

Hi, Company Name : Paypal Dispute transaction date : XX/XX/XXXX in the amount of {$500.00} ( Fraud transaction ) Dispute filed : XX/XX/XXXXDispute ID : XXXX Dispute description : Unauthorised transaction Initial decision from Paypal received on XX/XX/XXXX was to deny my claim After that I appealed to Paypal fraud specialist on XX/XX/XXXX, and I got this message : " Hello XXXX XXXX, We recently received your appeal for an unauthorized case that was denied. We 'll get back to you with our findings within 9 days. '' Its been more than 75 days and I have n't received any update or Credit of {$500.00} During this time, I have contacted them twice and both times they have told me that the case is still under review and will be expedited. 

Nothing is happening. 
Paypal should immediately credit {$500.00} to my account. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

Company is failing to timely process and adhere to its own stated timelines regarding the processing and resolution of a Purchase Protection claim, as submitted to XXXX XXXX XXXX, a coverage offered and marketed to me as a Chase Cardholder. This is despite every attempt on my part to facilitate the process, no reasonable explanation for a delay, and processing mistakes made on their part. Please see attached letter and documentation for complete explanation of issue.
Product: Credit reporting or other personal consumer reports

I have a XXXX  bank account on my credit report that has an inaccurate first date of delinquency. I have reached out to XXXX bank and the company has provided statements for XXXX. 
The statements show that the account went over XXXX  days delinquent in XX/XX/XXXX however the company is inaccurately reporting the XXXX  date of delinquency at XX/XX/XXXX. 
I have disputed it and provided evidence however the credit bureaus have not updated this even though I have provided accurate evidence. 
This account should no longer be on my credit as of XX/XX/XXXX as it is past the XXXX  year statue of limitation
Product: Debt collection

Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I disputed this account ( XXXX XXXX ) was reporting inaccurate information ( Terms ) on my report. I have not signed any contract terms with 74 mos. or ever been late on this account. I requested that you verify and update this information and to this day you have failed to resolve this issue. I demand that you update this account to " PAID AS AGREED '' or I will litigate this due to the stress you have cause me.
Product: Mortgage

our home was ruined by hurricane Ian we received an insurance check for {$110000.00} i called the bank and they told me to send in a mortgage affidavit on the document i told them i wanted the check to go towards paying off the mortgage my title co keeps calling them for a payoff quote but they will not give them a quote minus the ins check i am a XXXX vet XXXX yrs old i do not need the stress this bank is putting me through i just want to sell the home and start over it does not take a rocket scientist to take XXXX and minus XXXX to come up with a closing amoount please help me get this done the co is united wholesale mortgage XXXX XXXX XXXX XXXX ohio XXXX tel XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Chase international wire {$200.00} was requested to best on XX/XX/year> to a Swiss bank account. Transaction number : XXXX. Reference number : XXXX. 
Date funds available to recipient promised : XX/XX/year>. 

The funds never reached the recipient bank. Chase customer service was contacted, and this incident was reported under case number XXXX on XX/XX/year>. 
On XX/XX/XXXX, Chase customer service advised that they had no control over the funds anymore because it was taken out of the account. Chase also informed customer about an investigation with the foreign exchange department to attempt to trace the funds and credit it back within 10 business days. 
It is suspected to be a fraudulent transaction and internal investigation at Chase.
Product: Checking or savings account

Ive had a checking account and credit card account with Capital One since 2020 and they call themselves closing my accounts last year. According to CFPB, Capital one hasnt paid any interest to their customers and Im sure that my accounts are of the many that was not properly compensated. Also according to Capital Ones prospectus my accounts shouldnt have been closed to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT.

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX