23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by Equifax that the dispute of the information from XXXX had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from XXXX had been added back into my account, and dated as being reported on XX/XX/XXXX.
Product: Mortgage

THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. THIS IS NOT A DUPLICATE. 

It a second issue. The first issue was resolved. Please do not kick this back again. 

Bank of America is not reporting my credit history correctly. The first issue was about the correct first payment date. This A SEPARATE ISSUE. It is about an incorrect payment history. 


THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.THIS IS NOT A DUPLICATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. INQUIRIES 1. XXXX XXXX via XXXX XXXX- XXXX 2. XXXX XXXX via XXXX XXXX- XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX- XXXX 5. XXXX XXXX- XXXX 6. TRANSUNION CONSUMER INTE- XXXX 7. TRANSUNION CONSUMER INTE-  XXXX 8. TRANSUNION CONSUMER INTE- XXXX 9. TRANSUNION CONSUMER INTEXXXX XXXX 10. TRANSUNION CONSUMER INTE-  XXXX 11. TRANSUNION CONSUMER INTE-  XXXX 12. TRANSUNION CONSUMER INTE-  XXXX 13. TRANSUNION CONSUMER INTE- XXXX 14. TRANSUNION CONSUMER INTE- XXXX 15. TRANSUNION CONSUMER INTE- XXXX XXXX. TRANSUNION CONSUMER INTE- XXXX 17. TRANSUNION CONSUMER INTE- XXXX 18. TRANSUNION CONSUMER INTE- XXXX 19. TRANSUNION CONSUMER INTE- XXXX 20. TRANSUNION CONSUMER INTE- XXXX 21. TRANSUNION CONSUMER INTE- XXXX 22. TRANSUNION CONSUMER INTE- XXXX ACCOUNTS 1. XXXX XXXX- XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX- XXXX 7. XXXX XXXX XXXX XXXX 8. DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a Natural Person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Submitted a fraud dispute. Company called and said they were denying my fraud dispute after the representative said " let me look at which fraud dispute we are talking about. '' First reason, XXXX disputes over the past two years. As if being a victim of fraud was my fault. 
Second reason, multiple disputes at the same merchant. Which merchant? 
Is it my concern if fraudsters go to the same establishment? 
Last " you admitted to setting up a pin number. '' Never did, and last, this is a huge disrespect and great lack of customer service. 

I have requested my account be closed.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached for full complaint. bank card not received by me nor activated for use. Amazon congratulated me on a card that I do not have while waiting for Chase Bank to deliver me a new card. Fraudulent purchases made on the said card and Chase Bank requires me to pay the card
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, TRANSUNION and XXXX. You must Cease XXXX efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion via telephone, and mail. Regarding missing information, accurately updating information, and promptly updating my report as soon as the creditors update Transunion. 

1. ) XXXX/XXXX A. ) Transunion has there last update for XXXX being XX/XX/XXXX. My 2-Year Payment history doesnt reflect that. 

B. ) Transunion has my Credit Utilization as 57 % that is inaccurate. 

C. ) Transunion has my balance as $ XXXX.That 's inaccurate its actually {$150.00}. 

D. ) My terms should be listed as revolving. 

2. ) XXXX XXXX XXXX XXXX A. ) I am an authorized user on my husbands card. Transunion has my credit utilization is 76 % that is inaccurate. 

B. ) Transunion has my balance as {$220.00}. That is inaccurate. 

3. ) XXXX XXXX A. ) Transunion has my last update as XX/XX/XXXX.I have paid on time for the months of XX/XX/XXXX,  and XX/XX/XXXX. My 2-Year Payment History also does n't reflect those on time payments. 

B. ) Transunion has my balance as {$1300.00}. Thats inaccurate it should be {$1200.00}.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00}
Product: Mortgage

To Whom It May Concern, I have attempted to qualify for a loan modification the past several weeks with Rushmore Loan Management, the company that services my existing mortgage. After a notice of default was filed in XXXX of this year, I was assured by a Rushmore representative that I was an excellent candidate for a loan modification based on the fact that the my property is a rental and I had verified rental income to make the mortgage payments. I initially fell behind on the payments last year, because the previous tenant had stopped making rental payments due to Coved 19. I was also told by the Rushmore representative to make sure that I supplied all the requested documents to Rushmore so that I could be considered and then qualify for the loan modification. And thats exactly what I have done so far. Rushmore has requested documents and letters from me on two separate occasions, around 15 pieces of information so far, and I have complied with their requests each time and have sent every document that they have requested. 

