23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since we moved into our home almost 4 years ago, our mortgage company has sold our account to another company at least three times. Every time they transferred our account a letter was sent to our home letting us know that we would have 60 days to make a payment, which would give us 30 days free of payment. This process worked fine the first two times, so when the 3rd transfer came, and we did the same thing again, this company decided that we were behind on our mortgage, and started charging us late fees, even though we started paying as normal after the 60 days were over, and this tarnished our credit. We had no idea this was even happening until we pulled our credit scores about 5-6 months later. The company never made any attempt to let us know that they considered us behind, and when we reached out to them, they said that their personal policy trumped the law in place that stated we would receive this grace period. In order to remedy this, they required we pay a double mortgage that month. Again, no attempt was ever made by Shellpoint to let us know they considered us behind. This company also raised our interest rate 2 %, and the VA loan rules state that no company can increase our interest rates by more  than 1 % per year, and this company has exceeded that amount.
Product: Credit reporting or other personal consumer reports

sent a letter to equifax disputing late payments on account that has been paid on time. they have ignored this request and havent processed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX TX XXXX, TX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$340.00} Terms NA Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$340.00} Terms NA Payment History Account Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$33000.00} Highest Balance {$0.00} Terms XXXX Months FCRA violations see attachment for proof of why my inaccurate accounts
Product: Vehicle loan or lease

Loan with Santander Consumer USA contract signed on XX/XX/XXXX with 60 monthly payments. 1st payment due in XX/XX/XXXX. The co-signor ( ex-boyfriend ) and myself parted ways in XXXX. I was not aware he failed to make the XX/XX/XXXX payment. I contacted the bank a few months after advising them that the co-signor and I are no longer together and I was stuck paying for the entire household bills and two car payments and I needed to see what they can assist me with. The extended the loan for XX/XX/XXXX and changed my payment arrangement from {$350.00} per month to the principal of {$210.00} for 6 months. The original payment will be come due XX/XX/XXXX. I have contacted them on numerous occasions telling them their accounting and the payments to the account are not being credited correctly. I said 1 day I owe {$2200.00} I make a payment and it comes down to {$1500.00}. I recently just went on my account XX/XX/XXXX @ XXXX in showed that I owed a balance {$1500.00}. I made a payment of {$350.00} logically and in basically math from their system should have said balance {$1100.00} but as of today it shows {$950.00}. I have made all payments according to arrangements.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the below account has violated my federally protected rights to consumer privacy and confidentiality under 15 USC 1681 : XXXX  XXXX 15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been tryong to correct my XXXX XXXX from erroneous information and yet the Credit Bureaus have been negligent of their XXXX responsibility. The letter I sent to the Credit Bureaus last XX/XX/XXXX was to follow up any response from the Credit Bureaus after the 30 days of investigation. As I revived my Credit file, I have noticed that the Accounts previously disputed are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been updated or deleted. Here is the list of accounts and information that should be corrected or removed from my Credit File within the time allowed by law : XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed ; {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per, 15USC1681i ( a ) ( 6 ) ( B ) ( iii ), that if the consumer requests a description of the procedure that was used to determine the accuracy and completeness the CRA was supposed to send the consumer that specific information within 5 days, neither Equifax or XXXX did that. 

I dispute this account, XXXX # XXXX on XX/XX/year>. I asked them to verify/validate the account per 15USC1692g, that never happened. All I was sent was a credit card bill. I then requested a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Equifax and XXXX interview regarding this account? How did Equifax and XXXX come to this determination? I have yet to receive any response from Equifax and XXXX regarding this matter.
Product: Credit card

My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX XXXX XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I do not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in four days. 
These fraudulent accounts are not only damaging my credit but also causing me a significant amount of stress. I have no connection to these accounts and urgently request the immediate remocal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXXXXXX XXXX Account Number : XXXX Reason : Identity Theft
Product: Credit card or prepaid card

