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

I discovered this company XXXX XXXXXXXX XXXX XXXX  XXXX had been reporting XXXX fraudulent credit card accounts on my credit reports when I obtained my credit reports on or about XX/XX/XXXX, following my denial of favorable auto loan financing on or about XX/XX/XXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal XXXX department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, XXXX, XXXX, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within XXXX business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over XXXX days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my XXXX AND EQUIFAX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on XXXX is misleading, inaccurate and incomplete.XXXX says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With Equifax " date first major delinquency reported says XX/XX/XXXX and XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.
Product: Credit reporting or other personal consumer reports

XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my XXXX, TransUnion and XXXX XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my XXXX XXXX. I have disputed this numerous times to deaf ears. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History Navient Borrower payment records XXXX XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

Dear FIRST CITIZENS BANK and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible.
Product: Debt collection

I was contacted at XXXX XXXX  while in Hawaii from XXXX XXXX regarding collecting debt for Hunter Warfield. I have repeatedly asked to stoped being harassed and to be removed from the call list. The call was from XXXX XXXX XXXX florida Hunter warfield XXXX XXXX XXXX XXXX XXXX XXXX  florda I am tired of being called at these hours and want it to stop.
Product: Credit card

On XX/XX/year> I received a text notification that a Capitol One Quicksilver card was applied and approved under my name, phone number, and home address. It took me until Monday the XXXX to realize that this wasnt a spam text and was legitimate ( as I was notified it was in delivery now ). The card luckily came into my hands, but someone had apparently stolen my identity and applied for a credit card under my name. As of now I have put a fraud alert through all XXXX  Credit companies and froze my accounts in each of them. I dont think my credit has been affected yet ( as all I see in my credit info is that its under Hard Inquiries ), but Im afraid of what could still happen.
Product: Debt collection

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear in your credit file. The credit bureau has not updated this information and per the new law the debts listed do not include this information and should be deleted from my credit report.
Product: Checking or savings account

My account has been frozen for 2+ months now with upwards of XXXX dollars, that I can not access since XX/XX/22. I deposited a cashiers check into my branch in person, which was an inheritance from my grandmother ; it was assumed by the bank teller that it was fraudulent ( which it in fact is not, and has been verified and confirmed since this assumption ). 

Because of this, the bank [ Citibank ] restricted my account completely, and told me, in writing, that I would receive the totality of my funds and regain access to my account in 5 business days. However, the day I left the bank I had no access to any of my funds, not even what I originally had before the check was deposited. 

So the bank closed my account in suspicion that my check was fraudulent, and by the time it was confirmed to be legitimate, the bank teller had already assumed it wouldnt be ( I dont know if its because of the fact that Im XXXX XXXX ), and closed the account without confirming the validity of my check. And now the check has been confirmed to be deposited, and is just sitting in the account I cant access. 

Since my bank has been closed, I have missed : - My life insurance premium payments that I can not miss, something Ive paid on time every month for the last year that affects my future funding & credit history - my medical expenses, & have had to postpone numerous doctors appointments since I have no access to my funds, furthering XXXX XXXX Ive already had for months that Im forced to wait for now since I cant access my account- I can not pay off the remainder of my debt from my other bank, negatively affecting my credit score while Im looking to rent an apartment in the coming months - Im self employed, & my entire business can not be sustained as I can not pay for my access fees, nor can I show any of my customers what they have access to, in turn causing customers to leave my business, as well as me not having access to multiply my money, which was/is my only income source. 

- I can not purchase a car, which I need for my job Im planning on getting, as well as emergency transportation for my family.
Product: Credit reporting or other personal consumer reports

On about XXXX XXXX XXXX XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to 2 representatives XXXX and XXXX they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is Equifax. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with Equifax supervisor XXXX XX/XX/year> and she advised no follow up on complaints but provided case # XXXX
Product: Checking or savings account

I have been disputing a charge since XXXX for an authorized charge i did not make for {$1000.00}. I have text messages, police office statement, and its never sufficient enough. I submit a CFPB and the executive office calls to tell me my claim has been resolved and final. Days later she calls me back to tell me she gave me incorrect information and the investigation is still ongoing, but that based on the evidence i submitted, everything looks good. The fraud department has submitted XXXX claims for this, they are never able to tell me what the charge is for. How is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or instructions.
Product: Debt collection

