23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX my husband and I went into a mobile home park to apply for a mobile home that we viewed and liked. We put in an application. We were told it would take 24 to 48 hours before we either got approved or denied. Triad Financial pulled our credit on XX/XX/XXXX1. I called Triad on XX/XX/XXXX to find out the status since we had not heard anything. The rude lady who answered the phone said that nothing had been worked. There were not any notes on the account and that it could be up to 92 hours from the time they started working on it. I advised her that our credit was pulled a few days before. She said there was nothing she could do. As of the date of this complaint, we have not heard a word. We have not gotten anything in writing by mail or by email. Nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact equifax, XXXX and XXXX  to resolve the issue. 

The reportings are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ), has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.
Product: Mortgage

You see we have gone from a house payment of {$1400.00} to {$4000.00} -- - with no clear or foreseeable end -- - This is only a estimate -- - offer will be given after I pay {$12000.00} ... History show I am not XXXX Stupid or CRAZY so this will not be entertained I had completed Shellpoints twice before TPP before and paid them -- -- -- then they give a new amount ( THE WHOLE DOLLARS ACCORDING TO SHELLPOINT at 11 % INTEREST ) on a new 40 year mortgage at {$4000.00} with a WHOPPER BALLOON when I am XXXX XXXX XXXX AGAIN I AM NOT XXXX STUPID OR CRAZY -- -- -- -- -- -- NEW TRIAL PAYMENT OFFER -- -- -- -- -- -- -- -- MY GROSS INCOME ALL THE MONEY IS AT {$8500.00} for three of the HIGHEST MONTHS OF INCOME XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- {$8500.00} -- -- - Then my Deduction on EXCURSIONS the CAR BUSINESS of {$850.00} per month- and the Deduction of the MORTGAGE ON MY COMMERCIAL RENTAL FOUR PLEX of {$2600.00}. That would CLEARLY LEAVE the INCOME for XXXX XXXX XXXX at {$5000.00} - with a new proposed mortgage payment of {$4000.00} WHO IN THE WORLD BEING A CREDITED FINANCIAL INSTITUTION OFFER A MORTGAGE TO A CLIENT at AT 20 % TWENTY PERCENT INCOME TO MORTGAGE PAYMENT THE LOWEST ALLOWED FEDERALLY IS 35 % - SURE THIS IS NOT A FEDERAL NOTE ITS A IN HOUSE FIANCE PROGRAM -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$110000.00}
Product: Mortgage

I was on an 18 month loan forbearance due to COVID - when it ended I was sent two letters. The first stated at the bottom that I would need to start my regular mortgage payments on XX/XX/XXXX. ( On the second page of this first letter half way down it also mentioned another contractural payment due XX/XX/XXXX. ). 
The second letter that required a signature ( I signed and mailed back by XX/XX/XXXX as requested ) did not mention this XXXX contractural payment at all. This is what I signed and agreed to. I was also told to call and make XXXX payment not to process it on line. I called. XX/XX/XXXX and made the XXXX payment. During that call no one asked about the money which I did not realize I needed to pay on XX/XX/XXXX. I also asked to get back on auto pay, they told me I had to wait to do that. I called back the end of XXXX to make my XXXX payment and was told I had been kicked off the deferral agreement that added my 18 months to the end of my loan agreement and could not make a payment. My only options were to pay the deferred amount or go on a flex modification program that changed my 15 year conventional mortgage into a 40 year balloon mortgage. 
I have had many call and conversations with US Banks Loss Mitigation department and they refuse to correct the mistake. I explained that I was going through medical issues in XXXX ( I had a XXXX leak that was XXXX XXXX XXXX  ) when the deferral agreement was sent out. I apologized if I did not realize I owed money in XXXX and offered to pay that and the XXXX mortgage payment. They told me I could not make XXXX payment. I have put in two complaints asking for my phone conversation records which they have denied. I have also asked to speak directly with someone from that department instead of relationship managers and their supervisors. Ive called weekly to correct this issue and jump through hoops to get a supervisor on the phone. I admit there was an error, but it was caused because of my injury and not clearly understanding. I do not understand why two letters were sent with different information and only one required to sign and return. Also, when talking about money owed it should always be discussed by what is owed first. Why are they focused on what is owed in XXXX, if I also owe money in XXXX? It just seems like a way to confuse people and take advantage of them after they already had issues due to COVID.
Product: Credit card or prepaid card

