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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am submitting today to file a complaint regarding identity theft that has adversely affected my financial well-being. On XX/XX/2024, I discovered unauthorized activity on my accounts and personal information I realized that I had become a victim of identity theft. Despite taking measures to safeguard my personal information, such as unauthorized individuals managed to access my personal and financial data. As a result, fraudulent accounts were opened in my name, unauthorized charges were made on my existing accounts, and my credit report has been impacted negatively. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX {$430.00} XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a big problem with XXXX XXXX getting my payments to XXXX via Loancare during XXXX, but when my husband and I were going to refinance our newly built home, the finance company told us our credit rating had gone from XXXX to XXXX all because of late payment reporting by Loancare . The finance company told me that we had been late a few times in XXXX and had not paid the XXXX and XXXX payment in XXXX. I have proof which I will attach later that ALL payments were made on time to XXXX XXXX XXXX, in XXXX, NM but in XXXX there was two months that XXXX XXXX did not pay the payment to Loancare because they were buying out XXXX XXXX and XXXX XXXX did not pay the payments even though they had received the money.. Then The payments were sent to Loancare with the wrong account number a number of times and then in XXXX and XXXX of XXXX they sent the payments to XXXX in XXXX ( and they can not tell me why that happened ) Payments have been supposed to go to Loancare in CA all along. I dealt with XXXX XXXX for XXXX ( she was with XXXX XXXX and continued on with XXXX Escrow when they took over ) I had other problems with the Escrow company because they did not send me the distribution of money that I was supposed to get but finally gave up on that. Out credit rating is much more important. I want to pay off Loancare ( I have the money ) and get rid of my headache with them and the Escrow Company but need to clear up my credit first. If you check you will see that we have NEVER been below XXXX on our rating and pay all our bills on time or ahead of time. Can not even reach XXXX now and am talking with someone that is supposed to be a manager named XXXX at XXXX XXXX. I have even more emails and such if you need them. We have a gentleman by the name of XXXX XXXX XXXX XXXX that signed a Real Estate contract with us in XX/XX/XXXX to buy the house and the XXXX XXXX company ( Then ) would get their payment, send the payment to XXXX/Loancare and send us he difference. I have proof that XXXX has NEVER missed a payment and is ALWAYS on time. It is the Escrow company in XXXX that started to XXXX things up. In XXXX I was assured that they would never report any bad credit to the credit bureau when I found out what was happening. I just want our credit rating restored since we have NEVER been late on anything. Over the years I have made numerous calls to Loancare to explain what was happening but also had a hard time getting to a human person. Hours on the phone each time trying to get to a live person. The Escrow company as of yesterday had not even paid the two payments that they sent to XXXX in error according to LoanCare.
Product: Mortgage

In XXXX, I applied for a refinance for my FHA mortgage with my mortgagee ( Wells Fargo ). I paid {$500.00} to have an appraisal done on the property ( XXXX XXXX XXXX XXXX XXXX, XXXX ). 

On XX/XX/XXXX, Wells Fargo send me a letter of " Notice of Action Taken and Statement of Reasons. '' At the time I had a credit score of XXXX, an income of $ XXXX/year for the last 5 years, and had NEVER missed a mortgage payment to Wells Fargo for over 13 years. I can verify these statements. 

The letter informed me that Wells Fargo had considered the credit application and was unable to approve it for 2 reasons : 1. Issues with the propertys title can not be resolved at this time ; 2. Occupancy of residence cant be verified. 
I responded to their issues by noting.The deed was in my sons name only and asking why that is a problem since only my name remains on the mortgage? 
Why they could not verify my occupancy since I had lived at that property for the last 13 years and had submitted all my utility bills to Wells Fargo verifying my residence at the propertys address? 

Since Wells Fargo refused to refinance my mortgage for no other reason ( other than the profit they continued to make by my making higher mortgage payments of {$1700.00} ), I was unable to maintain payments and went into the foreclosure process. 

