23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV B XXXX, IL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been used without my authorization, resulting in the fraudulent accounts and inquiries listed below appearing on my credit report. I request that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$15000.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on thisUS DEPT OF ED/XXXX XXXX account for months. XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

On XX/XX/2021, Woman called my cell phone at XXXX XXXX asking for me. When I identified myself and asked the nature of the call, she said she was with Wakefield and began stating alleged account number. When told I had no business with the stated company and asked again the nature of the call, she began reciting the alleged account again. When I yelled what is the nature of this call, she hung up. This has happened repeatedly, with no one ever stating the nature of their call or providing any other information. On prior occasions, I have told them that their representatives repeated harrassment of a XXXX individual will not resolve with their obtaining any information from me that they are seeking for whatever perceived reason they think they have for bothering me.
Product: Mortgage

I've contacted Suntrust ( Truist ) in XXXX prior to my property tax being due. They assured me that they would be in contact with my city and they would use the escrow to pay the taxes. In XXXX, I found that the supplemental bill was not paid and now late fees exist. I contacted Suntrust ( Truist ) once again in XXXX after finding out that multiple tax invoices were not paid! A representative informed that Suntrust Mortgage will be in contact with my city and pay the taxes and that they would be responsible for the fees. The representative then proceeded to inform me to contact them again in late XXXX for an update. Fast forward to late XXXX and I contact them, yet I start having issues with getting ahold of anyone. The phone system fails and the wait time is 30 min. I begin emailing them and still no reply. Finally, once I get ahold of someone I am disconnected and they do not call me back. I contacted my city and my city is still expecting three outstanding equaling to be about {$4000.00} dollars. My city informs me that the only payments they have received is interest payments. So, I need confirmation that the interest payments are not being charged to me and that Suntust is paying them and are being held accountable. I need explanation as to why it is taking them so long to pay my city since interest is compounding. The Suntrust web portal has line items on my account mentioning the late fee payments which leads me to believe they are passing those late fees off to me and thus not motivated in paying my city anytime soon! My monthly mortgage payment increased because my escrow doubled. I have not been given an explanation on the mechanics behind the increase. I have not received an explanation as to why its taking them so long to pay my city. I need transparency and I need help having Suntrust held accountable. I am will to exhaust all efforts in making this right. I hope they are as motivated as I am!
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/year> What on XXXX XXXX  earth is going on? You just sent me an updated letter how I requested for NO further phone calls with XXXX XXXX Yet my phone call logs show that i talk to her EVERYDAY! You sent me an email attached to MY account XXXX which I've never had in my life and that has NEVER been used by me with this account! I had over a year of savings in this account and you're telling me that I'm negative and my money is gone! This account has ALWAYS BEEN HOOKED TO XXXX! I have emails from you guys in the past to show it! Someone has my identity and stole ALL my money and changed all my information! I called XXXX weeks ago to get My statements mailed to me at XXXX XXXX XXXX XXXX mi XXXX and nothing! I call everyday and talk with XXXX or someone pretending to be her! I DONT KNOW who you got the no further calls or any of this XXXX but it has DEFINITELY NOT BEEN ME! I cashed a check for XXXX on XX/XX/XXXX in Fl and the guy there at the bank on cameras told me I had a soft hold on my bank account by the government but because it was a soft hold I could cash the check! AGAIN ITS ON CAMERA AT THE BANK! I havent had access to that account in months but now you're telling me I'm negative and I haven't been talking to XXXX. But my phone long shows everyday, multiple times a day! This needs to be resolved Now! This is disgusting whoever or whatever is doing this! I can't sign into that XXXX @ XXXX to change my password to get online to see what's going on because I've never heard of it in my life! Where did all MY money go? This is absolutely insane and disgusting!! Someone is pretending to be me! I need my statement now and not to that fake email. It can be XXXX or the one I used to sign into the bank which is XXXX. XXXX XXXX just heard of because of you're email @ i would never request no further calls when apparently all my money is missing! There's obviously a hacker or someone portraying me! I need answers NOW XXXX XXXX XXXX MY OLD NUMBER WAS XXXX BUT BECAUSE OF THIS I CAN NO LONGER PAY MY PHONE BILL! SO THE OTHER NUMBER NEEDS TK BE CONTACTED! THIS IS AN EMERGENCY! APPARENTLY WHEN I CALL XXXX XXXX NOT ACTUALLY SPEAKING TO HER! 

