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

On XX/XX/XXXX I called XXXX  to notify them that account ending in XXXX was not mine. It was a fraudulent. They did wanted to take my dispute.
Product: Debt collection

I have a debt on my credit report from Quality Assest Recovery. I had it removed from my XXXX Report in 2015. I contacted my Insurance company about any bills the originator XXXX XXXX XXXX submitted to my health Insurance and My provider assured me that I had no claims with XXXX XXXX with patient Responsibility. I do not know if this is an attempt to get me to pay a balance that their contract will not allow them to receive from XXXX XXXX or what. I have not been able to get information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There is fraudulent activity on my credit report. fraudulent items that I did not authorize or open.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Today, XX/XX/2021, I received an alert from XXXX  and XXXX  that. a collection account had been added to my credit report. The collection agency is named enhanced recovery company based in XXXX Florida. this is the 3rd time this company has added a collection account to my credit report over the last three years. this incident involves an account with we energies, with whom I've never had an account. This company has nearly 1000 complaints with the XXXX. most for the same reason I'm making this complaint. This company tries to scam people into paying collections for debts they do not owe. Something needs to be done about them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to comply with my request to remove fraudulent inquiries from my credit report, as per the Fair Credit Reporting Act ( FCRA ) and applicable federal regulations. 

I am a victim of identity theft, and fraudulent accounts have been opened in my name without my authorization. Consequently, multiple unauthorized hard inquiries were made on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), I formally requested XXXX to block and delete all fraudulent activity, including these inquiries. Despite providing all necessary documentation, including : A copy of my government-issued identification, Proof of address, A police report, and An FTC Identity Theft Report, XXXX has failed to act within the legally mandated timeframe. This inaction directly violates the FCRA and has caused me undue stress and harm by negatively impacting my credit score.
Product: Debt collection

My debt was first sent from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto Midwest Recovery Systems. Midwest reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report are we going by the FCRA laws or not? Under 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXXXXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, Experian, and XXXX SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on XXXX, Experian, and XXXX XXXXXXXX XXXX  - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on XXXX, Experian, and XXXX XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on XXXX, Experian, and XXXX XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on XXXX, Experian, and XXXX XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, Experian, and XXXX
Product: Debt collection

They are blowing up my phone with robocalls trying to collect for credit cards. I have NOT authorized them to use robocalls to contact me.
Product: Credit reporting, credit repair services, 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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # 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 items 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: Mortgage

I have my VA mortgage through Pentagon Federal Credit Union. They intentionally don't process mortgage payments in a reasonable amount of time. I don't know if it is to generate late fees, push people to sign up for auto pay, or that they are incompetent. None of the reasons are good. 

I noticed over the last few months that it has taken weeks for my mortgage payment to post. I contacted them by email via customer service. Then I called XXXX XXXX XXXX number, which handles mortgage payments, on XX/XX/2023 at XXXXXXXX XXXX and spoke to XXXX XXXX She looked up my payments. They have tracking from when you take your payment to the post office. I did not know they could do that. 

She said yes your XX/XX/XXXX payment was sent XX/XX/XXXX, received in XXXX on XX/XX/XXXX, but not posted to your account until XX/XX/XXXX. A week later!! The same happened for the XX/XX/XXXX payments. They have record of me sending it XX/XX/XXXX, it arrived in XXXX on XX/XX/XXXX, and it was not posted until XX/XX/XXXX. Over a week later!! 

If the company chooses to use a Post Office box  for payments then they should be required to empty the box contents daily and post accounts with payments promptly. Right now they're not. 

Pentagon Federal Credit Union has insisted that they post payments as soon as they receive them. Their current system has payments from customers sitting in post office boxes and not posted to customer 's accounts for lengthy times. It should not be this way.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transitions was unfeasible. The CFPB 's finding 's indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under The Bureaus Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as XXXX XXXX XXXX had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

The company closed my credit card after the car was seized, cold creditors began to close my credit cards and demanded that the outstanding debt be returned, but at that time I could not pay off debts on all cards at once, it was quarantine and I was left without work and no income. This year in XXXX, the lender sent me a Form 1099-C to write off taxes with a debt amount of XXXX. But this loan still hangs as outstanding on my report, although the write-off date on the form is XX/XX/year>.
Product: Mortgage

This complaint is filed against AmeriSave Mortgage Corporation. 

