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

I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XX/XX/2020. On XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ...

XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for 25 minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.
Product: Mortgage

Mortgage Loan was Modified XX/XX/2013. 
{$200000.00} was Deferred until the end of the loans maturity date. 
However, Debt Forgiveness was granted 1/4 of the deferred balance in each of the first 4 years. 
Ocwen, the current servicer, has been contacted several times and they demand that the deferred amount will remain on the loan and will need to be paid at the end of the maturity date or upon a refinance. Ocwen even sent the Modification Agreement to me, which clearly states the Forgiveness on page 16 of the PDF, but they have never read past page the first paragraph. Ocwen is still putting me off and not addressing the situation. They say 2 more weeks to a month before they can review it. It's been going on for 3 years now. I've had enough.
Product: Payday loan, title loan, or personal loan

Ace Cash Express has been avoiding ACH authorization on my debit account and has been debiting checks in my name to their company. They are debiting my account with the checks outside of my original agreement therefore over drafting my account. I am not receiving any written correspondence from this company on the collection of my funds. The company has not been helpful but now I am informed that this is illegal I am trying again to collect my funds from this illegal activity.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

Regarding Complaint Number XXXX. Involving XXXX  ( XXXX   ), Fay Servicing LLC and XXXX. This case was closed but without receiving all documents requested. My initial request was for a complete history of my account with a start date of the year XX/XX/XXXX which is the start date of the loan with XXXX and an end date of XX/XX/XXXX. I received about half of that information. The dates that were sent to me had a start date of XX/XX/XXXX to present. Where is the history of my account from the year XX/XX/XXXX through XX/XX/XXXX? This is very important to a court case I an involved in regarding a mortgage foreclosure. This is information I have requested directly from the parties involved as well as through the CFPB. While the CFPB were helpful in obtaining years XX/XX/XXXX to present, the additional documents for XX/XX/XXXX to XX/XX/XXXX remain to be unavailable. To completely close this case all remaining documents must be submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I went to unfreeze my credit with Experian through their website. I had frozen it prior to this date and was seeking to unfreeze. However, Experian now REQUIRES an account creation to access credit freezing and unfreezing. As my credit was already frozen, I was essentially held hostage and FORCED to create an account to unfreeze my credit. Experian required I provide sensitive information to set up this account. Experian also failed to provide basic security features, such as email notifications upon account creation and offering two-factor authentication. These basic features would demonstrate that Experian is protecting the sensitive information that it forced out of me- however it is not providing these basic protections. So, in summary, my credit was held hostage ( frozen ) and I was forced to unwillingly enter personal, sensitive information into a website, and that website does not provide adequate security measures to protect the information that I unwillingly had to provide.
Product: Vehicle loan or lease

My credit score dropped a lot so i checked credit report on XXXX. I found there are a lot of hard and soft inquiry. And there are 2 open loan and 1 linked credit card that I never known. 

The auto loan information as below : name of loan company : JPMCB AUTO open date : XXXX XXXX account number : XXXX ( X stand for number that doesn't show on report ) balance : {$85000.00} Terms : 72 month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX phone number : XXXX The personal loan information as below : name of loan company : XXXX  XXXX open date : XX/XX/year> account number : XXXX ( x stand for number that doesn't show on report ) balance : {$2600.00} XXXX month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX phone number : ( XXXX ) XXXX credit card information as below ( this credit card payment is paid every month, not from any of my account ) : credit card company : JPMCB CARD Account number : XXXX ( x stand for number that doesn't show on report ) date opened : XXXX XXXX balance : {$10000.00} credit card company address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report my name appears 5 ways.

1. XXXX XXXX XXXX Name ID # XXXX 2. XXXX XXXX Name ID # XXXX 3. XXXX XXXX Name ID # XXXX 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX Number 2 is the correct one. 



On my credit report. There are incorrect addresses. 

XXXX XXXX XXXX EXT # XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Multifamily All of these are incorrect information and I never at any point in my life lived in XXXX NY.
Product: Credit card

I received a letter in the mail on XX/XX/2023 stating my credit card had be closed. Due to previous circumstances which I never had anything fraudulent on this credit card nor disputed anything. I didnt receive anything stating my account was being closed until yesterday as the letter was stated XX/XX/XXXX.
Product: Mortgage

BBVA Compass Loan management. Our mortgage matured on XXXX XXXX. 
1. First issue is that all payments were drawn automatically excluding last payment. We were not notified that for some reason last payment needs to be paid at bank branch department ... there were no communications from bank to us in last payment or transition to closing the loan .... So in XXXX we found out that they transferred our loan to the bankruptcy department. 
2. We paid all of the additional fees in XXXX XXXX, XXXX and since then loan os paid off and at the XXXX balance but we are unable to get lean release or deed of trust from BBVA Compass for our property 3. Customer Support line has no access or visibility to that loan because it is in default department. We can not reach default department by phone, their line has automated recording to leave the message with phone number and they will call back, but noone ever calls back. Our emails to that department go into black hole unanswered with no responses 4. For 4 months we have not been able to get any closure on our issue. They screwed up our perfect credit history by not communicating with us and we are unable to get our rightfully owned title to our real property. Customer support in loan department is horrible. We demand to resort our credit history and clear our property of any leans.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of 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- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 EXPERIAN 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 a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX on XX/XX/XXXX under XXXX account number XXXX, An auto loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX, An auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, An student loan account opened at US DEPARTMENT OF EDXXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX on XXXXunder the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Debt collection

On TXXXX XX/XX/2021 at XXXX, and on another occasion I cant recall because the call list on my phone has erased due to so many spam calls, I asked the scam company to stop calling. I have a XXXX phone that has the app called XXXX XXXX that tells me the number they are calling from is a scam. The company is called AFNI and they call everyday, sometimes XXXX times a day. I want them to stop calling and harassing me when I have told them at least XXXX never to call me again. Please make these scammers stop the harassing phone calls.
Product: Debt collection

First of all I missed the call and they left a message the lady was speaking so fast I really did n't understand her I had to play it over and over. So finally I give them a call back. And she tells me I owe a payday loan back from XX/XX/2011 and if I do n't pay it they will file a lawsuit against me. She was very nasty and ugly. I am XXXX and on a fixed income. This happened 6 years ago. And this was this first time me evening hearing from such. I felt as if she was harassing me and fast talking me
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 confidentiality under 15 USC 1681. 

account name : 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 15 U. S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crime 's which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX Wells Fargo bought my mortgage loan and almost immediately theywould hold my envelops until the payments were late. I was informed that sinceI was late that they would have to put me on a balloon payment. The increasein payments got to the point that I was on the phone all the time trying to workwith them. I was told at one point that if I did n't come up with the money thatthey would put me in the street. Sometime in XX/XX/XXXX a bad storm came throughthe area and lightning hit the home and burned it to the ground. My insurancepaid the amount of the mortgage, but Wells Fargo did n't want the check forXXXX. We were told that they needed a letter from out insurance companyexplaining why we wanted to pay off the mortgage.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I've been a victim of identity theft and found credit inquiries I have no knowledge of here are a few, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received a notification from all three credit companies, XXXX, XXXX and Experian. That a debt collection/ collection agency reported something FALSE to my credit the collection agency being XXXX XXXX XXXX in the amount of XXXX. This is false. I do not know who These people are and I do not know if a XXXX. They have allowed a false agency to report something false on my credit. Please resolve this. Immediately. This is not my debt. I do not owe these people such a thing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File. 

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit card or prepaid card

On XX/XX/2019 I made a purchase using my Citi Advantage Credit Card for which I notified Citi  on this day that this purchase was fraudulent.The circumstances are that after completing my application for my Motor Carrier Number I was contacted by XXXX XXXX XXXX  located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Idaho, XXXX.  This company represented themselves as being a part of the United States Government Agency that I was using and that I had to pay them to complete the process. They misrepresented who they were and when I realized this I asked for my funds to be returned and they said they would.However they have not and there business is a scheme to dupe newly acquired recipients of Motor Carrier Numbers out of their money by fraud and Citi knowingly furthers there actions by not stopping payment when being made aware of there theft by deception.Also the service their selling has absolutely no value.
Product: Mortgage

Mortgage loan was in forbearance. I was told repeatedly by company personnel that there would be no negative credit reporting if the forbearance was satisfied by XX/XX/2021. I actually wrote a letter requesting an extension for 45 days. The extension was given until XX/XX/2021 via letter from XXXX XXXX, Customer Relations Specialist. I subsequently paid off the forbearance in full on XX/XX/2021. 
On XX/XX/2021 the company reported to the credit bureaus that I was delinquent over 180 days, the entire sum of the forbearance was delinquent and I had a loan modification!! In addition the principal balance of the loan was in error. 
It dropped my credit score XXXX points overnight!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, must be updated to reflect accurate information on my Credit File.