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

I have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXXXXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXXXXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX XXXX XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Experian is reporting to debt collections that arent mine. XXXX XXXX  for {$1800.00} and XXXX XXXX for {$1100.00}. Ive tried resolving this issue but they will not remove the collections. I want Experian to provide proof of this debt and I want to see the contract bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of victim of identity theft and fraud. My XXXX XXXX account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again today XX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an SC-100 ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Product: Mortgage

Bank of America collected payments on my loan for years Never notified new servicer with XXXX XXXX or transferred account Bank of America gave bad loan mod and tacked o add'l {$75000.00} on my loan Was not aware of
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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: Student loan

Discover, the company managing my student loan have raised interest rates from 2 percent to 5 percent, informing that my repayment period ( monthly have increased ) and that now I have 25 payments left. 

First information was this loan will be paid on XX/XX/XXXX, then XX/XX/XXXX and now info says I have 25 payments left. 

I need transparency regarding my loan balances, informing in a detailed way why they have increased interest rates so many times and why the have increased my payments period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking credit reports and found fraud. Child support loan fraud and. XXXX loan fraud. Experian. And XXXX also have save fraud reporting on their files as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID as it contains my full complaint request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN Account # XXXX, XXXX  recovery Account # XXXX, and XXXX  recovery 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to inaccurately show a " Social Security # Variation '' on my Credit File. I have been trying in vain for years to have this issue permanently resolved to no avail. After the latest round that took months Equifax finally took the " Social Security # Variation '' off my Credit Report of XX/XX/XXXX Confirmation # XXXX. However, when I obtained my latest Credit File XX/XX/XXXX Confirmation # XXXX I see that Equifax started reporting a " Social Security # Variation '' on XX/XX/XXXX! Only one month later! What is wrong with these people! 

I was born with one SS # and unfortunately will probably die with Equifax saying I have two.  Utterly ridiculous!
Product: Credit reporting or other personal consumer reports

My data was compromised in a data breach, and an account was opened in my name that I have no knowledge of. I have included my FTC reports. The creditors have closed the accounts, but it appears on my credit file as a closed account, which is still affecting my credit scores.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and request that you take immediate action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent and inaccurate information from my credit report within 4 business days of receiving this complaint.

The information in question is the result of identity theft and does not reflect any actions or accounts that I have opened, initiated, or authorized. The fraudulent accounts, collections, and hard inquiries that are listed below appear on my credit report and have impacted my FICO score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX
Product: Credit card

Over the course of the past XXXX months, I have been attempting to get American Express to apply my XXXX XXXX card reward dollars against the balance of my account. The first XXXX attempts were via their website, which reported an error, and instructed me to call and speak to a representative. I 've now made XXXX successive phone calls to their representatives, and submitted a complaint, and the rewards have still not been applied. Here are dates of each phone call and notes about what was discussed. 

XXXX XXXX 2015. Requested application of reward balance to statement. Told rewards will be applied in next statement. 

XXXX XXXX. Asked to close account, closure specialist put me in touch with rewards person. XXXX - at the rewards membership, said the system is broken, and I need to call back tomorrow. XXXX is the account closure specialist, and said she 'd give me a a {$75.00} loyalty credit that will appear within XXXX weeks. This took about XXXX hour, and I still do n't know why the rewards can not be applied. 

XXXX XXXX. Called XXXX XXXX - Representative said they attempted to cash rewards, but it failed. Does not know why. Putting me on hold to talk to supervisor. He is going to open up a dispute - maybe dispute team to take care of it for me. XXXX is name of rep. Said to expect a response in XXXX business days. Said the reason it is difficult is because I have moved out of the XXXX. 

XXXX XXXX. Calling for update on status yet again. Rep put me on hold for several minutes to read notes, then said needs to put me in touch with a particular supervisor, and put me on hold again. I 've now been on hold about XXXX minutes and I 'm going to hang up now. Total call length is XXXX.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX* 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: Mortgage

I purchased a new home XXXX, and the Mortgage is being carried by Guaranteed Rate- At closing I told team that I am a XXXX veteran, and I qualified for a tax exemption. I was told once the deed was recorded in my name the exemption could be processed. XXXX County has processed and approved the tax exemption and provided a letter of exemption ; stating that the property is tax exempt. I have contacted the mortgage several times and have been told they require more information, that that cant do a escrow review until XXXX and I would need to wait until the county issues a new tax bill in XXXX of XX/XX/XXXX, several phone calls and multiples answers, all except that when it processes " at least you can request a refund ''. 
I am not understanding how I am being told to disregard Illinois Statutes for XXXX veterans
Product: Credit reporting, credit repair services, or other personal consumer reports

A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. Please see the request below. After Experian did not send the verifiable proof in my request for validation in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g, a complaint was filed with the CFPB on XX/XX/2019 requesting deletion of said account from my credit report. 

Experian stated in their response to my complaint as the remedy that the XXXX XXXX Account filed in the complaint does not appear on my credit report any longer, and that an updated version of my credit report would be sent for my review. This statement/remedy reported to CFPB was a lie ( Please see attached complaint filed with the CFPB, as well as Experian 's response highlighted with the statement given to the CFPB ). I received an updated credit report from Experian, report # XXXX dated XX/XX/2019, in which Experian lists in a statement under this XXXX XXXX account which reads, " This item remained unchanged from our processing of your dispute in XXXX, 2019. '' Not only has Experian resorted to reporting false, unvalidated and verifiable information on my credit report, they are also lying to the CFPB stating that the dispute was resolved via non-monetary to the CFPB and is not being reported on my current credit report any longer. ( Please see attached paperwork of highlighted response from Experian ). 

Experian continues to lie and report false and erroneous information on my credit report and lie to the CFPB regarding the resolution that they stated was met. As of this date, XX/XX/2019, Experian still has yet to remove this account, as it is still being reported. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof from 2 months ago, in which the original dispute was filed. The company has yet to comply. 

* All Proof of Correspondence Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - XXXX attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX, a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX ( CREDCO ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( CREDCO ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( XXXX XXXX ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.
Product: Credit card

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Product: Payday loan, title loan, or personal loan

I contacted Loanme to payoff my loan on XX/XX/XXXX as they were charging me 210 % interest on my loan. She took the payment over the phone. Went to see if my loan was paid off the following day and they charged another {$25.00} on my account. They do not allow you to make same day payments, which they are charging interest daily and the loan will not allow you to pay it off at this rate. 
Also the loan was made on XX/XX/XXXX, they have taken {$170.00} out of my account biweekly. 
This is how my loan has been being applied : They have only been applying {$.00} to {$1.00} to principal with biweekly payments for 8 months. 
Date Description Principal Interest Other Total Payment Balance XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open New Loan XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, My Bank of America Mastercard ending in XXXX was marked for a 30 day late for XX/XX/2021. 

I called in, in XXXX, and the delinquent report was going to be removed. All 3 credit bureaus are still showing that it is there. Will you please ask update this, and ensure all three bureaus update my report showing that the XX/XX/2021 payment was current? 

If needed, they can pull the phone call. I called from XXXX, work number, the call was to ( XXXX ) XXXX, the call was on XX/XX/2021 at XXXX XXXX Central Time. It was a total of 20 min and 6 seconds long. It was recorded on their side per the representative. I cant remember the representative 's name I spoke with, but it was a woman. She waived the 30 day late on my credit after asking if we were affected by COVID-19. 

I asked about this with their XXXX customer service, and they said " its the law, '' for the reason they did not fix my credit report. 

I had just gotten off a confusing plan for payments due to COVID-19. So the 30 day issue was not due to not having the money. I wasn't clear when my payment was due. 

So the representative I spoke with was correct. She stated that I was covered under the CARES Act since I was just on their deferred program for COVID-19. 

I've sent a dispute for this with all 3 bureaus, they've declined to fix each one. 

Thank you
Product: Mortgage

XXXX Mr Cooper loans of XXXX. I closed on a loan with XXXX XXXX, made XXXX payment. XXXX was sold to XXXX. Setup payment by providing by XXXX information as no other choice was offered. Months later, XXXX was hacked. XXXX shutdown for over a week. I called to ask that they sell my loan, they will not provide person to discuss with. Asked them for address of legal counsel that I can serve them with lawsuit. Will not provide address. Asked to speak to XXXX, rep claimed he did not know who. I did not choose this company and they have no business being in this business with all the problems. Good companies dont get hacked. They operate cheaply, had their phone system off during the outage with no way to contact them. Communications regarding the security of my information are disregarded. Spend XXXX hour on phone today just getting the run around. I would like sufficient information on them to begin a class action suit. I want my information secured or my loan sold to a credible provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the XXXX, XXXX and transunion I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law
Product: Credit card or prepaid card

I have two Capital One credit cards, at issue is my XXXX XXXX card. 
I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX XXXX XXXX, an organization that supports families of fallen police officers. 
CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne also charges more than 29 % interest on the cash advances. 
I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus an additional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. 
By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. I am unable to log in to CapOne to obtain a copy of my most recent statement, as they have locked my sign in credentials for some unknown reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus XXXX XXXX and Experian, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.