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

I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Product: Credit reporting or other personal consumer reports

I keep receiving information as well as calls from CHASE. I have been denied credit from CHASE. I received e-mail saying I successfully update my phone number, which I did not. I believe someone else has applied for this and is using my information FALSELY.
Product: Mortgage

To whom it may concern, on XX/XX/XXXX I applied for a home refinance loan with XXXX XXXX XXXX XXXX doing business as " XXXX  '' ( NMLS # XXXX ). I found this lender via an internet loan shopping service. Once I initiated an interest in obtaining a home loan known as a cash out refinance to assist in paying down consumer credit card debt, I was contacted by a XXXX XXXX XXXX XXXX, NMLS # XXXX and License # XXXX  who works out of the lending companies branch locations. That mailing location for that XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX,. Phone # s XXXX XXXX XXXX or XXXX, e-mail : XXXX. XXXX XXXX consulted me to apply for an FHA backed loan base on my and my spouse 's credit score. We did make application and electronically signed the application documents and accepted the early loan disclosures electronically as well. XXXX XXXX requested that we fund an Appraisal Fee of {$550.00} and he took our information to initiate an ACH debit to our consumer checking account maintained at XXXX XXXX, ( XXXX XXXX ). However, onXX/XX/XXXX I sent XXXX XXXX   an e-mail message to hold up on any further loan processing. Also, at that time, there had been no appraisal of our home and I requested that he have our {$550.00} home appraisal fee credited back to our consumer checking account. We have decided to go with another Home Loan provider and with better loan terms and no PMI requirement. I've contacted XXXX XXXX both on the phone and via email and he said that the money was sent to the home appraisal company and I would have to contact them. However he could not tell me how to contact the selected home appraisal company. I've followed up with XXXX XXXX and his firms customer e-mail : address XXXX  and included their loan in process tracking number Loan # XXXX. Still, we have not received the return of our {$550.00} funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

I entered into a loan modification agreement with PHH mortgage in XX/XX/2024, I made all the trial payments, I notarized the loan modification, they notarized it, I received the final executed loan modification agreement in XX/XX/2024 and now they wont open my account, honor the loan modification agreement, or let me make payments. They tried to get me to get into a new modification agreement, I denied that, Its impossible to speak with anyone and now after 4 months of back and forth they say there was an error on their end in the final loan modification, but I was never told that, never sent any letters saying there was an error, I feel like its a breach of contract, we both signed the documents and I was sent a copy of the final loan modification agreement for my records. Im stressed, and exhausted and I just want to pay my mortgage like promised in the agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF MY REPORT!
Product: Debt collection

Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OF DEBT
Product: Debt collection

Someone opened up fraudulent accounts with XXXX XXXX resulting in collections for two accounts in the amounts of XXXX and XXXX reporting ad a collections on my credit report resulting in damaged to my credit score
Product: Checking or savings account

On XX/XX/20 I received a letter from Citibank telling me that I have opened a checking and savings account. I have never opened a checking or savings account with them and I only hold a credit card account with Citibank. 
I immediately called them to report it and was told that they will investigate the issue. 
I still have not received any updates as to why the account was still open and active. I even got the debit card and the checks in the mail. I called XXXX to let them know that I got those items and that the accounts are fraud and I wanted it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to XXXX and Experian about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I received a credit inquiry from a company I've never dealt with and don't know who they are. Also, my bank pulled a credit inquiry even though I didn't apply for any products or services. 

XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> AMEX XX/XX/year>
Product: Mortgage

Filed Chapter XXXX Bankruptcy back in 2011. Since then NationStar mortgage and XXXX XXXX have both reported the accounts closed. Both the first and second mortgage are kept open even with the bankruptcy. I have contacted all XXXX credit reporting agencies. One month it will be reported as closed, one month it will be reported as open, another month it does n't even show on my credit report. Seeing as all other credit accounts are closed and monthly payments are made on time, our score should continually gradually be going up, not down! I 'm tired of playing games with this. its unfortunate we had to file for Bankruptcy, but our credit is worse than ever with these companies!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting by Experian To Whom It May Concern, I am filing a formal complaint against Experian for publishing inaccurate and incomplete historical data regarding my Closed XXXX  credit card account on my consumer credit report. 

Issues with the Reporting : The historical data for this account is inaccurate and largely missing from my credit report. This account was paid in full before being closed, which XXXX  and Experian failed to reflect accurately. This account is missing historical data such as payment information/ correct date of first derogatory needed to verify the age of the negative status of this account. Retaining such incomplete information misrepresents my creditworthiness and violates my rights under the FCRA.

I request that the CFPB investigate this matter and hold Experian accountable for violating the FCRA. Please delete this inaccurate account from my credit profile for the following reasons : Publishing inaccurate and incomplete historical account information.

Failing to remove an account that possibly exceeds the allowable 7-year reporting period. This inaccurate reporting has harmed my credit profile and caused undue frustration. I kindly request a full investigation into XXXX practices regarding this matter. 

Thank you for your time and assistance. I look forward to a resolution. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account XXXX This account is a charge off, charge offs is considered certificates of in indebt ness which means it is income that's not reportable and must be removed. The information on my report is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. Income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX  Account XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, harmful, embarrassing, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws. According to the above statutes these laws are being ignored and ultimately violated. 

You have 30 days under regulation z to remove these inaccuracies from my credit profile or further litigation will be seeked.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX/ CAPITAL 1 OPENED XX/XX/XXXX XXXX. XXXX CAPITAL   1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX CAPITAL 1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX THEY MADE PAYMENTS ON THE ACCOUNTS UNTIL I CONTACTED THE POLICE DEPARTMENT AND CLOSED MY BANK ACCOUNTS IN WHICH WERE ALSO HACKED INTO.
Product: Checking or savings account

in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 According to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ), state There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, Transunion, and XXXX XXXX  are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 ( a ) section 2, states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, Transunion, and XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, and XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer, is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. 
This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states 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. 15 U.S Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of the title to limit the furnishing of consumer reports to the purpose listed under section 1681 ( b ) of this title. XXXX, XXXX, Transunion, and XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR paragraph 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for? 
Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, XXXX and Transunion do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for Transunion and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.
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 1681. 

XXXXXXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX '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 transactions was unfeasible. The CFPB 's findings 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

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