23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Long story short, we had our original mortgage with XXXX with a balloon loan that had matured and XXXX would not refinance. They tried to foreclose, so we filed chpt XXXX on the entirety of the balloon balance in XXXX we paid off the XXXX never missed a payment and was discharged completely in XXXX. XXXX XXXX we get a bill from XXXX saying we still owe XXXX. We hire a lawyer and takes a year but XXXX admits their wrongdoing and releases the deed to us. However, in the meantime, they had sold the loan to BSI financial in FL. These people will not deal with us on this matter. We fulfilled our obligation to XXXX mortgage and BSI should never have been involved, but they are because of XXXX. They are now every month filing us late payment on our credit report on a loan that is fraudulent and we do not owe. They are killing our credit rating and they are doing it on purpose, they have all the necessary documentation that shows XXXX was at fault and not us. They are punishing the wrong recipient. I have talked to reps at BSI before and been told they were looking into it, we know what that means, but now they have refused to even speak to us. I will have to pay a lawyer again for something that is not my fault. BSI are blood suckers and are breaking the law by trying to collect a debt that was covered and paid in a chpt. XXXX trying to refinance home improvement loan and ca n't be touched all because of BSI whom we do n't owe a penny to, never did and never will. They went so far as to change our address on our credit report to our lawyer 's address ... how can they do that and how can that be legal. This should have all been resolved in XXXX and still dealing with it 3 years later. This is fraudulent, illegal, and just plain wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : XXXX XXXX Department XXXX Ive just reviewed my credit report and noticed the following inaccurate item XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company and my self are in a breached contract the contract I signed with XXXX XXXX XXXX XXXX XXXX in 2019 Pac Auto Finance is not mentioned in the contract not one time so the contract is fraudulent and the manipulation of my security is security fraud, the IRS sent this company a letter demanding them to file out the tax forms 1099A and 1099C because in 5 years they havent filed no taxes on the XXXX they received on the signing date and when I call about the information I needed they refuse to tell me the answers which is another violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.
Product: Debt collection

Shortly after XX/XX/XXXX, I received a notice from Phoenix Financial Services about a medical debt from XXXX. I knew the debt was not mine. I called and tried to tell them that it was not mine. They were brief and said they could only send me a record of the debt. Their statement requested {$2100.00}. I told them they had the wrong person and to not contact me again. 

Two weeks late, I received a breakdown of the debt. It was a medical bill from XX/XX/XXXX. It was not mine. They listed my name, but had an address that I never lived at, a birthdate that was not mine, a phone number that was not mine, and insurance information that was not mine. Clearly, they have the wrong person. 

Today, I called them again to tell them to leave me alone and that they had the wrong person. I spoke with a supervisor, who insisted that I provide my actual date of birth and my social security number. I refused and said do not contact me again. She made no effort to resolve the fact that they had the wrong person. 

Also, their license number application is pending in the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAntander USA has inaccurately reported information on my credit report for account information that I have no knowledge of. Per 15 U.S code 1692f, The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Santander is reporting information that is a direct violation of the law. I was not properly notified of ANY balances with Santander or the reporting ofany items. Additionally, I am a victim of predatory car loan lending for subprime consumers. Santander violated consumer protection laws by exposing subprime consumers by knowingly and intentionally financing auto loans with a high probability of default, charged excessive fees that were not detailed in the note and charged for payments and violated. Santander is obligated to provide detailed information regarding any negative accounts before reporting which they failed to do. Santander has failed to my request regarding documented proof that I was notified of any remaining balances or a charge off. This debt does NOT belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, leaving me susceptible to scams.
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. 

Account Name : XXXX XXXX  /Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : US Dept ED / Account Number : XXXX Account Name : XXXX  XXXX / Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Public Record : XXXX XXXX  Bankruptcy / Refence Number : XXXX The accounts and public record listed above 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

I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report
Product: Credit card or prepaid card

On XXXX XXXX I logged in to my BOA account to view my min pmt due XXXX credit card. It showed a minimum payment due on XXXX of {$82.00}. I transferred {$100.00} via BOA XXXX from my checking to my credit card with BOA and and the payment cleared on the XXXX of XXXX. However, the XXXX was not applied to the minimum payment due. I called on the XXXX of XXXX and spoke with a XXXX and the XXXX and she stated that she would reverse the {$100.00} to my checking account and so that I could submit the payment. She stated it would take 10 days. I allow XXXX to pass and followed up today and the fund were not reversed. XXXX stated that it could take another XXXX if he submit a reversal request but by then it would hit my credit. I had to pay an additional {$82.00} on top of the {$100.00} that I had paid to keep from my credit being affected which isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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 XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit report, and this account XXXX XXXX XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! 

You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you send that over? And Id like to see proof that I owe {$1000.00}, because I dont owe it.

Just so you know, Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) says if you cant verify something, it has to be removed. I look forward to you fixing this! 

