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

In XXXX I submitted 3 disputes requesting to have my 2 student loan serviced accounts with Department of Education re-submitted onto my credit file with all three credit bureaus with the correct balances but my request has not been completed to the satisfaction of my request ; they have refused to add the accounts to my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card shows up on my XXXX XXXX as being HIGH BALANCE. I told XXXX to tell XXXX, Experian, and XXXX to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED and REMOVE balance.. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. I have been making mimimum balance payments because XXXX has ignored me and I do not want my credit to be further harmed. I have been telling them to help with this for over 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to Equifax about the following accounts : XXXX XXXX ( Date opened : XX/XX/XXXX. Balance {$280.00} ), XXXX ( Date opened : XX/XX/XXXX Balance : XXXX ), XXXX  Date opened : XX/XX/XXXX, Balance : Not reported ), XXXX ( Date opened : XX/XX/XXXX Balance : {$4500.00} ). It's been over 45 days since I sent dispute and they have not answer as they are required by the FCRA.
Product: Mortgage

Hey there Im XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX im reaching out for justice I was home invaded by these illegal realtors and XXXX  XXXX XXXX XXXX XXXX on XXXX XXXX and Candence Bank loan officer XXXX XXXX XXXX was took my application and used my information fraudulent to obtain Goods in my name I was illegally Force out of my at XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal people was stalking my identity and caused attempt hit on my by cutting my utilities off XXXX years and no allowing no one to come to my rescued cut off my communication limit my funds cut my food to {$12.00} amount I received {$940.00} XXXX only they then attempted to put snakes into my house on me without utility they did put a snake in my car they placed a ground copper on my meter etc was forced out of my house in XXXX I was taking to XXXX then released to The XXXX XXXX in XXXX I was released early without getting assistance because I have some one demanded out to come hostage designated because i escaped the attempted on my life I move to my daughter apartment where they were holding her now me too I done an loan application for a house at XXXX XXXX XXXX XXXX XXXX XXXX these people at Candence Bank stole my identity etc and tided my home in with this loan XXXX XXXX XXXX XXXX XXXX XXXX to hold it I never received my keys for the purchase home at XXXX XXXX  I was attending the home buyer class and received the certificate for down payment and closed cost I received the appraisal information and I was told to pay For it and a home inspection i later received a loan letter stating I had no score I called to see why I got all necessary things for this home I called the credit bureau found a home discrimination fraud i demanded both of my houses my home in XXXX XXXX not attached I didnt borrow equity this address wasnt brought up this how I never people at Candence Bank XXXX XXXX XXXX XXXX XXXX caused a attempted on my life and still holding because Im owner Im XXXX XXXX XXXX XXXX soleowner of XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> my temporary residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested for my houses I pressed charges and call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  now etc my XXXX ) XXXX
Product: Checking or savings account

I was a victim of fraud where someone pretended to be a loved one in order to gain access to my banking account where they deposited a fraud check in my account and withdrew money and deposited into their accounts through a third party app, including through cryptocurrency. This person even applied for a loan through my bank without my permission. I called my bank and made them aware of the situation. The bank issued me a credit immediately and that was that. Shortly after that I went on a trip to XXXX  and my phone was stolen and i was without communication with my bank for about two months. I could not log into my account, or emails or get through the telephone prompts due to validating with being able to recieve a text message from them. 
After I obtain a new phone and logged into my bank only to find that they charged back the refund which was given to me and closed my account. After the account was closed I had other vendors credit my account and they never credited those amounts to me, they credited toward a negitive balance that I was not responsible for. 
This is all absurd and I should not be responsible for fraud. When I asked them how they came to that conclusion that I was responsible for the fraud, they said that i had a part in it but still did not provide any proff. When I first called in to report the fraud, I offered copies of conversations that i had with the person who scammed me but they said that i did not have to submit that information to them.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX have 2 addresses reporting on my credit report that do not belong to me : 1. XXXX XXXX XXXX, XXXX GA XXXX ; and 2. XXXX XXXX XXXX, XXXX XXXX GA XXXX
Product: Mortgage

