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

Between XXXX and XXXX of this year, I was hospitalized with a severe and challenging XXXX XXXX. During my hospitalization, several fraudulent charges were made on my Apple Card account. I promptly disputed these charges. However, this dispute led to my account being locked by Apple Card and Goldman Sachs to the extent that I could not access information about the disputed transactions or any resolutions. 

While still recovering, I discovered on XX/XX/XXXX that derogatory remarks had been added to my credit report, which directly impacted my ability to secure a loan for a new car. This has been especially problematic as my current vehicle is a lemon and requires replacement. Upon further investigation, it became apparent that the derogatory remarks resulted from an unresolved fraudulent transaction dispute, which was overlooked by the dispute resolution team at Apple Card and Goldman Sachs. 

Despite the circumstances, I am now being held accountable for this oversight. I am requesting the immediate removal of the derogatory remarks from my credit report. These remarks are unjustified, caused by a lapse in the dispute resolution process, and have caused undue hardship. I look forward to your prompt resolution of this matter.
Product: Credit reporting or other personal consumer reports

Debt Validation : Request a validation of the debt, Provide wet signature documents
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a XXXX XXXX XXXX  and I kept requesting for a XXXX and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my XXXX credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that XXXX had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted XXXX customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both XXXX and Transunion have refused to delete the late from my record.
Product: Mortgage

We purchased a home and closed in XXXX 2016. Our lender had an appraisal done on XXXX/XXXX/16. Our lender was Crosscountry Mortgage Inc. We knew going in that we could only put down XXXX % but as soon as we sold our other home we would put down another XXXX % to remove PMI. We were ready to do that within 1 month of our purchase ; however, Crosscountry sold our mortgage to XXXX and their " guidelines '' state that they " may '' request another appraisal. Since we just had an appraisal we thought common sense would indicate that our original appraisal would be sufficient and that was our understanding going into the process. Now our servicer ( Crosscountry ) is stating that XXXX wants another appraisal and there is nothing that they can do. I call XXXX and they blame it on Crosscountry. We are stuck in the middle. Crosscountry says it 's out of their hands. XXXX says if anything can happen Crosscountry would have to escalate it. We are left with no one to help us. This is despicable. I ca n't believe big banks and large companies can take advantage of consumers like this and then pretend like there 's nothing that they can do. Rather than attempt to help each company just blames it on the other. The last rep I spoke to with XXXX ( XXXX ) just read me their guidelines and kept saying " if it 's in the guidelines ... .if it 's in the guidelines. '' I guess the guidelines mean that common sense is out the window.
Product: Credit reporting or other personal consumer reports

So I have a medical debt that I believe has been paid so I have been disputing this debt everytime it comes up on my credit report and it usually gets removed from my report then it always comes back through a different collection agency. This time when I disputed it they now have this debt on my credit report in collections as if it is two separate debts. The original debt was XXXX XXXX XXXX. They have reported on my credit as collection XXXX XXXX XXXX, Wakefield and Associates and XXXX XXXX XXXX. They now have it on my credit report as XXXX XXXX XXXX reporting collections for XXXX XXXX XXXX and Wakefield and Associates reporting collections for XXXX XXXX XXXX. XXXX XXXX XXXX at one point was collecting the the XXXX XXXX XXXX. So I'm saying that XXXX XXXX XXXX and Wakefield and Associates are reporting the same debts. I personally believe the debt they are both reporting was paid off by XXXX XXXX XXXX. I believe this debt should not be on my credit report at all let alone on there twice by two different debt collectors.
Product: Credit reporting or other personal consumer reports

Lenders changed and I was never notified of the new lender being XXXX  XXXX XXXX I sent my payment on time but they reported me late in XXXX, 2024 I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.
Product: Debt collection