This has been a recurring issue where FRAUDULENT reporting is continually being posted onto my report. I fear that the next step is to attain an attorney. As of XX/XX/XXXX, my report went from : XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$1000.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- TO : XXXX XXXX XXXX  XXXX Original Creditor : - Company Sold : - Account Type : Credit card Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Credit Usage : 146 % Balance : {$1000.00} Balance Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Credit Limit : $ 700 Monthly Payment : - Past Due Amount : {$1000.00} Highest Balance : {$1000.00} Terms : - Responsibility : Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$140000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to Experian and uploaded documents to show that I paid every month of the disputes items.

Experian came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the Experian website. 

The name of my mortgage company is XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT XXXX
Product: Debt collection

XXXX from XXXX XXXX XXXX XXXX ( XXXX ) XXXX  IL XXXX   called me on XXXX2018 claiming there was a parking ticket for an address I haven't lived at for years.

I told him I never received a parking ticket, and he told me he was reporting me as refusal to pay and hung up. I called back hoping to get some proof of the debt but he refused and hung up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$210.00}
Product: Credit card

I obtained a credit card from Citibank last summer and was approved for {$1800.00} and I added my son XXXX XXXX as an authorized user. 

He used the card as a deposit for a car rental but he used his own bank card when he returned the car a week later. XXXX stated that the deposit/hold on the Citibank card would fall off after a few days which it did. But they then charged {$1200.00} to the Citibank credit card which we never authorized. Not only that, we didnt even have the available credit of {$1200.00} on the Citibank credit card the day the charge posted. So Citibank approved something unauthorized and also put us over the credit limit of {$1800.00}. 

We contacted XXXX and they sent us in circles. So we decided to file a dispute. We filed the dispute back in XXXX and have sent numerous emails, have spent countless hours calling them, and they have even hung up on us after being transferred from XXXX department to another with no resolve. 

This has decreased my credit score by more than XXXX points. We dont know what to do anymore and for this reason is why we are filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter to Transunion concerning the validation of several inaccurate and unverifiable accounts. They failed to act and respond to my dispute. I demand proof of how they were able to verify or show me their investigation. I am seeking litigation and i would would like those unverifiable, inaccurate, obsolete accounts remove my credit report.
Product: Credit reporting or other personal consumer reports

XXXX continues to report an account to my credit profile after my identity theft report and police report was sent to them to remove said account # XXXX The account is still reporting on my credit report and causing me financial difficulties to obtain new credit for my personal and business gains. Account was removed then reappeared on my credit profile again.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 a friend of mine sent me some money he owed me through venmo. I transfered that money out and my account got suspended. On XXXX/XXXX/2024 I received an email from venmo asking me to provide proof of who I am with photos and proof of photo ID. I provided this. On XX/XX/scrub>/2024 I received another email stating that they still banned my account. Since then, I have been asking why exactly my account was banned. Venmo has told me multiple times that they " don't reveal the inner workings of their banning process ''. This is not the first complaint along these lines that have been sent to the CFPB involving this exact situation. Something seriously needs to be done about XXXX vague and non-transparent " process '' that they claim to have and unban any accounts wrongfully banned or at the very least highlight exactly what they ban accounts for.
Product: Student loan

My account is in a forbearance status yet my credit score dropped XXXX points last month Because the balance went up on my navient loans! Its no way that interest in one month is XXXX. A
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

As of XX/XX/XXXX or {$260000.00} of a {$340000.00} original home value or XXXX % XXXX of original home value ( referred to as XXXX hereafter ) ), I am currently getting assessed PMI despite several requests to remove and WF changing the target XXXX multiple times due to " XXXX XXXX policies that they can not assist with ''. 

Around XX/XX/XXXX, I was reassured that my PMI would be cancelled effective XX/XX/XXXX payment and the bill that had dropped confirmed that, coupled with issuing a check for XXXX PMI payment that was billed in contradiction of the letter I received ( advising I must meet a XXXX % XXXX to remove PMI ). On XX/XX/XXXX, my bill was re-invoiced and had PMI assessed for which I paid on XXXX. 

The paperwork, verbal discussions continue to contradict the respective communications and now it appears the system overrides and assesses PMI in spite of meeting al PMI requirements. 

Please note the home was purchased XXXX years ago and is well below the XXXX  % PMI that was agreed to in the original contracts, the subsequent targets of XXXX  % XXXX XXXX and all new home appraisals are required to be funded by homeowner with no new appraisal from PMI company ( XXXX XXXX ) or servicing company ( Wells Fargo ). 

This is the same issue that the other CFPB complaint under my profile is about. It has not resolved.
Product: Debt collection

They have called me several times. I spoke to a collector to try to resolve a Capital One secured credit card, a credit card I maybe only charge {$50.00} on and they took my {$300.00} as collateral, charged me a {$49.00} fee to set up and now want to charge me another {$240.00} on top of that. 

The collector at XXXX XXXX was being abusive and putting me down demanding payment. Its hard enough to try to pay things back after losing my job years ago but to have someone raise their voice, put me down, demand payment and threaten me is very demoralizing. Please help and stop these type of organizations from doing this to people. Its wrong. 

I've have massive amounts of calls regarding this debt and have more than paid for it over and over. I just can't handle the calls, threats, and continuing increasing of debt.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the immediate update of a late payment on my credit report. The delayed payment status is inaccurately reflecting my financial history and is having adverse effects on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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 reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX