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

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car and having little money for months with no job and no way to get to a job if i had one. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. 

i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX  ) i will also be uploading from there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts listed on my credit report with Transunion, in which I do not recognize. I reached out to Transunion via certified mail over 30 days ago. I provided Transunion all the necessary documents to remove the following account : XXXX XXXX  # XXXX. However, I have not heard back from Transunion nor have they remove the false accounts listed. I am reaching out to CFPB to help me resolve this issue.
Product: Debt collection

They contacted me by phone numerous times and hung up on me without speaking to me. When I finally spoke to someone they directed me to a website that was different form the public website to see the debt. When I said I would not. I would only go to a site I could go to via web search. I found the company site. I found the payment portal and input the registration numbers they gave me and received an error message with 5 attempts same message. I requested a statement in writing. They refused saying they could not send me a statement in writing. The caller had no way for me to validate them independently. This company is creating security risk for consumers. This all occurred during the month of XX/XX/. I attached screen shots of the error message, the public site I visited, and the site from the e-mail XXXX sent to spam and the caller insisted I should use.
Product: Money transfer, virtual currency, or money service

In XXXX I was contacted on a social media planform for romance marriage. He used a fake name XXXX XXXX. Birth place in Texas and race XXXX. All false. 
I was scam instead to send wire transfer to XXXX while he caught Covid-19 Respond Unit and to pay his medical bills because his bank account was frozen and he promised he will pay me all the wire transfer sent to XXXX XXXX XXXX XXXX XXXX while being treated form Corvid-19 for over XXXX He was suppose to be XXXX in XX/XX/XXXX. His doctor XXXX XXXX XXXX and his driver XXXX had passed away was the culprit scammer. He kept on asking to pay thru wire transfer before he will be discharged. Kept asking more and more till excited to {$400000.00}. If he ( us ) won't pay he will be sent to detention center of immigration in XXXX. Ones the medical pay will be paid then he will be discharged and able to come back home. It was all a lie.

I have all the wire transfer documents.

Please advise.

They posted fake photos of other attractive men and used as treating physicians. They were all fake. And there where all done in USA. To identify them by the phone number they used on
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to boost my credit through experian boost after seeing my score was XXXX with them as compared with XXXX & XXXX scores in the mid XXXX 's. After going through the boost site info filling in the boxes etc, I had to fill in my bank which is XXXX XXXX but was not a bank that experian on their list of hundreds of them they refused to remedy the problem. I contacted XXXX XXXX who told me that they are open to all three major credit services and could not fix my problem. Help me to fix this problem asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2017. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2017. The account status is wrong and should be closed. Now, I want you to remove this misinformation on my file. 


XXXX XXXX XXXX
Product: Student loan

My servicer, ACS Education, purports to provide forms on their website that borrowers can use to request in school deferments. However, when I attempt to complete the information necessary to print out a form to request a deferment, the ACS website displays an error message stating " Please enter Valid Account Number. '' ( The form includes a field that says " account number. '' However, this field is pre-populated and can not be edited by the user. ) The same error message appears when the user clicks on the button to download a blank form. The " Deferment Assistant '' on the ACS website does n't provide any other information about how to request an in school deferment for federal loans serviced by ACS. It seems quite possible to me that this website design is intended to discourage borrowers from seeking deferments for their loans.
Product: Credit card or prepaid card

I recently applied for a Citi Advantage card and was denied. The reason stated was they couldnt verify some of the information on the application. I called Citi Advantage to inquire as to what it was they couldnt verify and they were unable to give me a reason. I specifically asked if it was a credit score or income verification and they said no. I asked if the application could be reconsidered if I provided income and address info and they said no. 

We recently moved to the XXXX area and my desire to have this card is for travel purposes. My credit score is above XXXX as is my husbands. We have verifiable annual income in excess of $ XXXX and own our house outright. 

