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

Data breaches my personal information was breached 2017 Equifax credit report engagement # XXXX Case # XXXX Data breach claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am disputing experian reporting of accounts : I have dispute these same account atleast 3 times within the past 60 days. Each time the account has come back verified without any changes. 
Currently student loan payments are paused/defered until atleast XXXX of XXXX. That means payments are not due and are payments are not defaulted until XXXX of XXXX thats if they have not been fully forgiven. 
That is per the Government and is even on the website. XXXX has completely removed the account and XXXX is reporting it as current. Experian is reporting inaccurate information. Isn't There a pending Lawsuit against experian for refusing to corrent Account information? Between the XXXX CFPB and Attorney general I am hoping one of you organizations can make Experian abide by the law and correctly report. I will enclose proof of the error of reporting and violation of the Fair Credit Reporting Act. I am unfairly being locked out of loans and other Financial assistance. 
Not to be redundant but : XXXX 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 Sincerely ; XXXX XXXX XXXX XXXX XXXX 
Email : XXXX Phone : ( XXXX ) XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX Acct. # XXXX, U.S. DEPARTMENT OF EDUCATION : Acct. # XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( XXXX, Experian, XXXX ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( XXXX, Experian, XXXX ) and original creditor ( XXXX XXXX XXXX  ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All 3 CRA 's ( Experian, XXXX, XXXX are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.
Product: Debt collection

I only found out about this supposed debt when I applied for a loan refinancing and was informed that there was a negative report on my credit. When I got the credit report from the three bureaus, it turned out to be a hospital debt that has been settled a while ago.

Aargon, the collection agency, never sent me a notice that I owed a debt. It just went right ahead with filing the negative report with XXXX and XXXX XXXX on XX/XX/2018 for the supposed debt of {$1500.00}. 

I called Aargon on XX/XX/2018 to inquire about their filing. I provided my full name and date of birth. The representative I spoke with told me that he could not help me because there are supposedly a lot of names similar to mine. He asked for my social security number which I refused to give for privacy and security reasons. I told him that I have never given hospitals or medical providers my social security number. Even Medicare has now changed the card it sends to Medicare members. It no longer shows the social security number. I could not provide him the file number because it was not shown in the reports of XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am very disappointed with Transunion and XXXX, very disappointed with XXXX and Transunion. They both know the law but acts like the illuminati with my credit report. My score was XXXX last night and dropped XXXX points in one day, I feel like Im being retaliated against because I reported them for being lazy and not having the knowledge to know you dont add medical information on a credit report according to the law. Also I sent attached letters and information showing that these companies were in fact late in their response to me and as of today I still havent received one letter as per my request to send me a 1099C. Please see the additional attachments
Product: Debt collection

Attempted to contact on XX/XX/XXXX to get information regarding original debt. I was told this was debt from another debt collection company and they didnt have that info. This was told to me by XXXX when I called Collection Bureaux of America. She stated that the date of credit was in XX/XX/2015. We looked back through all bills and we did not apply for any credit that would have gone unpaid or to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax and XXXX Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I request that Equifax and XXXX Credit Bureau must investigate and delete these fraudulent Items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX XXXX XXXX, OH XXXX ; XXXX XXXX WY XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

A few years ago my wife and co-borrower died. After a long exhausting battle with her illness and funeral expenses, I was unable to maintain our current household bills alone. In addition, I had the responsibility of caring for extended family members. There was a reduction in my once dual income household and a rapid increase in expenses. On top of that, my property was suffering from major repairs that I was unable to fix because I was using my income to maintain the bare living essentials, like heating oil. Shortly, after all of this began, I was faced with even more mounting problems by a loss of income from the pandemic. I am a XXXX XXXX XXXX and with schools closed, I was put out of work. I had to go on unemployment and got seriously behind on all my bills. Foreclosure actions commenced with my first lender. I was a widower and I wanted to liquidate the property and move on and not continue to fight in court. I was granted relief by the judge to settle in good faith. Ive attempted to apply for loss mitigation with my first lender, Selene. To settle with my second lienholder, I asked Selene to take a modest reduction of ~2 % to their total balance. But before considering my application they are demanding the identities of 3rd party buyers, by requesting everyones IDs. My agent explained that IDs are exchanged between attorneys at a closing but never during the purchasing/negotiating phase and that this type of demand can be seen as highly discriminatory and prejudice. 

