23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In order to prevent a late payment due to the busy time during the holidays, we decided to mail payments a week before the end of the year. Dating the payment check on the first of the due month ( as we normally do ), Provident Funding received our payment days before the check could be cashed. Instead of keeping it until the following business week, they decide to return the check to us, along with a polite note stating that they do not accept post-dated checks. The letter was dated XX/XX/XXXX, and the check was dated XX/XX/XXXX. We 're now facing a possible late charge because of their unreasonable policies and practices. We prefer to send physical checks because of the security risks of having bank information stored online, but we now see that this can not be avoided because the companies themselves are encouraging it, therefore making themselves targets of cyberattacks.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for XXXX and XX/XX/XXXXXXXX  for Equifax. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to XXXX  my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX XXXX shows XXXX $ creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for XXXX. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Bank account or service

When I signed up for my bank account, I opted out of the option to allow my account to go negative for overdraft purchases. My debit card is supposed to be declined if the account is overdraft or if the transaction will allow me to go negative. However, on XXXX/XXXX/16, my account was overdrawn because of debit card transaction and I was charged {$180.00} in overdraft fees. Since this was also a holiday weekend, the transactions posted to my account very late and were n't posted in order. I contacted my bank online via their messaging system and asked them to remove the fees as my debit card should not be allowed to go negative and my card was not declined. I did not receive a response. I called them on XXXX/XXXX/16, 2 weeks after I sent the message, and I was told that my account was opted in to allowing my account to go negative for debit card purchases and that I could not have the fees waived because of that. I explained that when I signed up, I specifically said I wanted the option for my debit card to be declined if my account is negative and they should also have the forms confirming that in writing, the forms were filled out with pen. If they made an error and registered my account incorrectly for their own benefit, they need to waive the overdraft fees.
Product: Credit reporting or other personal consumer reports

Portfolio recovery is reporting fraudulent information. The account is not mine. I asked for an original contract with my signature. As to a copy of a contract Is null and void and does not show proof that the account is mine. They are also dishonoring the cease and desist I have mailed them and attached with all of my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Discover keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to XXXX many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you
Product: Student loan

My loans through Navient were disbursed on XX/XX/2007 with loan 1 original principal of {$12000.00} and loan 2 original principal of {$10000.00}, both with an interest rate of 6.65 %. As of today my principal on loan 1 is {$22000.00} and loan 2 is {$13000.00}. When I looked at how my payments were being applied, I realized that nearly 100 % of my payments were being applied to interest. Of the {$7300.00} I have paid toward these loans, only {$710.00} has been applied to the principal. The Capitalized Interest has added {$13000.00} to the principal since there is practically no reduction in principal each year. My current balance is {$36000.00}.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, XXXX USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ( Original Creditor : ). ACCOUNT XXXX TRANSUNION- Account name XXXX CLARO. Account number : XXXX Account name : XXXX . Account number:XXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX XXXX payments and my good standing with zero past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in XXXX, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my XXXX XXXX. Attached are also the card statements of XXXX and XXXX. In the XXXX Credit card XXXX statement there was not any XXXX yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as Experian had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for more than 7 months. After investigating with XXXX XXXX XXXX XXXX where I do have a XXXX  XXXX account since XX/XX/XXXX with zero past due since 6 years, we have got a letter dated XX/XX/XXXX from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. XXXX XXXX was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX XXXX XXXX. I was unaware of this company  and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
Product: Money transfer, virtual currency, or money service

The following was paid out as a purchase on paypal. Unfortunately, I didnt realize until I reached out to them today that it was a personal purchase and was not a business. I was scammed off instagram and can not remember the account name. 

XXXX XXXXMoney Sent " XXXX '' - {$130.00} Repeat this transaction Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( JPMORGAN CHASE BANK XXXX ) {$130.00} Your backup is XXXX XXXX Transaction ID XXXX Contact info XXXX Note XXXX Details Sent to {$120.00} Fee {$4.00} Total {$130.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, ( XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This response by Goldman Sachs Bank USA indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and Goldman Sachs Bank USA, or my non-public private information, to be furnished or published by Goldman Sachs, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and others. 

As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within XXXX business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 


See attachment.
Product: Mortgage

On XX/XX/2019 I scheduled two payments with my mortgage company, Mr. Cooper. {$620.00} was to be processed that day. The next payment was for {$1200.00} to be withdrawn on XX/XX/2019. 

The representative read back and confirmed the payments with me however she processed all of the payments that day. This caused my checking account to become overdrawn by a very large amount and my bank refused to place a stop payment on the transaction. 

I contacted Mr. Cooper who admitted that that they were at fault by withdrawing the money early but refused to offer any additional assistance in rectifying the situation. 

They have told me that the money was returned but it has not been. I am now facing foreclosure anf have tried to send additional payments but they have all been returned by Mr. Cooper.
Product: Checking or savings account

I was at home sitting heard a notification came in on my phone, my BOFA account was unlocked without my permission at approximately XXXX upon trying to log in to my account. Notice that I was unable to get any access whatsoever to my online banking. Since then Ive tried to reach out to the company via using there steps & guidelines online through XXXX, maybe over an hour using my accounting number/ card number still wasnt able to get to customer service nobody whatsoever. Because the online automation is telling me that my account/ card number doesnt match with the same number used to open the account isnt working. Ive got over XXXX in my safe balance and I need to know or where to get help with my financial situation urgently..Need to know why Im block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need transunion as well as XXXX  and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXX XXXXXXXX XXXX
Product: Credit reporting

I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent the 3 credit bureaus multiples complaints to show me proof that the account is mines, still no avail of them showing me. 

They still to this day continue and furnish frivolous information. 

I want this to end today, and for them to remove this account. 

I want the documents that i asked for which is my right to do so. 

If they cant provide that to you, have them to remove the negative tradeline ASAP.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items in my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of these items as it is incorrect I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit this fraudulent. I have multiple hard inquiries on my credit report which is very disgraceful for the companies to do without caring about the impact it holds! The companies included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have wrote disputes to XXXX XXXX sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To XXXX XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 
Account numbers XXXX XXXX  XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact. 
Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement.

4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 

This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law. 

Please verify these accounts or delete from my credit report send me a copy of my updated report. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian because the information was inaccurate. I highlighted which items had discrepancies as compared with my XXXX  report and I requested that the information be removed. They have not removed the inaccurate information. Thank you.
Product: Credit card or prepaid card

In XXXX I contacted Discover credit card because I was laid off of work and asked if it was anything they could do to assist me with my credit card payments. The informed me they could lower my interest rate which would decrease my payments to {$120.00} for 6-months. Once I returned to work, I contacted them and ask if I could come off the plan because I needed to use the card to put gas in the car and for expense until I obtained a check to get back and forth to work. At that time I was informed that I could come off the plan but would not be allowed to use my card, as of today I am still not allowed to use my card. Not at any time was I told that if I got on that plan my credit card spending privileges ' would be suspended once I returned back and I would not be able to use my card. I explained to them that I was never informed of that and I would've never went on that plan if that was the outcome. The agent did not explain that to me when she enrolled me on the plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed the XXXX / XXXX XXXX account but it still shows on equifax and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court