23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I bought my home and borrow {$400000.00} from XXXX XXXX XXXX, loan number XXXX. Closing date XX/XX/2022 After I sold my old house, I paid {$350000.00} in XXXX and also paid XX/XX/XXXX due monthly payment of {$3700.00}. That went to principal {$2900.00}, escrow {$640.00} and only {$180.00} to interest due to XXXX payment made in XXXX. 
XXXX XXXX XXXX then sold my loan to PennyMac and they did not send any payments I made to them to PennyMac. I tried calling both sides several times and no one wanted to do anything. Because of it, my XXXX payment to PennyMac had to bear the full interest of {$400000.00}. I called again and they add XXXX payment dated XX/XX/XXXX, so I still have to pay the interest of {$1500.00}, instead of {$180.00} I am stuck between 2 companies and it took me too much times, but as of now, I still lost more than {$2700.00} as a result of this transition. Attached are my XXXX monthly statement from XXXX told me I had {$47000.00} principal balance, while XXXX monthly statement from PennyMac told me I owe {$46000.00} AFTER I already made XXXX payment. 
My calculation I should owe PennyMac XXXX now, not {$46000.00} And my lost is {$2700.00}
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. 

Westlake Financial : 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 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: Credit card

I contacted this company at XXXX and realized within XXXX hours that it was n't what I had really wanted. I have been trying to get a refund on my credit card from them since XXXX on their 60 day 100 % refund. I have contacted this company at least 5 times and they are n't listening! 
XXXX ; XXXXXXXXXXXX & gt ; XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX XXXX $ XXXXXXXXPrint XXXX, TX XXXX US
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of many that their information was obtained due to the Data Breach. I received the letter from Equifax stating this and now my INFO is being used. I have noticed numerous inquiries that I myself have not made and I have not been made aware when my credit report is being accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect outstanding debt collection still showing on my credit report through Equifax that has been previously paid on XX/XX/2020. The collection amount of {$190.00} was paid to XXXX XXXX XXXX ( XXXX ) for a former outstanding debt to XXXX XXXX XXXX. I have tried now numerous times to get this corrected through Equifax through their online dispute process, but with no success. When contacted by phone they tell me there is nothing that they can do and that they can only go by the information that the debt collection agency, XXXX XXXX XXXX, provides to them. But in contacting XXXX XXXX XXXX ( also numerous times ) they clearly show this has been paid in their system and have even provided to me an receipt for payment of this former outstanding debt. I have provided this receipt to Equifax along with my last dispute attempt and still Equifax came back after their review showing the collection amount was still outstanding. Help!!! 
This is affecting my credit score through them and given the current economic climate it is even worse ... Equifax has been awful to deal with to try to get this simple problem resolved!!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

Under Personal Statement the following appears : XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX XXXX XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX XXXX XXXX. 

Does this need to be on the reports if the Credit Reports are Frozen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank acct # XXXX XXXX  inaccurate due not receiving a statement in the mail. Also XX/XX/2018 late payment is in violation of 15 USC 1666b clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''.
Product: Mortgage

EVERBANK is showing that I was consistently 30 days late on payment for my home for months in a row.this has never been the case. Even after the home was SOLD they are yet reporting late payment
Product: Credit card or prepaid card

I opened a Kohl 's capital one credit card in XX/XX/XXXX. I used it one time on XX/XX/XXXX for a purchase of {$79.00}. I never received a billing statement or a phone call until XX/XX/XXXX. When I received this phone call, I made a payment of {$50.00} immediately over the phone that day and paid the card off completely with a {$100.00} payment on XX/XX/XXXX. While applying for a mortgage loan in XX/XX/XXXX, I discovered I had two late payments on my credit report from Kohl 's. A 30 day late on XX/XX/XXXX, and a 60 day late reported on XX/XX/XXXX. I contacted Kohl 's and explained that I had not received any sort of statement, and I also had not received my Kohl 's card on XX/XX/XXXX, I was told by a customer service representative that he spoke to their manager and " there was nothing they could do. '' I sent a letter to the main Kohl 's office that same day and never heard anything in return. These late payments dropped my credit score 160 points and has prevented me from getting a mortgage. If I had received a bill in the mail or a phone call before XX/XX/XXXX, I would have paid the bill immediately. I have never been late for any other payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX Bank, account # XXXX XXXX XXXX Bank, has violated my rights. 

15 U.S.C. 1681section 602 A states i have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting 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 accounts, 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 accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A representative from Hunter Warfield call me attempting to collect a debt. The debtor shared a name with me, however it was for an apartment complex in which I have never lived in. When Inasked how they got my phone number as I was fearful it may have been identity fraud that I needed to deal with they would not tell me and became rude. I assume they XXXX  my name and found my number associated with it. I was seeking confirmation that the company that they claimed I owed the debt to had or had not provided the phone number. 

I am very protective of my credit information and wanted to make sure it was not identity theft, otherwise I would need to deal with that immediately. Hunter Warfield refused to provide me with confirmation after they called me multiple times telling me I owed a debt that I did not.
Product: Student loan

XXXX / XXXX /  XXXX   From :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  To :  Navient    XXXX   XXXX    XXXX   XXXX , PA  XXXX  In regards to : Navient I,  XXXX   XXXX  is non-adverse, nonbelligerent, non-committed party, secure creditor with power of attorney general and Executor on behalf of  XXXX   XXXX     XXXX    ESTATE , is in possession of your recent voluntary submission of evidentiary documents.   Navient must herein provide a true and certified copy of the complete  audit trail o f all accounts of  XXXX   XXXX   XXXX . Furthermore, in order for Navient to validate this so called debt, please provide verification through audit certification of debt entry in accordance with   XXXX   XXXX   in accordance to  XXXX   XXXX   XXXX  and  XXXX  conventions I would also need a copy of your Tax Registration certificate.   Please do not provide a statement of accounts. I already have received these document. I am wanting to see the complet e audit trail of all account ( s ) from conc eption.   Failure to substantiate the claim, please settle the account immediately within the next 30 days.     Sincerely,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EQUIFAX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.
Product: Payday loan, title loan, or personal loan

In XXXX I received a call from Nissan saying that if I didn't bring my account current in 60 days they would mark the payment as delinquent. I made a payment within the 60 day window and I still have XXXX delinquent marks on my credit. Please ask for the recorded audio in XXXX because the rep told me it was 60 days not XXXX. 

I called in a second time and that representative basically told me the first woman I talked to was lying. 

Because she gave false and misleading information I would like those XXXX delinquencies removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A consumer reprint agency can not furnish an account without my written instructions A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose I have a right to privacy The fair credit reporting act XXXX account has violated my rights
Product: Credit reporting or other personal consumer reports

As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From XXXX with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments
Product: Credit card or prepaid card

I have paid my Bank Of America credit card on time for more than a year. 
My daughter was XXXX  on XX/XX/XXXX and I was in the hospital for a few days with her. 
My credit card payment was due on XX/XX/XXXX. 
Even though I was at the hospital, at XXXX on XX/XX/XXXX, which is the same date as the payment due date, I paid my minimum payment, and yet Bank of America assessed a late fee of {$27.00} and refuses to refund it! 

Does big banking greed really have no limits? 

I 'm planning to go to small claims to resolve this if necessary. 
And of course to the local media company.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed fraudulent accounts and unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I outlined the accounts and violations in my letters, but after 30 days, I have not received a response. Attached are copies of the letters sent.

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as disputed, and FCRA 605 ( c ) by incorrectly reporting the date of last activity instead of the payment date.

Additionally, they have not validated the collection account, further violating FDCPA 809 ( b ) according to the FTC.
Product: Prepaid card

In XXXX I purchased XXXX {$500.00} XXXX XXXX cards from XXXX - all 6 had been compromised. As a result, all six cards had been locked and unable to be used. 

I called XXXX who gave me a case number - XXXX - and asked to email a picture of the cards, my receipt, and ID. I did all of this on XX/XX/23 ; they never responded to the email. I followed up monthly and never got a response. I tried calling again and they said I had to communicate by email. 

I just want either my money back or the cards reissued. I provided all documentation and have been waiting for months I am attaching all the documentation that I emailed them numerous times per their request
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment and to follow up regarding the numerous unsuccessful attempts to correct late open account on my credit report. 
Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. 
This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. Over the past several months, I have made repeated attempts to address the presence of late open account on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open account persist inaccurately. I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Kindly help me correct the account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company, Harris & Harris, call me at least 3 times a day, everyday, about some kind of debt that I owe. I told them I do not owe anyone a delinquent debt and too stop calling me but they keep calling me. Please have them stop harrassing me! These calls have been going on for over a year! 
There has to be a law against these companies. They're phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submission, XXXX consistently responds with in 24 hours stating the account is accurate XXXX has failed to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of the dispute. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection ACT ( CFPA ), 12 U.S.C 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation. 

I want Reported accounts to be removed. 

XXXX XXXX XXXX Account number XXXX Address XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... 
Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????