Nationstar Mortgage Subject : Foreclosure Process Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX AM Dear Nationstar XXXX On XXXX This Morning '' TV Program today, XXXX/XXXX/XXXX, there was news article that directly related to your ongoing dealing with me. I have copied it below. As you know, XXXX, my previous mortgage servicing company in XXXX XXXX, missed sending the first payment to you, and the second was set up online with your mortgage servicing website to draft my checking account, and it did not go through, and finally, as I said previously, my marginal cushion between my SSI payments and the mortgage payment was very small : {$730.00} vs. {$620.00}, and my car broke down several times at the end of XXXX. As I live in an area where a car is necessary, the minimum amount of work possible each of these months, did not allow me to make the full payment for the third month. I have kept up with payments since. I am XXXX XXXX XXXX and I have lived in this house XXXX years, and I want to continue living here. Please pay attention to this as I will send my complaint, including a copy of this, to CFPD, as you, Nationstar, are aggressively sending me into foreclosure. Please consider adding the late payments to the mortgage due. Thank you. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ME XXXX XXXXXXXXXXXX # # # ... http : //www.cbsnews.comXXXX Are private equity firms making mortgage mistakes? ... XXXX XXXX, XXXX, XXXX AM ... There is new concern for some homeowners nearly 10 years after the last housing crisis. A recent New York XXXX investigation found that private equity firms, which bought distressed mortgages after the XXXX crisis, are making similar mistakes that banks made before the last bubble burst. XXXX News business analyst XXXX XXXX joins " XXXX This Morning '' to discuss whether homeowners should be worried ... These firms are pushing people into foreclosure with short term late payments, contact CFPD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I found a fraudulent inquiry on my XXXX  Credit report. I tried to contact Experian to regarding multiple inquiries that I need to have removed from my credit report. I have contacted them via their website ( which wo n't dispute credit inquries ) and their phone number to no avail. Most times I call the line cuts after the prompt asking me for my SSN. I need Experian to contact me regarding getting my credit report updated.
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card

This happened on XX/XX/2024, at approximately XXXX, in one of Capital one branches XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have deposited/ paid off my credit card bill of {$9200.00}. ( For the record the bills were in {$100.00} ) the ATM all of a sudden shut down and said temporary down, and can't take deposits. We instantly contacted branch employees, they were completely useless. And I called the customer service department to report this issue, then called the next day to follow up and they said were looking into it. Almost 2 weeks later they have posted my credit card with {$9200.00}. I called again on XXXX, XXXX, and XXXX for updates and confirmation. Capital one supervisor were deceiving me. and told me they working on it. and on the XXXX I have gotten a mail, saying my case is closed and can't be reopened nor reinvestigated. Need someone to look into this. Because since when banks rob its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to no avail to get the credit agencies to acknowledge the incorrect information on my credit report.
Product: Credit card or prepaid card

In XXXX of this year I scheduled a payment with an external account. When I realized that I may have an issue with the external account covering the payment. I called to make the payment. I was told that everything was fine. And they I did not have to pay it again. Eventually I was charged the fee that I was misinformed about. NFCU has refused my request to listen to the recorded call. I was once sent a link to dispute the charge Now I am being told that it can't be disputed after I was sent a link to do. The representative do not directly respond to my questions. As if I can not inquire about my account and money when I was misinformed. Leaving me no other alternative but to file complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I gave a copy of a valid FTC Identity Theft Report to XXXX XXXX, they should have stopped reporting the fraudulent accounts to the credit reporting companies. But I also provided a police report proving that someone stole my identity. If these actions guarantee me certain rights then why after someone has stolen my identity, has the fraudulent information remained on my credit report. I have the right to have removed all fraudulent information from my credit report. This is called blocking and once the information is blocked, it wont show up on my credit report, and XXXXXXXX XXXX cant try to collect the debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Product: Credit card or prepaid card

Applied for American Express Card XXXX XXXX card in XX/XX/2018 ( believe it was XX/XX/XXXX ). 

I called Amex ahead of applying for the card since this looked to be a new XXXX product. 
I was advised by an American Express Representative named XXXX that this card was a new product and she reassured me that I was eligible for this promotion. 

American Express failed to honor the promotion after making the minimum spend within the first three months. I made {$3000.00} in charges within the 90 day period as per the offer. 

Upon contacting XXXX I was advised the promotion was never added to my card and they were not going to honor providing the XXXX XXXX Points even though I made the minimum spend as per their offer.
Product: Credit card or prepaid card

I had an account that was fraudulently opened in my name on PayPal. I have contacted the merchant 6 times to dispute the fraudulent error & they advised me that the account will be removed and all inquiries from my credit reports I have yet to receive any updates & the creditor hasnt been useful. I keep receiving different departments to contact and nobody wants to address my issue from this point.
Product: Mortgage

Select Portfolio Servicing has no Explanation as to How Or Why the {$1400.00} is reflected on credit report and Not on my account with them! 

