23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My current experience with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX to XXXX which we believe to be related to XXXX XXXX but was never proven. I was left a XXXX XXXX XXXX XXXX  to barely survive I was able to file bankruptcy and maintain the bills until 2 years ago when the VA cut my XXXX XXXX per policy of I should have been adjusted. In XXXX of XXXX I became behind on my mortgage to provide basic needs for my children. Long story short I have applied for assistance from mortgage company several times 2 months after missing payments of which they have refused and since foreclosure are beginning again in XXXX I was told that because my name is only on the deed and the mortgage but not on the loan I would have had to assume the loan before I ever became delinquent. In XXXXXXXX XXXX XXXX XXXX XXXX charged me XXXX for XXXX month of insurance saying insurance lapsed never notifying me that insurance was canceled. Down to recently in XXXX I was awarded successor of interest with a letter stating such to XX/XX/XXXX denial of loss mitigation stating I am not successor of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX

As per the requirements of Section 605C, I am providing the necessary documentation that verifies my status as a victim of XXXX XXXX  The debts and/or negative information appearing on my credit report are a direct result of my experience as a XXXX  victim and should not be used to assess my creditworthiness. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I was able to open my checking account with Truist on XX/XX/23, but the account was forced to be closed due to an automated fraud alert. The exact date of account closure is unknown. However, when I called the bank and requested my opening deposit be returned to me via check in the mail, they informed me that they would not be able to return my opening deposit unless I went in person into the branch. This is unreasonable as I am XXXX XXXX, and making a trip into the branch is a great hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end Consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

ayments Status Date Amount Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} What are these late fees for, XX/XX/XXXX the portal said I owed {$0.00} how can there be late fees and please provide the disclosure of these fees and from what months they are from in writing. I have not received any of my flood insurance refunds dating back from XXXX when Mr. Cooper was provided proof from numerous sources on a monthly basis. it is in excess of {$3000.00}, the number has changed every time I contact someone probably a result of Mr. Cooper 's incorrect handling of partial payments where is the excess fees that were paid above my tax payment? I don't know where those funds were allocated, did Mr. Cooper simply tack on arbitrary late fees to cover those funds that were stolen? The misrepresentation of the mortgage loan transactions and payment history in your online account is dubious, I have requested. I believe Mr. Cooper is violating the Home Mortgage Disclosure act by consistently failing to report accurate data about mortgage transactions, as if you don't have borrowers ' information correct, how can reporting be correct? XXXX Error resolution procedures have not been followed as well. I do not have the funds returned that should have been returned 15 days following the notification of error that Mr. Cooper acknowledged. This matter needs to be promptly investigated.
Product: Debt collection

This debt is considered to be statute of limitation last payment made in 2014 limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.
Product: Bank account or service

Citibank targeted me with a sign up bonus promotion of XXXX Thank You points for enrolling in their CitiGold checking account service. I completed all the requirements to receive this bonus, but now I am being denied this request. I have documentation from them that I have met the sign up requirements, but their latest communication to me is that I am not eligible for the bonus.
Product: Payday loan, title loan, or personal loan

When I took out the loan I did not understand the terms that I would be paying almost 600 monthly and that the payments were biweekly if this were made clear I would have never taken out this loan.
Product: Credit card or prepaid card

Monthly for the past six ( 6 ) months, on the XXXX of every month backward from and including XX/XX/2021, Square  ( also called " XXXX '' ) payment processing service continues using my debit card/XXXX  account numbers to take payments for canceled services. 

As attached emails, documents, and bank screenshots show, every attempt, by me and by XXXX XXXX branch of XXXX XXXX XXXX, to stop these thefts has failed. 

Furthermore, that every contact with Square follows an identical profile strongly suggests that we have not been dealing with actual human beings at all, but instead with an AI ( artificial intelligence ) computer program that was designed to perpetuate fraud by imitating humans, thus deceptively leading complainants to believe that their complaints are being addressed in good faith. This problem is so widespread that the US/FTC recently issued a ruling to cope with it.
Product: Checking or savings account

