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

Two hard inquiries have shown up on my Equifax report from XXXX XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ). Attempts to contact Equifax have been futile. 
A rep from XXXX XXXX said they would resolve the issue, but it has escalated.
Product: Debt collection

I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX  living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My credit report includes accounts I didnt authorize ; I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following issues in linking a new bank account to target financial, I was provided an error message citing Certegy as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted Certegy as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay XXXX in cash. I recorded the representative telling me that Certegy will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. Certegy is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. XXXX has so far only been able to blame Certegy and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a XXXX  XXXX, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened - letter attached to online dispute with XXXX
Product: Mortgage

I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!
Product: Mortgage

In XX/XX/XXXX we purchased our home at XXXX XXXX XXXX, XXXX, Pa XXXX through XXXX XXXX. Our loan and mortgage payment of {$1500.00} was based on our salaries and income. We were in our new home for a year when Central Mortgage company who we are with sent us a check for {$280000.00} and a note stating that our current amount was wrong and that our taxes have been reacessed and the new amount will be {$1200.00} I called them XXXX different times to make sure it was correct. So now for the next XXXX months we have been paying the new amount of {$1200.00}. I just received an escrow letter stating we are in the rears and that our escrow account is short {$5500.00} and needs to be payed before XX/XX/XXXX. What happened so we called the tax department in XXXX XXXX and spoke with XXXX XXXX and asked '' surely our taxes have n't XXXX, she stated that they went up but only {$75.00}. Central Mortgage Company is supposed to pay Insurance and taxes so now my mortgage has gone from XXXX to XXXX over XXXX more a month which we were never approved for in the first place and we ca not afford even now. How can they burden us like this? Please help us.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$610.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. RESIDENT VERIFY Date of XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for / did not apply for the following which appears on Credit Monitoring : SourceEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a dispute with Citi. I emailed in supporting evidence when requested. Then I received a letter that my dispute was rejected. I called and they said it was because I had not responded to a letter. I had not received this letter. They sent a new one. I responded immediately. My dispute was rejected again, this time they said because I didnt respond to the first letter in XXXX ( the one I did not receive ), the dispute could not be reopened with XXXX per federal regulation. I read the information on the FTC website and I did not find that regulation.
Product: Money transfer, virtual currency, or money service

I am deeply concerned about Zelles handling of disputes, especially given the recent CFPB lawsuit exposing major issues with the platform. Despite reporting transaction discrepancies, my financial institution and Zelle failed to investigate properly, stating that recovering lost funds and tracking transactions were not possible. The CFPBs findings highlight Zelles lack of consumer protection, allowing repeat offenders to exploit the system and leaving users vulnerable to fraud.
Product: Debt collection

On XX/XX/XXXX I called Full circle at XXXX and spoke to a representative named XXXX. I explained that I was going through a restructure to pay all my lenders after I had gone through a bout with XXXX and I needed to stop all auto drafts. He was argumentative and then I told him I was REVOKING AUTHORIZATION for all future drafts. Then I made other calls to my other lenders and did the same thing. On the XXXX of XXXX I received notification that a payment of {$200.00} was withdrawn from my account more than a week after I had revoked authorization. They did not have permission please pull the call immediately to verify this all happened. This caused me to go negative and I was unable to meet other financial obligations.
Product: Debt collection

I have collection report on my XXXX credit report from Midwest Recovery Systems. The account number is XXXX. Please be advised that I am disputing this collections due to the fact that Midwest Recovery Systems, do not currently have a valid license in Illinois to collect on debts. This information is stating that their license is revoked. According to the IL Department of Financial and Professional Regulation.
Product: Credit card or prepaid card

I have a bank of america credit card that has a fixed 8.99 % fixed interest rate. This card was paid off but we still had it open and started using again last year XX/XX/XXXX. i noticed when i logged onto my account that my rate had changed to 10.15 % variable. I have not been late and have excellent credit XXXX per my bank this week. I called XX/XX/XXXX and talked to someone regarding the change. He informed me that because prime went from .25 to 4.50 all credit cards were being converted to 10.15variable as of XX/XX/XXXX. I explained this doesn't make sense since this is not what i signed up for and i also was not notified. He said i should have gotten a letter. I checked my online account and i never received a letter from them. This seems wrong that they could take a fixed rate and not only raise it but convert to variable. We have another card with them that has a lower rate and that card was not changed as of today ... i will be paying off these cards but still think this is a violation. He gave me no more explanation then that. I believe people should be aware if their credit card company is able to change their rate without notice and no probable cause. Everyone should look at their rates!
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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

