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

I have reached out on 4 occasion XX/XX/2022, XX/XX/2022 & XX/XX/2022 via certified mail and XX/XX/2022 via phone to Fraud Department. 

I have reviewed my credit report and they have XXXX incorrect so called versions of my name. None of which are my correct name. Also XXXX address in which i have never reside. I know we have the right to a clear and accurate credit report which i have told them numerous time yet they refused to remove this inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax & XXXX , credit reporting agency 's, 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an opened personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was informed on XX/XX/2017 by XXXX XXXX that I was approved for a loan modification. XXXX said I would received the modification by XX/XX/XXXX or contact him if not received. XXXX explained that they could not fit the 4 percent on the modification and I will have 4 months of a trial payments. If I did not want to receive this offer XXXX stated unless you have {$8000.00}. XXXX explained after the 4 month trial payment the mortgage can increase due to taxes. XXXX instructed me to do XXXX and all instructions will be included in the modification package once received. Question was will this Loan modification will be a permanent modification.
Product: Credit card or prepaid card

I have no idea what this attached email I just received is ... 
I am concerned for my privacy on my XXXX account. Below is context of email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your XXXX XXXX  credit card statements/payments x Synchrony Bank XXXX XXXX ( 2 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your XXXX XXXX Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX XXXX Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.
Product: Student loan

My student loan was with Navient and was past due but went through a recovery program and was transferred to XXXX in 2018. I am trying to get approved for a mortgage however my credit report is still showing that I have an open loan with Navient that is over XXXX day past due. I have called Navient twice. The first time I was told once that I would qualify for a " XXXX time courtesy update of my credit report '' I called back after XXXX business days and was told that it was rejected. I asked why and was not given any answer. I asked that a XXXX ticket be put through explaining that I need the reporting to show no past due balance and that the loan is closed. I was told that this would take typically up to XXXX months to be processed but they would ask that it be " escalated ''. Navient does not notify anyone when a ticket is rejected or accepted so there is no way for me to know when or if this will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report, through XXXX, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It  states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report. <P/>The company attached to this false report is : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY-XXXX ( XXXX ) XXXX
Product: Mortgage

I got a mortgage loan through Quicken loans. I started this process on XXXX/XXXX/XXXX. My closing date was on XXXX/XXXX/XXXX. The original closing date was supposed to be on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I learned that the loan was changing from a " second home '' loan to an investment property, resulting in a higher interest rate and loan fees. My original loan officer never shared this with me that there could be some concern about this new home purchase. In discussing this issue with my broker, she indicated that the actions of Quicken Loans were deceptive and perhaps fraudulent.
Product: Debt collection

They call my personal cell phone XXXX or more times a day. They call my job and leave embarrassing messages with my coworker. They call my husband 's cell phone twice a week or more and today XXXX/XXXX/XXXX they called my husband 's job. This has been ongoing since XXXX. I have asked them to stop calling my friends and family and they wo n't stop. It is always this lady named XXXX who crosses the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This complaint is in reference to # XXXX. This loan was paid in full however, this is showing an active loan status with a balance. This information is incorrect. Please correct this information immediately. I've tried several times to have this address to no avail. I am being told I have XXXX accounts with BMG on my credit report. Please address this issue. The previous loan that was paid off, happened in XX/XX/2023. That was more than 4 months ago!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated that the balance on my account is due to the XXXX  deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX  deductible out of the settlement check before they even paid XXXX so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX  dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous dispute regarding two accounts that remain inaccurately reported on my credit report. Despite my previous communication via mail dated XXXX XXXX XXXX, I have recently obtained an updated copy of my credit report, which still shows the same discrepancies. These inaccuracies are adversely affecting my creditworthiness and financial standing.
Product: Checking or savings account

It's XXXX a few years since I had this account, I don't quite remember dates and amounts. I was charged everyday for 3 weeks seen overdraft fee, if I recall correctly, {$35.00} every day.
Product: Bank account or service

Webster Bank in their Marketing Brochure offered a 1.25 % rate to open a new Premier Savings account. With a XXXX deposit by XX/XX/XXXX. I would earn this rate up to balances of XXXX until XX/XX/XXXX. They refused to open this account for me saying that I already have and account ( s ) with their bank which I did but closed all them. 
Under Premier Savings 1.25 % offer paragraph on the back of the Marketing Brochure it says nothing about having to be a brand new customer to take advantage of this offer.
Product: Credit reporting or other personal consumer reports

Again, 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. 
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 XXXXXX/XX/year>
Product: Debt collection

billed services were not billed correctly by medical office talked to billing about debt and had to have insurace talk to them to tell them they were billing incorrectly and that it was needed to be fixed. had 2 insurances told i couldnt use 2. Called medical office and had them update billing to childs father since that was where they were residing and now this bill was sent to collection. I sent a letter to collection agency XX/XX/XXXX asking for validation of debt and no response now im being sued. I have contacted insurance for payment adjustments and asked medical office to send me all adjustments and payments. neither have furnished these documents. insurance is sending paperwork to me. medical facility has not furnished paper work and i called on XXXX 
Also i have 2 statements with same date and invoice number but amounts are different and name of patient was spelled wrong for months even tho we corrected it in office Medical debt is with Family connections XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Debt collector is National Account Systems of Omaha
Product: Credit card

Between XXXX and XX/XX/year>, I made eight attempts to enroll in Capital Ones hardship program, only to face repeated obstacles. Each time I called, I was told that I needed to submit documentation verifying that my payment account was mine. I went through this process at least five times, submitting the required documentation on every occasion. Despite my efforts, two representatives I spoke with expressed confusion as to why the restriction on my account had not been lifted, especially since I had provided the correct information. One representative even submitted a formal complaint on my behalf about the ongoing issue. 

However, despite these efforts, every time I checked my account to see if the restriction had been removed so I could enroll in the hardship program, the restriction remained in place. This led to the very consequence I had been trying to avoid : Capital One reported my account to the credit bureaus for late payments, even though I was actively working to prevent that from happening. Now that the late payments have been reported, I am left with no choice but to enter a repayment plan. 

I can't help but feel that this situation was intentionally set up to harm my credit history, which will have long-term effects and make it incredibly difficult to engage in any credit-related activity moving forward.
Product: Debt collection

company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection.

The law clearly states that : IN GENERAL ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

This agency is in violation of 15 U.S. Code 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX back in XXXX of XXXX due to them providing personal information to XXXX party Companys, XXXX XXXX, Equifax, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.
Product: Credit card or prepaid card

There were some unauthorized charges on the account, they refused to remove the unauthorized charges. I paid the accurate amount and now they are charging late fees for unauthorized charges AND reporting false information to the credit bureau
Product: Mortgage

My name is XXXX XXXX, I 'm writing on behalf of my mother XXXX XXXX, property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
In XX/XX/XXXX, my mother was approached by a loan officer of Bank of America for a reverse mortgage. At the time, my mother was diagnosed and legally declared XXXX. The loan officer knowingly gave my mother a Reverse Mortgage while she was declared XXXX XX/XX/XXXX. 
At that time, in XX/XX/XXXX, my mother was not even living in the subject properly listed above. My mother living her Sister, XXXX XXXX. 
I recently spoke to a friend about my mom 's situation, and was told all the activities were done in XX/XX/XXXX was against the law and HUD/FHA guidelines. 
My mom 's property is now in jeopardy of a foreclosure if all he back taxes are not paid up by XXXX XXXX, XXXX. 
I really need your help looking into this matter and stop the foreclosure proceeding since the loan was not even supposed to given to my mother. 1. my mother was not XXXX at the time, and 2. she was not an occupant at the time. 
Any supported documents for my mother 's condition at the time can be provided to support my claim. 
Thank you so much for you time and assistance.
Product: Debt collection

Convergent outsourcing/ XXXX fraudulent account is reporting a collection on my XXXX credit reporting XX/XX/XXXX I submitted a police report and identity theft dispute pursuant to FCRA 15 U.S.C. 1681-c2 identity theft states the credit bureau and debt collector will delete the account and stop it from reporting within 4 business days. Both XXXX and convergent outsource willfully violated the FCRA Act.
Product: Credit reporting or other personal consumer reports

This is my last hope, I have attached supporting documents
Product: Student loan

I had a forbearance with SallieMae due to COVID-19. Apparently when the forbearance was applied my loans were already 55 days late. Once the forbearance expired I only had 4 days to make a payment to keep from being reported to the credit bureau. SallieMae did not inform me of the timeline. I immediately made arrangements to pay and asked them to remove the negative report since my ability to pay continues to be impacted by COVID-19. If SallieMae continues to report my loans are late, I can not refinance the loans to get more reasonable terms and improve my ability to pay them. There are three very specific unfair practices here : 1 ) SallieMae was well aware that I had a forbearance and difficulty paying due to COVID-19, but they reported anyway. 
2 ) SallieMae reports each loan I have separately so it looks like I have 5 accounts in arrears. I have only one account with SallieMae with 5 loans. 
3 ) SallieMae is well aware that I can not refinance my loans to get better terms if they report to the credit bureau, so I am forced to keep my loans with them and pay higher interest rates.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry in question appears on my credit report. I have no association with those creditors and did not authorize any inquiry from them.
Product: Checking or savings account

I just received discovery on this. I rented a car from XXXX XXXX XXXX XXXX in XXXX California on XX/XX/XXXX. I was in a dispute with Wells Fargo Bank concering the total amount charged with XXXX XXXX a XXXX. 
With a balance in my Wells Fargo checing account ending in XXXX of {$190.00}. 
On XX/XX/XXXX. I see Purchase Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX Redding, CA {$1700.00}. Confirmation Number : XXXX on my Wells Fargo XXXX XXXX XXXX ending in XXXX. 
XXXX XXXX. This account is NOT CURRENTLY COVERED BY OVERDRAFT PROTECTION. 
How could this happed?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They XXXX consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all XXXX consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all XXXX consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.