23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I WAS GIVEN AN OFFER TO PURCHASE MY HOME XX/XX/2020. THE BUYER WAS TO HAVE EARNEST MONEY DEPOSITED BYXX/XX/2020. THE BUYER WAS TO HAVE PROOF OF A LOAN BY XX/XX/2020. THE CLOSING WAS XX/XX/2020 AND AT THE CLOSING I DISCOVERED THAT THE LENDER, XXXX XXXX OF NRL MORTAGE WHO HAD TOLD ME ALL THE REQUIRED MONEY HAD BEEN OBTAINED, HAD BEEN ROLLED INTO HER FHA LOAN WHICH SHE OBTAINED 2 DAYS PRIOR TO CLOSING. BREACHING THE CONTRACT AND KEEPING MY HOME OFF THE MARKET FOR 2 MONTHS FOR A PERSON THAT HAD NO FUNDS. 
I ALSO WAS CHARGED WITH HER CLOSING COSTS AND THE PRICE OF THE SALE OF MY HOME WAS REDUCED FROM {$98000.00}. TO {$97000.00}. DUE TO A MATH ERROR. 
HER LOAN AMOUNT WAS LISTED AS MY SELLING AMOUNT AND I WAS CHARGED FEES ON THE LOAN AMOUNT OF {$100000.00}. AS I WAS TOLD SHE ADDED {$6000.00} TO HER LOAN TO COVER HER CLOSING COSTS. IN THE END I ENDED UP LOSING {$10000.00}. OFF THE PRICE OF MY HOME AND THE COSTS I INCURED AND SHE WALKED AWAY WITH {$110000.00}. IN CREDITS.
Product: Credit card or prepaid card

XX/XX/2019, Called Capital one to try to remove late payment because it was wrongly reported. called on XX/XX/XXXX at XXXX XXXX REF call XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 someone opened a joint solar account ( shows on my credit report as a secured home improvement loan ) with the company XXXX using my personal information. The solar loan amount was for {$80000.00}. There were late payments on the account, however I never received a 30, 60,  or 90 day late notice. I immediately contacted XXXX to request a letter of deletion, but was put on hold and finally was hung up on without speaking to a company representative. The loan is attached to a condominium I purchased, and as we all know I am not allowed, peXXXX XXXX rules, to install solar panels on my condo. I respectfully request the assistance of CFPB to have this loan dropped off my credit report as it is impacting my credit worthiness. Thank you.
Product: Debt collection

EOS CCA put a collection account on my credit report without sending me any information so I can file a dispute.
Product: Debt collection

I received a notice from " Afni , Inc '', a debt collector. They stated I owed money to XXXX. I knew this was a scam. I don't owe money to XXXX and I called them to double check. 

I would like to report this company as fraudulent. 

This is the information in the letter I received from Afni : Afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX, CA XXXX ( XXXX ) XXXX www.afnicollections.com Date XX/XX/2023 2023
Product: Debt collection

This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to 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 the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : 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 Account # XXXX XXXXXXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, Account # 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$1100.00}
Product: Payday loan, title loan, personal loan, or advance loan

CreditKarma said I had 100 % outstanding approval odds for a Personal Secured loan for {$10000.00} for XXXX. It instantly denied me and put a mark or whatever its called on my credit. I feel as though I was guaranteed this loan by the way it was advertised and feel I should not get hit on my credit for this. Its in a way false advertisement of a loan offer. I would like my credit fixed from this hit if possible. Typically someone trying to get a somewhat small loan like this is because something has come up to where they need the money now and will pay it off later. An emergency. In which I was told 100 % outstanding approval, but got denied. I learned my lesson about CreditKarma and would like to have this hard hit removed. XX/XX/2024. This occured on this date.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1400.00}, which exceeds the original credit limit of {$1200.00}, reflecting a utilization rate of 125 % despite the account being listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX ' status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX ' legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$850.00}, as the account has been closed and charged off. Reporting a balance as past due after a charge-off is inaccurate, and I request that this be corrected under FCRA 15 U.S.C. 1681i. The worst payment status, marked as Charge-off, along with inconsistent payment history, also violates FCRA 15 U.S.C. 1681c, and must be corrected or removed. Lastly, I dispute the remarks, which state " Consumer disputes after resolution ; Charged off account. '' I do not agree with the resolution of my prior dispute, and these remarks are misleading. They should be removed in accordance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year> Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I have a credit building card through Chime, XXXX XXXX XXXX XXXX The Chime credit building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my Chime checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my credit builder account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my XXXX XXXX went down. When I checked my XXXX XXXX  account it showed that Chime reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted Chime to find out why my credit builder account reported a negative balance. They told me that it was how the credit agencies interpret chime reports and i would have to dispute it with the credit agencies. I have since turned off my credit builder card with a balance of {$0.00}. I then googled if anyone else had a similar problem with Chime. I found that this problem has been happening for years and has yet to be corrected by anyone.
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 Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX 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

Dear Sir/Madam Consumer Financial Protection Bureau Wells Fargo Card Services made two unauthorized Inquiry - XX/XX/2018 XXXX only - XX/XX/2018 at XXXX and XXXX so i have fraud alert on my credit report with 3 national agencies XXXX, XXXX, XXXX and contact them two time,  sent mail and request to remove this unauthorized inquiry from my credit buy the didn't response, so i'm asking Wells Fargo Credit Services to remove this unauthorized Hard inquiry from my Credit
Product: Credit reporting or other personal consumer reports

i have a hard pull on my credit report,,, and im not sure why
Product: Credit reporting or other personal consumer reports

XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$23000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This account is false. This car has no lien and I do not owe anyone for this car. These false payments and missed payments are not accurate. 

