23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan servicer Mr Cooper an alias of Nationstar Mortgage LLC had a data breach late last year. Our personal information was exfiltrated. Last week my savings account at XXXX XXXX was blocked without explanation and as a result I can not transfer funds to pay my mortgage due XX/XX/XXXX, late by XX/XX/XXXX. I tried to reach Mr Cooper at the customer service number listed on their website and on my statement but it is ABSOLUTELY IMPOSSIBLE to contact a living human and none of the options refer to the issue involved.. You are sent through an XXXXlike endless loop of menus. The statement formerly had the phone and email of your 'Dedicated SPOC '' but that has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Debt collection

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER
Product: Credit reporting or other personal consumer reports

Hello Ive checked my credit report and seeing late payments. Im trying to get my credit together, Ive made payments and now caught up on my balances. I just want my late payments removed permanent!
Product: Vehicle loan or lease

Subject : Formal Dispute Regarding Account Reporting and Illegal Repossession ( XXXX XXXX XXXX  Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of the closed XXXX XXXX auto loan account ( Account Number : XXXX ) associated with my XXXX XXXX XXXX XXXX XXXX. The reported information is inaccurate and misleading, and the vehicle was repossessed illegally, further invalidating the reported balance, payment history, and account status. 

Disputed Information : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX Current Balance : {$13000.00} Highest Balance : {$15000.00} Monthly Payment : {$400.00} Opened Date : XX/XX/XXXX ( Term : 54 months ) Last Payment : XX/XX/XXXX Repossession Date : XX/XX/XXXX Payment History : Only 42 % of payments were reportedly on time, with 8 late payments at 30 days, XXXX late payments at 60 days, and 4 late payments at 90 days. 
Status : Involuntary Repossession with remarks, Consumer disputes after resolution. 

Details of the Dispute : XXXX. Illegal Repossession : The vehicle was repossessed on XX/XX/XXXX, in violation of state and federal laws, including XXXX ( Uniform Commercial Code ) requirements. This constitutes wrongful repossession and invalidates the alleged debt and account status. 
XXXX. Misleading Remarks and Incomplete Reporting : The remarks Consumer disputes after resolution and Involuntary repossession fail to reflect the true circumstances of the account and repossession process. 
XXXX. Payment History Issues : Reporting shows inconsistent data across payment months and no clear status updates, which violates Metro 2 guidelines for accurate and complete credit reporting. 
XXXX. FCRA Violations : Under Sections 605A and 605B, information resulting from illegal activity ( such as an unlawful repossession ) must not be reported. 

Action Already Taken : On XX/XX/XXXX, I sent Ally Financial a certified letter disputing this account, its reporting inaccuracies, and the illegal repossession. To date, I have not received a sufficient response or resolution. 

Requested Action from TransUnion : I respectfully request the following actions : XXXX. Conduct a Full Investigation : Review the accuracy of the reported information under FCRA and Metro 2 compliance. 
XXXX. Remove or Block the Account : Due to the illegal repossession and inaccurate reporting, the account should be removed or blocked from my credit file. 
XXXX. Provide Confirmation : Send written confirmation of the results of your investigation and actions taken. 

Additional Information : While I did not include identification documents in my original dispute, I am happy to provide additional documentation if needed. However, the illegal repossession claim and clear reporting inaccuracies should suffice for your investigation. 

Under the FCRA, you are required to investigate and respond within 30 days of receiving this dispute. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CAPITAL ONE AUTO FINANCE FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Payday loan

I had a loan which was due XXXX XXXX. I spoke with a customer service agent at the XXXX XXXX, XXXX, Oregon store as I was n't going to make it in to the store to pay it on that day. The gal told me that it would automatically go to the bank as a debit card charge that night. I said that was fine. The amount never deducted from my account and when I called the following Tuesday, XXXX XXXX, the customer service person told me it was declined for insufficient funds from my bank. I promptly went in to my bank and confirmed the charge was never presented to the bank, and never declined. I brought a printout and the bank teller 's name and phone contact to the XXXX XXXX store, and the gal told me there is a {$20.00} charge on my account and that it is in collections,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX dated XXXX Invoice Number : XXXX stating Dear Sir/Ma'am, Your annual plan of PAYPAL has been renewed for the upcoming year. It has charged {$390.00} against my registered account. They said this transaction has been don successfully and soon it will be reflected in your banking statement. As per signed document this plan will be auto renewed and the following charge will be auto deducted from your a/c. Description : BTC ORDER Quantity : XXXX XXXX XXXX : - {$390.00} Total : - {$390.00}. If you didn't authorize this charge, You have 24hrs.to Cancel & get an Instant Refund Of Your Annual Subscription, Please contact Our Customer Care : XXXX XXXX. Thanks & Regards XXXX XXXX security services, XXXX. The XXXX had the PAYPal logo at the top and bottom of this text. I contacted XXXX XXXX XXXX  XXXX XXXX and asked them if this phone number was valid for their security services, and they told me to delete this gmail and report this to FTC.gov or Ic3.gov to report it as scam. I was referred to you. I can't remember the last time I used PAYPAL. We have been hacked before on our computers, by people claiming to be XXXX XXXX technicians. I believe this is another attempt. Thank you.
Product: Credit card or prepaid card

