23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a mortgage with U.S. Bank since XXXX of XXXX. I have never missed a payment or had a late payment. The mortgage was for 15 years and I needed to restructure it since I could not afford the balance of {$67000.00}. 

I started negotiating with US Bank in XXXX of XXXX, two months prior to the expiration of the loan. They did not return calls, personnel were unavailable or did not call back when scheduled. In XXXX, they refused to accept the monthly payment. I have sent in all required documents in a timely manner and confirmed that US Bank received everything they have requested of me. 

On XXXX XX/XX/XXXX, I received a certified letter requesting a payment with late fees totaling {$1100.00}. I sent a check for the requested amount via certified mail on XX/XX/XXXX as they were still going through the underwriting process. On XXXX XXXX, they returned the check stating they could not accept the partial they had requested via certified mail. 

On XXXX XX/XX/XXXX, I received a packet with updated valuation of the property listed as {$150000.00} with current pictures taken on the XXXX of XXXX. I was not aware anyone came to my house to take pictures and no one conducted a current appraisal of the property.
Product: Checking or savings account

Its all with the same issue I had before having my cards stolen and unauthorized charges on my cards. I have reached out to Moneyline and they have tried to deny my claim without telling me why which also makes no sense because it was a store so clearly someone isnt doing their job to actually investigate these matters.
Product: Credit reporting or other personal consumer reports

I called these companies asking how did they get my information as I did not apply for anything. They advised that they received an online request for a loan for a vehicle. I asked that they remove the inquiry and they advised they can not as they are not sure who requested the loan because it was done online. I have not applied for any vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US DEPARTMENT OF EDUCATION # XXXX XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. These are clear violations of my federally protected rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/XXXX that I was given wrong information. I made 3 payment  arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and equifax as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the inaccuracies in the reporting to XXXX, XXXX and XXXX. JPMCB - CARD SERVICE is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. JPMCB - CARD SERVICE inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something The information being reported for this account does not match between the three agencies, and the discrepancies are as follows :
Product: Credit card

PLAN BY WELLS FARGO TO KEEP CONSUMER IN DEBT I have a credit card with Wells Fargo bank, the interest rate was 10.00 % for the first few years and suddenly about 7 years ago, wells fargo almost double the interest rate, they raised it to 18.60 %. Since these years, I have called bank hundreds of times, wrote complaint letters requesting for reduction of the interest rate and every time my request was denied and they told me that they are not able to reduce the interest rate. After many complaints for many years, they referred me to their executive office, I sent another letter of complaint and requested for the reduction of the interest rate, someone called me from the executive office and again, denied the request. I requested that they should let me know the reason why this request has continually been denied, so that I can work to correct whatever the issue is, but the representative said she will not disclose the reason why my rate could not be reduced. 
In the meantime, Wells fargo has doubled the credit card spending limit by increasing the spending limit on my credit card, within a span of 3 years, the bank increased the credit limit from {$7500.00} to the current credit limit of {$14000.00}, in all of these increases, there was no time that I called to request for any credit limit increase, wells fargo has increased this amount without me asking for it. In my complaint, I told the representative that if my account qualified for credit limit increase, that it should also be qualified for interest rate reduction, but they denied it. 
There may be other card holders who are being subjected to this same plan by the bank to keep card holders in perpetually in financial debt, this is a plan by the bank designed to keep people in debt.
Product: Payday loan, title loan, or personal loan

This complaint is against paypal credit I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax both have posted on my credit reports that companies XXXX, XXXX, 2 XXXX XXXX  accounts have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since 2019. I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.
Product: Debt collection

My name is ( Name ). I received a phone call from XXXX - when I answered the phone they asked for XXXX XXXX. I said there is no XXXX XXXX at this number. He said I am calling to speak to XXXX XXXX - I repeated that this number does not belong to XXXX XXXX. He said even regarding a matter with California Check Cashing?? I said there is not XXXX XXXX at this number - this number honestly does not belong to him. He said he would call back. He Hung up on me. 

I then called XXXX and explained that my name is ( my name ) and that if they were trying to reach XXXX XXXX on this number he must have given them the wrong number. I asked that they remove my phone number from their list because I am on the Federal Do Not Call List. I was transferred. 

I spoke to the original Caller - I told him that XXXX XXXX gave him the wrong number if this is the number he gave him. To take my name off of his list and do not call me anymore. That I am on the Federal Do Not Call List. He said they don't work from any Do Not Call List and what is this list I am talking about. I said it is Federal Law that you do not call me. That I am on the Federal Do Not  Call list and they need to be double checking the list. He said he didn't even know what the Federal Do Not Call List is. He then hung up on me again. 

I am filing a formal complaint. I am not XXXX XXXX. I have had this phone number for over 6 years. Please stop California Check Cashing from calling me. I do not use their services - I never have and I never will.
Product: Credit reporting or other personal consumer reports

I AM TRYING TO GET ACCESS TO MY CREDIT FILE ONLINE AND ALL OF A SUDDEN MY CREDIT FILE IS BLANK. ALSO I'M GETTING AN ERROR MESSAGE WITH THE CODE " BLNK '. IS THERE ANY REASON THAT SUDDENLY I CAN'T GET A COPY OF MY CREDIT REPORT? PLEASE FIX WHATEVER THIS IS, SO THAT I CAN BE ABLE TO SEE MY CREDIT REPORT ON MYEQUIFAX.COM AND ALSO SO THAT LENDERS CAN PULL MY CREDIT AS WELL. I WOULD LIKE THIS FIX IMMEDIATELY. IF I HAVE ANY FREEZES OR FRUAD ALERTS CURRENTLY ON MY ACCOUNT PLEASE REMOVE. I HAVE UPLOADED A COPY OF MY PASSPORT, SOCIAL SECURITY CARD AND CURRENT ADDRESS FOR IDENTIFICATION PURPOSES.
Product: Debt collection

Wakefield has called me several times. I have been told they can't tell me how much or who. I asked for a letter, they said they sent it. I didn't receive. When they called again, I asked for the letter. They did not resend it. The same person, XXXX, keeps calling. I finally did some research and fond an old bill from a Hospital in Michigan. The amount was nominal, and I paid it. They did not say whether it had been sent to collections. That was the beginning of XXXX. Today, XX/XX/XXXX, I received another call from Wakefield.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my annual credit report. I found two fraudulent accounts. I attempted to dispute the items online but was prompted to call Experian directly. I spoke to a representative about the accounts. The representative stated that I needed a police report if I wanted to dispute the items. The representative stated that the police report would expedite the process. I told the representative that I wanted an investigation expeditiously. Although the representative denied my request verbally, the accounts were removed the same day. I'm submitting this complaint because the fraudulent accounts were re-aged and reported as valid debts ( false credit reporting ). I am officially requesting that the tradeline be removed for these fraudulent accounts. I am a victim of identity theft. All of the CRA ( s ) received an alert on XX/XX/XXXX. Experian was aware of this fact and continued to abuse their authority over credit reporting. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

This is my third 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXXXX/XX/XXXX XXXX XXXX AV XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$XXXX} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This account is being incorrectly reported a collection with a balance past due. Please provide proof of collection and delete negative payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account is being reported on my credit file on both XXXX  and XXXX  reports and XXXX  has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX is using to validate my information as reported by Pinnacle.

I've disputed it with XXXX, XXXX and Pinnacle, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, Pinnacle, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
Product: Mortgage

on XX/XX/2020 I spoke with loan agent NMLS  # XXXX. We discussed general refinance qualification criteria including DTI ratios. She did not disclose a requirement of DTI 36 %. The number she mentioned was 45 % per my notes. She did not disclose their new income criteria requirements that have changed due to covid. Would I have known these requirements, I would have not proceeded with an application and letting her run our credit inquiries. Through their underwriting process, they determined our DTI was well above 36 % thus, declining our application. I spoke with a different agent on XX/XX/2020 by the name of XXXX and she indicated a DTI requirement of 36 % - 40 %. I proceeded to escalate this to a manager with NMLS ID # XXXX who again provided me a different DTI ration requirement of 36 %. I requested transcripts of the calls to verify the agents prior communications and the manager with ID # XXXX indicated they did not have the ability to record voice on their recordings. I asked whether this was not a violation of their policy to record all phone calls and she refused to take accountability and insisted they had no ability to record calls with voice. There should be consequences for such unethical business practices where they practice this 'bait and switch ' scheme. If agents are rated on number of applications submitted I can understand why they will lie in order to get consumers to apply not caring entirely whether an application is approved or declined. Please bring this to their attention.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report are needed to be removed effectively immediately. They are fraudulent and I am requesting that they be removed immediately.
Product: Credit reporting or other personal consumer reports

credit card denied when attempting to charge payment for a stove and refrigerator. I have copy of credit rating. It has false names, wrong addresses and SSN variations. It has two different address ID and only two correct addresses. I am XXXX XXXX XXXX. The one on XXXX XXXX XXXX is not me. and the social security number is not mine. Year of birth is correct-XXXX. I hope you can correct this error. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I was put on as a co-signer with no credit and no income. The main signer has become delinquent and I tried to get them to take me off as a co-signer and they wont let me. They said I have to pay off the remaining balance ( {$45000.00} ) when the buy price was {$25000.00} 3 months ago. My credit is getting destroyed now I have established it. Can you help me get off
Product: Credit reporting or other personal consumer reports

I was the victim of a massive data breach and therefore I want all negative items removed from my credit report.
Product: Debt collection

The debt was written off charged off they sent letter saying I owe a amount of XXXX I asked them to send in writing I was told they would be sending me a court date due to non payment and it was like theft I sent a letter requesting them to send contract I signed and all my payments in regards to this debt this was XX/XX/2023 I also disputed it with credit company XXXX XXXX and XXXX Ive received calls every other day telling me to pay or I will be brought up on charges I asked the to stop calling but they still do over and over