Thinking I was still being considered for a loan modification, I didnt worry about a notice of sale being filed against my house. But shockingly, Rushmore just filed an NOS. It was filed on XXXX and I just received written mail notification on XXXX. The sale date has been set for XXXX. 

I believe Rushmore has broken a number of laws, both federal and state, concerning the foreclosure process that is currently being carried out against me. And they must be held accountable for their actions. They have violated existing laws currently in place to protect homeowners such as myself, such as dual tracking, no single point of contact and no written communication notifying me that I was turned down for a loan modification, to name just a few of the laws Rushmore has broken in this process. And importantly, if I have been turned down for a loan modification, by law, Rushmore is supposed to allow me an opportunity to appeal the loan modification refusal decision and also present me with other viable options to work out some sort of agreement concerning my loan with them. 

I am asking the CFPB to take prompt action concerning this very important matter because Rushmore is attempting to sell my house in just three weeks from now. And again, they have violated numerous laws designed to protect homeowners such as myself during the foreclosure process. Thank you very much for your prompt consideration and action on this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, I received a letter from XXXX XXXX XXXX, XXXX on XX/XX/XXXX for my Care Credit account. It claims that I owe a debit collection agency {$3200.00} for my Care Credit card. 

Last year, I paid off this Care Credit card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX   statement. 

I contacted XXXX XXXX and told them of the mistake. I asked that one of the payments be put towards paying off the Care Credit balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX   statement. 

Now, the Care Credit card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX  customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue.

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score,  since the account has been paid off for a full calendar year.
Product: Mortgage

I went to XXXX for help with my mortgage because I fall behind with my payments, XXXX, tried to contact Nationstar mortgage for the past 3 weeks, to find the full amount of payment and got no responds .the representative from Nationstar would not return my phones nor the calls XXXX XXXX 
when I spoke with XXXX XXXX .said he has been missing calls from myself and from XXXX representative he also tell me that I would have to pay lawyers fee but told XXXX that persons from Pennsylvania do n't pay the attorney fees this is how Nationstar mortage conducts their business. 
after witing them a letter of hardship 6 months ago .finding that they have no intention of working with me. my counsel that they no allow anyone to pay back payments on a 60 month payment only 12 month payments. 
now I 'm at my wits end ..
Product: Credit reporting or other personal consumer reports

The credit bureaus have failed to follow the FCRA laws as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ), per the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). Because of their actions not taking place in the allotted amount of time, I am suffering. Please investigate these bureaus. They acknowledge receiving the complaints but fail to block the information without any reasonable cause. They had 5 business days to request any additional information and they have not complied. The date stamped on my previous CFPB complaint indicated they acknowledged receipt of my complaint on XX/XX/year>. Today is XX/XX/year> and they have not responded which is a violation.
Product: Debt collection

I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please help
Product: Vehicle loan or lease

My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.

Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.

At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). 
They have stated several times that I am a month behind, so I have made manual payments over the phone.
Product: Mortgage

To summarize : First Niagara raised my mortgage payment by almost 40 % due to an error in their automation.They may be able to give you more information on their process than I could but as I understand it, they analyze the next year 's taxes to figure out the escrow payment for the next year. 

In XXXX XXXX I received a letter from XXXX that said my payment would be going up to {$1000.00} from {$720.00}. Confused, I ended up reaching out to them for an explanation. I spoke to a very nice person who let me know that they have an automation that projects the next years taxes. The way this automation works is they take the amount of last years city 's taxes and base the payment off of that. The particular city I live in ( XXXX ) had a supplemental bill go out in XXXX. This bill was only {$130.00} ( the first bill was the normal tax bill ) so the analyzed escrow was based off of only {$130.00} when it should have been based off another amount. 

First Niagara claims I should have paid attention to my payment and that this was MY responsibility to catch and figure out. There is now a significant shortage with my escrow which caused my payment to go up. Until I called in, First Niagara offered no alternatives to alleviating the burden of this extra monthly cost. 