XX/XX/XXXX XXXX paid {$4700.00} to my Wells Fargo account that made a credit balance of {$390.00} In XXXX I called and requested the credit balance be refunded to my account, not to the last account that made the payment. I was very specific. 
When I had not received the payment I checked online and saw I now had a balance of {$390.00} I called and was advised that Wells Fargo sent XXXX payments of {$390.00} to XXXX I contacted XXXX XXXX who monitored the account for several weeks and advised they did not see any payment from Wells Fargo XXXX 
I contacted Wells Fargo again, who advised they would sent a check to me for the {$390.00} which they did. 
After several weeks I checked my balance, not only was there still a balance of {$390.00}, there was a late payment charge. 
I called and was advised they could see that the checks they sent were rejected and that this should be cleared up. 
Last week I received a letter in the mail advising I was behind in my payments. 
I filed a complaint through Wells Fargo. 
Last night I was advised I needed to make the payments. 
I was also advised Wells Fargo is not able to trace or cancel the checks they sent to XXXXXXXX XXXX and I needed a letter from XXXXXXXX XXXX stating they did not receive the funds. 
XXXX XXXX XXXX XXXX has now advised they need copies of the checks they did not receive. 
My credit is now in peril as Wells Fargo is showing I am over 2 payments behind on a bill I do not owe. 
I do not understand how 1 person from Wells Fargo can see the checks were rejected, the person handling my complaint can not. 
The person who is handling the complaint advised she listened to all of the recorded calls, she would have heard me being told the checks were rejected. 
This needs to be cleared up, and the account closed. 
This was Wells Fargo 's error, yet my credit is in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and notice i had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Nc. XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX  XXXX XXXX, Tx. XXXX Subject : Notice of Dispute for Charge-Offs Dear Experian, I am writing to formally dispute three charge-offs listed on my credit report that have been verified through both a provisional investigation and a reinvestigation. Despite these processes, the items in question remain marked as verified, which I believe is inaccurate and unjust. 
The charge-offs I am disputing are as follows : XXXX  # XXXX Last reported are inaccurate see exhibit ( A ) Delete this account for inaccurate reporting. 
XXXX XXXX # XXXX Date last active is inaccurate see exhibit ( B ) Delete this account for inaccurate reporting. 
XXXX  XXXX # XXXX Date last active is inaccurate see exhibit ( C ) Delete this account for inaccurate reporting. 
I assert that Experian has not fulfilled its obligation to conduct a fair and accurate investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). The repeated verification of these accounts without adequate consideration of the supporting evidence I provided is unacceptable. 
It is my understanding that as a credit reporting agency, Experian is required to ensure the accuracy of the information it reports. The failure to take appropriate action on my dispute demonstrates a lack of diligence in your responsibilities. 
I kindly request that you delete the above referenced accounts, immediately. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent the address fraud on there platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXXXXXX {$6900.00}
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$6400.00} XXXX - XXXX {$790.00} XXXX  - XXXX {$12000.00} XXXX - XXXX {$510.00} XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I am attaching the following bank accounts for your review my iinformation was exposed in a XXXX  XXXX data breach in 2019 and I today when I verified my credit report I have this accounts.I have these credit accounts that I did not acquire. This greatly affects my credit report and I need your help to have this removed from my credit reports. 

XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account XXXX XXXX XXXX. 
XXXX XXXX  Account number XXXX XXXX
Product: Debt collection

Received a collection letter addressed to me at my address for a person that has a similar name. This person 's date of birth, ss # and middle initial are different than mine.
Product: Debt collection

The medical bills were paid off. This company tried to state I still owed funds. I showed proof it was paid off and it was XXXX off my report. Now they are coming up with another amount that is owed. You can check in the passed few months of what occurred to show proof that it has been paid. When I spoke to the company they were very rude about the situation and was unprofessional about resolving the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mines. These items need to be deleted from my credit report.
Product: Mortgage