My wife XXXX XXXX has full authority to speak on this matter also! On XX/XX/XXXX I told the guy at the bank IN FL to add my wife to the account and he said when the hold was off she would be added! I never received anything about it being negative and had no clue the account was closed. I have been told for months it had a government hold on it and I can't touch it! I was also told By XXXX that I had other accounts open is that true?? Or more lies? I don't have a wells Fargo near me anymore because I lost my house and everything because of this! I NEED ANSWERS NOW! REAL ANSWERS! I HAVE BEEN TALKING TO XXXX EVERY SINGLE DAY OR SOMEONE PRETENDING TO BE HER! 

THIS IS ABSOLUTELY INSANE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I read in the news on XXXX XXXX, 2017 that the credit reporting agency Equifax had an enormous amount of personal data stolen through a network hack. After checking the website Equifax provided I was informed I was most likely one of the individuals who had their data stolen. I have put a fraud alert on my account which causes massive problems being that we are about to apply for a home loan and have just recently purchased property. This breach will most definitely set up back several months at the least.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I discovered that on my Experian credit report, my XXXXt loan ( approximately $ XXXX ) was mistakenly shown via two separate Department of Education loans ( one with XXXX and one with XXXX ) and I submitted a dispute on their website. The other two credit reporting agencies do not ( mistakenly ) have the XXXX loan designated as open like Experian ; nor is the total student loan balance double the actual amount as it is on the Experian credit report. 

The XXXX loan was transferred to XXXX effective XX/XX/XXXX. XXXX sent me notification of the transfer of the loan to XXXX, confirmation that the XXXX loan has a XXXX balance ( due to the transfer ) which confirms that the XXXX loan is closed. Experian responded to my dispute by verifying the information I submitted was accurate, but Experian failed to correct the inaccurate information my credit report by closing the XXXX loan. Instead, Experian took some other action ( adjusting the initial balance of the XXXX loan ) which is irrelevant and unhelpful because the loan needs to be designated appropriately as closed/transferred. 

On or around XX/XX/XXXX, after a follow up call to Experian during which I explained these circumstances to no avail, I submitted the two documents from XXXX described above to substantiate my claim in a second dispute. On XX/XX/XXXX, Experian responded by informing me again that they verified that the information I provided was accurate. However, once again, Experian failed to correct the inaccurate information by designating the XXXX loan as closed/transferred which is apparent from the documents from XXXX as well as my loan payment history. 

Experian is ignoring the obvious, that the loan I had with XXXX is closed due to the transfer to XXXX. As a result, I am impacted by the impact of this inaccurate information, and Experian has not been helping despite my multiple attempts to update my credit report even though they acknowledge the information above is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to ( XXXX XXXX ) on SepteXX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies XXXX  and Experian have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX XXXX. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX bureau.
Product: Debt collection

Back In XX/XX/XXXX or XX/XX/XXXX of this year I sent a validation letter to the company advising this debt was not mine. I then sent them another letter on XX/XX/2018 which provided proof that the account they have on my credit file is not mine, they still did not respond. I filed a complaint on XX/XX/18 in which they finally responded saying they would remove from my collection file as well as they would send me a fraud packet. To this date neither was done, this account is still on my credit file and I never received the packet they claimed they would send.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit outstanding.Iam requesting immediate correction action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
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. 