Selene has refused to consider my previous application that asked them to stop the foreclosure and settle for an extremely fair reduction of ~2 % so the second lienholder, that has a larger balance and is taking a larger reduction, can also be fairly negotiated. Now they are focused and concerned about the buyers personal driver license and identities, all of which are not a party to my loan. All other legitimate documents about the buyers have been supplied including NYS certificate of good standing, corporation documents/articles and proof of funds. 

It appears to me that Selene is finding ways to deny me the opportunity to relieve myself of this home and burden. This complaint is to put the CFPB on notice of how SELENE does NOT work with homeowners who attempt to pay them back in good faith but practices discriminatory behavior to deny loss mitigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Credit card

On XX/XX/XXXX I applied and was approved for a Chase Freedom Unlimited credit card. The promotional sign up bonus on the card was advertised as double cash back for all purchases made in the first 12 months. My statement period ends on the XXXX of each month, so figured the end of 12 months would be around XX/XX/XXXX, so I called Chase to confirm on XX/XX/XXXX. I spoke to an agent who said I should see the double cash back ( XXXX Chase Ultimate Rewards Points ) in my account on XX/XX/XXXX. Fast forward to XX/XX/XXXX and there was no doubling of my rewards points. I called again on XX/XX/XXXXXXXX  and a different customer service rep is now telling me they do not see the offer on my account and I will not get any of my rewards points doubled. For reference, the XXXX equates to {$1200.00} when redeemed for travel, {$980.00} when redeemed as a statement credit, or much more when transferred to a travel partner. 


See articles claiming the same promotion back in fall/winter of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX Union 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 illegal inquiries is reported illegally on my XXXX report Experian, XXXX, and XXXX reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX this illegal information must be deleted from my credit report under section XXXX XXXX XXXX XXXX XXXX ( B ) or the fair credit reporting act. pursuant to section XXXX XXXX Code XXXX ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person XXXX not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.The fraudulent information on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX - XXXX - {$5200.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life.

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my written consent for this corporation to report this account to my consumer report! this is a direct violation of 15 usc 1681b ( 2 )
Product: Credit reporting or other personal consumer reports

I am writing regarding unresolved inaccuracies on my Experian credit report dated XX/XX/XXXX. I previously disputed these items, and I do not agree with the results of your investigation. I am requesting reinvestigation and compliance with the Fair Credit Reporting Act ( FCRA ). 

1. XXXX XXXX XXXX XXXX XXXX  XXXX - Issue : Incorrect late payment reporting.

- Details : I disputed five late payments on this account and requested verification, but no documentation has been provided. Under 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy. Please mail proof of verification or delete these entries immediately. 

2. Unauthorized Hard Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize these inquiries. Under 15 USC 1681b, a hard inquiry requires my explicit written consent. Please provide verification or remove these inquiries immediately.

Legal Basis and Request Under 15 USC 1681i, you must reinvestigate disputed information and provide written results. Additionally, under 15 USC 1681e ( b ), you must ensure the accuracy of the reported information.

I request : 1. Reinvestigation of the disputed items above.