XXXX XXXX / XXXX / {$1200.00} XXXX XXXX XXXX XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX  ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX that was refinanced with XXXX and closed in XXXX 2016. The loan has since been transferred to Seneca Mortgage Services from a letter that XXXX has sent to me. I have not heard anything from current mortgage company Seneca. No statements, welcome letters, calls or any contact whatsoever. I have also tried to contact Seneca 's customer service but it 's all automated and ca n't get to a live person. It asks for a loan number but the loan number I was provided by XXXX says it 's not valid on both their phone and web access. I do n't know what to do at this point since I ca n't even pay a mortgage I 've never received a statement on.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I recently noticed that a company called XXXX is reporting my account as a collections account. I am not sure if this account was sold. If it was sold, they should not be reporting any account to my consumer report. It should be removed. I need clarification. I want to ensure the company responds to my complaint and notice of dispute accurately. I am requesting a investigation into the matter.
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for 2020 reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX, XXXX a Account name XXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPSTART ( XXXX Co ) XXXX XXXX, CA This company has reported an INCORRECT data on my Credit Reports preventing me from getting a Mortgaga Loan. A Bloody {XXXX} Charge which I never saw until after I had moved I had moved in XX/XX/XXXX and they sent the letter in XX/XX/XXXX... I pay my Monthly Obligation of {XXXX ON TIME EVERY MONTH ... .NEVER LATE!!!! 

They sent a {XXXX  Late Fee letter to an address where I was no longer residing at. This DEVILISH and Law Breaking Company NEVER contacted me via Email or Phone about this XXXX  charge ... .I only found out when I looked at my Credit Reports when I applied for a MortgageLoan .... 

This XXXX} Late Fee has RUINED my Good Credit and DROPPED XXXX Points on my FICO Scores to point where I can not get a Mortgage Loan They are not following the Fair Debt Reporting Act ... Breaking the Law with their ridiculous HIGH INTEREST RATE... RUINING people 's Excellent Credit & Lives This XXXX Company should be investigated ... They are a LOAN SHARK out there RUINING LIVES UPSTART ... .I can not get a Mortgage Loan because of this BLOODY XXXX Late Charge they '' ve STAINED my Excellent Credit with I DEMAND THAT UPSTART delete/remove this derogatory information from my report NOW Attached are some of my communication with this XXXX  Company Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, account number 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: Debt collection

EOS XXXX, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO XXXX, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ). The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of their call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).
Product: Mortgage

Two years in a row I have had this problem with Carrington mortgage saying I do not have insurance on my home. I have provided them proof twice from the same insurance company when they sent me this false information. I want them to stop harassing me because I do indeed have the proof that I do have insurance on my property and I have sent them a copy of that information from the insurance company and they have. I am under the impression that they are trying to hoodwink me or trying to get control of my property and thinking I dont know whats going on, but they are an XXXX  and not a legal bank and I can not wait until mortgage regulation comes into affect with the new administration because Im gon na make sure that they investigate this mortgage company trying to take advantage of people. 
They had also sent me a letter that they had changed my mortgage company when I called them. A woman answered and was very confused about how to answer she goes. Let me go and try to find out something about it. I have that letter, but Im gon na also file it with thXXXX XXXX XXXX XXXX  and commission because They can not play games with me. I am not sleeping on Carrington mortgage and I dont want other people that have that mortgage company to think that they are operating ethically because they are not. How many times do I have to tell them and show them that Ive had the same insurance for the past 13 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a forensic audit completed on my mortgage, and the fraud was there. 

I sent the documents to XXXX, my loan servicer, and they came back with a letter that said this : " My review of your loan confirmed your aIIegation of fraud, found no evidence of suspicious activity on the part of XXXX and determined that your allegations are unfounded and without merit. '' XXXX confirmed fraud in the mortgage, and still demands payments I can send all of the pdf files to you for perusal at your convenience.
Product: Debt collection

this debit was paid to jefferson capital systems llc on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by jefferson capital to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something jefferson capital systems failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since jefferson capital never sent me a letter showing that the debt was settled.
Product: Credit card

I recently renewed a XXXX XXXX Credit Card. On the public website it explicitly states the payment terms are XXXX XXXX. This is not in compliance with the XXXX days which are required to let the consumer pay their bills. I believe a reasonable person would look at this and ascertain this is a continuing violation of the CARD Act of 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by Experian and XXXX?
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. 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