On XX/XX/2023, 2 days before our settlement date, the closing cost ( Section E - Taxes and Other Government Fees ) was changed from {$6800.00} to {$10000.00}, resulting a net increase of {$3800.00} in this section. 

In Closing Disclosure dated XX/XX/2023, no specific " Change of Circumstance '' was provided. It simply says " CD to CD ''. 

The purchase agreement ( contract ) was supplied to AmeriSave at the beginning of the application. There was NO CHANGE in purchase agreement regarding how tax and fees should be allocated during the mortgage application/processing. 

Per CFPB website, closing costs that can not increase at all if there is no " change in circumstances '' include : Transfer taxes These changes were made 2 days before settlement without material change to loan application and adequate disclosing. If AmeriSave had made a mistake in allocating such costs in all earlier versions of Closing Disclosures, are they legally bound to stick to them? Adjustments made by AmeriSave at the last moment without any change of circumstances ( at least not any circumstances from applicant side ) is not only surprising and misleading, but also created unnecessary chaos during settlement. We challenge the legality of such practices and demand a refund for discrepancy caused. 

We have Closing Disclosures dated XX/XX/2023, XX/XX/2023, XX/XX/2023 for the record and can supply them if needed. 

Best Regards, XXXX.
Product: Mortgage

During my relationship with Nationstar as my mortgage holder, they tend to lose or misapply my mortgage payments to completely unrelated accounts at least once and in some years twice. XXXX has done this with my XX/XX/2016 payment which exceed the amount due and was sent in the form of XXXX cashiers checks and XXXX small money order totaling XXXX. The loan account number was written on each and a cover letter was also provided. I called them in XX/XX/XXXX when I received a notice concerning the XX/XX/XXXX payment. on XX/XX/XXXX, the gentleman on the phone at Nationstar confirmed that they had just received the XX/XX/XXXX payments and he could see it in his system. He could also see the wire I had sent earlier that day for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX that they were threatening foreclosure and I was owing a payment. I called Nationstar and spoke with a person named XXXX who was useless in identifying my earlier conversation that had said he could see the checks. The threats to foreclose and the mishandling of my payments has increased since my house is no longer underwater in value to debt. Nationstar is either deliberately putting my account n jeopardy or is grossly incompetent
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME.

If you accept my request, i will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

sincerely, XXXX XXXX 

All Rights Reserved Without Prejudice.
Product: Credit reporting or other personal consumer reports

Bankruptcy reporting Sent letters To : equifax, Experian and transunion and XXXX XXXX requesting information regarding bankruptcy on my report. They stated they received the information from XXXX XXXX. XXXX XXXX stated they received information from circuit court Received letters from circuit court stating they do not share credit information with XXXX XXXX. Someone is lying and Ive been trying to get to the bottom of this for a year. Also no where on shows my full social so how can these items be correct based on the last 4. Rule 9037 states that you can only use year of birth and last 4 when Ive contacted the credit bureaus theyre stating its tied to my ssn. I asked how if you can only use the last four they had no answer
Product: Student loan

My student loan is currently in default, and my wages are being garnished for payments. I would like to make more affordable voluntary payments. I have called the loan servicer  on 4  separate occasions within the same week to get information on how to stop the garnishment and rehabilitate my loan. Each time I was given different, conflicting information, with different forms to complete each time, and I still do n't understand how or if there is a program that can help me. In any case, it was indicated that I would be required to continue to make  5  garnishment payments IN FULL, in addition to my new voluntary payment, thus INCREASING my inability to repay. I can not afford the full garnish payment. I can not afford to pay more on top of the full garnishment payment. If I ca n't make voluntary payments, I can not enter the rehabilitation program. This servicer 's business rules are preventing me from utilizing the student loan rehabilitation program that was created to help consumers get back to a stable financial state. Their final recommendation to me was to fill out the  3  different packets of documents they mailed me and send them back and " see what happens. '' They indicated the decisioning period could be anywhere from  2 weeks to 2 MONTHS.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has r
easonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.