23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Flagstar bank , FSB made unauthorized modifications to my home load mortgage. They took over my loan and started servicing XX/XX/2019. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out when they took over the loan and entered an incorrect mailing address that was unrelated to borrower and without borrowers permission. Apparently, the address was gathered through 3rd party means and unrelated to the borrower. All written notices were sent to that address and upon no response put the It has caused ALL correspondence was sent over a wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. In accordance with the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. At this time Equifax is reporting a collections account with only the account number, date opened and updated along with a balance. There is no other information to show this is a legit account. The account number is XXXX, opened date XX/XX/XXXX, updated on XX/XX/XXXX with a balance of {$420.00}. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Payday loan, title loan, or personal loan

The payday loan company has charged me an excessive amount in interest fees and finance charges. The amount paid is five times the amount of the loan. According to Truth in Lending Act, federal law prohibits charging more than 2.75 % interest per month in the state of Maryland. The original loan amount of {$600.00} that was established on XX/XX/2019 has been satisfied as of XX/XX/2019. This company operates by extortion and it's time to see this stop.
Product: Credit card or prepaid card

I applied for a credit card ; somewhere during the process they change my last name to the city I reside in and issued credit using my SSN information under a name that is in no way tied tied to my SSN # ; this is concerning that anyone could have opened Credit in any name Using my SSN # ; They refuse to look at the process and make any corrections. Without me now sending Legal Documentation of Who I am ; I have no problem doing this, but they Company needs to be held responsible in issue Credit in Fake name. Also Concerning they are unable or unwilling to check their computer data base to see who or why the change was made by their own Employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX lease I took out in XX/XX/XXXX while living in XXXX XXXXXXXX, CO. The account no. is XXXX. I had a financial situation and voluntarily turned the leased car in early in XX/XX/XXXX and I stopped paying for the car at that time. 

So, that account went delinquent in XX/XX/XXXX and it has now been more than 7 years since the date of last delinquency. XXXX however are continuing to report to the credit agencies ( as of XX/XX/XXXXXXXX XXXX  ) this is a current, paid as agreed account when when they know its been delinquent over 7 years and thus should have now fallen off of my credit reports. 

It appears that by marking my account as " Current or paid as agreed '' with a past due amount of {$16000.00} XXXX is trying to " reage '' my account making it look as though it hasn't been delinquent for more than 7 years -- which it has. Concerningly, on my Experian credit report they even show false payments being made on time in XXXX to XXXX. This NEVER happened. The account has been delinquent since XXXX. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores.
Product: Debt collection

{$230.00} is owed and the company handed it off to a collections agency who keeps excessively emailing me.
Product: Credit card or prepaid card

On XX/XX/2021 I requested an increase in the credit limit on my Wells Fargo credit card ending in XXXX. While I recognize I had recently requested an increase, since that time my financial circumstances have dramatically changed since I relocated, started my first career job after graduating from college, and purchased a condominium. On the same day, Wells Fargo issued a denial letter without considering my current credit worthiness. 

My call to Wells Fargo resulted in connecting with a representative who had no interest in helping me through the process to secure the requested increase in my cards credit limit. She never requested the information I was prepared to provide as justification for my limit request. She simply indicated I would receive a letter with a decision, a decision she knew would be a denial without the additional information I was ready to offer. She was abrupt to end our conversation. 

Had the representative shown the initiative to ask for information which supports my current request for a credit limit increase she would have learned : My credit score after taking a hit during my condo purchase process was XXXX I have equity of more than 20 % in my recently purchased condo I am fully employed earning income sufficient to qualify for the increase I requested I have a relationship with Wells Fargo beyond this credit card account Subsequent to that abbreviated conversation, Wells Fargo never initiated contact with me to secure the information I was prepared to provide to support my request for a credit limit increase. Wells Fargo simply moved ahead and denied my request. 

My complaint is Wells Fargo, following the process described above, denied my request without allowing consideration of additional information which supports my credit worthiness for such a credit limit increase. I respectfully request 1 ) the CFPB present my concerns to Wells Fargo and 2 ) Wells Fargo use information about my current credit worthiness to reconsider my request.
Product: Debt collection

I financed a new HVAC system for my home through a company called GoodLeap. The amount financed was {$24000.00} exactly. The loan was dispersed on XX/XX/XXXX. According to the loan agreement that I signed before installation, daily interest would begin to accrue one calendar day after the credit start date, which was XX/XX/XXXX. I contacted the company on XX/XX/XXXX, one calendar day after the credit start date, with the purpose of paying the loan in full and thus preventing further interest from accruing. At most, I would need to pay one day 's worth of interest. I was told that they were unable to accept a payment of any kind because the " payment portal '' had not yet opened. This is something to do with their computer system. I was told the " payment portal '' would be open on XX/XX/XXXX, and I could make a payment at that time. In the meantime, my loan would continue to accrue interest on a daily basis. Nowhere in the loan agreement was it mentioned there would be a period of essentially forced interest. I complained and escalated the issue, requesting my payment be taken immediately or interest halted until I could pay on XX/XX/XXXX. My requests were denied. I am essentially being robbed by the company refusing my payment and applying further interest. I did reconnect with the company on XX/XX/XXXX. They told me they would accept a payment, but that my account had accrued interest of over {$300.00}. I asked how that could be, since I took out a {$24000.00} loan with an APR of 12.99 % and it had only been accruing interest for a total of 4 days maximum. The representative was unsure and told me he would call me back. I have not yet received a call back, meanwhile, my account continues to accrue interest and charges at a rate that does not align with the original loan agreement, which I do have a copy of. I am currently attempting to stay in contact with the company over this issue, but am getting nowhere.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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

I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies Experian, XXXX and XXXX. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, imediately Account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent transUnion certified letters staring on XXXX/XXXX/2017 and XXXX/XXXX/2017 about inquiries that are unauthorized and on my report, Transunion hasnt disputed them or deleated them inwhich they are not going by the law ... these are the unauthorized inquiries that must be removed from my report ... XXXX2017 ... XXXX2017 ... XXXX XXXXXXXX/2017 ... XXXX2017 ... ... XXXX XXXX.XX/XX/2017
Product: Credit card or prepaid card

Saks has charge a purchase to my account that I never received. Ive tried to resolve the issue with Saks Off 5th, but, no one has refunded me for a purchase that has not been shipped. They refuse to pay for the return shipping for a product that was never ordered by me. Please credit my account for this fraudulent transaction.
Product: Checking or savings account

On XX/XX/2021 I noticed my card kept being declined, despite me having money in the account. I contacted my bank ( XXXX ) to find out why and was told my account was frozen and they were doing a routing review and I cant access my funds during that time. I never received an email from them stating why my account was froze or how long their review would be. Customer support said they could not put me in contact with the department that does the reviews and hung up on me. When I email them for an explanation and a refund of the money in my account, I keep getting a generic response. They are stealing peoples money under the guise they are doing a review.
Product: Checking or savings account

Capital One advertised {$500.00} bonus if $ XXXX was deposited in to their account. Specific wording : $ XXXX in total deposits by XX/XX/XXXX, Deposits totaling $ XXXX were made on the following dates : XX/XX/18 - $ XXXX XX/XX/18 - $ XXXX XX/XX/2018 - $ XXXX There were some withdraws in that period. The offer never said that $ XXXX had to be in the bank account at any one time. Only $ XXXX left until the XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Capital One Auto Finance and XXXX XXXX XXXX XXXX by Phone, certified mail, and email regarding the inaccurate information and missing information in my balance history in my credit file with Capital One Auto Finance. I have been trying to get the inaccurate and the missing information correct, since XX/XX/2020. I am extremely appalled by how the investigation has been handled. I have filed five disputes with XXXX XXXXXXXX XXXX XXXX regarding the inaccurate information within my credit file with Capital One Auto Finance and every single time the results that have come back stated that the data was updated and is completed. But, the information has not been corrected nor updated!!! In the meantime, I kept losing points on my credit score due to filing a dispute. 

