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

XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {XXXX}. This information is incorrect. XXXX has finally removed this account off my report. Transunion just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXXXXXX XXXX/transunio/XXXX about reporting false information and not fixing my credit report.
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This company has called more than 7 times in a day also sent servers to multiple residents homes disturbing there families and loved ones asking questions about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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.
Product: Checking or savings account

My debit card have been stolen on XX/XX/XXXX middle of the night & a XXXX $ At XXXX & XXXX $ At XXXX Withdrawal out of my account and on XX/XX/XXXX a XXXX $ withdrawal at XXXX and a cgt debit transfer XXXX was transferred out my account, all my money was stolen from this male name XXXX XXXX on XXXX  when he came to meet my sister at my hotel XX/XX/XXXX going on XXXX when i realize my card was gone
Product: Debt collection

Sent request for verification. Never received information back. But received notice that they were going to put this on my credit report.
Product: Bank account or service

Last Thur I used the outside ATM machine at Citizens on XXXX in XXXX, Ma XXXX. The machine kept my card, for what reason I do n't know. This ATM machine is serviced by the XXXX. They service it every Thur. So I waited a week to retrieve it from the bank. Today I called and they told me they did n't have it. The woman at the bank told me if they had to service the machine in between, they might have thrown it out. So now I have to wait another week, while they order me a new card. I 'll never use that ATM Machine again, but no one should have to wait two weeks for there card, especially if it 's no fault of theirs. I love My Citizens, but a little upset with this issue. XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 



I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX
Product: Mortgage

As of XX/XX/year> my mortgage payments were {$1800.00}. I have a 2 % fixed rate mortgage. Payment breakdown - Principal {$510.00} ; Interest {$390.00} ; Escrow ( Taxes and Insurance ) {$960.00} = Regular Monthly Payment {$1800.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
In XXXXXXXX XXXX XXXX, I received a mortgage statement showing my payment at {$3100.00} - Payment breakdown - Principal {$510.00} ; Interest {$390.00} ; Escrow ( Taxes and Insurance ) {$2200.00} = Regular Monthly Payment {$3100.00} - ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
This represents and increase of {$1200.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
I had received absolutely nothing advising me that this change would take place, so I called to ask NewRez why this change occurred and the employee that I spoke with could not explain and stated that she would order and escrow analysis to be sent to me. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
To date I have received Nothing from New Rez explaining this arbitrary change to my escrow payments. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
Additionally, you can see on my statements that NewRez appears to be billing for unauthorized " property inspections ''. I believe that these are prohibited by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to lodge a formal dispute and seek your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) in relation to unauthorized inquiries that have appeared on my credit report. I believe that my rights under the FCRA have been violated by the actions of the creditors listed below, and I kindly request your intervention to address this matter. 

XXXX  | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports XXXX  | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports XXXX | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports In each of these instances, I have reason to suspect that unauthorized inquiries have been made on my credit report without my consent. I have absolutely no recollection of authorizing these inquiries, and I fear that they may be the result of fraudulent activities. This situation has caused me immense distress and XXXX, as it threatens the financial security I have worked diligently to establish for myself and my family. 

Allow me to share a personal story that vividly illustrates the emotional toll of these unauthorized inquiries. As a single parent working tirelessly to provide for my children 's needs, I have always been vigilant about maintaining a strong credit profile. My creditworthiness is not just a number on a report ; it directly impacts our ability to secure stable housing, access essential services, and plan for our future. Last year, when my eldest child was ready to embark on their college journey, we were heartbroken to discover that the unauthorized inquiries on my credit report had negatively affected their ability to secure the necessary student loans. The dream of higher education and a brighter future suddenly seemed unattainable due to circumstances beyond our control. 

I am fully aware of my rights as a consumer under the FCRA, and I am deeply troubled that these creditors have not fulfilled their obligations to conduct thorough investigations into these unauthorized inquiries. I kindly request that you enforce the provisions of the FCRA in my case and ensure that these unverified accounts are promptly removed from my credit report. My financial well-being and the well-being of my family depend on the accuracy and integrity of my credit history. 

I kindly ask for your guidance and intervention to help me rectify this distressing situation. Please hold these creditors accountable for their actions and ensure that my rights under the law are upheld. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Checking or savings account

Chase bank puts unusually long holds on my funds. I made 2 deposits on XXXX and its now XXXX and the funds are still not available. 
One of the check was a personal check and the other was a check from the state of California.
Product: Debt collection

I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.
Product: Mortgage

During the COVID pandemic, my wife and I requested a forbearance from the bank managing our loan due to unforeseen circumstances we encountered. Sometime in early 2021 was when this took place. In late 2021 around XXXX we called in to remove the forbearance a few months early because we were in a place to continue paying. during the same call we attempted to pay for that month. The call center rep let us know that since we were already in the month of XXXX the payment we were making would go to XXXX, We were told we would not have to pay until XXXX. My wife and I were ok with this and followed through with the process. When XXXX came around we were unable to pay online as usual due to a delinquency on the account. When we called in they said this was because the payment we made was routed to paying off the forbearance instead of our normal mortgage payment which put us a month behind and XXXX was never paid for. After speaking with them they assured us that they would get it taken care of and move the money to the correct places and we were informed this would be noted on the account. so when XXXX came around we got the same call and nothing had been done. This continued for 2 months with them informing us that it would be taken care of. During that process we continue to make our normal payment. Each time the payment is made after the first of the month we are being charged a late fee and our credit scores take massive hits because the bank reports we are over 30 days overdue. The last time I spoke with them I was informed there is nothing they can do now and we just need to pay the late fees and XXXX payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, Experian charged {$190.00} on my XXXX ending in XXXX. I did not agree to the Subscription service so the charge was never completed. Experian has a hold on my XXXX XXXX for {$190.00}. 
Experian is refusing to resolve the issue. I talked to supervisor XXXX and Supervisor XXXX. XXXX. They have had the hold on my account for 5 days! The Merchant Transaction number is : XXXX. I did not authorize the charge to my account and the account with Experian was never created! I contacted XXXX XXXX XXXX and was told that XXXX XXXX XXXX can not stop the transaction. XXXX XXXX XXXX refused to assist to resolve the matter! XXXX refused to contact Experian and Experian refused to contact XXXX XXXX XXXX. Experian says they never charged me! XXXX XXXX XXXX says Experian did charge me and has placed a hold on {$190.00} and denying me access to my funds as a result. I want the Federal to sanction Experian for this illegal conduct. The phone calls were recorded so you have all the evidence you need to take regulatory action on this matter. I talked to XXXX at XXXX XXXX XXXX and the Supervisor at XXXX XXXX XXXX was someone named XXXX. The time of the call was between XXXX XXXX and XXXX for your investigators. This is illegal and violates Federal regulations.
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXXXXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. 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 an 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: Debt collection

I've been trying to contact XXXX so many times and in many ways possible without response, other than regular automated responder from their system, when i called there is not way to have a person to answer my call, it seems that they don't have a real person there, I've been disputing and debt validation through mail with no answer from them, all my right have been violating by XXXX, exposing my personal information and with no responsibility to correct their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access counsel 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. 

On XX/XX/XXXX, the day I submitted the original CFPB complaint, I did see some resolution by speaking with an agent by the name of XXXX. He was able to see the documents, and changed the information online. I was able to pull a report, on XX/XX/XXXX that reflected the CORRECT information. As a result, I responded " yes '' when someone asked if everything was fixed. Unbeknownst to me, someone had changed my social security number BACK to the INCORRECT social security number. 

And the original complaint was closed before I could locate my login credentials for the CFPB to respond that it was in fact, NOT fixed, that it should NOT be closed out. 


Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request
Product: Mortgage

In XXXXXXXX XXXX, I fail behind in my mortgage payments. I requested a Loan Modification when I called. Apparently, I was placed on a TRIAL. I never agreed to the lates hitting my credit report. I did not make a payment in XXXX or XXXX. I was told that the payments would be added to the end of the loan. I did make a payment in XXXX, XXXX, XXXX and until the home was sold in XXXX. In XXXX, I called because the lates were on my credit. The Supervisor, said that it would be corrected. In XXXX, I was trying to purchase a home. I was told that the lates were on my credit. I called XXXX, several times in the course of two weeks. Each representative said I would receive a call back. Some stated it wasn't nothing they could do because the account was closed. I spoke to a supervisor he said the lates would stay and to dispute it with the Credit Bureaus. I disputed in twice and still I did not receive any action. The credit reports are not accurate it stated I was 90 days late in XXXX. A payment was received. Please help to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my loan with Wells fargo they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.
Product: Mortgage

I HAVE JUST REFINANCED A COMMERICAL PROPERTY THAT I PURCHASED TWELVE YEARS AGO. I HAD A MORTGAGE ON THIS PROPERTY WITH XXXX BANK, THEY LATER SOLD MY MORTGAGE TO M & T BANK. AT THE TIME M & T BANK PURCHASED MY MORTGAGE FROM XXXX BANK M & T BANK CHARGED MY MORTGAGE ACCOUNT WITH A TRANSFER FEE OF {$400.00}, WHICH I HAVE CONTESTED THIS CHARGE FROM THE DAY APPLIED TO MY ACCOUNT. ON XXXX/XXXX/2015 I REQUESTED A PAYOFF ON THIS LOAN, PER M & T BANKS INSTRUCTIONS I FAXED THE REQUEST FOR THE PAYOFF WITH MY SIGNITURE. I WAS ADVISED BY THEIR PAYOFF DEPARTMENT I WOULD RECEIVE THE PAYOFF AMOUNT WITHIN 24 HOURS AFTER RECEIVING MY FAX. AFTER FIVE BUSINESS DAYS AND XXXX LENGTHY CALL THEIR PAYOFF DEPARTMENT I RECIEVED THE PAYOFF FIGURES THAT I REQUESTED. ON XXXX/XXXX/2015 WHEN I CONTACTED M & T I WAS NOT AT ANY TIME DURING THIS FIVE DAY AFAIR THAT THERE WOULD BE ANY SPECIAL FEES. 
WHEN I MADE MY REQUEST ON XXXX/XXXX/2015 FOR THE PAYOFF I INFORMED THE BANK THAT I HAD A CLOSING AT XXXX XXXX/XXXX/2015. I DID NOT RECEIVE THE PAYOFF UNTIL XXXX PM XXXX/XXXX/2015 AT WHICH TIME IT DISCLOSED THE SPECIAL FEES THAT HAD BEEN APPLIED TO THE PAYOFF ON THIS LOAN. THE {$400.00} CHARGE THAT I HAD DISPUTED, A {$770.00} " 60 DAY NOTICE FEE?? ", {$290.00} RELEASE FEE, {$100.00} A PAYOFF LETTER FEE. THE TOTAL ADDITIONAL CHARGES FOR {$1400.00} I WAS FORCED INTO PAYING IF I WISHED TO CLOSE THIS LOAN I HAD NO OTHER OPTION. I HAVE BEEN PAYING M & TBANK 7.5 % WITHOUT THE OPTION TO REFINANCE WITH THEIR BANK. MY LOCAL BANK PROVIDE A XXXX XXXX RATE ON THE REFINANCE. MY ATTORNEY WHO IS IN HIS XXXX YEAR IN HIS PRACTICE, THE FINANCE OFFICER THAT PROVIDED THE LOAN HAD NEVER CLOSED A LOAN WITH SUCH UNRESONIBLE PAYOFF CHARGES. AS THE CONSUMER DO I HAVE ANY LEGAL RECOURSE?
Product: Credit card or prepaid card

regarding CFPB Case # XXXX - There is still a discrepancy of owing me {$100.00} from a duplicate charge in error. I was charged {$120.00} 3 times, was credited back {$120.00} two times. I have a printout receipt from the store that I only received goods totaling {$28.00} which means I am still owed {$100.00}