2. Written documentation of findings and updates to my credit report.

3. Removal of unverifiable or inaccurate information.

Thank you for your immediate attention to this matter.
Product: Mortgage

The Chase-Direct Non-Prime Lending Center was established in XX/XX/XXXX, in the Chase Manhattan Mortgage Corporation ( CMMC ) branch at XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; as a direct-marketing mortgage lending center, dedicated to originating non-conforming, subprime and Alt-A conventional home mortgage loans. This non-prime lending center ( aka : subprime lending boiler room ) was manned by teams of quasi-independent mortgage brokers known as Chase Lending Specialists, who specifically-targeted XXXX Americans, and other economically-disadvantaged consumers, residing in urban MSAs/MDs. After these so-called lending specialists originated non-conforming/subprime mortgages, they were immediately sold to other JPMorgan Chase and Company affiliates ; who subsequently securitized these metamorphosed-mortgages into bogus RMBS Certificates, that were then sold to unsuspecting GSEs, financial institutions, and private investors. This dubious, two-tier mortgage loan origination process, sanitized/cleansed these non-conforming loans by deleting geocoding information ( i.e., MSA/MD, state code, and Census tract ), as well as : rate-spread/subprime interest rates, racial/ethnic demographics, HOEPA status, lien status, and other factors, that identified these loans as non-prime mortgages, rather than prime mortgages. This subprime lending boiler room was operated by three JPMorgan Chase and Company ( JPMCC ) subsidiaries : Chase Manhattan Bank USA, N. A., JPMorgan Chase Bank, N. A., and JPMCCs wholly-owned Limited Liability Corporation : Chase Home Finance, LLC [ aka : Chase Manhattan Mortgage Corporation ( CMMC ) ], and originated more than two-hundred thousand subprime/Alt-A mortgages, before it was shut-down in XX/XX/XXXX. JPMorgan Chase Bank, N. A. still provides conventional home mortgages to some of the MSAs/MDs targeted by the Chase Lending Specialists ; and the XX/XX/XXXX-XX/XX/XXXX HMDA-LAR Public Disclosures show that these XXXX Americans residing in these MSAs/MDs have never recovered from the XX/XX/XXXX-XX/XX/XXXX Predatory Lending, Mortgage Loan Fraud, and XXXX Discrimination/XXXX  Profiling practices of the Chase Lending Specialists.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, XXXX XXXX, Experian XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states that 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. Any item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

can not connect my XXXX account with pnc bank checking account.
Product: Credit reporting or other personal consumer reports

As per the 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 XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


XXXX Bal. $ {$910.00} XXXX BAL. {$30000.00} XXXX XXXX XXXXXXXX XXXX XXXX BAL. {$5500.00} XXXX BAL. {$670.00} XXXX BAL. {$760.00} XXXX XXXX BAL. {$490.00}
Product: Money transfer, virtual currency, or money service

I am writing express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issue with the platform.Despite using zelle numerous times 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 transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still, this account is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 


XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$43000.00}
Product: Mortgage

In XXXX this year, Fay servicing overpaid my homeowners insurance. {$1200.00}. Instead of them communicating with my insurance to resolve it, they raised my house payment {$120.00} a month to cover their mistake up. I had to file a complaint with XXXX  to get an answer. They told them that they would fix this issue. I had to communicate with my insurance to get refund check. Now the mortgage company is refusing to lower my house payment back to the original {$700.00} a month payment. Ive made several calls to their customer service and theyre refusing to talk to me about it. Ive also sent emails to the ceo for help and still no response. Ive also got a {$6300.00} charge to my balance Ive been waiting XXXX years for an answer to what it is from them. This company has been nothing less than a nightmare to me.
Product: Credit card

I would like to bring to your attention that during the period in which this account was allegedly opened, I was XXXX to XXXX, XXXX, and therefore, it would have been impossible for me to initiate the application process or approve any associated transactions. 

I am requesting a thorough investigation into this matter to rectify the situation promptly. Please find attached copies of my XXXX orders, which serve as proof of my location during the time in question. Additionally, I have included any supporting documentation that may aid in your investigation. 

I insist on the immediate suspension of the account in question to prevent any further unauthorized transactions. I also request that you provide me with detailed information regarding the steps being taken to investigate and resolve this matter. 

Please keep me informed of the progress of your investigation and provide me with written confirmation once the issue is resolved. I understand the seriousness of identity theft and appreciate your prompt attention to this matter. 

Thank you for your immediate attention to this urgent matter. I am available at the contact information provided above and am ready to cooperate fully with your investigation. 

Sincerely,
Product: Credit card

Attached are the documents for your review. I request the bureau to initiate an investigation into accounts where I have consistently been on time but are inaccurately reported as late.