I am perplexed as to why I was denied and feel I am being treated unfairly.
Product: Checking or savings account

hi, on XX/XX/18 i have transfered out funds from chase through XXXX my account showed the funds are availible with no pending ACH, every day if there is an ACH debit at chase its shows the transection in pending and the amount is updated in the availiable balance, on the XXXX all of the sudden i was charged a {$34.00} for INSUFFICIENT FUNDS FEE FOR A {$25.00} ITEM - DETAILS : XXXX XXXX with the date of the XXXX so they did one of the 2 either they made a change the way they display an ACH without prior notice, or its an error on their system, but in any case its happened because of them and they shouldnt hold me resposible for that and charge me. 

they agree on what im saying they just keep saying that im not aligible for a refund
Product: Credit reporting or other personal consumer reports

Below I will attach proof of identity and address validation along with supporting documentation so On XX/XX/2024 I XXXX submitted a dispute via certified mail to XXXX and Experian and XXXX Im a victim of identity theft / fraud all credit reporting companies fail to protect my consumer rights and did not remove fraudulent accounts and inquiries on my personal credit report which Cause emotional distress I and my attorney now have to file a civil lawsuit in court for violating Texas penal code 605b of the fair credit reporting act my attorney have filed against all above companies in federal court as of XX/XX/XXXX XXXX FAIL TO REMOVE ALL INQUIRIES WHICH ARE FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX co XXXX Experian did not remove the fraudulent account. 
XXXX XXXX XXXX {$710.00} Also fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not remove fraudulent accounts and inquiries that I did not authorize ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX XXXXXXXX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have viewed my XXXX XXXX  and is aware that Fifth Third Bank is reporting late payments on my XXXX XXXX. Transactions and experiences are excluded from a XXXX XXXX XXXX to the law, and each violation is a fine of {$100000.00} plus actual damages, please remove this account from all my XXXX XXXX or delete the late payments that does not suppose to be share with anyone. I have the right to privacy according to the FCRA. Please read XXXX XXXX ( XXXX ) ( XXXX ) under exclusions, reportinglate payments are illegal according to the law. XXXX XXXX section XXXX statesbi havete right to privacy. Please have these inaccurate accountsbdeleted from all my consumer files or please remove the transactions nd experience like the late payments to prevent future legal matters. 
Please remove the trade line from all my consumer files immediately Fifth Third BAnk
Product: Mortgage

My mortgage was serviced by Seterus Inc until XX/XX/2019 and then it was transferred to a company called Mr. Cooper. I have been receiving mortgage statements from Mr. Cooper about my payments, which are on time and as of XX/XX/2019, the statement I received stated that my mortgage would not receive a late payment if payment was received after XX/XX/19. Under the agreement for mortgage transfer from Seterus to Mr. Cooper, there was to be a 60 day grace period to not charge late payment fees on mortgage payments in the event they would be late, due to the transfer. I paid my mortgages and was not 30  days late. However, I recently received a notice from XXXX   regarding a drop in my FICO score due to a late mortgage payment to Mr. Cooper for mortgage XXXX in XX/XX/2019, which was NOT late, nor 30 days delinquent. I checked the statement online for this mortgage and do not see that Mr. Cooper received a payment from me 30 days delinquent in XX/XX/2019. I have 3 mortgages that were transferred to Mr. Cooper and all were paid on the same day and are not 30 days late nor were they paid late to deserve a late fee. My mortgages were paid on time. Yet, Mr. Cooper has put a delinquent note on my credit report, that has adversely affected me and my FICO score.

I want the delinquent note removed ASAP from my credit report. My mortgage was not 30 days late in the month of XX/XX/2019. Thank you.
Product: Mortgage

I've changed my homeowners insurance. From XXXX to XXXX. Old policy expires XX/XX/XXXX, new one set to start same date. I used their online message system to communicate this info to the mortgage company - Newrez.com, since they need to pay to premium from my escrow. No response. Sent email to the address they provided - XXXX - on XX/XX/XXXX ; it bounced back saying " Mail from domain not allowed : newrez.com ''. They dont have another email address published to try. Has the company gone out of business? How can I contact them> They dont respond.
Product: Debt collection

LVNV purchased my debt from credit XXXX, i set up a payment plan and on numerous occasions they wouldn't withdraw money from the account i gave them. This is frustrating because i got a letter from resurgent, not LNVN funding.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account open in XXXX reporting as open in XXXX was included in a bankruptcy fouled in XX/XX/XXXX and is reporting as delinquent with a past due balance of {$450.00} and I would like the account to be removes
Product: Checking or savings account

I am the personal representative for my deceased XXXX Bank of America account, there were numerous checks written out of her account with forged signatures while she was in the end stages of life as well as as an agent assisted transfer of a CD in the Amount of XX/XX/XXXX {$51000.00} which I am POD on XX/XX/XXXX went into hospital XX/XX/XXXX Deceased Date Check # Amount Name XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$45000.00} XX/XX/XXXX CD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the XXXX XXXX XXXX have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.
Product: Vehicle loan or lease

Credit Acceptance has ruined my life with their inflated purchase prices making it hard to make payments because of their hidden fees and not reflecting how much I am really paying for the CAC loan in the beginning. Ive asked several times to be taking off of this loan due to the inaccuracies of the loan and shadiness of the company. CAC makes very expensive used-car loans to low-income buyers with limited credit options and take advantage of them. I am a victim of this. Misrepresenting the cash price of this vehicle. They couldn't provide me any documentation that a contract was even signed. If I went into a dealership and signed for this loan why wasn't there a hand written signature. I had vehicles from XXXX and everything was in written, I think the dealerships and CAC is in on corrupting the system. There is a lawsuit against them now, the lawsuit explains how this Company takes advantage and the interest rate of 22.9 % that is ridiculous! I will keep fighting to remove my name from this account due to the misleading information I received.
Product: Debt collection

Today a fellow Co-work contacted me stating that a XXXX XXXX from Cavalry Portfolio Services was requesting to speak to me. They are contacting me at my place of employment and I know this is not permitted.
Product: Credit reporting or other personal consumer reports

There must be a mistake in how or what Wells Fargo reported to the credit bureaus as a result of their investigation. 

This XXXX account that I disputed was paid off ( {$54.00} ) as of XX/XX/XXXX. Prior to my filing of the dispute with CFPB, this account showed CLS ( Closed ) as of XX/XX/XXXX in the credit report. 

After my call on XX/XX/XXXX with a Wells Fargo employee and her email regarding the same, this XXXX account now shows as CO ( Charge Off ) in the credit report. I understand that Wells Fargo has nothing to do with how the credit bureaus do their jobs as their email clearly states. But the timing of the Wells Fargo investigation results on XX/XX/XXXX and the updates on my credit report as of today ( XX/XX/XXXX ) shows that the Wells Fargo report informed the change from CLS to CO. This is erroneous and unfair to me as a consumer. By definition, CO is unpaid debt but CO continues to show in my report ( again, after this Wells Fargo investigation ) even if I already paid off this account ( {$54.00} )!
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. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX  : ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 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: Debt collection

I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
Product: Debt collection

Compass Recovery Group , LLC in partnership with XXXX XXXX keep moving my XXXX XXXX ' date on my credit report. This has been done without any prior communications between myself and the 2 parties involved. I've processed several disputes regarding this false information on my credit report, with no resolution to the problem.
Product: Mortgage

The home was scheduled for foreclosure. I appealed the foreclosure. The foreclosure was set aside.There were two loans on the property totaling {$470000.00}. I did a loan modification. It was my understanding that both loans were consolidated in the modification. I have been making the payments as agreed for 16 years and am current in the payments. 

The public records still show the property as " foreclosed and bank owned XXXX ''. 

I recently listed the home for sale and the title search revealed that there was a second trust on the property. PHH, added XXXX XXXX 's name on the title. I have no knowledge about this second trust and need to get XXXX XXXX removed from the title so I can sell the home..
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2020, I completely paid off Bank of America credit card account through an online payment, called in confirmed with agent of bank of america that entire balance was paid off. Bank of America then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by Bank of America, I called and verified online that the entire bill was paid, Bank of America closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as bank of america confirmed account was paid. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have a mortgage account XXXX and a linked checking account XXXX with key bank. In the statement of checking account, it says we get monthly fee waive with mortgage account. But I got charge for monthly fee XXXX on XX/XX/2022. They refused to refund me and says I didn't set ACH correctly without telling me ahead of time at all. In addition, in the online portal no way to pay from other account besides transfer.