23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX we moved from XXXX  to XXXX due to a job offer in XXXX. We put our home on the market, but removed it as a favor to a family we knew that needed a place to rent for a year. That turned into

t wo years. And deep regrets for many reasons. After eight
years of renting the house to various renters, many of whom did not pay rent, and several who damaged the property, we were unable to make the repairs necessary to keep owning it as a rental property, and it was still upside-down in value. We found a buyer for a short sale, presented Chase with a complete and reasonable short sale purchase offer in XXXX. 

Instead of closing on our offer in a timely manner, Chase sat on the file for 10 months, constantly threatening us and offering us mortgage refinancing that we could not afford. After around ten months, they initiated foreclosure. Shortly after that, in XXXX, after 11 months of stalling, they suddenly closed on the original short sale offer. Some time later, they sent us a letter apologizing for their mishandling of our foreclosure initiation in particular, and enclosed a check for ~ {$150.00} or so as a sop for our troubles. I was very angry. 

The only major negatives that exist on our credit are that started foreclosure and the short sale. Last week we applied for and were denied a mortgage refinance for the lowest rate in decades. The foreclosure start was the final straw that prevented that. 

We need that foreclosure start removed from our credit. It should not be there. We believe that it was put there in pure spite by Chase, with no intention of following through, just to hurt us further, when they were going to take the short sale offer anyway as evidenced by their closure on the short sale soon after.
Product: Mortgage

I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

Following the FCRA, XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 - section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I have contacted XXXX XXXX XXXX to tell the the balance is inaccurate and I had health insurance with a copay of {$300.00}. Radiant Solutions is telling me that they know I had insurance and that is the physicians bill. I have been to this hospital many times for this same treatment, my XXXX, always {$300.00}. XXXX XXXX XXXX used the old insurance I had on file and I have given them my new one at time of service and called them twice to take my new once which they did and now here we are 3 yrs later. I called each creditor to explain and all said it would be handled. Now I tried to make a settlement offer of {$300.00} with Radiant and they refuse to accept it. This debt is inaccurate and I do not own it
Product: Credit reporting, credit repair services, or other personal consumer reports

False claim Wells Fargo account. 

I am not writing it again. 

I will sue.
Product: Student loan

Loan Provider : Mohela Date : XX/XX/2022 ( refund request made via phone call ) Amount : {$12000.00} ( refund ) I called Mohela Loan Servicer to request a refund for payments made during the pandemic. Total refund as determined by the representative is {$12000.00}. Since this call there have been no updates, no confirmations numbers given, no email updates. As a loan borrower I'm left in the dark and relying on all steps to be taken behind the scenes. This is how refunds and other borrowers ( such as myself ) slip through the cracks. While I'm sure the refund will show up eventually, there's no guarantee besides a potential timeline that keeps getting extended.
Product: Debt collection

While examining my current credit report, I identified various accounts that appear to be erroneous and were included without my knowledge.
Product: Debt collection

This company is in violation of several FDCPA laws. I sent a validation debt letter and also a cease and desist to this company. this company is reporting false and inaccurate information on my credit report. the information that this company is reporting is unverifiable and inaccurate. I demand this company to stop reporting this inaccurate and false information on my credit file and to cease all forms of communication with me through any and all mediums.
Product: Credit card

I paid {$82.00} on XX/XX/2024 with the same banking information for the past several years and I receive a letter that it wasn't received. I don't know why and called the bank on XX/XX/XXXX and customer service doesn't know what happened and told me he can't take my payment. There must have been a glitch in their system because I've never had this problem before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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 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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX has violated my rights.

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.
Product: Credit card

For the second time when I make a large payment on my bill, Citicard lowers my credit limit to a smaller amount and takes the payment. Citicard says that they based the lowered credit limit on my credit score, but I did not give anyone permission to check my credit score at free will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was transunion, and even their report was inaccurate with my no payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX I have tried several times to obtain a copy of my credit report with Transunion. I have tried to call still no credit report was sent to me. I have tried going to annualcreditreport.com and still do not have a copy of my credit report. I do not have any outstanding complaints, and I want my credit report.
Product: Credit reporting

I was looking online to refinance my mortgage and put my phone number down to get a free quote online, i thought.I was then inundated by calls from companies I did not ask to call me. I spoke to a XXXX XXXX from XXXX XXXX XXXX. I told him I was not interested, but Thank You. Then I get an alert that a company " XXXX XXXX '' pulled my credit for this XXXX XXXX without my permission and no application that i filled out. I called them and asked them to remove this inquiry. They said XXXX XXXX 's company would have to and gave me a number that was disconnected. XXXX. XXXX XXXX number is XXXX. I am coming out of bankruptcy and this really hurts my credit profile.
Product: Mortgage

In the past 7 years I have been submitting the same paperwork in order to get a modification and an assumption. I have been thru XXXX employees and now im in foreclosure, however, I just got a notice that there are documents I need for the assumption,,, But I got served with foreclosure paperwork, I am a veteran and they have ignored my certificate of eligibility to make it a guaranteed va mortgage,, I do n't know what to do, but I plan to protest at their headquarters to get my message across
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( Wells Fargo ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted Wells Fargo, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

Wells Fargo refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

XXXX will not remove the 30 day past due indication. I have been unable to contact XXXX  further on the matter. 

I only want to have the adverse 30 day past due mark on my XXXX  report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that XXXX  would, but they will not discuss the matter ; Wells Fargo also will not allow follow-up discussion with the dispute.
Product: Student loan

After XXXX payments totaling over {$35000.00} in interest on my Discover private student loan, my principal has only decreased by {$1500.00}. Please help!! They will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry I did not authorize New Inquiry XX/XX/17 XXXX XXXX A potential creditor, employer or service provider reported that they pulled a copy of you ...
Product: Debt collection

I sent a letter via Certified Mail on XX/XX/18 to Portfolio Recovery regarding an unknown account listed in the collection section of my credit report. By law, I should have received correspondence within 30 days from the company. It has been over 90 days, and I have yet to receive any correspondence regarding the account. Therefore, I am requesting that this collection account be removed permanently from my reports. I am very unhappy with the lack of customer service shown by this company, especially since this account is negatively affecting my credit score.
Product: Debt collection

I XXXX XXXX XXXX the consumer entered into a financial credit transaction on this date XX/XX/2013 and the BANK that would be doing this financial credit transaction is CHASE the name printed on the top left side of the financial credit transaction contract i entered into as shown in the exhibits. a consumer credit transaction is transaction in which a finance charge is involved Pursuant to 15 USC 1605 a, a finance charge is the sum of all charges in a consumer credit transaction because i know the finance charge is the sum of all charge i did not expect to see on the contract a pay by date and the payment requests that followed.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( acct.XXXX  ), XXXX XXXX XXXX ( acct. XXXX ), XXXX XXXX, XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding incorrect information to my credit profile for others to see. 

XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) reported to Transunion that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number XXXX XXXX-9 Delete this account.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment - XXXX XXXX XXXXXXXX XXXX Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : The reporting practices may violate the TILA, which mandates accurate reporting of credit information. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was recently looking over my accounts and credit utilization and noticed on my XXXX, XXXX XXXX and XXXX account I am on are all currently missing from my credit report on XXXX & experian  but it is on XXXX. In the documents I will show how on XXXX  reporting agency it shows all my accurate information but the other 2 companies do not. I have called each of these companies and they said the same thing that they reported to the credit reporting agencies I am unsure as to why XXXX  only reported and not XXXX  and Experian. The first document attached will show the inaccurate information from XXXX & Experian and the second document will show the correct information that they need to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX