23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

on XX/XX/2024 I paid XXXX to XXXX XXXX to reenstate my car after it was reposessed on XX/XX/2024. I was told that an additional fee of XXXX needed to be paid on the day of car pick up and it was paid that day on XX/XX/2024. I was told by the reinstatement department that this will reinstate my account back to good standing and I would continue to make in-full on-time payments for the duration of my loan until paid off. My car note is due the XXXX of every month. on XX/XX/2024 I called the customer service line to make a payment on my car because my online account stated I have to call in for service. the custermer service agent told me I owe XXXX for this months payment. my payments are XXXX per month but was told that the XXXX covered a portion of my payment that month. I paid what she told me to pay over the phone and received no receipt or confirmation. The following month on XX/XX/2024 I called in to make my monthly payment and was told that my payment was {$930.00} and I paid it on the phone with the agent. I told the agent I received a notification on my XXXX XXXX app that my account had been charged off as of XX/XX/2024. I was confused because my payments were on time and in full and told by several agents that I owe nothing until the next month. they stated they didn't know why it was charged off since it was reinstated XX/XX/XXXX no payments had been missed and no money was owed. I was told they would escalate to management and I would get a call back. I never received a callback and I called Genesis Finance about the issue XXXX additional time and spoke with a client agent who told me they would escalate it and have management call because they were not able to get ahold of management. that was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and haven't received any correspondence, not through mail, email, or phone call. I have a charge off on my credit from a company that reinstated my account to active and took my money charged off without cause.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  My wallet, Id, credit & debit card stolen.My Apple ID and I-phone was compromised they accessed all my personal financial files, emails, existing XXXX XXXX account, electronic wallets, and social security number. XXXX police report XXXX. FTC report XXXX. When I learned they opened an Apple Card in my name, I immediately called Apple to report the fraudulent activity which at that time the balance on the card was close to {$3000.00}. They assure me they closed the account and would investigate further. Two weeks later I received a notification from the Credit Bureau my credit score decreased by XXXX points and the Apple Card is now at {$4800.00}. I called Apple back they apologized the card wasnt closed and it was an error on their part. They still havent removed the information from my credit report and the case remains open to date. Now Im a victim of this banks negligence. Please assist me and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to Transunion to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the XXXX  law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You also violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written consent to report this on my consumer report! Remove this off my account ASAP!
Product: Credit card or prepaid card

Dear COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX  ) ; I was shocked when I reviewed my credit report and found a late payment on the dates below on XX/XX/2022 for 30 days. ( I was in the hospital  for 2 months during that time. ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with XXXX, XXXX  of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

My rights were violated by XXXX XXXX XXXX XXXXXXXX, they are reporting incorrect information that has damaged my credit and impacted my family/business. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I have proof that I was a victim of Identity Fraud & my next step will result in me taking legal action against these companies & bureaus!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX  - XXXX  SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SYNCB/HAVERTYS Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ XXXX5 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account listed below should be corrected straightaway : XXXX XXXX
Product: Mortgage

Hello, My name is XXXX XXXX. My loan number is XXXX. For XXXX months my husband and myself have been trying to get freedom mortgage to correct the amount that we own on our mortgage. We have file complaints with the XXXX  hoping that they can help us resolve the issue. My husband has call a number of times and been treated unfairly. My husband and I both believe that we are being treated unfairly because we are both XXXX XXXX and my husband is also a XXXX  vet. We have spoken to a customer rep for Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. On XX/XX/XXXX we spoke to a man by the name of XXXX and he promised us that he would fix the situation and that he would call us back but never did. We then call back on XX/XX/XXXX and spoke to a escalation lead rep by the name of XXXX. She also promised us that our situation would be corrected. She also stated that she would call us back on XX/XX/XXXX to follow up with us after she spoke to the underwriter. She never called back. So my husband and I decided to sale our home and Freedom Mortgage still is showing that we owe them XXXX which HUD is also showing this amount on their end which we are being double charged because Freedom Mortgage refuse to remove it from their records and they know that they are providing false information. We also was manipulate into signing a form that we did not totally understand which caused us to owe the XXXX which we take full responsibility for it since we did not read the complete contract and just went on the word of the Freedom mortgage rep. We have tried to resolve this issue but because we are XXXX XXXX and my husband is XXXX, Freedom Mortgage refuses to correct the issue. 
The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex, familial status, national origin or disability at any stage of mortgage process. This has been very stressful and very bad for my health and my husband health well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting a fraudulent debt on my credit report. I am not sure if this is something opened by Wells Fargo ( we all know about that ) or if it was opened by an identity thief not associated with Wells Fargo. What I do know is that from viewing my credit report it looks like it was immediately maxed out and then never paid. 

I have filed a new identity theft report ( see attached ).
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they're there. I checked my report as usual, but suddenly these discrepancies appeared out of nowhere. I even refreshed my browser to rule out a glitch, but the unauthorized inquiries remained. I am extremely frustrated and demand that the documents I submitted be reviewed thoroughly so I can stop worrying about this issue.
Product: Mortgage

Like many others in XXXX, due to XXXX, as a XXXX  mother, I was forced to resign from my job and stay at home with my children due to their school shutting down and only doing remote schooling. My children were in XXXX XXXX and I had no other options. I applied for and was granted a Forbearance through PHH Mortgage Company and I was told once I was able to return to work, I should then contact them and a Modification for my mortgage would be made. I was assured my credit would remain in good standing and all would be ok. Immediately upon returning to work at the end of XX/XX/XXXX, I contacted PHH Mortgage and requested to start this process. At that time, I even requested to begin to make payments to my mortgage and I was told " NO '' as it would have a negative impact on my credit score. The process of having a Modification in place would take weeks and weeks. Once the modification was approved, my mortgage was now a 40 year loan and I was verbally told on the phone that I could make " extra payments to my principal so I would not have a 40 year loan and pay it off sooner '' and was told this was encouraged and I would not be penalized. As a general rule of thumb, this is what I have always chose to do. As I began to get back on my feet, I was able to make extra payments to the principal of my loan in XX/XX/XXXX through the end of the year. I made sure to send in a paper check with my payment coupon, with my written request of how much was to be applied to an extra principal payment. The next statement from PHH mortgage confirmed the extra principal payment was applied. In XXXX, I had an estimated $ XXXX extra applied to my principal, but a closer review of my records the following year, showed me that PHH Mortgage did not in fact apply those payments to the principal as I requested. At the end of the year, PHH Mortgage took those funds and applied them to outstanding late charges, other fees, etc. due to the forbearance and modification loan. I received documentation from them recently as I questioned this again when I did a Re-Fi and was basically told they could do this, even though the paperwork I have states part of the Payment deferral agreement/ modification / forbearance plan was to adjust the due dates to bring the mortgage current ( hence why this did not impact the credit scores ), defer the repayment and past due amounts ( I was told my missed payments would be added to the tail end of my mortgage ), and waive any late charges required. My escrow payments were increased to make up for that loss. And I was never, ever once contacted by PHH Mortgage and told by them that they were going to change where my requested monies would be applied too. I have other loans that I could have been paying down the principal, and that was my goal. Instead, PHH Mortgage just rerouted my money to suit them and profit over fees they told me I wouldn't even be subjected to and had me pay extra interest on a loan, when the principal should have been lower all along. This is just for XXXX, I haven't even looked at XXXX yet.
Product: Mortgage

My credit report says my last payment was XXXX and I have a delinquent account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint to Experian. XXXXXXXX XXXX  has been reported as committing fraud. I have proof I will send Experian showing that they reported and changed my payment amount I seeking legal assistance about XXXX XXXX my original payment is XXXX they changed to XXXX a month, the terms are 72 not 74 months thats reporting on Experian, XXXX XXXX has changed the terms with out notifying or showing any documentation, I will send a payment summary showing the terms of the contract, does not match whats on Experian, please. Delete this account its fraud and I want it off my credit report
Product: Credit reporting

IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXXXXXX XXXX acct XXXX, XXXX XXXXXXXX XXXX  MD XXXX ref. XXXX, XXXX XXXXXXXX XXXX acct 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 an account without my written instructions.
Product: Debt collection

this account is in violation of the fair credit reporting act due to improper debt validation no contracts no signatures this is in violation of section 609 604 623 and maybe several others
Product: Checking or savings account

Under the terms for my XXXX XXXX Account, interest is supposed to be credited monthly based on the XXXX XXXX for the prior year + 1 %. I submitted a question to Optum Bank this week through their email portal asking what the rate is for XXXX. They responded that they rated is 0.01 %. A rate of 0.01 % does not comply with the terms for the XXXX account because the XXXX alone in XXXX  was over 5 %. Therefore, the customer service rep at Optum Bank either gave false and misleading information or Optum Bank is cheating customers by failing to pay the agreed amount of interest.
Product: Credit reporting or other personal consumer reports

There are accounts and information on my credit report that is not accurate.

They are unauthorized and show be removed from my credit report immediately. XXXX XXXX XXXX opened XXXX  2024 balance {$240.00}. This account was opened without my knowledge and should be removed. XXXX XXXX inquiry on XXXX XXXX  2024. This inquiry was done without my consent please remove from my credit report.
Product: Debt collection

I received a call on my cell phone by a person who identified herself as XXXX XXXX. XXXX XXXX then read my date of birth and last XXXX of my social security number to me. She did not ask me to verify it. I asked to speak to a supervisor. The supervisor name that I spoke to was XXXX XXXX. The supervisor went on to do the same thing. She provided me with the last XXXX of my social security number and date of birth. I explained to her that this was a violation of my personal rights. She could have provided my information to anyone. Now anyone that answered the phone could be applying for credit under my name. I explained to her repeatedly that to apply for a credit card many companies only ask for your date of birth and the last XXXX of your social security number. The supervisor states that what she had done was completely legal. Giving my information out over the phone is completely ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached findings from  XXXX  's  XXXX   XXXX ,  XXXX  investigation. The date of payment, actual payment, scheduled payment amount and date of last activity are all incorrect. In addition, my  XXXX   XXXX ,  XXXX  report does not reflect  XXXX ,  XXXX  and  XXXX   XXXX  reporting. The following should reflect a s : 1. D ate of Last Payment :  XXXX   XXXX ,  XXXX  not  XXXX   XXXX   2. Actual Payment Amount : {$1200.00} not {$1200.00} 3. S cheduled Payment : {$1200.00} not {$1200.0 0} 4. Dat e of Last Activity :  XXXX   XXXX  not  XXXX   2016 See  CFPB complaint numbers  XXXX  and  XXXX