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

I fell 30 days behind on my XXXX XXXX Home Mortgage a few years back. During that time I was able to arrange for XXXX XXXX to re-fiance my mortgage and during the underwriting I was advised by my XXXX XXXX Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, XXXX XXXX reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but Trans Union is not doing so.
Product: Debt collection

This company violated collection methods and sent me a letter of intent to sue. This letter came in XXXX Express Shipping Packing. It is very intimidating and has been hindering my life.
Product: Mortgage

Hello, I am a XXXX XXXX and i am trying to do a cashout refi for a borrower. This borrower 's current mortgage is held by BSI Financial Service. The borrower 's credit report shows him having a 30 day late on his mortgage back in XXXX. The borrower was never actually late. This was a result of an error on BSI 's end while onboarding the borrower 's loan from a recent service transfer. 

The borrower tried to have BSI correct there error. In XXXX, BSI sent him a letter stating that the 30 day late was reported in error. They said that the late would fall off of his credit report within 30 days. Fast forward to XX/XX/XXXX, and the 30 day late is still reporting. 

I have a service at my company where my credit provider can rescore/adjust the credit report. All my credit provider needs is the same letter that BSI sent in XXXX, but with a date on it after XX/XX/XXXX. ( We can not use the one from XXXX ) The borrower then called to have them email it. They said they would and they didnt. I then called ( Myself and my company are an authorized 3rd party ) and tried to get them to send the letter with a new date. They said they would and after a week they did not. I called again and had the same conversation, they said they would send it and did not. A week later i called again, and had a very similar converation, except this representative told me that she could not verify me as a authorized 3rd party. I asked who i should send the signed borrower 's authorization form to. She gave me their customer care team 's email. on XX/XX/2022 i emailed the BSI customer care team a new signed borrower 's authorization form and requested that they respond when they receive it. Five days later, no response. XX/XX/2022, i sent another email following up. 

After that, i XXXX the company and read XXXX  reviews. it seems that this is common practice for them. Someone said that they will not help you unless you get the CFPB involved. Please help. My borrower will greatly benefit from getting this cashout during such a hard time, and can not because of the actions/inaction of BSI financial services.
Product: Payday loan, title loan, or personal loan

I took out an original loan for  XXXX  dollars at their crazy 35.99 % interest rate but I needed some funds in a hurry and paid off the loan early which would have been around  XXXX  for the full term but they charged me over  XXXX  for far less than the full term and did not refund me the overpayment now I 'm looking at this after signing up for an additional loan that again I need very short term ( {$5700.0 0} ) a nd they are reporting that I owe them over  XXXX !! This is inaccurate reporting, they do not display statements, payments, and early payoff quotes correctly so they can intentionally  XXXX  you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 checked my credit and saw an account from 21st mortgage. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.
Product: Credit reporting

XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.
Product: Bank account or service

There has been a report against my social security number of a bank account issued through Bank of America. The reports states that there was suspected fraud activity. I once had an account with Bank of America but it has been closed, but not for fraud. I also was n't notified of account closure for this reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crdit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states a 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone spending my cash when I was in jail
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had opened a citibank checking account approximately in 2001. He had a credit line also on the checking account which I wasn't even aware of. When we married he put me on as a secondary signer. My husband filed bankruptcy and Citibank decided to attack my credit which I find incredibly unacceptable. I don't even work and that's why my husband added me in the first place. I wasn't even contacted which is ridiculously unprofessional. I'm even a customer with several credit cards and a checking account which are all in excellent standing as a loyal customer. I'm disgusted and want to know who did this, who's responsible for this incorrect tarnish on my credit history which I take pride in?!? 
Please help me fix this error : )
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been about six months since my first letter went out to Experian. Simple letter asking to update my phone number, employment information, and i noticed a few accounts that did not belong to me.

With over fifty letters sent to Experian which i am happy to send, this investigation has gone on for over six months. The accounts that do not belong to me and do not have my name or phone number or information on are still being reported by Experian.

I have the letter 's i sent to Experian explaining how each account is flawed and must be removed because of Experian 's continuous breaking of the law.

Experian has violated the FCRA, FCDPA, TILA, and FDPA. I have the documentation from Experian to verify this information. 

From XXXX XXXX to XXXX XXXX without any resolution. The investigation results keep coming back as " verified as accurate '' without any of the legal documentation i requested. How can you repeat an investigation over 50 times without conducting an outside investigation like the FCRA requests?

Section 314 of FCRA demands credit bureaus to provide a signed contract with my name and signature along with account detail in order to deem the account as verified.

Experian has been playing games with my personal information for over six months and i'm going to use the law to put an end to this none-sense.

I have every tracking number from XXXX until today saved, i have every response from Experian saved from XXXX building my case stronger and stronger. 


Experian you cant break the law and get away with it, i demand you remove these accounts this instant you are conducting a fraudulent investigation and you clearly have no club what you are doing. 

If you had a clue what you were doing you would realize the damages you have done to me in the past six months. 

Your reporting issues have cost me my dream house. Experian you will pay {$1000.00} fine for each account being reported incorrectly. Every account must be 100 % accurate to report, and these accounts are NOT accurate and do NOT belong to me, delete them now.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove

these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE!

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, my husband 's company truck broke down to where it was unusable, which caused a big hit in our finances. He did some odd and end jobs to help pay our bills since I was working part time teaching. 

In spring of XXXX he finally decided to sell his company and apply for other jobs. Several of the jobs that seemed very promising did not end up hiring him. At the end of XXXX my XXXX  job ended, so I was no longer getting paid either. Plus I wouldn't be able to count on going back in the fall because I was XXXX  with our XXXX  child and wouldn't be able to miss that much work once the baby was born. Up until that point I had made it a priority to make the minimum payment on our Chase Freedom credit card even though we were barely able to pay our bills. 

I continued to pay the card through the end of XXXX, even though we had no consistent income still. In XXXX of XXXX I was desperate to get some of the interest lowered or our balance negotiated, as everything I was trying to pay was mostly going towards the interest. I understand that this is how credit cards work, but it was very disheartening, especially because we couldn't afford to pay. 

I called Chase and told them how I had to stop working because I was pregnant and that my husband wasn't working either. They said that they wouldn't work with me until I was behind on my payments, which made no sense to me. I had been faithfully trying to pay the card to not get behind, yet they were telling me nothing could be done unless I was behind. At that point we had to stop paying the card all together because our income was almost non-existent, so of course my credit has taken a bad hit. It was just discouraging to hear that they weren't willing to do anything to help us even after I explained the situation and had been committed to paying month after month.
Product: Debt collection

I was contacted by Phone call FROM a DEBT Collection Company who IMPLIED i had a bill FOR XXXX IN collections AND HOW WAS I GOING TO pay the bill for a bill I was TOLD I REFUSED TO PAY. They wanted a FULL PAYMENT FOR THE BILL but refused to give me the company for which i was being charged for. I had to ask as to what the bill was for and was, after several attempts to get the name of the company the bill was for XXXX XXXX. I had had an ACCOUNT FROM XXXX  that I had CLOSED IN XXXX. and wanted nothing more. 
I called XXXX and asked for the account I was being charged COLLECTIONS FOR It took over 1 hour for the woman to find out what account i was being charged for. I went through 3 different people and then came around to the original person was informed it was an INTERNET I went to XXXX XXXX and call them to advise them i had FRAUD ON MY CFEDIT REPORT AND TO HAVE THE FRAUD REMOVED I was told i have to GO TO THE POLICE DEPT AND REPORT IT TO THE POLICE FOR FRAUD BEFORE THEY WOULD EVEN CONSIDER IT TO BE REMOVED I have put FRAUD ALERT on my Credit REPORTS ALL 3 and trans UNION REFUSES TO REMOVE ANY THING FROM MY REPORT WITH OUT A POLICE REPORT WAS TOLD TO TO TELL THE POLICE THAT I HAVE BAD CREDIT ON MY REPORT FRAUD IS AS FOLLOWS : XXXX XXXX IN COLLECTIONS/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX  XXXX  IN XXXX TX XXXX IN XXXX  UT XXXX XXXX XXXX HARD HIT AND REFUSE TO REMOVE XXXX XXXX XXXX CARD SERVICES XXXX  FURNITURE FROM XXXX TX XXXX 
XXXX
Product: Credit reporting or other personal consumer reports

Hello I recently reviewed a copy of my credit report i noticed that there are big fraudulent accounts in my report. Please delete these XXXX accounts from my report because they are really crippling my ability to obtain credit and its a violation according to 15 USC 1681s-2 they arent supposed to 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 incorrect i want all of these XXXX accounts delete IMMEDIATELY pursuant to FCRA-605B ( 15 U.S.C. 1681c-2 ) i am trying to build for my family od XXXX and this a MAJOR HINDIRING
Product: Debt collection

On XX/XX/2023 Portfolio Recovery call cell phone and didnt leave a message. From this number XXXX. On XX/XX/2023 Portfolio Recovery call again from a different number XX/XX/2023 again no message. They have been calling me for several weeks without leaving no message. On today they called my home phone and left a message about filling a judgment against me. I am a XXXX XXXX XXXX and receiving XXXX  from the SSI. Portfolio Recovery Associates LLC are from the XXXX Co office.
Product: Money transfer, virtual currency, or money service

I want to give an information about imposter related to wire scam using your bank. I met a person who I fell in love. He said that, He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. So I believed him and I sent him XXXX USD on XX/XX/2020 to PNC bank account to XXXX XXXX XXXX. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. Because of his contract he could not leave XXXX before he paid the workers 's expenses. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. I collected this money from my credit cards and getting loans. I did this transaction from my XXXX  XXXX XXXX account, I filled a complaint file for XXXX XXXX related PNC Bank about wire scam XX/XX/XXXX XXXX. I attached the message part related to PNC bank and the invoice. It was wired to XXXX XXXX XXXX account number XXXX XXXX, NJ. The money was quickly released from my account. they had a friend in the PNC branch to release the money from my account quickly. Please help me. This is a wire scam. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. You need to stop them using PNC Bank. Please try to get back this money from them, and wire to my account. Thanks for your help. 

Best Regards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act, the list of accounts below have violated my federally protected consumer rights privacy and confidentiality under USC 1681. 
Account # XXXX Account XXXX XXXXXXXX Account XXXX XXXX  Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX Have violated my rights per 15 U.S.C 1681 section 602A, I have the right to privacy 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my instruction.

15 USC 1681c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other andverse item of information, other than records of conviction of crimes which antedates the report by more than 7years.

15 USC 1681 s-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 the believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concern a collection item placed on account through Penn Credit for a XXXX XXXX account. The account balance of {$340.00} was paid on XXXX XXXX, 2017. I requested that the item be removed from file because it was paid and an old account. I was told by the Senior Manager XXXX XXXX that he could not remove the account as it had to remain on the credit file for 7 yrs. This information was not completely accurate as I was told by the credit bureaus that the collection agency can in fact request them to delete the information. Even though collection items can remain on the file for a time period of 7 yrs., the items can be deleted. <P/>I believe XXXX XXXX practice on behalf of Penn Credit is deliberately an attempt to further jeaopardy the credit of the consumer and in retailation. As I was told by one of the account reps. that i could request the account to be deleted once it has been paid. However when i spoke to XXXX XXXX he stated that this was not the case. <P/>XXXX XXXX attitude was rude and obnoxious.
Product: Credit card

I made a payment to Capital One on XX/XX/XXXX as I always have for the past 15 years thru the phone payment system. I noticed the next day that my payment had not posted to my checking account. I thought this was very unusual because it always comes out the day I make the payment so I called Capital One. When I called I immediately receive a message that I had fraudulent activity on my account. So I held on for around 30 minutes. I finally get a rep that said in order for them to tell me what had happened on my account they needed to verify that it was me. So they ask for my cell number and I provided it. Said they were going to send me a code thru my cell phone. They then say that the code can't be sent. Then tell the only way I could find out what and how much fraud was on my account was to provide them with a selfie and a copy of my drivers license.

Of course I went thru three different managers and they all said the same thing. 
They went on to say that they had already verified me thru the number that I was calling from which is a land line! But it didn't matter that they had verified me thru my land line they still had to have a selfie and a copy of my drivers license. 
You see I have had this account for around 15 years Never have been late on a payment and my landline is tied to the account. Not my cell phone number. 
I asked them to add my cell number and then send the code they said NO Way! 
Again they told me the only to find out what was going with my account was to send the selfie and drivers license. 
I ask them to send a code to my email. I gave them my address my social security number etc ... Nope No Deal they said! 
First let me say there is NO way that we will provide our information such selfies and drivers license to a company that is telling me first of all that my card has been hacked and they have already verified me thru my landline. 


We have tried very hard to keep our identity safe, especially after we were part of the XXXX hack. We have frozen our credit and had to get a credit monitoring service. We do not have ANY social media accounts such as XXXXXXXX XXXX XXXX 

THIS IS A TOTAL INVASION OF OUR PRIVACY. IT IS DISCRIMINATION! 

Privacy interests of XXXX XXXX does not seem to matter here. 
I would like to add they were willing to cancel my account without the selfie and drivers license but not willing to tell me what in the world was happening to my account, my personal information and ultimately my credit! 
This is Absolutely Ridiculous! 
This is My account! My credit that is in jeopardy! My money! 
I as of today have No credit card because they have frozen it and WILL not tell me WHY!! 
I haven't been able to sleep knowing that someone has hacked my account and their company isn't willing to tell the person that it effects Anything!