I have gone back and forth between Capital One Auto Finance and XXXX XXXX XXXX XXXX, both keep giving me different information. Capital One Auto Finance has shared that they send out payment information monthly to all three credit bureau. XXXX XXXXXXXX XXXX XXXX are sharing they are not getting the information. Instead of correcting my credit file, they keep blaming the other. 

I have never been late on my installment loan. All the inaccuracies started in XX/XX/2020 of last year. Within the balance history on my credit report with XXXX XXXX XXXX XXXX for my account with Capital One Auto Finance, there are six ( 6 ) months missing and for some of the months that are listed, it shows I paid {$0.00}. I have provided payment to XXXX XXXXXXXX XXXX XXXX but they stated that the information has to come from Capital One Auto Finance. I have submitted proof that shows these inaccuracies to Capital One Auto Finance and I was told that they have sent the information but they can not make XXXX  put the information into their system. This is the information from XXXX  If your creditor reported your account balances to us, we list them in this section as additional information about your account. This section includes the scheduled payment amounts, amounts actually paid, and the dates those payments were made. This has not been done!!! 

The payment history is correct but it is my balance history that is not correct. There are figures missing out of the equation within my balance history that make a big difference when it comes to your credit score. I have lost 39 points due to the missing information within my balance history. 

I really did not want to file a complaint against XXXX or Capital One Auto Finances with the Consumer Financial Protection Bureau but it is affecting my credit score.

Please see attachments 1 and 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for COVID forbearance with XXXX XXXX XXXX XXXX  initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance. 

When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and XXXX XXXX  XXXX XXXX reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX. 

XXXX XXXX XXXX XXXX incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with XXXX XXXX XXXX XXXX, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a 2nd forbearance processed and no payments made on the account until XX/XX/XXXX. 

Since my account was on COVID forbearance and I have proof of that request, I advised XXXX XXXX XXXX XXXX that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on the credit card is paid, I have submitted receipts and proof from the collection company. Experian is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have multiple accounts with Synchrony. After multiple attempts I can not " register '' my account to access online scheduling pay tools
Product: Debt collection

Barclays is harassing me nonstop. They have hired XXXX XXXX XXXX to collect a credit card debt from me. I fell on financial hardship and am unable to get ahold of anyone to try to resolve this. They are using auto dialers but when I try to get through to them, I am always passed around. I will settle for less than owed if Barclays will work with me. The harassing me has got to stop and the attorney they hired XXXX is of no help. i will not be treated like i am less of a person or told that I should n't use credit if I ca n't afford it. That is unprofessional!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit card or prepaid card

Comenity Bank violated the FCRA by not telling me the credit reporting agency used to deny my credit application for a XXXX credit card. Instead I was given erroneous information about the denial. Comenity Bank admitted to the illegal practice in their response to a complaint that I previously filed with the CFPB.
Product: Credit reporting or other personal consumer reports

TransUnion has reported on my credit report an old account that keeps showing up on my credit report, I've attempted numerous time to explain and dispute with TransUnion that the account XXXXXXXX XXXX account ending for the amount of XXXX XXXX and XXXX Dollars, Is an Old Account and to please take off my credit report. TransUnion fails to do a proper investigation with no reason on why this old account is still on my credit report. One year the account XXXXXXXX XXXX ending in in the amount of XXXX XXXX and XXXX Dollars, will disappear and next it will show back up. Please Note : that Transunion, and XXXX both have different balance of this same account proof of that is is in the CFPB portal Having two different balance on the same account between XXXX and TransUnion is a violation through the Fair Credit Reporting Act. 

Transunion showing in the amount of {$110.00} XXXX showing in the amount of {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/2016. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.
Product: Payday loan

Today XXXX/XXXX/2016 at XXXX XXXX XXXX from Ace cash express called my place of work and told my CSR that I needed to come in and pay on my loan I had with them. I got the message and was embarraseed that my personal business was told to my work associate. I thought that the FDCPA protected consumers like myself from issues like this.