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

I was placed on forbearance during the pandemic and on XX/XX/XXXX I called into the offices to get information on my forbearance ending and heard a recording if I wanted to make a trial payment. At the time was aware of the meaning or reason for a trail payment got thur to a Amerihome Mortgage representative and I proceeded to ask about the meaning of a trial payment. He asked if I had received the documents in the mail that I was to pay XXXX a month for three months. I replied I had never received a letter from Amerihome Mortgage regarding this. The agent asked would I accept a verbal agreement over the phone, I accepted on the payments were to start in XXXX, XXXX, XX/XX/2021 for the trail payment amount. I asked the representative could I make the first payment while we on the phone for the month of XXXX that day. I asked again is it ok to pay this now. I was placed on a brief hold he return and told me that was it ok to make the payment earlier than the schedule date. Made the payment and in XXXX made another payment and around the XXXX of XXXX I received a letter stating I missed a payment for XXXX. I immediately call and was told my trail payments started in XXXX not XXXX and my trail payment wasnt any longer available because I missed a payment. So I was told I had to submit a loss mitigation packet which they would send out. 
I wasnt happy with this news so I requested to speak with a supervisor for Amerihome mortgage customer service. I explained the phone call to set up trail payments and the dates that I and the representative agreed to. I asked them to listen to the recorded phone message. I was asked to call back in 5-7 business days called back round the end of XXXX and was told by another customer service manager that the recording has been pulled and there was a mistake on there behalf regarding the starting date of the trail payments and would be shown I made the payment on time. I was told that 1or 2 things would happen add a additional 10years to my mortgage term or work out a repayment plan. Called again a few weeks later was aske to fill out a loss mitigation packet, I asked why and I was told thats the next step. I called to speak with another customer service manager and see assured me that I didnt need to do so and she had sent the loss mitigation department the info along with correct information to proceed to the next step of deciding of the 2 options. Call back and all this just disappeared I was told again to submit a loss mitigation packet. Did so 4 more time receiving documents from mortgage company that they received everything and there no need for any further documents and also go letter saying I was in underwriting. And this has been going on since XX/XX/2021. I submit a loss mitigation packet and they send a letter say received and no other information needed check back and it same thing over and over. So Ive to this day submitted 6 Loss mitigation packets..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was disputing the time in which Sterling is reporting a criminal case on a consumer report. as well as the Method in which they verify. 

Sterling responded back stating that there was no database and that they used name date of birth with a former Florida drivers license. 

I am requesting to see the verification. XXXX, based on the word of someone isn't verification. Sterling has many cases of inaccurate reporting as well as their methods of verification. I understand it is not entirely their fault due to the overwhelming inquiries how ever, Automation sometimes needs to have a person take the time to look at specific cases. 

Please provide proof of the method of verification which was used. 

The re-aging of accounts is a Violation of my consumer report. 

By law, it does not go by the date of disposition it goes by the date in which it happened. 

There are many cases where someone has a debt that was charged off and in collections or paying or communication triggers re-establishment of an account, but that is not the correct procedure. That is considered re-aging of a consumer 's information. 

Attached is the previous complaint that I made. And the response was not in compliance with the law. 
Complaint # XXXX
Product: Checking or savings account

The basis for this complaint is discrimination based on ethnicity of business owner and size of business. On XX/XX/XXXX, I open a third business checking account with CHASE BANK. The purpose of the account was to separate funds used in our business for better allocation. The teller who work with seem to have problem opening the account ( I dismissed it XXXX. The account was open and was funded. ON XX/XX/2018, I was notified by my local Chase  branch at XXXX XXXX XXXX, XXXX # XXXX. That my newly open business account was being restricted or closed. The closure was due to the office space that I lease being consider by Chase : a virtual office space. '' The building has a physical address, and I have a physical suite inside of the building. In addition I have two other accounts with this institution that are attached to the same address, receiving mail at the same location. All of my accounts are in good standing. On XX/XX/2018. I provide the bank with the intelligent/virtual office documents stating that I lease space inside of the building. However the bank response was because they : XXXX IT '' that they are considering the space a virtual office. In addition they refer me to my local branch. I have spoken with the local manager, who has tried calling the compliance office, and can not get a direct answer. At this point, the local branch assistant manager, nor I have been able to get any direct answer, or even speak with someone in the department that is making the decision. We have tried calling several departments. There is nothing in the documents when I open the account stating that a lease office space is an unacceptable location for an office. Based on other accounts open with the bank, I am lead to believe that there is some form of discrimination at this point, being that I can not get a straight reasonable answer as to why my lease office work space is not acceptable to the bank. My lease agreement according to state law, has valid terms, outlines a payment, the suite location and has a beginning and end date.
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit card or prepaid card

Kohls/capital one XXXX, capital one na
Product: Debt collection

Have received numerous calls from Portfolio Recovery Associates from spoofed numbers. Today XX/XX/19 XXXX EST auto dialer there was a long pause before someone responded. They asked for me by my old last name ( prior to marriage ) and stated this was a recorded line. I told the woman on the line that clearly due to the long pause they are using an auto dialer and that I have numerous times ask that they not contact me. They have also called my cell I have since changed it due to their repeat calls, I block their number and they call back under a spoofed number. 

Prior letters this company have sent were for a time barred debt so they stated they could not sure but continue to call.