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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am a victim of XXXX data breach 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$200.00} on my Bank of America credit card account ending in XXXX. The minimum payment due was {$160.00}. On XX/XX/XXXX, I made a payment of {$160.00}. the minimum payment due was {$150.00}. 

I have XXXX different types of balances : purchases at 14.9 % and cash advances at 24.99 %. According to Bank of America " Important Information About this Account '' on " How We Allocate Your Payments '', " payments are allocated to posted balanced. If you account has balances with different APRs, we will allocate the amount of your payment equal to the XXXX XXXX XXXX XXXX to the lowest XXXX balances first ( including transactions made after this statement ). Payment amounts in excess of your XXXX XXXX XXXX XXXX will be applied to balances with higher APRs before balances with lowers APRs. '' The XXXX ( ending XX/XX/XXXX ) and XXXX ( ending XX/XX/XXXX ) XXXX statements shows that Bank of America incorrectly applied the overpayment to the highest interest category. In fact, on the XX/XX/XXXX, the balance on the cash advance increased {$4.00} instead of decreasing by the amount of the overpayment, {$36.00} ). In fact, the balances between the interest calculation section and the Account Summary do not match.

There were no purchases and/or no fees between the payments. Bank of America has grossly misapplied overpayments on the account. 

Statements will not be attached as Bank of America will have copies of these statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because I have sent out 3 certified letters to XXXX and TransUnion on an account that is incomplete and inaccurate information on my consumer report. Each time its coming back VERIFIED and ACCURATE. However, I have studied and educated myself in consumer protection rights- Under FCRA it states whatever is reported to my credit report must be accurate and correct. In this case, it is not and I demand to delete this entire account immediately or I will file lawsuit because this FCRA violation. 

XXXX XXXX XXXX ACCT XXXX I have upload a image to show the inaccuracies on my consumer report. there's no way you can be on-time 30 days late In may 2022, 60 days late in XXXX, on time in XXXX, 90 days late in XXXX and then XXXX XXXX showing Collections. 

I DEMAND THIS ENTIRE ACCOUNT DELETE FROM XXXX XXXX REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried reaching credit bureau to correct incorrect reporting of erroneous addresses on my credit profile but they are still reporting incorrect information. My information was leaked as part of a security breech.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, and XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Debt collection

I have been harrassed by Convergent by phone calls from multiple numbers after telling them I have not been employed for almost 4 months and haven't been approved for unemployment benefits since the XXXX of XXXX and that I would contact them when I would be able to set up any type of payment arrangements. They will not leave a voicemail stating the company 's name and to in which why they were calling. I have blocked many numbers due to the many multiple calls from varying numbers. I am not satisfied with the manner in which they conduct their business. This is blatent harassment!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do XXXX XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  XXXX reporting information about this Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After putting a freeze on my credit through Experian about two or three weeks ago, I have received several emails from Experian saying a 'change to your credit file detected ' and 'the credit balance one one of your accounts decreased ' and 'please open immediately to review a change we've detected in your credit '. In each of these emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX - I did not find these until XX/XX/XXXX because they somehow went into the JUNK file which I do not go into often. ) One report said thanks for checking your report, it raised your fico score. All emails said 'See all reports ' and had a button to do so, but it put me on a blank web page. 

I have tried to contact them by phone but they will not talk anyone. 

How and where did they get permission to gather every ones information and then have the gall to not let you talk to them? I certainly did not give them permission. I saw a lot of other people on the internet asking how to talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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.it also states a consumer reporting agency can not furnish an account without my written instructions Im accordance with the Fair Credit Reporting Act XXXX XXXX account #  XXXX 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.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX XXXX XXXX # XXXX  ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Product: Mortgage

1. I pay 12.5 % interest rate, {$1300.00} going to interest and only {$77.00} to Principal by SPS inc. or Select Portfolio Servicing inc. TOO MUCH!!! TOO MUCH!!! 
2. Not able to refinance from out of ADJUSTABLE RATE mortgage through SPS inc. or ever for over 15 years of trying and mostly paying on time shows greed and abuse in industry over all in USA!! 
3. Minority abuse by SPS inc. should also be examined!! 
4. PURE GREED by SPS against us public servants and our kids, consumers period!! 
5. the payments made so far to SPS were not reported to credit bureau !! 
I am a laid off minority  person here in Texas and adjusting to making much less money. My wife is a public school XXXX. We continuously tried to refinance but were always denied. Even when i was working steady and paid ontime for 2 years straight ( XXXX ) we could still not get a refinance. The XXXX XX/XX/2018 payment is XXXX XXXX/mth and we have been turned down from Modification twice so far by SPS  and are currently under a 3rd review. Please help us to keep our home. Ideally, We want a refinance asap or a modification that is reported to the credit bureau.
Product: Mortgage

In the summer of 2022 I was contacted by US bank and informed that they wanted to refinance my home loan. I worked with them for many months getting them all the documents that they requested all the time the company kept assuring me that the terms were still good. The underwriting was taking forever and I kept checking in with them and they told me because of a merger with another bank. I finely received notice that I was being denied due to insufficient collateral even though I have 80 % of the loan amount in a bank account. I feel the reason the loan was denied was because the agreed upon terms were not as lucrative for the company as the federal rates increased. 
I feel they should honor the agreed upon terms and the loan officers garentee that the loan terms were still good.
Product: Credit card or prepaid card

Someone stolen my identity and used my name for years getting fraudulent items in my name .I have and ex husband and bad divorce .My life was taken under my nose and stolen by someone using my name badily and when covid 19 hit and that bad disaster someone really used my name .Please removed all errors Every year they keep coming back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job at a car dealership. They wanted to me to get a background check, so I went in and applied for one. The background check company called me back and told me that a XXXX man in Idaho is using my social security number. When I tried to correct the situation and put my information in for a credit report. Its coming up that Im invalid.
Product: Debt collection

XX/XX/2023 Dept Recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX They state I owe XXXX and put it on my credit report that I do without any information sent to me of who I owe for what and if I did in fact owe. I have no idea who this could be as I do not have credit cards or owe anyone. Now it is making my credit go down that Ive worked hard to get to come up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Mohela is reporting the same account on my credit report twice so it's showing as two tradelines. This is making it appear that I have twice as much debt than I actually have. I contacted Mohela and spoke to XXXX who stated that it appears correct on their end and he only sees it being reported once. I asked what could be done to fix it and he said he wasn't very familiar with the process. I need this corrected because I am in the process of purchasing a home and this is negatively impacting me.
Product: Debt collection

There is a statement on my credit report that is not true. It states that a debt went into collection. That said debt hasnt been proved correct. And it still needs to go to court in order for it to be a valid statement. As of now, it is not yet proved and alleged therefore, Im asking this company that wasnt even the original creditor to remove it from my consumer report asap.
Product: Bank account or service

I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.
Product: Credit reporting or other personal consumer reports

Disputed on XXXX XXXX {$640.00}, no action was taken by company.
Product: Mortgage

I was a consumer with Wells Fargo regarding my mortgage from XXXX to XXXX ( when my loan was transferred. ) During my time with WF I had applied for home assistance, provided all required documents and was denied payment assistance.

In the beginning, when the loan was originated, WF loan officer assured me I qualified for a 30 year fixed; on the day of closing, XX/XX/XXXX, she called me hours before advising for some reason I only qualified for an interested only mortgage. I was upset as I was assured based on my credit score, and down payment I would get a 30 year fixed. 

As result of this type of loan I got behind and it was then I asked WF for payment assistance ; I was given the runaround, misinformation from different reps when I contacted customer service until the loan was transferred in XXXX of XXXX. As a minority homeowner, WF took advantage of me based on XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I checked into the XXXX XXXX for XXXX nights for the XXXX XXXX XXXX XXXX XXXX. I am a sponsor with XXXX XXXX XXXX in XXXX XXXX, Texas. Checking in with me were my co-sponsor ( XXXX XXXX XXXX, and XXXX students. We had reserved four rooms in total one for me ( XXXX XXXX ), one for XXXX XXXX, and two for the students ( identified on the receipts as XXXX and XXXX on the receipts ). According to XXXX XXXX XXXX policies, I gave my Barclay credit card ( ending in XXXX ) for the charges to my room, XXXX XXXX used her credit card for her room charges ( ending in XXXX ), and the two student rooms ( XXXX and XXXX ) were supposed to be charged to the XXXX XXXX XXXX credit card ( ending in XXXX ). Upon checkout, we were given receipts verifying the correct charges to the correct cards for all four rooms ( see attached ). 

Upon returning home, we discovered that all four rooms were charged twice, once on XX/XX/2023, and again when we checked in on XX/XX/2023. I called the hotel and spoke to the manager at length on XX/XX/2023. The manager insisted that my personal credit card had not been charged at all, but that these were temporary holds. I submitted documentation to XXXX XXXX showing that the charges to my card ( XXXX ) had gone through twice, but he told me on the phone that they had no record of that and that I should dispute the charges with my credit card, which I did immediately. You credited the charge back to me on XX/XX/2023, but have now incorrectly reversed that decision and allowed XXXX to charge my card a third time for {$1200.00}.