23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received company 's answer under Complaint # XXXX Here is the list of the payments I made on the 1st Mortgage : 1st Mortgage Payments from XX/XX/XXXX to XX/XX/XXXX Account # XXXX Date : check # amount for Month of : XX/XX/XXXX XXXX {$1100.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX online* {$1200.00} for XX/XX/XXXX *Confirmation # XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX Yet they still say I'm late and reported me late from XX/XX/XXXX to credit bureaus and won't fix it? Can you please help? Thank you.
Product: Debt collection

I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed Numerous unauthorized accounts and inquiries on report attempted fix with companies to no end. Retired XXXX XXXX trying to purchase home.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, 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 XX/XX/XXXX XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : 1. XXXX # XXXX 2. XXXX XX/XX/XXXX- # XXXX 3. XXXXXX/XX/XXXX- # XXXX 4. XXXX XXXX # 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 XXXX & XXXX XXXX # 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 reporting, credit repair services, or other personal consumer reports

Have sent a list of deputies to Experian, over 18 past and present dating from XXXX I did not authorize them and they failed to provide accurate information, and a removal of XXXX XXXXXXXX truck status is not accurate. 

No action was taken by company and has impacted my financial stable ability to get a home for my family. I am seeking compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX XXXX when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX financial then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX
Product: Checking or savings account

Some used my debit card number at XXXX XXXX several times I contacted PNC bank and told them what happened I was issued a new card and they reversed the charges totaling {$130.00}. I was contacted by PNC via mail telling me that their investigation was completed and that they are going to debit my account {$130.00} in which I'm responsible for paying. I don't understand why I have to pay for these charges that was never authorized by me in the first place. I did not authorized charges totaling {$130.00} to my card this is ridiculous. PNC did not protect me instead I'm being penalized for something I did not authorized I am highly insulted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal has locked my account and frozen over {$1000.00} in there. They said some of my activity sending money to friends was suspicious. They asked for my bank account info, drivers license and a description of the charges, all of which I have provided. 

They sent me an email saying they would take 5 days to review my account. 5 days???? In a major crisis? I have had this paypal account for 20 years, and it is absolutely outrageous they would arbitrarily freeze my funds especially now. I can't transfer the funds out. Even if the suspicions were founded they do not have the legal right to freeze my funds.
Product: Debt collection

Southwest credit systems is saying I owe a debt that has been paid to the original creditor, XXXX, I was not notified that by Southwest about a debt collection. XXXX has sent over a request for deletion on XX/XX/2021. Now they will not remove the collection from my credit report.
Product: Mortgage

my monthly complaint i resived a call from my bank mortgage company and they started to increased since last month they keep claiming. I owed them money they im behind 2 months I asked to tell me when or where but they don't know this lady XXXX where really rude when I asked why she keeps calling my number and leaving so many massages like I was calling her she didn't like it again I asked tell me where is the shortest she said to give her my email I don't have one but my wife does they do have it but she is trying vto get me all worked out this shellpointmorgage company got my account from XXXX  XXXX XXXX and following the same lies and different ways to charge for money I don't owned them they keep doing it I been making complamy about this but they keep sending me same papers then when this lady hang up the call I call again to see why this company shellpoint mortgage company to see why they keep saying the same but not proved then I talked to XXXX she told me she is trying to help me ok I said but she said same thing that they will send me all the paper and I will look for where and when I'm late they can't say it but they know I'm late I asked i think if you say I'm late you nave to proved it not yes say you have to find out where is the mount you owned in the past I have send them few different mount but I can't go and send them if they keep changing the mount back again the girls XXXX she made the effort to look a little more and she help me that's XXXX and this month we are in at the beginning XXXX they says I owed them it now kaily say the same thing as XXXX I tell her that with all this complaint I learned that on 2015 when I got my loan modification my payments where XXXX something like that but then after 3 months of the same year XXXX  XXXX XXXX increased to more than 1500 I call them but they claimed it was an escrow for what I understood the escrow adjusted every last month of the year they have got more than {$150000.00} dollars added to my loan for escrow insurance and different payments from companies their lawyers court fees all that was included so I was going to start fresh with my loan XXXX  told me that she saw in that and that was the issue and since that day I owed them even that every end of the year they adjusted the escrow and insurance how come my monthly payments has increased since that year even that my insurance and taxes where not that high she tell me that's why I have {$900.00} or more in late fees I don't get it this company is owned by XXXX XXXX  but they don't take responsibility of that they are d6 taken advantage of people again they wanted to charge for their own mistakes XXXX say it the other company XXXX  XXXX XXXX records she see they did screwed me up and she it's ok with it but last time I taro some one on costumers service they say same about XXXX XXXX  fault so they keep making mistakes and I'm to blame for
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing XXXX. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX : {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX : {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX account number XXXX Date opened XX/XX/XXXX I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. 
All of these accounts must be removed from credit report.
Product: Consumer Loan

I fell behind on my monthly lease payments. My vehicle was taken by the bank. 
I called to reinstate and was told that I did not have that option because my payment history was not good. I was told that I would be obligated to pay {$36000.00} by XXXX/XXXX/16 in order to get my vehicle back. I inquired whether or not I could pay the cost of the remaining months on my lease rather than the entire cost of the car. 
I was told that paying the remaining payments under my lease term was not an option. 
I must pay the {$36000.00}. My credit report only indicates that I am obligated to pay the balance of the lease it does not state {$36000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my social, ID and utility bill which I have not included here. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Aggravated Identity Theft pursuant to 18 U.S.C 1028A 15 US 1681 Fair Credit Reporting Act Pursuant 35 4.5. Code 1681c-2 Block of information resulting from identity theft.
Product: Credit card or prepaid card

On XXXX/XXXX/201, I placed an order with XXXX for {$190.00} using my Bank of America credit card ending in XXXX. In XX/XX/2022, I returned some items to XXXX and received a credit for {$120.00}. I also felt, I should have received more credit hence I filed a dispute for {$36.00} with Bank of America on XX/XX/2022. 

On XX/XX/2022, I received a letter stating I received the credit of {$36.00}. After a few days of the credit not posting to my credit card, I contacted Bank of America, I was told to wait until the end of the statement cycle for the credit to post. I have the audio of this call and the notes are on my account. 

I waited until the next bill cycle and the credit has yet to be posted on my account. Please explain where is my credit as per the letter received.
Product: Checking or savings account

On XX/XX/2018 CIBC USA, XXXX XXXX, IL called me to notify me that my 2 corporate accounts were being closed because of an incoming wire the day ( {$3000.00} ) before from a U.S.-based cryptocurrency exchange, Coinbase. They said that they don't allow transactions with cryptocurrency exchanges and that for that reason they needed to close the accounts. There was no discussion, just a 60 second phone call that we were done with their bank and that they were sending a check overnight. This has created a problem for us because we can not deposit the check and we need the money. It can take weeks to open this kind of account and we needed the money now, not one month from now. This was incredibly disruptive to my business and it would seem unjust to me given all the facts and circumstances. Can you help in some way?
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My husband and I applied for a mortgage loan with Wells Fargo, were approved for a determined amount and were advised of a monthly payment based on that amount. I inquired about whether or not the monthly payment was accurate because it seemed too low, and was advised via email and via telephone that the monthly payment was accurate. We built our house with that understanding but once complete and we were to sign paperwork for our mortgage loan, we were told they miscalculated our monthly payment and it would actually be {$300.00} higher than what we were quoted.
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 - {$140000.00}, XXXXXXXX XXXX XXXX- {$130000.00} Child Support Services XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) 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.

15 U.S. Code 1681 to ( 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.
Product: Debt collection

I am the middle of a financial transaction ( buying and selling a house ) But 3 days before my closing a collection account was enter to my credit report. But that collection was already paid 3 years ago. 

This information create a chaos, since they are reporting a high balance, XXXX got my money long time before I was even in collection
Product: Credit reporting or other personal consumer reports

TransUnion rep XXXX wouldn't allow me to dispute unauthorized inquiries on my transunion credit report. Told me I had to file XXXX report on the accounts. I told him I did not and don't need to. I made XXXX aware that according to the FCRA, legally these unverified and unauthorized items must be removed. He said he couldn't and we got off the phone without resolving my issues of my credit report. The following item are these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo refinanced our home after miscommunicating about options related to repayment. They gave us no clear indications about repayment after a brief payment pause period due to health-related issues. During this time, we expressed a desire to pause our payments with Wells Fargo. They obliged and gave verbal advise that we could add these payments at the end of the loan. After the pause, they said that was no longer an option and gave options like refinancing, paying several payments at once or foreclosing the loan. We opted for refinance with little to no information on related fees.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the repeated attempts I have made to have a charge-off account removed from my credit report. Despite my persistent efforts, this charge-off account continues to negatively impact my creditworthiness. I am writing this letter to bring this matter to your attention and request an immediate resolution. 
I am fully aware of the importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The continued presence of this incorrect charge-off account on my credit report has caused significant financial harm, making it challenging for me to secure credit, loans, and other financial transactions. 

I kindly request that your bureau takes immediate and thorough action to investigate and remove the inaccurate charge-off account mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is crucial for me to understand when the issue will be resolved. 

Should this charge-off account persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {XXXX}.