23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

there were 2 accounts by ava open on my credit file. i have never recieved a credit card nor have i ever recieved a statement concerning this card or charges, I have AVA on numerous occassions concering these 2 accounts that continously having balances.. one the account for XXXX balance there was a payment owed for XXXX dallars i had no idea of a charge due to me not even having a credit card. i paid the first off to avaid crdit blemishes, anc contacted ava they rmoved the account with the XXXX dollar account balance but never removed the account for the XXXX dollar balance, and now its reporting to the credit bureaus as a negative impact of 60 days late payments,,,, this is ruinous, as well as unlawful, as well as fraulent to my credit file and it must be deleted immediately. after contacting Ava on multiple instances i have failed to get a return response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX OF XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting

On my experian.com/Fraud Alert personal statement credit report history my Telephone numbers have n't been updated and I have sent in various Disputes by mail, yet information remains inaccurate. I try to update my personal information online and I keep getting an ERROR message and to contact a number that is a message number only. I have a car application pending with XXXX of XXXX and this seems to be an issue, I 'm unable to leave with vehicle due o this inaccuracy onto my credit report personal statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX and XXXX  are validated my disputes with out investing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
PRA sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called Portfolio Recover Associates, LLC. They had no knowledge of any of my dollar amounts and told me to call, XXXX XXXX XXXX XXXX XXXX, XXXX Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.
Product: Debt collection

I'm receiving spam text messages from someone impersonating a debt collection agency. 

The phone number referenced in the text message is XXXX the Phone number it is from in the message is XXXX. 

The link included in the message is : XXXX
Product: Mortgage

My home was affected due to Hurricane Harvey in XXXX. I was deferred payments for three months. After that I applied for a loan modification. It was approved and I made trial payments for XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX docments were sent to me to sign with the new modification of my mortgage. I have been told that Home point financial transferred the processing of my loan to another company and they are still waiting for documents to be sent over. This is XX/XX/XXXX and they are still showing my mortgage behind, my credit is screwed up. I have called in every week and month since XXXX. I keep getting told they are waiting on the other company to send in paperwork. I have been making payments every month and they are just holding them in arrears. Now I have my year end statement and it is way understated because they have not corrected my loan. I need this resolved and I am not getting anywhere with Home Point financial. If you look on the account message. It will show where it states you have been approved for a loan modification however they have not finalized this and documents were signed in XX/XX/XXXX and it is XXXX. I called today and spoke with XXXX. She tried to transfer me to the supervisor who never came to the phone and I was on hold over 30 minutes. I keep getting the run around every time I call. I have made my payment every month.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my debit card with the company cash app got stolen out of my car while I was pumping gas. There were four transactions made by whoever stole my card there was two from XXXX ( XXXX ) XXXX ( XXXX ) XXXX which were the biggest then there was one from XXXX XXXX  for XXXX $ an one from XXXX XXXX XXXX for XXXX XXXX as soon as I noticed my card was missing I froze my debit card an closed the account an started to contact support it took them a week to tell me to call them to file disputes so I did an I received these results the XXXX XXXX were denied an the other two were refunded. I've contacted there numerous times to ask how this is bc my card is FDIC insured first an second the other two were proven in my favor so why not the one that matter the big transactions. They can not give me an answer the will either read of my transactions or just make some scripted stuff but absolutely no one will give me an answer an I have said this a hundred times " I'm aware XXXX denied it I don't think they watched the security cameras an said Humm idk that does/does n't look like XXXX using that card ''. The fact is my card was stolen from me I've done everything correct step an cash app just don't wan na have to refund my money an something needs to be done I'm a single mom an I sold my car to be able to buy my kids XXXX an someone stole that money from me an I thought that was them being insured was about.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT XXXX time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XX/XX/XXXX
Product: Mortgage

The UWM ( United Wholesale Mortgage ) company has transferred my loan to another company, and I am unable to make contact through the phone or the website they have provided. The phone system from UWM is automated and directs me to a non-working phone number and the website of the " new '' company.

Essentially, I now have no information about my mortgage, and on their website, it states that my account is closed.

There are no available means to contact UWM.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. the following accounts were removed from XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$100.00} XXXX XXXX Opened XX/XX/XXXX {$140.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$3000.00} and XXXX which are 2 of the main CRAs Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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 Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX Account XXXX XXXXXXXX XXXX Account Name : XXXX Account # 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: Mortgage

To whom it may concern, Regarding loan # XXXX.Respectfully, we have been trying to make payments on our loan, but Shellpoint has been sending mail to the wrong address to a deceased person. We have always made our payments via check/physical mail. And we have not received a stament since it I was going to the wrong address. This is all related to the MSR transfer from XXXX to Shellpoint. 

We were also not informed in a timely manner that our mortgage was transferred to Shellpoint from XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX I made a transaction on a website called XXXX Upon completion of the transaction I was not given an order number, raising alarm bells tome, as I have always been given an order number on other sites. 
I then emailed XXXX to request my order number. I had not received a response by the following morning so i called them with the number provided on their site at XXXX XXXX on the morning of XX/XX/XXXX. 
At this time, less than XXXX hours after the initial transaction, the transaction was still shown as " pending '' on my Chime app. I then called Chime to request that the transaction be cancelled as it was shown as pending and had not been completed. Chime refused to cancel it. I told them that as it was not shown as completed then it can be cancelled as it is my money and it should be no different than putting a stop payment on a check. They refused to honor my request. It is my money in my account. They have no right to give my money away if i say not to. I am very sure that XXXX is a scam and will be reporting that site, also. So, Chime is forcing me to allow the transaction to complete, against my wishes, and would not guarantee refund of my money that they allowed to be disbursed. 
This event is the same thing as Chime holding my front dooropen to a person that was going in to steal my property and I tell them to close the door and they refuse. In that onstance, legally, they would become accomplices to the crime, as I believe they have in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.
Product: Credit card or prepaid card

On the Bank of America website, specifically related to their Cash Back Rewards program, they have misleading information, stating an illustrative example of calculating annual cash back which is not actually possible through the program 's stipulations. They show an example of getting {$24.00} a month in cash back by spending {$1400.00} in a month in various categories. They go on to say that you would be able to get {$290.00} annually ( $ XXXX times 12 months ) in cash back in their example. However, their program only allows {$2500.00} of qualifying purchases per quarter, so their example would have you spending {$4300.00} quarterly ( {$1400.00} x3 ) to achieve the results, but the program only allows {$2500.00} quarterly so a large share of your spend would be disallowed for the rewards. This is very deceptive. It is actually possible to get {$300.00} cash back annually but only by using their card strictly on gas alone. This is not made clear in the outline of their advertisement.
Product: Debt collection

I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.
Product: Debt collection

Only your failure to respond has resulted in your case being processed this call is to inform you that you have one full business day and which to rectify this matter, Please Advise you must call by XXXX to at XXXX XXXX You may Call XXXX again that is XXXX?
Product: Debt collection

We bought a RV in XX/XX/XXXX and financed it through Alliant Credit Union The amount borrowed was {$44000.00}. 
My husband became very ill with XXXX and we had trouble making the payments on the RV They served us with papers demanding the full amount of the balance I had to get an attorney to help me while my husband was very ill and after he died. 
After my husband died, I sold the RV and wired Alliant Credit {$29000.00} toward the balance owed. 
They calculated a balance due of {$25000.00} owing through my attorney even though the actual balance owed was {$14000.00} plus their attorney fees. 
I also had to pay my attorney as well. 
They demanded that I pay {$450.00} per month until the balance was paid off. 
I paid the best I could on the balance as I am a widow who lost her husband 's income Alliant 's attorney obtained a Stipulated Judgement against me for the balance due and I could not afford to pay the {$450.00}. I made an agreement to pay {$150.00} per month until the balance is paid which I am paying. The balance is about {$3800.00} now They are reporting the account to the credit bureau as a balance sheet charge off which it is not as they are still receiving payments on the account/ They are reporting the account as being closed which it is not as it is still an open account. This is also damaging to my credit report. 
They are reporting the monthly amount being paid as {$450.00} which is not. This is damaging to my credit report as it increases my monthly obligations. 
Their inaccurate reporting to the credit bureau is hurting my credit when I am trying to reestablish my credit They opened the account in XX/XX/XXXX and then in order to damage my credit they reported the last payment of {$1700.00} was received in XX/XX/XXXX so they can keep reporting my account. 
I feel they have purposely submitted information to the credit bureau to damage my credit standing. 
If they have a stipulated judgement against me and I don't pay it, they can get a judgment against me. They don't need to keep reporting erroneous facts to the credit bureau. They are using the XX/XX/XXXX date in order to purposely keep reporting my account to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint against the 3 credit bureaus. They are in violation of FCRA Section 605b. I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. I need them to be held accountable for their breach of the law. I need these originally deleted accounts removed from my report per the original claim of identity theft & because they are now violating, and it is my right to make some investigations. These are following items I want to remove : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Credit card or prepaid card

I have reported to all 3 bureaus that this account is fraudulent and this issue hasnt been resolved XX/XX/2020.