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

XXXX XXXX  incorrectly reported my mortgage payments as late and I reported to Experian and sent into Experian proof of payment from my bak account for all the payments that they claimed were late and it was not removed. I reached out to XXXX and they told me there was nothing they could do. Months I sent proof for included XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  and XX/XX/XXXX. Payments in the amount of XXXX $ They did not correct. I asked that they remove it all together from my repost as I sold my home in XXXX and as of XXXX they have not done so.. Legally, they can not report my account to the credit bureau without my written consent and they do not have my written consent, thats 15US C section604a. This credit has violated my rights under 15USCC1681 section602 states I have the right to privacy
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX I communicated to Capital One that we lost our jobs and needed help. WE asked for options. They offered to move our payment and we accepted to move it to XXXX of each month due to limited income. They informed us it would take 1-2 billing cycles for the change to take effect. We received confirmation of the change in email. We continued to make payments each month. We made our last payment XX/XX/XXXX and it posted on XX/XX/XXXX. We got a notification from our credit report on XX/XX/XXXX that our Capital One card was closed on the XX/XX/XXXX We called to rectify and they said someone would call us back in 10 business days. They claimed they sent us a letter but we have not received anything as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX XXXX I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX  to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand LCI remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



XXXX XXXX
Product: Checking or savings account

A Wells Fargo bank teller accessed my account information without me ever giving consent at anytime ( I have never interacted with this teller for anything ). She then added my checking account and routing numbers to her personal credit card account as a payment method. Then used my account to make a few payments on her credit card bill.
Product: Credit reporting or other personal consumer reports

Date Opened : XX/XX/year> High Credit {$220.00} Last Reported XX/XX/year> According to the FCRA Section 605B, It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

I have also noticed that this collection account does not match up with my XXXX and XXXX account. Therefore, You are in violation in reporting inaccuracy on my Equifax credit report. I have attached a screenshot below of your inaccuracy reporting on my Equifax report. Please remove this Collection listed as Original Creditor : XXXX XXXX with the account number, XXXX from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, Experian, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, Experian, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.
Product: Checking or savings account

I had an attempted identity theft on my bank account and essentially every account I had any password linked to. Multiple suspicious charges ( over 50 ) made on my account to various websites. Totaling in the amount of nearly {$700.00}. Made a fraud claim with my bank around XX/XX/XXXX. Received refunds for the amount of {$400.00} in credits from the dates between XX/XX/XXXX through XX/XX/XXXX. Charges were deemed legitimate by my bank and credits were reversed between the dates of XX/XX/XXXX through XX/XX/XXXX. Inquired about reasoning why on two separate occasions. The first time I called around XX/XX/XXXX I was told charges were legitimate with little to no explanation other than the investigators determined them to be legitimate. Was told that there would be absolutely no more reversals on my account, asked to confirm that this was true and was reassured that the process was over. I was not told that I could contest the ruling by the bank. As of, XX/XX/XXXX started receiving more reversals on my account, almost 3 months later. Called the bank a second time and was told that the reversals occurred because there had been no more attempts to charge my account after my claim was placed with the bank. I had received a new debit card immediately after I noticed the suspicious charges as well as changing passwords to over 30 different accounts which I hoped would stop the charges. Seems that since the charges stopped I am responsible for previous charges?
Product: Credit card

I got sick and couldnt work I called Synchrony bank and requested information on the insurance I purchased The person I spoke with became rude and refused me the service but she gave me the service later in the conversation on only one of my many accounts. After I got off the phone my accounts started shutting down and closing and documenting I was not going to pay so it was a chain reaction all my cards shutting down dropping my credit score I was never late I just ask for a service I paid for. I was devastated at their actions. I have several card through Scynchrony. Belks Sams Rooms to Go JCPenny Verizons Premier Masters card.
Product: Mortgage

Failed to pay service provider. Will not communicate. I am an independent fee appraiser. Nationstar ordered a foreclosure appraisal through the Dept of VA. they will not pay or communicate with me. I have sent several billings, put into collections, requested help from the VA and still have not received payment. Due to not communicating, I am filing a complaint and a congressional inquiry.
Product: Mortgage

My family bought our first home about a year ago and we have had our mortgage servicing changed 3 times in the past year. Our current mortgage servicing company is Freedom mortgage. I tried to make my XX/XX/XXXX payment with this company on XX/XX/XXXX and I received a confirmation # from them which I have. They gave me a call on XX/XX/XXXX saying the payment had n't gone through even though I received a confirmation. I was told the bank info had a XXXX number error and it did n't go through because of this. Now they have added a {$73.00} late fee to my payment. Prior to this, I tried in XX/XX/XXXX to get automatic payments done, but their website would not allow me to do this. I also called them on the phone to do this without any avail. Furthermore, they 're website does not have the capability to save bank information ; therefore, it would be very common to have a human error when making payments. I was supposed to have a manager call me and reverse the payment. I had to call back today on XX/XX/XXXX because I have not had anyone reach out to me. Furthermore, I waited an hour and half and was still not put in touch with a supervisor. On top of this there was no record of my call on XX/XX/XXXX with them because their customer service rep forgot to save the notes. I 'm very upset that this company treats its customers this way and tries to gauge them with late fees.I never signed up to work with this servicing company and have been forced to do so because my mortgage keeps getting sold. Furthermore, they do not help their customers fix issues and waste their time when customers try to resolve issues. This is very troubling and this company needs to be investigated for their practices.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance.

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Product: Student loan

I have ( XXXX ) Derogatory - CLOSED accounts with XXXX. Each account represents a small student loan that was taken out several years ago. These accounts were purchased last year by XXXX, who I am currently in good standing with. TransUnion is reported an XXXX-point deduction from my credit score for each one of these ( XXXX ) accounts that were with XXXX. I have been working over the last year to repair my credit as I am trying to purchase a home for my family. XXXX points is life changing. This amount of points being deducted from my credit score for loans with a single lender that have since been satisfied does not seem like a " fair '' credit reporting practice. I have contacted XXXX and TransUnion to discuss this matter and work toward resolution. Both institutions told me there is nothing that I or they can do to remove or even adjust this massive point deduction. The CFPB is my last hope. Is this something that you can help with?
Product: Mortgage

Tried to resolve multiple times with PNC Bank on Homeowner 's Insurance policy on our current address. There was a lapse in coverage due to an error during loan processing and no binding from the homeowner 's insurance on the previous home to the new home. PNC Bank placed a forced hold amount nearly doubling the amount we currently pay in homeowner 's insurance in backpay. PNC would not inform us of which company is collecting backpay and assured us that we can find another insurance company, if we wanted to cover the backpay. We found out no other insurance company will cover backpay because it is considered fraud. Multiple attempts were made to PNC to reduce the amount of what they are trying to collect in backpay, a total of {$1900.00} approximately, nearly double of what we pay now. 

Back pay $ XXXX vs $ XXXX - nearly double the amount we pay now for homeowner 's insurance. We are willing to negotiate with PNC on the backpay amount of what we currently pay on the Homeowner 's Insurance policy. Doubling the amount of our current policy should be considered unethical business practices on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXX, XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1500.00}.
Product: Credit card

I received the following email indicating I have made a purchase on PayPal. I do not have PayPal. I used to, I had too many problems so I closed it. This is absolutely not associated with me! 
Receipt has been issued XXXX Check Details Now XXXX All parties have completed Alert : Action RequiredXXXX. 

PayPal Please find enclosed your invoice attached herewith. 

We are pleased to inform you that your payment in the amount of {$430.00} has been successfully processed. This payment has been executed upon receipt. Furthermore, we would like to bring to your attention that no transactions have been recorded with this seller within the preceding year. 


Description : ITEM ORDERED : XXXX XXXX XXXX XXXX  ( 1 XXXX ) AMOUNT CHARGED : {$430.00} DATE OF PURCHASE : XXXX ORDER ID : XXXX If you believe that this transaction was not authorized by you, we kindly request that you notify us immediately by contacting our toll-free number XXXX ( XXXX ) XXXX XXXX. 

Thank you for accepting this report! 

XXXX XXXX
Product: Vehicle loan or lease

Acima Close my account I was told I had to email someone to read in my account They also contacted me after I filed for bankruptcy, which is illegal. They are not to contact me after filing a bankruptcy and they contacted me via email.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX / XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Absolute Resolution XXXX XXXX XXXX XXXX XXXX XXXX INVESTMENTS, XXXX, MN XXXX has been reporting false information on my report. The Fair Credit Reporting Act ( FCRA ), specifically 15USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. I do not know the address for which they have attached to my profile.
Product: Credit card

I have had a Juniper Credit Card with Barclays for many years. They have increased and decreased my limits in the past but the latest was the last straw. I received my credit card statement on XX/XX/year> and noticed my credit limit now reflects {$3300.00}. It was previously {$11000.00}. I have a balance over {$3000.00} so I went from using approximately 30 % of my credit limit to now over 95 % of my limit. This has devastating impacts on my credit score. It dropped XXXX points. Now I have never had any late payments or issues with this company. I also have not missed payments on any of my other cards. But due to the fact i have used my other cards they decided it would be a great idea to decrease my limit by {$8500.00}! I understand decreasing a limit but decreasing it by that amount is not fair. I am now harmed due to this lower credit score on obtaining additional credit. There should be a policy in place for reducing credit lines for customers with no issues. This practice is awful!
Product: Checking or savings account

I have a checking account at Chase bank with my grandson who has a student account under. On XX/XX/2025 we deposited a check for {$37000.00} ( distribution for trust ) into the account. The payer/maker is his uncle with the same last name. We both presented ourselves at the bank for the deposit and were told the funds would be available in a few days. A few days later I received a phone from Chase saying my account would be frozen for " suspicious activity '' in connection with the deposit. Chase froze my account for 14 days allowing automatic deposits but rejecting automatic withdrawals. 

During this 14 days of financial chaos we were asked to come into the bank and present more identification including a birth certificate for my grandson. They also asked him to get a phone in his name so they could verify him with a phone call. That was not enough so they asked the payer to present himself at his local Chase bank in California and verify his identity. After complying with all their demands, they closed our account. 

The check was paid, but Chase refused to release the money. I have been to the bank several times and have called them many times. The new demand is that the payer and the maker present themselves at the bank together, and they will release the funds. We live in XXXX  the payer in California.
Product: Credit reporting or other personal consumer reports

As per guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to trafficking Debt. Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted TRANSUNION. Please delete the following accounts. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXX {$2200.00} inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>