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

In the month of XXXX in XXXX, I discovered that Equifax had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to XXXX on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! 

These blatant actions that the Executive Officers of Equifax clearly condoned have caused me loss of business relationships, XXXX instability, XXXX and XXXX XXXX due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Mortgage

I am XXXX for the XXXX and since the market crashed, I took a pay cut. Based on that, I had to modify my loan ( Mortgage ) so that I could afford my monthly mortgage. During the modification, In the month of XXXX 2015, I submitted my payment as usual. Nation Star who is my lender, removed the money out of my account on XXXX XXXX, 2015 in the amount of XXXX. No that I am attempting to refinance my loan, It was brought to my attention that Nation Star indicated that I was late on my XXXX 2015 payment and it has affected my credit report. I contacted Nation Star and they advised me upon checking their records/notes that it was a mistake and that it should not be noted on my credit report. This has affected me because its stopping me from refinancing my loan so that I can have a more affordable payment and provide for my family.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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
Product: Checking or savings account

BofA refused to give me my ssa money they took out what I owe them on the XXXX  an they won't like get it from the bank there sending me check they said an to date no check can't get food or my medical supply an meds because of the it not right for them to do this to a older adult their way they're treating me and I'm fairly done my wife made a mistake on there and I have to pay for it he didn't Washington DC was in the military I'll still there now I don't know where she's at to be in jail because of the bank I don't like this at all you're a fair treatment and the people is unreal you'll see what the those security department 's going to say and everybody else
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 confidentially under 15 USC 1681. 


XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX 1

5 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.
Product: Credit reporting or other personal consumer reports

I've reviewed my Consumer report and noticed that there was inaccurate accounts on my credit report. I've received an entire report with a totally different name. The credit reporting agency notified me that they've done an investigation which is not true because the reporting is not my name. 
Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Consumer Reporting have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy I've contacted Transunion and asked them to investigate and remove the inaccurate accounts from my consumer report that they are reporting and I've requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me The law states If after any reinvestigation under paragraph 1 if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Mortgage

My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.
Product: Bank account or service

Wells Fargo kept taking my direct deposit for fees they say I owed causing my account to always be - {$880.00} then when I had my direct deposit transferred elsewhere they closed the account and put me on XXXX for {$1000.00}, now I cant get a checking account anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2100.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified items. I think you have not validated these items 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. 

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

Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.
Product: Credit card or prepaid card

I called the social security administration on XX/XX/XXXX, to order a Direct express card because I moved from XXXX and arrived in XXXX  on XXXX XXXX, ,reported my change of address to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX washington XXXX ,But when i called Direct express at the XXXX They were refusing to cancel Direct express card that was sent out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ,it had XXXX dollars on the card and it had been stolen..i tried explaining to them but they kept refusing to listen after stealing XXXX from the card then they started to listen so they sent me a new card to my new address in XXXX XXXX with XXXX dollars on it , ,all of my money was gone except that then what they did was hid the previous transaction from the stolen card so i couldn't retrieve them.. 
But The social security administration allows you to put a trace on all the money they send you so you can report to the police when people steal and scam you out of your ssi benefits or covid 19 benefits.. And they also send you a statement..direct express card services stole XXXX off my card wouldn't let me retrieve or know where the money went or transactions only sent me XXXX dollars of my money on my card, ,I need the XXXX that was stolen from me, ,from the card that they sent to the wrong address at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is not my address i live in the state of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXXXXXX XXXX XXXXXXXX..So Direct express shouldn't have sent nothing to XXXX.I want my XXXX back that was stolen..they have the information..they wouldn't let me see it but the social security administration told me ..I need my covid relief money back that was stolen from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX   XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX  XXXX {$750.00}
Product: Checking or savings account

Wells Fargo Bank- I opened a new account and the offer was that if I direct deposited {$2000.00} within 90 days, I would receive a {$200.00} bonus. 

I did what I was supposed to do, based on how I understood this offer, but was later told by Wells Fargo that my original {$25.00} deposit does not count toward to {$2000.00} and that I subsequently only made {$1900.00} in direct deposits. 

I believe I acted in good faith and was mislead in how this was worded and explained to me during account opening. I am just requesting that Wells Fargo honor the bonus offer I was promised and also act in good faith. 

Can you please approve my {$200.00} bonus? Thank you very much.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I noticed two charges on my CashApp Statement that I did not make. Using the app, I disputed the charges, Since this has happened before with the same merchant, I called CashApp to see if that merchant could be blocked from charging my account, and the representative I spoke with cheerfully blocked the merchent and told me to have a nice day. The following day my card was canceeld with no warning or reason and both of my disputes were denied. I tried repeatedly to reach them through phone, email and the chat function within the app and they refused to tell me why this happened. On XX/XX/2023 they sent me an email saying that my disputes were flagged as fraudulent so they were denied and my account was being canceled for violating their terms of service. I have been a customer of CashApp for many years. I have NEVER violated their terms of service, I did NOT make those charges and CashApp had no right to deny my claims or cancel my card.
Product: Checking or savings account

Very frustrated I contacted the bank today XX/XX/XXXX, its been past 10 business days I still havent heard anything my card was used in XXXX XXXX FL  I am a Pennsylvania resident this is beyond ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with XXXX XXXX XXXX  about a year ago. They never once sent me a billing statement. I have had phone conversations with them almost monthly since the first billing cycle explaining that Im not receiving statements the represtaives I spoke with told me the late fees would be removed and that I wouldnt need to make another payment for two Months, yet I would receive a call the next month stating again my payment was past due. Again I explained that I have not received a statement and I made a payment on the phone with the representative who said the late fees would be waive and they would send me my statements. I have spoken with serveral supervisors who said they would 1 resolve the issue 2 remove my late fees and 3 remove the late payment remark from my credit report which has not been done. When I called back to speak with the supervisor who I spoke to in XX/XX/XXXX who had said he would correct the issues and then failed to contact me with the result, I was told by the XXXX XXXX  rep that they would not allow me to speak with him. recently I was finally able to get XXXX XXXX  corporate office to fax me all of my statements which showed a total of {$190.00} in fees that they have charged me and are now refusing to remove they are also refusing to remove the remarks on my credit report unless I pay the balance which includes {$190.00} in fees that should have been removed due to the fact that they never once sent me a bill. This practice is very unethical. I appreciate any help in resolving this issue
Product: Vehicle loan or lease

In XXXX of XXXX XXXX I purchased a XXXX XXXX XXXX the next day I went to Pick up the cand it was a XXXX XXXX XXXX XXXX  betold me The loan didn't get approved by XXXX bank, so they tried Another bank, And it was approved For the XXXX  I had Already put a down payment down For the XXXX and got the insurance while I was There how however what I got And? 
Saw the XXXX  and had my previous car Told XXXX because the downpayment Went from XXXX XXXX XXXX XXXX,, So I'm already stuck. I went along with everything. Got the car out of the XXXX  months. I missed for payments. However, the next month I doubled so I was all caught up. They did explain to me about latest which I pay. XXXX, the XXXX 2024 would be my last payment.Now they're saying I owe XXXX XXXX XXXX XXXX I checked my balance In. 
XXXX and I owed {$2400.00} now, all of XXXX XXXX XXXX, XXXX XXXX, I paid {$370.00} XXXX,, The amount hasn't changed.My daughter called yesterday and they took {$370.00}, XXXXfor XXXX,, out of the {$2400.00},, Like they're doing me a favor,,,, When my balance was {$2400.00} in XXXX,, I paid {$1800.00}, ,Total, ,until XXXX, XXXX 2024,,, Now they're saying the balance It's {$2000.00},,, Which Should only be {$530.00}. They're trying to convince me that the XXXX payments that were Missed is & XXXX. However, those months That were missed I doubled the next Month Payments,,, ,I paid the late fees and interest rate. So I'm trying to see why are they doing this to me Again?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to attain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8000.00} The following inquiry must also be removed : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to purchase a new car I was advised derived from my XXXX   report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system
Product: Money transfer, virtual currency, or money service

I've been trying to get my direct deposit and netspend said they had a problem vefying my idebty when I showed them my id. I just want my money for unployment
Product: Debt collection

A fraudulent XXXX account was opened In my name, XX/XX/year>. I have no recollection of this account. There is a remaining balance of {$180.00} that I should not be responsible for. I have reached out to Jefferson Capital Systems LLC in attempts to resolve this issue. No solutions have been made in this regard.