My wife and I have an escrow because of all the benefits it has for the consumer and servicer/lender. This was not our error. As of XXXX/XXXX/XXXX, I asked First Niagara for alternatives to my huge increase in payment. I have listed them below : 1. Reduce the shortage by paying a one time lump sum payment ( not odeal since we 're talking about {$2000.00} ) 2. Spread the shortage over a number of months ( 24-48 ) Can you please advise on this matter and let me know if there is any precedent for this? Again, XXXX 's automation caused this issue to happen and they never discovered the issue until I was short. Their response was to send a letter informing me my payment would increase over 30 %. 

Thank you for your time.
Product: Student loan

I signed up for XXXX when i first enroll to XXXX XXXX. one day i had a talk with the chairman of XXXX XXXX he stated that the school was going to be remove the XXXX XXXX classes. i switched from XXXX to XXXX me thinking my credits would transfer. graduated 2012 they stated they would help me find a job but never really tried to help me school closing affected me getting a job because most jobs require XXXX XXXX, non of my credits were transferable. before i enroll in XXXX XXXX they stated some credits would transfer. right now i have a hard time paying back and looking for a job where i can put my diploma in use the loans have affected my credit i cant apply for no more loans and go back to school even if i could i would have to start from the beginning due to my credits not transferring.
Product: Credit card

I received a digital letter from Synchrony Bank about my Lowe 's Credit Card account closure. Synchrony Bank shows that my credit score dropped below XXXX on XXXX and reason for this account closure. I immediately checked my XXXX credit report for my current and past scores. XXXX never shows my credit score dropping below XXXX at any point. I then contacted Synchrony Bank about the closure of my Lowe 's account. Synchrony Bank insisted that I contact XXXX about the inaccurate information reported. I explained to Synchrony Bank that I had just checked my XXXX report before contacting them. I explained that XXXX never reported my credit score dropping below XXXX ever. Synchrony Bank closed my Lowe 's account under false pretense. To further validate this to be false pretense, Synchrony Bank just approved me for {$3000.00} credit line with XXXX on XXXX. Synchrony Bank claims that on XXXX my XXXX score dropped below XXXX and the reason for closing my Lowe 's account. This is absolutely false and unfair information used to close my Lowe 's account. I asked that my account be reopened due to false information for account closure. Synchrony Bank said the account can't be reopened after it's been closed. I have never been late on any of my payments, nor have I missed any payments on this account since opening this credit line.
Product: Checking or savings account

On Saturday XX/XX/XXXX my wallet was placed at a secure place near front desk lockers of XXXX XXXX XXXX while I worked out, when I finished working out I noticed the wallet was missing. Someone had taken my wallet and this person used my XXXX XXXX XXXX XXXX ending in XXXX to make a few fraudulent transactions made at online websites : XXXX XXXX ( money transfer service ) XXXX XXXX XXXX ( money transfer service ) and two restaurants apparently online ordered and picked up. Will also ask these places for camera footage.

with a total of {$4700.00} I immediately called these merchants after finding out, and after a few days of investigation they concluded that i was indeed a victim of identity theft and fraud, the person using my debit card used a fake ID, the identification is not even from the USA, it is a fake foreign id with a different date of birth.

They apologized and strongly suggested me to ask my banking institution to initiate a fraud dispute, and once my bank initiated the charge back they would immediately confirm i was a victim of fraud and pay the money back.

This was an error from their security team. therefore the money will not be paid by chime, it will be paid by the merchants.

I filed a dispute as suggested by merchants, but after only 10 HOURS! chime decided to deny my claim and their excuse was no error found, no explanation given.

I called chime and a kind fraud specialist was confused as to why the claim was denied so fast, so she re opened my claim. i then submitted the police report, the fraud affidavit and also, emails sent from the merchants confirming i was victim of fraud.

After the claim was reopened, CHIME DENIED THE CLAIM, once more, no reason given no documents provided.

I called again and a fraud specialist was extemely confused after carefully reviewing my case she said she didnt understand why CHIME never initiated a charge back, thats all they had to do and CHIME never did.
Product: Debt collection

[ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX
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 XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account number 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.