23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is being paid by XXXX. I am being told three months after payments started payments are not being received. The payments are being received but there is a $ XXXXshortage. I was told by a representative that it is not the companies responsibility to notify a customer there is a payment shortage. My credit report has dropped XXXX points due to this. They are reporting my mortgage account as 30 days late and stating I owe XXXX. When that is not the case. I was not notified my mortgage amount has increased so how am I supposed to know to make any type of payment. The representative I spoke with was more than rude. When I repeated what was being said she would say thats not what she said. The calls are monitored and recorded. I then asked for a supervisor and was placed on hold. To then be hung up on. 

I called back and asked for the last representative name which was not given. 

I recorded the phone call. 



I then was told my account is past due and payment was never received when I have documentation all of the payments in reference have been paid. 

Carrington mortgage representatives continue to tell me my mortgage is 30 days past due for XXXX but have received actually payment from XXXX  XXXX. 

All of this information has been recorded by myself. And I have documentation to prove the amounts being quoted as past due are incorrect. Yet my credit report is reflecting a 30 day delinquency. That per the carrington mortgage representative is not carrington mortgage responsibility to notify a customer of a payment shortage or increase in mortgage payment needed. Yet my account is being paid by a third party XXXX  XXXX. 

At the end of the conversation I was told I could NOT make the payment without a representative although I was told I could make the payment online. 

The ball was definitely dropped by carrington and my credit score is being affected. I have a call recorded to prove this fact. 

Carrington has told me there is nothing they can do about it. But its essentially their fault.
Product: Credit card

XXXX a XXXX XXXX XXXX XXXX who was scammed by a company when trying to take my grandkids to the circus. I tried to get help from my bank but they denied my request. My adult son helped me put this together so hopefully someone can take a look and make this right. Im on a fixed income retirement and the amount of money Im out is important to me. I tried to buy shrine circus tickets online and thought I was dealing with the actual venue but was instead a company called tickets-center who charged 4 times the amount of tickets and then made it impossible for me to actually get access to the tickets. I wanted physical tickets and they said I had to do them on my phone. I couldnt get it to work and asked for a refund but was denied. I then went to the venue and told them what happened and bought actual tickets there for hundreds less. I thought Id be protected by my credit card on the purchase I was scammed on but Citibank denied me so now Im out a lot of money. I feel taken advantage of by my bank and the ticket company who scammed me. Looks like I wasnt the only one the better business bureau reviews are horrible. Please help!
Product: Debt collection

I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an disputed Electronically with Transunion multiple times with accounts ( XXXX ) starting with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is over my states XXXX, The account came back verified with no proof or method of validation. 
I also disputed an account ( XXXX XXXX XXXX XXXX ) Starting with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was also verified as accurate, which has now been reported as delinquent after I disputed 4 ( FOUR ) years that is illegal & it is altering the accuracy of my credit age to pursue this debt longer. I have also opened a case with the XXXX regarding them not providing proof this debt belongs to me. 
I requested a method of verification via transunion and have not received it. Transunion has failed to provide proof of validation to me and I am requesting these accounts are removed from my credit report as they are not meeting CFPB guidelines. 

These two accounts have been reporting as accurate with no proof after disputing for years via Transunion.
Product: Credit reporting or other personal consumer reports

the balance of XXXX XXXXXXXX account number : XXXX its zero and it shows as {$310.00}
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received several calls from portfolio recovery and have repeatedly told them that I will pay them when I get the money. They have not heeded my requests and they have still kept calling. The latest was this afternoon ( XXXX @ XXXX PM ).
Product: Credit card

Hi. I was a victim of an armed robbery and assault on XX/XX/XXXX. The incident followed a series of fraud in using my credit cards and accounts, including my US Bank cards. I received a text notification the same day ( screenshot attached ) of a fraud attempt. A police report has been filed and a detective was assigned. The case has since been closed despite my efforts compiling information, so I am trying to reopen then case with your assistance in gathering additional transactional information. A few days after the incident, I had called US Bank and was able to gather the following information on a transaction from one of my cards : XXXX XXXX XXXX XXXX, Merchant Number : XXXX. The detective was able to get in contact with the vendor to review camera footage, but not much has come out of that. I did email the fraud team ( XXXX ) this XXXX XXXX, XXXX regarding a request for additional information, but have not received a response since. In a related complaint with another credit card company, I also received a text notification and requested transaction information. In doing that, I was able to uncover a number of additional transactions that did not appear on my statements. So, I am hoping I can request all credit card transactions from XX/XX/XXXX and shortly after, especially if there were transactions that did not appear on my statements. I've also included an FTC report with information on the person who was with me. The listed address in that document matched a transaction on my other credit card transaction report, so this information is likely to reappear should US Bank have additional transactional information.
Product: Student loan

I refinanced my private and federal student loans through Earnest. I feel the company took advantage of me by knowing my expenses and monthly income and charging me a very high monthly rate. Right now the amount I am expected to pay is 30 % of my monthly income which is very hard for me to afford. I have contacted them numerous times in which they only gave me forbearance for 3 months which does not solve my long term problem. This student debt is a heavy burden on me and it takes most of my monthly income leaving me just being able to pay my bills and barely afford to live at a normal means. They have offered me no other options besides this 3 month forbearance or acquiring a whole new loan that only lowers my monthly payments by {$100.00} and increases my total loan by {$30000.00} more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?
Product: Credit reporting

I have disputed an item on my Experian credit report 4 times within the last 6mos. The item is a public record judgement that should not be on my report because there is nor has there ever been a judgment against me for XXXX District Court or The Attorney General of Texas. I have submitted the verification documents attached to Experian and each time they come back with the item has been update, and they do not supply me with any documentation or proof that this account is my account or why. I have also sent them a copy of my closed child support order with a XXXX balance, and the item still remains on my report. I have called and asked for them to supply me with the vendor who is supplying the agency with the information and they refused to provide, i have also been hung up on 4 times when I request to speak with a supervisor. I would like to issue a complaint, investigaiton, and a dispute against Experian this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX XXXX XXXX, XX/XX/2023 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that the consumer reporting agencies exercise their given responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer who has the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting

I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called Equifax the moment I received the copy of my report that I purchased with XXXX dated XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these items listed below, so please help me remove this CHARGE OFF, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Portfolio Recovery is attempting to collect from an account that is assumed owed by me. i have asked Portfolio Recovery to send me documentation that bears my signature that shows i have a binding agreement with such said account. Portfolio Recovery has sent a billing statement rather than a contract that shows a binding agreement as i have asked for. anyone can print out a billing staement, but a actual contract that shows a binding agreement and with a signature is different as it shows a contractual obligation and verifies the account. i believe that they are attempting to collect on account that they can not prove that legally belongs to me.
Product: Checking or savings account

good day my name is XXXX XXXX XX/XX/XXXX on XXXX XXXX i walk in to truist bank in XXXX ga and open secred card XXXX then got a letter saying my accounts where closing XXXX XXXX and XXXX had a blanced of XXXX that on hold due to fraud i dont know what fraud they speaking about i open this account and i willike my account reopend
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries XXXX  XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ) which I have not approved or given written permission to furnish in my credit report.
Product: Mortgage

At few years ago, due to a family death, I requested my mortgage company to allow me to miss a payment so I could attend my sisters funeral out of state. I was told that I could do a remodification ( but could not make a payment for 3 months ). I explained that I could make the 3 payments but, I was told during the modification, I would not be allowed to make payments, that the company will notify me when my next payment would be do. This has caused a big bite out of my credit report. I need your help in getting this removed.
Product: Debt collection

I filed an XXXX complaint regarding a massive money laundering. Identity theft has happened as a result of this incident. Personal loans were fraudulently taken out on my name. The XXXX complaint shows evidence of money laundering. The company is unwilling to take the loan out of my name because the transfer from the bank to XXXX was initiated by me. But there was money laundering from XXXX. I did not realize that the funds were from an unsecured loan that I did not take out. 

XXXX # XXXX
Product: Debt collection

Erc is harassing phone call and never have accurate information XXXX was made aware the debt isnt mine. I had to do a police report with ftwpd then download the packet from their website ( XXXX ) file out documents and attach supportive images police report lease as proof of address and front and back of Id I even included a tax return with consistent address
Product: Credit reporting, credit repair services, or other personal consumer reports

MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Product: Checking or savings account

After Wells Fargo closed my Time Account and stole the {$6500.00}, I called and closed my checking and saving accounts with 3 different agents. 
To NO surprise, the accounts have remained opened and they are allowing companies to withdraw from the account, thus creating negative balances. 
All this in retaliation of filing complaints against them for fraudulently raising the interest on a credit card without my knowledge AND closing the Time Account, thus pretending they need 90 days for find a so-called check they sent. 
These people are white collar criminals to the nth degree. 
Upon calling them tonight ( XX/XX/19), the Supervisor could not close the account because closing it has been prohibited ; so they can continue to charge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this..XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One sent a grotesquely false email stating I needed to pay a balance and was not able to use my card when I already had paid the balance. This type of casual and cavalier misaccounting of funds is unconscionable and has directly harmed me.
Product: Credit card or prepaid card

I bought a piece of jewelry from XXXX XXXX using their relationship with XXXX XXXX XXXX. This transaction totaled about $ XXXX and was made up of two different balance timelines ; one for about $ XXXX and another for $ XXXX. A return also occurred on one transaction that was removed from the balance. I paid off what I thought was the entire balance within the required time frame, but had miscalculated by a few thousand dollars because of the return. I was a few weeks over the line on this small remaining balance and was assessed a finance fee of XXXX on about a $ XXXX balance. Discussions to bring this to a reasonable conclusion failed terribly as they were unwilling to compromise. 

To make matters worse, they have assessed a late fee on a remaining balance of {$25.00} that I did not know about. Now they want {$56.00} in total. This was not a balance that I had financed with them but another fee. 

The just outcome would be a total return of the interest balance that was paid to them. I had made my payments in good faith and even paid the interest balance to make sure nothing ended up affecting my very good credit rating, however being so unreasonable with a credit report to threaten is a bully 's approach of doing business. 

I will not do business with them or anyone that they finance in the future unless this is resolved, and I will make sure other consumers know about it as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding unauthorized hard inquiries on my credit report that I believe to be fraudulent. I have discovered several inquiries made in my name that I did not authorize, and I am requesting that these inquiries be removed from my credit report as they negatively affect my credit score. 

The following fraudulent hard inquiries have been identified : 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 XXXXXX/XX/XXXX I have not authorized any of these inquiries, and they appear to be the result of identity theft or fraudulent activity. I have already taken steps to secure my personal information and am in the process of disputing these inquiries with the credit reporting agencies. However, I seek your assistance in ensuring that these entries are investigated and removed from my credit report. 

Please let me know if you require any additional information or documentation to support my claim. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

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

I noticed a recent new CHASE Total Checking and Credit cards  account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.