Foreclosure mediation was started by Wells Fargo on XX/XX/XXXX. The start of the foreclosure process by Wells Fargo now had no issues with my sons name on the property deed. 
Wells Fargo offered me a mediation plan which lowered my mortgage payment to {$1100.00}. This is a payment I could have afforded a year ago when they denied my application for refinance. 
But by allowing me this lower mortgage payment, they added on over {$60000.00} as a second lien to the property. Adding on this excessive amount to the mortgage now places the property ( appraised at $ XXXX, with a {$230.00} mortgage XXXX way above market value at $ XXXX. 

My complaint with Wells Fargo is : 1. I believe it is unlawful and unethical for Wells Fargo to deny a financially eligible customer ( i.e., XXXX credit score, $ XXXX annual income, and no missed mortgage payments for over 13 years ) a requested refinance for no legitimate reason ; 2. I believe it is unlawful and unethical for Wells Fargo to add on over {$60000.00} to the mortgage as a second lien in order to maintain continued payment by the mortgagor with an inflated and usurious charge containing excessive and arbitrary fines and fees, and which now places the property thousands of dollars above market value. 

I am asking Wells Fargo to give me the refinance option I originally applied for with the current lower interest rate and the present payment of {$1100.00} which I can afford and to remove the excessive and usurious fines and fees of {$60000.00} added as a second lien to the property.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make anyand according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1081 ( ) ( 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 USC. 1681-2 ( A ) ( 1 ) A person shall not furmish 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

I have never been late of this card. I called the operators are located in XXXX and nobody speaks Eglish.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., EQUIFAXXXXX  an XXXX MY SOCIAL # XXXX to obtain my accounts 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.These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent..

are all unauthorized an have no Permissible use.

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 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) law suit against XXXX ( Case No.8:25-cv-24 ). 

My dispute failed to reflect accurate investigations. For instance 15 USC 1681i ( a ) 1 challenges the 30 day response time.

15 USC 1681i ( a ) 6 ( B ) 3challenges investigation protocol.

15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

In 2023, after buy crypto USTD using the crypto.com company website and APP ( {$420000.00} ) I got an email from this company that I can invest and do trading in their Crypto DEFI wallet, so I downloaded the wallet app from the crypto.com app, and I transferred all my money through several transactions. After few months when I try to access my funds, the app keeps blocking me, I send over 30 emails to crypto.com customer support, and they was telling me the wallets are non custodian and they cant help me. After months of emailing and calling, they told me the wallet was fake and they cant recover my money. 
I told them so crypto.com blindly allowing the scammers using their platform to rob Americans like me? After that they stop replying to me.
Product: Checking or savings account

On XX/XX/2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. 
I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. I filed a dispute with my bank, ( KeyBank ), and they issued a preliminary credit, but ultimately reversed that. 

I spent {$54.00} and {$9.00} through XXXX on this transaction. I disputed both charges with my bank. I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

No one is willing to fix this situation. I just want my money back, because I didn't get what I ordered.
Product: Credit reporting or other personal consumer reports

My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, capital one, XXXX XXXX XXXX, XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a COVID death in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my interpretation, demands the exclusion of any mistaken accounts from my credit report. Would you mind examining the paperwork? Certain accounts listed are inaccurate in terms of reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/19 I was seen by XXXX XXXX XXXX, MD.At the time up until now, I receive XXXX.Doctor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , failed to submit the bill too XXXX at the allotted time, therefore XXXX denied to pay the claim, so instead theyre trying to force me to pay a XXXX bill for their mistake.They sent the bill to United Revenue Corp.a collection agency.This has been on my credit for 2 years
Product: Credit card

on XX/XX/XXXX milestone closed my account for non payment from my personal income. I was told that that was the only payment they accepted. I referred to the bill of exchange act and remitted payment to the address on the face of the bill. XX/XX/XXXX certified mailing proves they received my payment.
Product: Debt collection

I am writing this complaint letter in reference of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX XXXX XXXX  has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX  has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : 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 a account without my written instructions.