JG Wentworth erroneously held my mortgage loan and while I made XXXX monthly payments to them, the correct mortgage company did not receive my payments. After calling multiple times over a month 's period I was finally able to resolve the dispute only to find out JG Wentworth would not reimburse me the late fees and charges I incurred due to their negligence.
Product: Credit card or prepaid card

CapitalOne closed my account due to inactivity. They sent me a notice on XXXX XXXX, 2020 of the closure with no previous warning whatsoever. I called CapitalOne on XXXX XXXX, 2020, within 30 days of the account closure notice and they told me that I can not reopen the card for any reason. Typically, other major credit card companies give you a grace period of 30 days to re-open an account if it is the " credit card company '' that closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Three occasion I submitted My Official Identity Theft and Fraud Report that was filed with the FTC, as well as to the 3 other Credit Bureaus. I also mailed along with a notarized copy of my Identity and Victim statement of the XXXX. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/XXXX, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/XXXX. And finally mail the report a third time via Certified Mail # XXXX, received by Trans Union on XX/XX/XXXX. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my victim of identity Theft.. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX  that is clearly supported by all the documents I've previously submitted. Furthermore the account in question was open under another name thats clearly not my name, but the negative account is attached to my Credit file by Transunion doing and they refuse to delete or remove this fraudulent account off of my Credit file. 
The furnishing company has provided me not validated info on the account and say that account is not in their possession and are not doing any reporting. But Transunion still insist on willfully and negligently publishing this fraudulent, false and inaccurate information willfully causing me financial injury
Product: Checking or savings account

I have had issues with XXXX wire transfers XXXX and XXXX. Money was not available when being transfers
Product: Credit card

On XX/XX/XXXX a duplicate credit card charge for the amount of {$1100.00} was made to my XXXX XXXX XXXX  account ending XXXX by FNBO ( First National Bank of Omaha ) credit card company for my card ending in XXXX. I have called them the same day, they admitted an error on their behalf and I was promised that within XXXX days my business bank account will be refunded. 
On XX/XX/XXXX I called again to follow-up and was told that it will take an additional XXXX business days to get refunded for the duplicate charge. This is causing financial strain on my business cash flow.
Product: Credit reporting or other personal consumer reports

XXXX has not responded or updated any reports or credit scores even after the removal of several derogatory items were removed the last report that shows online and on paper still reflects all old information that has been removed it has not been updated as it should since XXXX of XXXX my score should be in the XXXX close to XXXX since the removal of the negative items 3 bankruptcies XXXX XXXX XXXX XXXX XXXX and 17 inquiries ( hard ) to be exact were removed and no further updates to my credit score or report has been made! 

Trans union has refused to provide me with my credit score and I have requested that now for over 2 years the last report that I can see was not updated since XXXX and my score has said XXXX for 2 years even after the hard inquiries have been removed as well as the bankruptcies this is a violation of my consumer rights and I am demanding a new updated credit report and updated score not only be visible to me online but sent to my address on file. 

XXXX has not sent me an updated credit report and score ever and I have requested this several months now I have had three bankruptcies deleted several hard inquiries removed XXXX XXXX deleted XXXX XXXX  deleted I have no negative items on my report anymore yet my reports are not being updated online or hard copy to reflect an update to my scores or credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian about the company Preffered Lease friday XX/XX/2023 to inquire about a account reported on my credit report that was considered to be under an auto claim for {$2800.00}. I reached out to XXXX and pretty much got nowhere and they could not really help me.
Product: Credit card or prepaid card

Fraudulent charges were made via my bank account as payments. The entire history of this card I have paid it in full and on time. They closed my account without any communication and refuse to remove fraudulent charges from the account.
Product: Debt collection

They are repeatedly calling my job, over and over again. I have asked them to stop and so has my employer. They told me even if i no longer work there it does not matter they will continue to call my job and that I have no recourse.