So out of the blue, after once again sending PayPal verification docs for a temp limitation ; they banned my account with no ability to do anything with my CRYPTOCURRENCY which is totally separate from PayPal t/c and being able to just suspend ; they cant not allow me do crypto transactions too my other crypto wallet
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to 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 remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process has been unfair and deceptive, as they have failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in unexpected fees, lack of refund support, and significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, XXXX, and Equifax. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.
Product: Checking or savings account

i have a personal account and business account with navy federal credit union.i wrote a check by mistake for about {$18.00} from my business account and three checks totaling about {$11.00} or {$12.00} from my personal account.They closed and charged off my business account and, trans fered about {$140.00} in overdraft and fees to my personal account and now want about {$340.00} in overdraft and every 5 days {$38.00} late fees.can you help me? I am a XXXX YEAR OLD XXXX XXXX XXXX XXXX, XXXX XXXX VETERAN, ON SOCIAL SECURITY {$690.00} AND VETERAN XXXX {$130.00} A MONTH INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.
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 XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 reasonable 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.
Product: Credit reporting

XXXX shows H & R Accounts as Direct Dispute and XXXX does not.
Product: Credit reporting or other personal consumer reports

LexisNexis company providing wrong ConsumerReport and damaging my ability to have car insurance. 
1 ) Report stated Car Accident XX/XX/XXXX, in XXXX in XXXX and during entire XXXX there were no ever any car accidents with me or my car involved, the last car accident was in XXXX where my vechicle was stollen 2 ) LexisNexis stating thats both employers XXXX XXXX XXXX and XXXX XXXX XXXX is not active companies - its also wrong information both companies active, filing taxes, pays states certificates each year renewal - LexisNexis providing wrong information 3 ) Lexis Nexis providing Wrong Parking Ticket from XXXX XXXX Nevada more then 3 years - the Ticket was dismissed by XXXX - However LexisNexis providing this records on my report and continues damaging my information 4 ) Im also submitted disputes regarding XXXX ticket thats also was dismissed this year, however LexisNexis providing wrong information and keep incorrect records on my Consumer Report, Thats leads to increasing my insurance, and wrong information to Lenders as well. 
LexisNexis company not able to maintain and update right information, so this company cant waste people time and money to filing disputes, and waiting when company be able to fix errors thats they making. Why my consumer report cant be handled by XXXX for driver records, or Credit Bureaus like XXXX, at least XXXX always giving correct valid information, and XXXX also making good work. 
As I found out LexisNexis company damaging a lot of people reports, not only mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian against a collection agency by the name of XXXX XXXX XXXX, XXXX, that purchased a discharged Chapter XXXX bankruptcy debt from an original creditor by the name of XXXX XXXX XXXX XXXX, back in XXXX, putting it on my credit report on XX/XX/XXXX, which I'm aware is illegal. Experian updated me and told me the account is going to stay on my file because XXXX XXXX quickly responded, lied and told them the account is valid. Experian hasn't received my bankruptcy schedules in the mail yet, which should prove my complaint. My issue with this matter is that, I called XXXX XXXX today XX/XX/XXXX, and they pretended they didn't know the account was included in bankruptcy. Well I checked my XXXX  credit report today, and they've also added XXXX XXXX to that report as well. Unlike Experian showing it as an owing debt, it's listed on my XXXX  report under Chapter XXXX Bankruptcy, so this proves their dishonesty. I've enclosed pictures with this message, of this company on my XXXX  report.
Product: Credit reporting or other personal consumer reports

I previously disputed multiple accounts with Lvnv funding. However after my initial dispute it was not removed and it is showing that it is valid however I have never had a contract with LVNV funding I have never signed a contract with LVMV funding I have never received any funds from LVNB funding on my credit report they show multiple accounts however they show themselves as the original creditor they also show themselves as having an open account but it shows that listing as a charge off account it can not be all three things it can not be a charge off account if they are the original creditor it can not be an open account if it is in a collection account therefore I am requesting it be immediately removed for an accuracy As well as compensation for the damage that the inaccuracy has caused. Under the fair credit reporting act I am guaranteed accuracy just buy what I have listed above these accounts can not be being listed accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Account Dispute # XXXX filed with Experian on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/XXXX. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/XXXX showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/XXXX resulting in being referred back to the City of XXXX to obtain proof that this debt is valid. XXXX XXXX XXXX will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.
Product: Checking or savings account

On Sunday XX/XX/23 I tried to log into my bank account app. It showed a screen that said I needed to fill out this review or I would have my account restricted or closed. When I went to fill it out they are asking me very personal questions about my cash flow in and out of the bank. I have banked with them for 20 years and have never been asked these questions. I refused to answer and called them on Monday XX/XX/23. She told me if I don't answer my account will have the debit card frozen and the account will be closed. She refused to tell me why they want such specific information.