I had a wells fargo home improvement credit card. The card gave no interest payments till XXXX of XXXX, my understanding was as far as i paid the balance by XX/XX/XXXX the interest payment would be waived. I make all my payments wells fargo mortgage and credit cards, also this home improvement payment on their website. The website page NEVER indicated that {$4000.00} would be charged to me on XX/XX/XXXX. This was in the FINEPRINT but not on the website page where i make my payments each month. To my surprise my balance had gone up by {$4000.00} on XX/XX/XXXX. I called wells fargo customer service and stated to them why they did not warn me about the increase on the WEBSITE WHERE I MAKE MY PAYMENTS. This needs to be fixed. Consumers need a warning on their wells fargo website before they add a huge bulk on interest payments. 
I have called wells fargo after i saw the increase and they did not help me. I never got a call back from anyone, but my balance is still the same. I called again today XX/XX/XXXX and they said the interest can not be taken off since it was on the statements. 

Please make sure that wells fargo adds a warning on their web page a warning before they dump in interest payments specially on an advertised promotion. Please remove my {$4000.00} interest payment and i will send the full amount i owe them as of XXXX XXXX you can reach me at XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

As reported in the attached FTC complaint the below accounts don't belong to me. 

Reporting inaccurate information across credit reporting companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reporting Via Transunion )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Transunion regarding the balance on one of my credit cards. They had reported the balance to be $ XXXX for multiple months, although the balance was only {$970.00}. On XX/XX/XXXX, the statement for my card came out, and my balance was {$970.00}, Transunion still had my balance at {$6500.00}. I disputed the AMOUNT of the balance, not ownership of the account, and the account was completely was removed from my credit report as a result of this dispute. I called Transunion, in order to rectify this. They said the creditor is the one who removed it. I then called the creditor, they said they did not, and can not legally remove anything from my credit report that I am responsible for. I called Transunion back, they said again, it was the creditor who removed it. So I called the creditor back, they said they had no knowledge of a dispute, and did NOT remove this account from my credit report, and again explained that they are legally responsible for reporting anything and everything on my credit report. Again, my dispute was over the balance not ownership. My Transunion credit score dropped 50+ points as a result of removal, my XXXX credit score increased by XXXX points as a result of this removal. I believe that Transunion did not contact the Creditor, as I previously said- they have no knowledge of this dispute, and nothing in their system saying that it should have been removed.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 INQUIRIES : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Bank of America credit card was on autopay for minimum payment due. I paid off the balance on XX/XX/XXXX - The payment was due XX/XX/XXXX. Yesterday they took a payment of {$220.00} when the balance was XXXX. The payment is showing in my checking account as pending today and will show as posted with today 's date. I called today, spoke with XXXX different people. They will not reverse the payment until it has posted. 
HOWEVER, I have to call back to make that happen. They will not do it without a callback, though they are at fault. I have already spent XXXX on the phone with them today, losing billable hours. 
This generates interest income for the bank for every day someone does not call them after this happens. And this SHOULD NOT be happening in the first place. 
This practice violates consumer protection laws because it serves no purpose other than generating revenue for the bank.
Product: Credit reporting or other personal consumer reports

Reference : XXXXXXXX XXXX XXXXXXXX acct # XXXX ; CFPB XXXX ; NC DOJ XXXX XXXX XXXX, POC NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX POC XXXX XXXX XXXXXXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified XXXX, Equifax, XXXX, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX  XXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXX pm est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX  XXXX XXXX, XXXX, Equifax, and XXXX were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay thousands of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had XXXX, Equifax, and XXXX completed a VALID re-investigation, this would not have affected me as greatly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurately Reported Charged Off Account Dear Dispute Department, I am writing to request the removal of a charged-off account listed on my credit report by XXXX XXXX XXXX XXXX due to inaccuracies in its reporting. The account, with the number ending in XXXX, is detailed as follows : High Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Account Rating : Derogatory Account Description : Individual Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the XXXX XXXX 
Last Payment : XX/XX/XXXX Past Due Amount : {$7400.00} Account Type : Charge account Credit Limit : {$7400.00} This dispute is raised under the provisions of Title I of the Consumer Credit Protection Act, specifically 15 U.S. Code 1601, which mandates accurate and fair credit reporting. The derogatory nature and reporting errors of this account severely impact my credit score and do not reflect an accurate history of my financial behaviors. 

Given the serious discrepancies and the potential violation of the Truth in Lending Act, I request an immediate investigation into this account. Please remove this inaccurately reported account from my credit report within the statutory timeframe of 30 days as required by the Fair Credit Reporting Act. 

If the investigation finds that this information is indeed inaccurate, or if there is insufficient evidence to back the claims made in this report, I insist on the full removal of this entry from my record. If deemed frivolous, please provide the necessary documentation and reasoning behind this conclusion. 

Enclosed are copies of documents supporting my position. I look forward to your prompt action and a detailed response to this urgent matter. 

Thank you for your attention to this important issue. 

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

I requested the following from the companies listed in error on my credit report : A copy of the original credit card or loan agreement with my signature. 
Complete account statements detailing the debt amount, including charges, payments, and interest. 
Documentation showing the collector 's legal right to collect on this debt. 
Records demonstrating the chain of ownership, including all transfers of this debt if it has been sold. 
A detailed accounting of the total amount owed, including fees, charges, and interest. 
They were unable to provide the information to me, I then disputed this information on my credit report and stated they would not provide this information but it was then " verified '' as accurate. This is unfair and unjust. I was fair and waited over 60 days to file this complaint.
Product: Debt collection

A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was approved easily for a small {$500.00} loan as part of the MONEY LION PLUS PROGRAM and paying XXXX a month - I have no problem with that as I'm working to build my credit score while on a humble XXXX income I had to turn to 5 years ago as my condion worsend.. 
Hower part of the money Lion plus program was they also deduct from my account ANOTHER {$79.00} -broken down into XXXX as a monthly membership fee and a XXXX into a " investment ' '' account - The loan I can handle ... 
My complaint is the other XXXX that is almost double my loan payment -- it's tightened up my budget beyond being doable in life needs - since the other XXXX is really my money voluntary put in a investment - I called them, and asked to close my membership, send me The XXXX ( built up in " investment '' ) that's mine, OR put it towards loan payment - seems fair and morally even I pay what's lended to me They said no way ... it will ALL continue till loan payed.. 
I payed down to XXXX and WILL pay THAT- they refuse to stop deducting the other XXXX monthly out of my account that's Not part of loan repayment - I told them I'd call the bank and stop the ( ACH ) deduction that was the member / investment part - They replied - " they'd give me a negative mark on my credit score EVEN if I kept paying loan BUT didn't pay other deductions that are MY money, not loan ... 
An extra XXXX might not seem like alot to some, but when your paying up past LEGIT bills to improve credit score, while living on tight budget, it all helps - but even with my personal life not included, there unwillingness to allow me to close account while still paying loan is my complaint to this organization. 
Thanks for reading and any help that can be offered.
Product: Debt collection

I closed my account with XXXX in XX/XX/2020 However, they Did not follow my instructions and continued late fees and interest. 
Currently they havea fraudulent amount in collections.
Product: Debt collection

The consumer received a letter from a law firm disclosing as a debt collector trying to collect a debt. I have no known transaction or contract made with this company.
Product: Credit reporting

I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Trans Union left it on my file.
Product: Credit card

On XX/XX/24 at XXXX, I spoke with XXXX and XXXX about closing the account. I was informed that I needed to pay the remaining balance of {$580.00} plus a {$5.00} fee. During the call, I paid this and was given transaction # XXXX. I was then informed that the account had been closed and that I would receive confirmation via email. The email has yet to be received as of XX/XX/24. On the same day as the call, I sent a certified letter requesting that my account be closed, along with a copy of the credit card cut in half. On XX/XX/24, the return receipt indicating that the letter had been received was signed. Since receiving the return receipt, I've received correspondence indicating the account is still open. I paid off this credit card as required, followed the requirements to close the account by phone call or written ( I did both ) and this account has yet to be closed. Even though I've always paid before the due date, there's always been some hiccup from this company resulting in an increased interest rate, falsely assigned late fees, locking access to use the card. Resulting in me closing the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 

I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.