Acct Name Acct # 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX management sent me a letter of release upon my exit at the end of my lease in XX/XX/2022, clearly stating their desire to cover any and all of money due, with a return of {$190.00} to me. ( See attachment. ) This agreement included a gag order, in which I was instructed to cease from all formal complaints, including my complaint filed with the XXXX. I refused to sign the document, stating I have no power to stop a complaint already filed. In retaliation, said company has trumped up charges nearly 2 years later and sent it to collections. I have in my possession several documents proving the list of things I am charged for were increased every time I refused to meet this mans demands. All documents have been filed with the XXXX  and available upon request. I also have photos of the house on the day we moved out, to show it was ready to move-in. XXXX moved in new residents the very next day. There was no time to have made repairs.
Product: Debt collection

Stone Creek Financial, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!
Product: Mortgage

My name is XXXX. I am filling a complaint about Bayview Loan Services Mortgage Company, XXXX FL. I am a home owner in XXXX, PA. Bayview bought out a loan from XXXX XXXX XXXX , in which I was in compliance with them about a modification that was offered to me. I started questioning this company about how they wanted me to submit my payments. I discussed with them linking up my checking account to take out payments each month which they agreed to but it NEVER happened. I had a contact person in which they kept giving me the run around. And now they are stating that I am two month behind. I did all the paperwork and have all my receipts. I have called numerous times and do n't want to fall anymore behind with payments due to late fees. I also have a gut feeling this company may be a fraud.
Product: Mortgage

XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX CFPBMy name is XXXX XXXX, and I work at the XXXX of XXXX XXXX XXXX. We would like to open a complaint against Wells Fargo with the intentions to come up with a solution for our client XXXX XXXX. The file was place a sales date in XXXX and we started a process for a Loan Modification at the end of XXXX. We stall the the sales date and managed to stop the sales date and foreclosure by having the underwriter review a complete package. 
Wells Fargo was en route to provide a Loan Modification in XXXX but then they change the account specialist at the middle of the review. The first review started with XXXX XXXX as a Single Point of Contact. The bank started requesting updated documentation which they already had, and they requested the same documents claiming they did not received the docs. Then through out the review process, they assigned a new single point of contact by the name XXXX XXXX ext XXXX. At first glance, he had no idea what was going on with the file, and after a few review of the documents, he told us the file was under review, then requested some documentation regarding bank statements and a property located in XXXX. We complied with the needed information, we send all documentation on a timely matter. We even had a couple of conversations with the underwriter clarifying the exact clarifications needed, as well as the documentation needed. We send all required documentation on a timely matter. 

Yesterday on XXXX XXXX, we had a conversation with XXXX in which he explained to us that the underwriter removed the file from review because all documents have expired, and advise we need to start the process all over due to expired documents. I advise him that the reason they expired is due to they kept requesting the same documentation over and over again, and now they have the dignity to come to say that we need to start the process again when they were the XXXX " stalling '' the file even though we complied with a complete package from the beginning of the process. 
We need a solution to be accomplished on this situation ASAP
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered fraudulent accounts listed. Please remove these accounts, as they are negatively affecting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached Documentation below.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX XXXX  Account NumberXXXX XXXX. I received my credit report. I noticed that this account is reporting incorrectly .The late payment summary is inaccurate and is reporting as follows, Experian shows that in XXXX XXXXXXXX is reporting XXXX days late, XXXX is reporting XXXX Days late, XXXX is reporting XXXX days late and XXXX and XXXX is showing that the account was Closed. XXXX is reporting that in XXXX XXXXXXXX is reporting XXXX days late, XXXX is reporting XXXX days late, XXXX is reporting XXXX  days late and XXXX shows it was PAID ON TIME. XXXX in XXXX is reporting XXXX is XXXX days late, XXXX is reporting XXXX days late, XXXX is reporting PAID ON TIME, XXXX is showing DATA UNAVAILABLE. This account is reporting inaccurate and According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
XXXX XXXXXXXX XXXX - XX/XX/XXXX - I didn't authorized or apply. 
XXXX - XX/XX/XXXX I didn't authorized or apply. 
XXXX ( card service ) - XX/XX/XXXX - I didn't authorized or apply.