I have had one savings accounts with Wells Fargo closed without notifying me. With my two checking accounts, they charged me overdraft fees while the account had funds. Their accounting practices cause my account to read faulty, not providing me with accurate account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX I recieved a correspondance from transunion regarding the results of the investigation file number XXXX XXXX, Upon carefully looking at the report i noticed that the investigations results regarding in anledged bankruptcy report XXXX XXXX XXXX Indiana XXXX # XXXX. Transunion is stating that they verified is accurate on a previous dispute I included a letter from the bankruptcy court stating that the court and the clerk does not sell or provide the information that is considered under the fair credit reporting act 15USC1681 I have a right to privacy and they have not contained consent as requied the fair credit reporting act to publish personal information under 15USC code 1681e compliance procedures section b the accuracy of the report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. In 15USC 1681 section 602 states Congressional Findings and statement of purpose 15 USC 1681. a. ) Accuracy of fairness of credit reporting The congress makes the following findings. section 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilties with fairness, impartiallty, and respect for the consumer 's right to privacy. Under section e the term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a crditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In the same report i recieved investigation results regarding XXXX XXXX XXXX finance account number XXXX I previously disputed some late payments that is being reported by XXXX XXXX. Transunion has failed to conduct a proper investigation regarding the accuracy of the late payments. 15 USC 1666b timing of payments the late payments are being recored by XXXX XXXX XXXX XXXX  is incorrect and must be deleted immediately.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i check my credit report and i noticed XXXX account is not my i never used and never get any benefit for this is the company XXXXXXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

date open XXXXXXXX XXXX Loan type : child support Balance : XXXX florida department of revenue This company has violated 15 USC 1681a ( 4 ) Right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX  & XXXX continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.
Product: Vehicle loan or lease

This is the second time to encounter this similar issue. Check the Bank of America website for auto-loan rate, it shows as low as XXXX for a XXXX term and also indicates. the rate of " as low '' does not include the relationship discount. 

So I moved forward to submit a pre-qualified application. Later, I received an email to notify I was approved and asked me to call the loan officer. 

After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, get an " industrial standard response " that the rate is based on the various factors ''. I further request what to do to get the best rate. The loan officer responded that if I increased the amount, the rate would decrease some. But it is still much higher than the advertisement rate. I further ask that if that take into consideration of relationship discount, the loan officer responded yes. 

I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), and I have bank with them more than a decade, never default, and currently platinum tier ( second from the top, top is diamond ) relationship, XXXX XXXX also considered low, and i don't what whatelse could prevent me from get the lowest rate or any of factor that i can expose them to higher risk. If the bank implements risk-based pricing which utilize the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weight different risk factors accordingly. Anyway, the loan officer can't and didn't provide any further explanation or point out any specific reasons that I could expose them to higher risk from the record on his end. 
This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX  XXXX # XXXX ..... 
XXXX XXXX # XXXX .... 
XXXX # XXXX .... 
XXXX XXXX # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # XXXX ...... 
XXXX XXXX XXXX # XXXX ....
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} GRAIN XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019, LVNV funding LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further review, this account was transferred/sold and I am no longer responsible for this account. Also, there was NO form of communication, contract, or signature for the accused debt at all. A Bill without a signature does not validate the debt and anyone can send a bill in my name and say its mines. LVNV has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, several unauthorized accounts and credit inquiries have been made in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8100.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$790.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$260.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2020 I called XXXXXXXX XXXX   and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXXXXXX XXXX  customer service told me to do.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit report and sent multiple dispute letters to Experian regarding inaccurate accounts. Despite my efforts, Experian has failed to investigate and correct these inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information. 

15 USC 1681s-2 : Failure to investigate and correct disputed information reported by furnishers. 

15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information after a dispute. 

15 USC 1681c ( c ) : Reinserted or retained outdated or harmful information. 


I recently became aware of the CFPB lawsuit against Experian for conducting sham investigations of consumer disputes, which aligns with my experience. Their negligence has harmed my creditworthiness, impacting my ability to secure credit, employment, and housing.
Product: Credit reporting or other personal consumer reports

Identity thief XXXX data breach am writing to notify you that I have been a victim of identity theft, and my personal information was involved in the XXXX data breach. I request that you investigate and remove the following accounts from my credit report, as they were fraudulently opened in my name without my authorization : XXXX XXXX XXXX XXXX Balance : {$1300.00}, Reported : XX/XX/XXXX XXXX XXXX Balance : {$480.00}, Reported : XX/XX/XXXX XXXX XXXX- Balance : {$180.00}, Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX- Balance XXXX {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Balance : {$400.00}