23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Fraud detected on a rarely used credit card with a {$6.00} charge in a state thousands of miles away. Bad actor was able to claim to be me by providing nothing but an email address and asked for new cards. Synchrony called me and account immediately halted. Synchrony said they would send me new cards but then they sent NEW cards to the FRADULENT address AFTER we corrected the problem where the bad actors charged {$14000.00} at different XXXX and XXXX XXXX stores in Florida on the same day. XXXX tracking shows Synchrony created the label for the new cards to the fraudulent address 5 hours AFTER my call with Synchrony to halt the action. XXXX  was kind enough to send me a photo of the delivered new cards to the fraudulent address in Florida AFTER my address and information was corrected on file. 
I filed a fraud claim with Synchrony, filed reports with FTC, all three credit reporting agencies and State Police. 
Synchrony DENIED my claim because they stated " I made a payment in XXXX. '' Well, yes, there was a recurring subscription charge on the card that I DID authorize, so I was responsible to pay that. All this fraudulence occurred AFTER I made a legitimate payment. Synchrony refuses to admit their wrongdoing and refused to write off the fraudulent charges. I requested a new claim be opened again. Hurry up and wait .... This is identity theft that they allowed to happen because of poor policies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my XXXX account is showing XXXX was paid on time, XXXX was XXXX days late, and XXXX was XXXX  days late, However XXXX shows XXXX was paid on time, XXXX was XXXX days late and XXXX was paid on time, Transunion shows XXXX was paid on time, XXXX was XXXX days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you
Product: Mortgage

I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below XXXX ( XXXX ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the XXXX mortgage loans into XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I was in a horrible car accident. I literally broke the left side of my body. During this time I was in extreme pain and focused on recovering. As a result I missed a {$9.00} payment to Bank of America and they reported it to my consumer report. I then informed the company of the accident and they informed me to send in letter and they would give me a forgiveness of the late payment. I have sent the letter and they never forgave the payment nor did they contact me about the issue for any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is identity theft
Product: Mortgage

I am a authorized third party on my moms account. i have made her mortgage payments for over the last 2 years. my computer updated tonight and needed to verify it was an authorized computer. I called the help number given on the website, confirmed that i am on all account and asked for the confirmation code to make the payment. i was told that they could not help me as a authorized third party with this issue. I offered to confirm my information as long as hers. But ulitimaly was denied. As an authorized third party I should have access to all information.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. 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 and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries our mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Product: Credit card or prepaid card

They closed my account in XX/XX/2022 reopened, slammed me with the annual fee, then restarted my credit reporting. Company is complete fraud. 

Called a XXXX times on the payment issues. Kept adding on fees and charges for returned checks.
Product: Student loan

As a   XXXX   that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over  a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.
Product: Credit reporting or other personal consumer reports

THERE ARE STILL INACCURATE ACCOUNTS FROM MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.
Product: Credit reporting or other personal consumer reports

The credit report from TransUnion contains a fraudulent collection account from XXXX XXXX XXXX for {$370.00}, originally from XXXX XXXX. This account was opened on XX/XX/2025, but I had no involvement in this transaction. I submitted a dispute to TransUnion on XX/XX/2025, under my rights outlined in Section 605B of the Fair Credit Reporting Act, requesting the removal of this fraudulent account. Despite providing necessary documentation, the account remains on my report. I am requesting CFPBs assistance in ensuring TransUnion promptly blocks this fraudulent account and notifies the furnisher as required by law.
Product: Credit card

I opened a Lowes credit card in XXXX 2015. They contract their cards with Synchrony Bank. My XXXX payment of {$42.00} was due in XXXX. I made a phone payment got a confirmation number. Three days later I got a call from the bank about my payment. Called back was told payment was received. Happened again. So XXXX times I was told payment received. They I get my XXXX statement showing payment was n't received and a late fee and the payment was {$180.00}. So $ XXXX {$84.00} which I sent and a letter saying there should be no late fees since I made and was told XXXX times it was made. Even with a late fee {$84.00} & XXXX is {$100.00}. XXXX statement arrives and again a late fee and a payment of {$.00} I send {$100.00} with another letter stating there should be no late fees. They declined my request. So XXXX statement arrives and they say my payment is now {$320.00} How in four months can my payment go from {$42.00} to {$320.00}. They keep saying there 's a past due amount of {$160.00} I have made all 4 monthly payments and wrote numerous letters every month. What is this {$160.00} for? I checked your web site and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their store again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this account. I do n't even know what it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this.
Product: Debt collection