Hi, So I am reporting of what I believe to be Unfair Lending Practices. Long story short, I am getting out of long nasty marriage, attempting to fix my credit after years of me trusting spouse on finances. Paid mortgage on time last 14 months, until spouse stopped paying support money in XXXX, SELECT PORTFOLIO SERVICING said they will modify my loan, I advised them I might refinance to do some repairs ... ..3 days later my credit took a 71 point Hit due to SELECT PORTFOLIO SERVICING raised my Balance amount {$1400.00} which took my mortgage balance from {$86000.00} to {$87.00}, XXXX in XXXX!!! This I believe was done to PREVENT ME FROM REFINANCING, instead I would be Forced to modify with SELECT PORTFOLIO SERVICING! My statements and all my account info at SELECT PORTFOLIO SERVICING, shows the original balance of {$86000.00}!! When I spoke to them they couldn't answer for the added, {$1400.00} reported to my credit report! 
I am requesting that this {$1400.00} be removed from my mortgage balance with the credit bureaus ASAP,, Can you please help or tell me what to do? I am working so hard to repair my credit and this is devastating!! 

Thanks so much for any assistance!
Product: Mortgage

I have been divorced since 2006 and my name is still on my ex wife 's mortgage she has had XXXX late payments that are now on my credit report how do I get rid of them?
Product: Payday loan, title loan, personal loan, or advance loan

I was trying to settle this debt or set up a payment arrangement. I needed a copy of the agreement and they refused. They wanted me to settle the XXXX debt with XXXX XXXX payment today and one 30 days later. He would not allow me access my account online, would only offer to send me a letter by snail mail once it was paid in full. I need the agreement for an employment opportunity and explained this. I even read the CFPB statement regarding getting this info in writing and he told me he would snail mail ( no email ) me a copy of my current statement. That isn't even what I needed. I just want to settle or make a payment arrangement and have it in writing to protect myself. 

Also, the phone # listed on the XXXX credit report does not work. I had to XXXX the address in SC and it showed Heights Finance. I then had to call them and they referred me to Covington Credit. 

I spoke with XXXX, op # XXXX. He said the call was recorded. He refused to give me access online to my account.
Product: Credit card

32.99 % Interest rate, {$310.00} in interest on just one monthly bill. Care Credit XXXX Synchrony Bank uses a predatory introductory 0 % rate then explodes interest to make it virtually impossible to pay down principle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX {$460.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  - {$1400.00} Needs Attention
Product: Credit card

XXXX XXXX, 2016 - I received a letter from XXXX XXXX, Legal Recovery Law Offices , Inc saying the Plaintiff : XXXX XXXX XXXX vs Defendant - XXXX. It list no details except that there is a Declaration of Accrued Interest. Interest on the judgement accruing at the legal rate from the date of entry on balances due after partial satisfaction and other credits in the amount of {$940.00}. 

I called the Law Office to know what they are talking about but the was asking for social security and other personal information that I did not want to give. I was wiling to give the case number which is XXXX but the receptionist hung up. I feel that I am being harrassed by this law office and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting uniformed information to my consumer report dated XX/XX/2018. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Product: Debt collection

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYST. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 PayPal processed an unauthorized transaction XXXX. Don't have a PayPal account nor do I transact XXXX XXXX Called PayPal, representative said they would refund the money to my checking account. While I was on the phone with PayPal them having insisted they canceled the account I never had received another email, another unauthorized PayPal transaction {$750.00}. 
They insisted to take over my laptop made repeated mistakes. Have not been able to use my computer for XXXX hours so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I never received credit for a check I returned and never cashed. ck # XXXX for {$2000.00} dated XX/XX/XXXX. 

I was charged a late fee for an illegal, improper debit of my account for a mortgage payment on XX/XX/XXXX while they were holding my check # XXXX for that payment which they had received XX/XX/XXXX via XXXX and did not process until XX/XX/XXXX. 
I believe the late fee of {$20.00} was imbedded in a improperly posted deposit I made to the escrow account on XX/XX/XXXX for {$360.00}. I only received credit for {$340.00} deposit despite the amount on the actual check. 

My mortgage was sold with incorrect balances to XXXX effective XX/XX/XXXX and these issues were never acknowledged or resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not go a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments