23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive been always paying my mortgage on time. In XX/XX/XXXX, for some reason, the mortgage company didnt receive my payment on time. The payment was a check from my bank account which was mailed to the Mortgage Company by XXXX XXXX. The mortgage company mailed me a Delinquent Notice. When I called them, they said that they did not receive the check. The manager who I was talking to her on the phone, suggested me to put a stop payment on that check and she charged my debit card over the phone for XX/XX/XXXX payment. I did that. She also charged me a late fee. I told her it was not my fault that the check was lost. But she charged me late fee anyway. 
Since then, they keep sending me letters and calling me for being behind on my payment. They keep charging me late fees. They are threatening me to report the late payment to the credit companies. Ive been on the phone with the mortgage company almost every week since XX/XX/XXXX. I emailed them a copy of my bank statements showing that the money came out of my bank account and was sent to the mortgage company every month. I also emailed them a copy of the confirmations showing that they received the money every month. But I couldnt fix the problem. I talked to and emailed the supporting documents to several managers but every time, there is a new person and he/she has no record of my previous emails and conversations. I have to send the supporting documents again and again. 
I also contacted XXXX XXXX and I called the mortgage company from XXXX XXXX branch. A banker and I talked to a manager at Loan Care and the banker told her that I made my payments every month. But she didnt listen. I filed a complaint with XXXX XXXX. XXXX XXXX mailed me the Transaction ID # for 2 of my payments. They said the third Transaction ID # is from a different department and they will mail it to me. I am waiting to receive the third Transaction ID # from XXXX XXXX in the mail. I dont know what else to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -NO written instructions from consumer to furnish information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.
Product: Debt collection

Validation of debt was submitted to this company via certified mail on XX/XX/23. Receipt of confirmation as received. They failed to respond to the validation of the debt. IQ Data International and the Original Creditor XXXX XXXX XXXX  were contacted regarding incorrect charges. Both failed to respond. IQ Data International also violates FDCPA guidelines by not allowing enough response time on their original notification.

The amount of debt IQ Data International intends to collect is {$1900.00}. That is incorrect. I never refused to pay the debt. I asked the debt collector to contact the original creditor to revise the amount and contact me when the charges were revised. I was not contacted, and the company did not call me after they received the validation of the debt and had to cease all communication to remain in compliance. But they should've contacted me in writing. This indicates that they did receive the XXXX, yet failed to respond. IQ Data International proceeded to report this debt to my credit, they were also contacting my child who was a minor at the time the account in dispute was opened.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Misleading Information Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns and dissatisfaction regarding misleading information and inaccurate reporting related to my credit report. 

In XXXXXXXX XXXX, I applied for a car loan for a XXXX XXXX and subsequently leased the vehicle at the end of XXXX. Prior to this, I had placed a security freeze on my credit report after experiencing identity theft. Upon reviewing my credit report through Experian, I discovered multiple inquiriessix in totaldespite having authorized only one for my car loan application. When I contacted Experian, I was informed that the additional inquiries would not negatively impact my credit score and that I should not worry about them. 

However, after applying for a XXXX XXXX XXXX XXXXprompted by Experian 's numerous promotional emails highlighting XXXX percent offers and a No Ding Decline policyI was declined. I received an email from XXXX XXXX indicating that there was a ding on my credit report due to these inquiries. Upon receiving a letter from XXXX XXXX, I learned that my application was declined solely because of the number of inquiries on my report. 

Further communications with Experian revealed that I needed to contact XXXX XXXX  to request the removal of these inquiries, despite the fact that Experian promoted these offers. XXXX XXXX  informed me that they do not participate in any programs offered by Experian and that they always conduct a hard pull when someone applies for a credit card. Additionally, they do not issue letters authorizing the removal of hard inquiries. 

I believe that Experians actions may be misleading and potentially harmful to consumers. If this issue is not resolved, I will consider pursuing legal action, including exploring the possibility of a class action lawsuit. I am requesting that the CFPB take appropriate measures to investigate this matter and require Experian to remove the inaccurate hard inquiries from my credit report. 

Thank you for your attention to this important issue.
Product: Credit reporting or other personal consumer reports

Name Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dismanting Addresses Inconect XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Inquiry XXXX  Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized Inquiry CC XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized XXXX XXXX Date of Inquiry : XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed all. 
XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX XXXX XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX  ACCOUNT XXXX THIS ACCOUNT NEEDS TO TO BE VALIDATED XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had identity theft I just filed a report you helped me tremendously no one else would anyway its just been awful this XXXX  XXXX is mine but got behind while sick but Im making payments trying to get this pd off the best I can! Have disputed with Experian the way the report is on credit they having nothing reporting Im payments not since XXXX of XXXX made XXXX XXXX XXXX XXXX XXXX and XXXX year of XXXX have not made yet in XXXX XXXX XXXX has reported to them the other XXXX took care of it but our to add something I didnt do good about that but something good that I do no! Taking a toll on health so bad trying to get what life I have back stressful! I dont wish on anyone!
Product: Checking or savings account

On behalf of my XXXX children XXXX XXXX XXXX and XXXX XXXX XXXX Wells Fargo had me and my daughter with the same number that every person should not share as if we were the same person. I forgot the number but then I went back requesting missing child support payments for my kids it doesnt show what child support is stating was paid. Also, when I had the account with them since 2010 when they were called XXXX there were missing payments made to me, there was % and fees I didnt see while banking with them. They sent me XXXX small checks when they still havent paid for all the debit card fraud that was happening to my account, cyber criminals committing financial crimes using my account they paid me a total of {$700.00} for 3 different accounts. And one piece of mail was addressed to the wrong address an address I never used while banking with them. I only received the small check because I was forwarding all my mail. I explained to them from XXXX that I was dealing with identity theft, debit card fraud where I wasnt recieving their debit card through the mail and I kept having to use temp card while whom ever had the cards I never received. There was hidden accounts with my kids information money missing from IRS victims of crimes deposits and we never got those deposits. I want to know all the deposits made for my XXXX kids what happened to the money. Being i birth them, raising them and have no help with them. I want Wells Fargo to check all Accts from XXXX and find all Accts associated with me and my XXXX kids if they havent changed the names on the accts
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple dispute letters to XXXX regarding inaccuracies on my credit report. Despite following the proper process and providing detailed explanations, these issues remain unresolved. Below is a summary of the disputed accounts and actions : XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
Disputed missed and late payments, requested complete payment records and proof of investigation. 
XXXX. XXXX XXXX ( Account # XXXX ) : Account opened on XX/XX/XXXX with an {$8400.00} balance. 
Disputed charge-off status and requested proof of charge-off or update of balance to {$0.00}. 
XXXX XXXX XXXX ( Account # XXXX ) : Revolving account opened on XX/XX/XXXX with a {$300.00} balance Disputed charge-off status and requested proof of charge-off or balance update. 
XXXX. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$67.00} balance. 
Disputed late payment history and requested proof of payments made and missed, along with investigation details. 
XXXX XXXX XXXX  ( Account # XXXX ) : Collection account opened on XX/XX/XXXX with a {$1200.00} balance. 
Disputed debt ownership and requested proof from the original creditor that this debt collector owns the debt and has legal authority to collect. 

In all cases, I have not received adequate proof of investigation, payment records, or validation from XXXX or the creditors to support the negative information being reported. This failure to investigate properly violates the Fair Credit Reporting Act. 

I request immediate resolution, including the removal of inaccurate items, correction of any errors, and written confirmation of all actions taken on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan through the lender Gateway One Lending around XX/XX/XXXX. I immediately signed up for automatic payments and have been on auto-pay ever since and have never missed a payment. In XX/XX/XXXX Gateway One Lending was bought out but Santander Consumer USA Inc. In XX/XX/XXXX I received a notification from XXXX  that my credit score had fallen 40 points due to a missed car payment. I immediately contacted my new lender only to find out  that in fact their records did not show any late or missed payment, in fact the agent concurred that their records showed I have always been on auto-pay since signing the loan. The agent also supplied me with a complete payment history to support my up to date payments in which I have attached below. After reviewing the account and identifying the issue on their end the rep informed me that there was nothing she could do to correct the issue and directed me to call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf of XXXX XXXX XXXX for Insurance underwriting On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ___________________________________________________________________ in accordance with the Fair Credit Reporting act these companies, have 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 ____________________________________________________________________
Product: Credit card

A credit card was opened in my name with Suntrust Bank.I have a fraud alert on my credit report stating to contact me at my phone number prior to issuing any new credit. Suntrust has closed the account but not tell me why this account was opened without contacting me first.
Product: Credit reporting or other personal consumer reports

All the listed accounts need to be removed. They are affecting my ability to obtain credit to continue running my business. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment with the purple writing on it if this comes out in color. My question is why are the expiration dates now different?????? It doesn't make any sense. I'm expecting that item which will be expiring this year per several prior reports you have sent me. I keep a close eye on those dates and mark my calendar. You've made so many errors on this particular account that I'm just sick of it!
Product: Credit card or prepaid card

I am disputing XXXX fraudulent charges on my Bank of America VISA : {$84.00} to XXXX XXXX Parking Enforcement in XXXX  on XX/XX/2021 and {$150.00} to XXXX in XXXX XXXX  on XX/XX/2021. I reside in XXXX  State and can show that I was on the other side of the country during the time of the fraudulent charges. I contacted BOA for a fraud investigation. They have sent me XXXX denial letters. In reviewing the BOA form letters, it is clear they did not do an investigation of the matter. They have not provided any proof that I made these charges ( such as a signed receipt ). The second denial letter acknowledged that I did not make the charges but rather BOA asserts the charges were made by an " authorized user '' which is false as there is NO authorized users on the account except for myself. BOA is acting in bad faith and I am demanding they refund these fraudulent charges on my account and retract any comments added to the credit reporting agencies regarding these fraudulent charges.
Product: Credit reporting or other personal consumer reports

I have no idea of who these collectors are and when I call I get no response about who the debt is from just I owe money and they all refuse to remove anything from my credit report. Except one company for a credit card I never had but they refused to investigate the matter just said I need to pay the debt even after letting them know it was fraud.
Product: Debt collection

Debt was collected due to a lease impacted under the COVID-19 pandemic. The start of the pandemic congress passed the CARES ( Coronavirus Aid, Relief, and Economic Security ) Act, which prevented landlords of certain residences nationwide from evicting tenants from XX/XX/XXXX to XX/XX/XXXX. The protections were actually extended for over a yearuntil the Supreme Court decision ended it in XXXX, XXXX. My lease was affected under the dates and left the premises during the moratorium effective dates.
Product: Checking or savings account

XX/XX/18 XXXX {$39.00} XXXX XXXX {$34.00} XXXX {$11.00} XXXX {$34.00} XXXX   {$14.00} XXXX XXXX {$56.00} XXXX  {$710.00} XXXX {$110.00} Dispute was denied by the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I previously disputed this case with Portfolio recovery, They agreed to cease collection efforts and remove items from my reports. The items were removed, however they have been reinserted.
Product: Mortgage

US Bank is selling my home ( XXXX XXXX XXXX, XXXX, MA, XXXX ) via an auction on the XXXX of XXXX, according to a letter I received from the Bank. They called me today to say that they will address my concerns via a letter which will be received by the XXXX of XXXX. I asked if they were still planning to auction off my home, as I am on the title and paid the down payment. I am not on the mortgage, according to the representative, so they could not speak with me about this foreclosure sale. The person who called me gave me the following number - XXXX. 

My name has appeared in the newspaper under the foreclosure of this home, damaging my professional reputation. This is disparagement, and appears to be fraud. 
The bank refuses to speak with me despite a court order signed by co-owner XXXX XXXX authorizing them to speak with me. 
The person on the note is XXXX XXXX XXXX, and his attorney is NY attorney XXXX XXXX. I believe that there are fraudulent documents involved in this case. 

XXXX XXXX was also ordered by the court in XXXX to pay a portion of the mortgage, which he did not do, despite having the funds to pay. This is a case of financial abuse by US Bank, XXXX XXXX, and attorney XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX This is was my last complaint ID Since Bank of America doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with Bank of America! 
In XXXX I opened credit card with Bank of America, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to XXXX with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with XXXX, I received a letter from XXXX that I won dispute, nothing changed on my score! 
How can I be responsible for the Bank of America unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to XXXX where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. 
Please take an action. Thank you