For months now I get multiple calls a day from " CBE Group ''. They never leave a message. I do not have any outstanding debt and nothing shows on my credit report. 
When I XXXX  CBE Group I see countless reports that it is a scam company so I never answer the call. I always block the number but they just continue to call with a different one. I've never received any notice from anyone stating I owe money. Today I got my first text from them asking me to call.
Product: Debt collection

I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report ..XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX
Product: Credit card or prepaid card

Citibank keeps calling 2-3 times a day, invading my privacy. Im currently out of a job, and they keep harassing me, even on a Sunday morning. Im always waiting for employers to call me for an interview, but never knowing if I could miss this opportunity because of a citi bank. They keep charging interest and late fees ; so fat it being {$180.00} on top of what I owe. They refuse to remove it, and keep increasing my debt.
Product: Debt collection

i was advised by   XXXX   XXXX   that they (   XXXX   ) directed  SIMONS Agency t o remove all collection attempts by  SIMONS AGENCY   XXXX   XXXX  advised me of this on  XXXX .   
Simons agency has failed to complete removal of these false collection bills on my credit bureaus.
SIMONS fails to cooperate
Product: Student loan

I have a consolidated loan with Nelnet/XXXX for my ex husband who is now deceased, and myself. We consolidated approximately {$12000.00} principle of his loans and approximate {$7000.00} of mine, in XXXX. 
Upon our divorce, we made an agreement that each of us were to repay on a schedule. Due to many hardships in our lives, we have used the forbearance and wage repayment schedule. 
He died in XX/XX/XXXX and his Plus loans and other federal loans were forgiven, however, a company called XXXX XXXX XXXX has recently started calling me at work, after I requested they not call my work number and gave them my cell number. They call to get a repayment plan with their company.I have received a letter from their offices stating I had 30 days from XXXX to request a hearing. I responded with the form provided requesting a settlement or a hearing in person. XXXX XXXX is threatening a wage garnishment if I do not not enter into a verbal repayment plan over the phone and will not consider a settlement on my loan debt balance ; they insist on collecting the deceased   husband 's principle and 22 years of interest. They have requested documents supporting the loan original balances and the certificate of death of my ex husband. I have emailed, faxed and mailed all these documents, including bankruptcy forms for which my debt was listed in a bankruptcy in XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I am requesting to remove a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize. I have thoroughly reviewed my records and have not applied for credit or initiated any transactions with the aforementioned creditor on the specified date. Therefore, I believe this inquiry is unauthorized and inaccurately reflects on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXXXXXX, Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Product: Mortgage

Good afternoon, I took this mortgage out on XXXX of XXXX. When my mortgage was issued my monthly mortgage payment was {$1900.00} and at the birth of this mortgage I submitted my Property Tax Exemption due to being XXXX XXXX XXXXXXXX Veteran. I provided my mortgage servicer the letter issued from XXXX XXXX XXXX XXXX XXXX. 
Note : I set up auto payment to post on the XX/XX/XXXX from my bank XXXX. 

Now it's XXXX, XXXX, XXXX and Freedom Mortgage withdrew {$3700.00} from my checking account. Note, I was Never notified that this money was going to be withdrew from my account. I immediately called my bank, put a freeze and informed them this was Not authorized. I also called Freedom Mortgage and asked why was my money taken without my permission? This is when I first became aware of the Property Tax issue. My bank was able to return my fund. 

Freedom Mortgage informed me that my property taxes were paid to XXXX XXXX in XXXX of XXXX. Due to my account not having escrow funds to pay the property taxes they forwarded that bill to me and increased my monthly mortgage. May it be noted that Freedom Mortgage already had my property tax exemption letter due to my XXXX XXXX VA XXXX. 

On XX/XX/XXXX I finally received the check from XXXX XXXX XXXX XXXX and I made a payment of {$5900.00} which was to go into my account for the Property Taxes paid XXXX of XXXX. 

I have provided bank statements showing that I have continued making monthly payments on the 1st of every month. Freedom Mortgage continues to show my account as delinquent and the amount I pay is not enough to cover the amount they show. Each and every month Freedom Mortgage has changed the amount of my mortgage payment. 

I am asking if your office can please help correct my monthly mortgage. My mortgage prior to this mistake was {$1900.00}. Now Freedom Mortgage is saying my monthly mortgage is over {$2200.00}. I have called my Home Owners Policy carried by XXXX and it has not incresed to justify the increase. 

I have called and emailed Freedom Mortgage just about every month since XX/XX/XXXX trying to get this issue corrected. 

If you have any questions, feel free to contact me. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had previously sent a notice on XX/XX/2024 to the consumer reporting agencies about an alleged identity theft and to date I have not received a response. There's also a duplicate account from XXXX XXXX but the account type is mortgage when I NEVER HAD A MORTGAGE. This is all identity theft and I demand that all the accounts listed gets removed from my consumer reports. See attached. It has been almost 2 months since I sent this notice with all the documents. Since then, I have completed a new identity theft report as it is now aggravated identity theft. I have also sent a notice cease all communication to lvnv funding and they are still communicating with me on my transunion consumer report. The FDCPA states that the term " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' and consumer reporting is an indirect medium of which they are using to communicate. That is a violation of the procedures of the FDCPA and since they are reporting without my consent they are also committing aggravated identity theft.
Product: Mortgage

My loan was purchased by LoanCare, LLC ( XXXX, VA XXXX ) in XX/XX/2016. I discovered this after I had attempted numerous times to make a payment to my previous mortgage company via their website for my payment due XX/XX/XXXX. There was no indication that my loan was transferred and the error message supplied on my old mortgage company 's website was that a payment could not be processed at that time. Since that time, I have contacted LoanCare numerous times after getting their contact information from my old mortgage company including contacting them last week when I could not make a payment via their website after finally getting access to my account on their site. Interacting with LoanCare has been a comedy of errors ranging from not being able to access their site, getting access to their site but not being able to access my current loan, getting access to my current loan and not being able to make a payment, and being told as recently as today that my loan was no longer with them ( they were looking at a previous loan number for this same loan ). I was not comfortable with supplying my confidential payment information over the phone given the experience I have had with them to date. So the representative, XXXX, indicated that I could mail in the payment and it would make it in time by the 60-day deadline of XX/XX/XXXX. I called LoanCare today and they indicated that they have not received the payment even though I mailed it on XX/XX/XXXX ( today is XX/XX/XXXX ) ( 1st class mail from XXXX to XXXX does not take this long ). The first person I spoke with indicated that they do not process the payment when the payment is received via the mail ( it must be processed via a machine ). Then the supervisor I spoke to indicated that the first person I spoke with was mistaken since they post the payment by midnight on the day the payment is received at their P.O. Box. When I asked if they could ensure that my credit would not be affected and no fees/penalties be applied due to their numerous mistakes, non-functioning website, and inefficient processing of mailed payments, they indicated that they could not help me because I had 60 days and could have made the payment via phone. Unfortunately most of those 60 days were dealing with mistakes and inefficiencies with this loan transfer. I spoke with XXXX ( ID : XXXX XXXX who is a supervisor and XXXX ( ID : XXXX ). I have NEVER encountered a more incompetent company. I have owned my home since XXXX and have NEVER experienced the utter inability to make a payment ( unless I wanted to provide my most confidential information over a phone line ). How is it that consumers are held accountable for mortgage companies ' negligence and inability to provide basic services and accurate information? I am dumbfounded. I am now debating on stopping payment on the check that I sent at a cost to me of {$39.00} and try to make a payment via their website since it appears that the issues with my website access to make a payment on their site may be resolved. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Reported many disputes of accounts that did not belong to m failed to properly investigate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX was and account closed on XXXX, and never been late, they did not sent me any proof of this or any documentation about it..
Product: Credit reporting or other personal consumer reports

I want file a dispute on all XXXX credit bureaus and a debt collection about a card that I didnt use exactly my card was lost and somebody made a purchase XXXX on my credit card I been going through a lot so when I seen this and Im glad they closed the account but now its on my credit as a debt collection and I want it to be remove immediately because its slowing down my credit most of them inquiries is false and did even go through or happen I want to remove them too immediately the collection agency have gave false misleading practices violating annual XXXX and not only I didnt tell the debt XXXX to buy that debt to add to my credit report and they never sent a letter to my address or I never got it stating that I can dispute this debt in a certain amount of time 15 usc 1692c state that if the consumer notifies a debt collection the consumer must decease any communication thank you so much have a bless day. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>