Please remove this from my credit report. I will attach my clear title with no lien to this report.
Product: Credit reporting or other personal consumer reports

Despite providing documented proof of fraudulent credit card accounts on my credit report, including police reports and relevant correspondence, the credit bureaus has failed to remove these inaccuracies as required under the Fair Credit Reporting Act. I provided documentation proving that this account was fraudulently opened, yet Milestone Credit and Indigo XXXX  has failed to remove it from my record. As an active-duty service member, this neglect violates protections under the Servicemembers Civil Relief Act ( SCRA ). I request immediate action to remove these accounts. I have not only provided the required reports for removal I have also been XXXX  in XXXX  for XXXX  years and was XXXX  IN XXXX XXXX for the XXXX XXXX  in XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet these companies have no issues making it abhorrently hard to remove information as the are required to do my law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXXureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

On XX/XX/, I had opened an online checking account. I received a federal treasury check for my XXXX in the amount of {$8600.00}. This was the same day when BMO restricted access to my account. I called the BMO customer service asked them why a restriction on my account when I did a mobile deposit. I was told by customer service that I do have a daily amount of {$25000.00}, and no monthly limits. I was informed that the account is on freeze due to a fraudulent deposit. The fraud team is doing an investigation, and it will take 14 days, and someone will get back to you. 

I was told that they do have 14 business days to let the Fraud Department investigate this check and see if this is a real check, once this is cleared then my account will be reinstated, and I will have access to the account. I was questioned with how did i get this check and why do I have this check and what is this check for? I did answer all the questions they asked, and it was logged in my BMO case. On XX/XX/, call and spoke with CSR and they too were shocked to see that there was no update on my case and the account is still restricted. The CSR who helped me did send an email to both the Manger and the analyst who is working on the case. 

It is now XXXX XXXX, XXXX, I called, and they kept telling me that I do need to go to a branch to verify my identity so the Fraud Department can then help me further. I had to go to the branch 2x today, to have nothing done. Spoke with the fraude team they said she will email the following to her supervisor, the analyst who is working on my case, as well as his supervisor. This will be the 2nd time an email has been sent out to both analyst and his supervisor with no response as stated from the 1st email that was sent on XX/XX/. 

I also have attached a copy of the email i received from the bank which i will attached here as well
Product: Credit card or prepaid card

Around XXXX of XXXX, i contacted the company to ask for Covid Relief programs they may have as I had lost my employment and didn't know when I would return to work. I was informed they would see what programs I qualify for and that they would contact me with further information. 

In XXXX of XXXX, I realized I was still being charged over limit and past due fees. I called again and was assured that my account had been closed in good standing. I reiterated what I had been told, that my account had been closed in good standing and that there is no balance. I was assured that that was the case. I destroyed my card and was thankful, thinking that that was the end of it. 

On XX/XX/XXXX of XXXX, I called again as i was still being assessed late charges and over limit fees. Again i was assured the account was closed and would no longer be charged fees. 

I called again in XX/XX/XXXX, as my account was still being charged and now had a balance of {$540.00}. {$140.00} ove rlimit fee and an interest fee of {$14.00}. I was assured that the card is closed and that all fees would be credited back. Please understand that the last time I used this card was XX/XX/XXXX. 

I called again today, XX/XX/XXXX. My balance now {$420.00} with a late fee of {$20.00}. I was charged a late fee in XXXX XXXX of {$10.00}. a late fee in XXXX of {$20.00}. After XXXX, the agent hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also States that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

My loans held by Navient are currently under In-School Deferment. Navient is now saying that I will need to pay the interest on the loans while in school but my loan origination shows that I selected no in school interest payments. Navient is stating that their documents show that I selected in school interest payments when my documents show otherwise. This feels like pencil whipping on navients behalf. I have my original loan documents but Navient refuses to send me the new ones. I am not attaching those documents here but am sending them to my lawyer if we do find that Navient committed fraud in changing the language of a loan document without a clients notification or consent.
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. Transunion, XXXX, as well as XXXX they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.
Product: Credit reporting or other personal consumer reports

The accounts that report on my credit report as Dept OF ED / XXXX account number XXXX- all report the the date of initial delinquency was in the year XXXX. This information has passed the 7 year mark for reporting and needs to be deleted immediately as it has aged out of the statue of limitations for reporting.