Sunrise Credit services is trying to collect {$5600.00} for a XXXX XXXX XXXX account, thats unheard off. I haven't been with XXXX XXXX XXXX in years. I never received the devices I were supposed to get. I have plenty of documents supporting this. Remove Please
Product: Credit reporting

Last week I called my local XXXX XXXX XXXX landline phone and internet provider to ask if it was possible to have an additional phone line installed at my residence in order to get additional internet service for my grown son. Without ever answering my question or asking or notifying me, the agent ran a hard credit inquiry on my credit that I discovered on XXXX XXXX, 2015, which had taken place on XXXX XXXX, 2015 ( Equifax ). I called XXXX on XXXX XXXX, 2015 and asked them to remove it because I did not authorize it, but they refused. The agent said I would need to contact the credit reporting company for that. I contacted Equifax and the agent said I would have to contact XXXX XXXX XXXX and ask them to submit a request for removal. I called XXXX back with the information I had learned and after hours of being transferred, hung up on and speaking with the various unhelpful agents, no one did anything to help me. I urged the last agent to listen to the recording to prove that I did not authorize the inquiry. She said XXXX XXXX XXXX would call me back that same evening. No one called back. I spent over four hours trying to resolve this with XXXX XXXX XXXX yesterday and I really need your help, as no one seems to care enough to do something about this but me.
Product: Mortgage

The company, Shellpoint, a division of Newrex, with a mailing address of XXXX XXXX XXXX, XXXX, TX XXXX and a phone number of : XXXX has forced us to escrow hazard insurance for 18 months at a monthly payment rate of {$110.00} while we have always maintained our own hazard insurance through XXXX XXXX on this mortgage, from the time we originated the mortgage on XX/XX/XXXX. 
We have sent numerous documentation showing our insurance coverage, letters regarding this issue- since we waived an escrow account, e-mailed the company proof of insurance to : XXXX, called and explained our situation a number of times, had our XXXX XXXX XXXX, XXXX XXXX contact them and email our payment history, etc. and declaration page, etc., without any resolution or reimbursement of the funds totaling {$2100.00} for the hazard insurance, that they have extorted from us for 18 months, as well as late fees of @ {$270.00} when we didnt pay the escrow account for approximately 4 months because as I said we had our own insurance. 
We also sent a letter with our documentation to Shellpoint Mortgage Servicing at XXXX XXXX XXXX, XXXX, SC XXXX where it states on the payment coupon to send correspondence for Notice of Errors in XX/XX/XXXX, and XX/XX/XXXX with no response. They substantially damaged my credit by posting late payments for the 4 months we didnt pay the hazard insurance, even though we have always made the mortgage payment on time. The lower credit score caused us to be unable to get a loan in XXXX, XXXX, for a primary residence we were hoping to purchase. My credit had been excellent prior to this and in 35 years of home ownership, I have never had a late payment in a mortgage. I have accrued additional interest on our mortgage that needs to be removed as well. On XX/XX/XXXX, I also emailed documentation to Shellpoint after speaking to their representative, XXXX XXXX. This whole issue has cost us a large loss of time, money and the purchase of a primary residence, and we have had to rent causing us an additional loss of equity in a home as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am perplexed as to why receivables performance remains on my credit report after I have asked for a validation of this account. There is/was never a contract with the original creditor XXXX, I see a balance reporting of {$110.00}. What are the steps taken to validate this account as mine? 


Receivables performance did advise of a prorated amount and XXXX advised they don't require contracts if it isn't a business. However, that is not acceptable as I am advising this is not my account. This has become a direct violation of FDCPA and if not resolved immediately I will further my reporting.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report according to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, 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. 
Equifax, XXXX, XXXX are all consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 
The following financial institutions ; ACCOUNT NAME XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ; A financial institution by definition under that title 15 USC 1681 Section 604a Section 2 states In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
These companies listed above, and XXXX, Equifax, and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

These companies listed above never informed me of my right to exercise my nondisclosure option.

15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agencies 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. These accounts are adverse items they are reporting again without my permission which is against the law.

15 USC 1681 2 ( a ) ( 1 ) states 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 USC 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. 
Equifax, XXXX, XXXX and these companies listed above are not maintain reasonable procedures. Also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I also request that the inaccurate information be updated immediately. I also request that an updated report be made available to or mailed to the address attached.
Product: Credit reporting 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 XXXX  XXXX Account Name : 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: Credit reporting or other personal consumer reports

I recently pulled my credit report in which I saw an inquiry that was not authorized and I had no idea that a hard pull was done which is currently a # ecting my chances of employment along with a place to live. I did not consent to a hard pull or any pull. Please remove this inquiry immediately.
Product: Credit reporting or other personal consumer reports

I have filed complaintes against equifax many times with yall on XXXX and they come back saying iquiries are accurate and the collections are accurate and the 3 closed accounts are accurate XXXX, XXXXXXXX XXXX, and XXXX XXXX. I called XXXX XXXX told them this isnt mine, i called XXXX they said they were removing these as well and they havent heard from any credit reporting cmpany so they lie, I have also sent them the fdic theft report with a letter and my drivers license still not removed
Product: Bank account or service

I am writing to inform you of recent fraud that had occurred on my business and personal accounts. On Monday XX/XX/2017 I was called and alerted to fraud on my business account ; at the time there were XXXX charges in question, amounting to roughly {$1000.00}. I had asked the chase fraud agent at the time to cancel this card and XXXX of my other credit cards that were seemingly missing. But somehow the person committing the fraud was still able to rack up an additional {$9000.00} in charges after my business partner and I had canceled the card with them. And additionally made charges on my personal accounts which I had to call back and dispute later. 

The question at hand is how were they able to charge and additional {$9000.00} when the account was told to be closed. Secondly I was advised by the first Chase Bank agent that the money would be back in my account within 12 hours. Earlier this morning when speaking with a supervisor I was told that it may take up to 48 hours. And then later upon speaking with a Manager I was informed it may take up to 10 days. All of which are completely unacceptable as the fraud should have never increased from the original XXXX charges. 

We eventually recieved our money just to have it withdrawn by Chase Bank again two weeks later. when asked the reason for taking the money out they told us " it was do to account activity after the said issue '' .. we explained we still have other cards with different numbers that were not affected by the fraud and that should have no bearing as the card was cancled, not the account. 

I have written multiple emails and may business partner has been calling multiple times without and response or help. By phone we just keep getting told its in legal and that there is no one to talk to. I could maybe understand wanted to still investigate the first 3 charges, but the charges that occurred after we had both spoken to a representative and canceled the card is absolutely ridiculous. How are we responsible for banking negligence? 

I am a XXXX with several business accounts and personal accounts. I am reliant on that money to pay employees, rent and vendors. I know Chase Bank has always been a strong supporter of XXXX banking but their seems to be something seriously wrong with this process. Should I inform my employees that there will be no pay checks this week because someone did n't stop the fraud on time? 

best
Product: Debt collection

BARCLAYS BANK DELAWA, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

For the XXXX time today another lying email about disputes ready to view when there never available to view, scam scam scam scam scam
Product: Student loan

I am a participant in the Public Service Loan Forgiveness Program and my federal direct loans are serviced through myfedloan.org. MyFedLoan.org is currently distributing faulty information about the CARES Act and how borrowers can receive qualifying payments through the recently passed forbearance period recently passed by Congress. I have tried contacting them with no response received.

This is what their website currently states : " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan The time spent on the emergency administrative forbearance will not count toward your required payment count. '' This is incorrect according to multiple sources and the Consumer Financial Protection Bureau Website. The website upon which that information is housed is here : https : //myfedloan.org/borrowers/covid
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of the following item ( s ) into my credit report : XXXX  XXXX Original Removal Date ( XXXX XXXX ) Under Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to notify the consumer within five business days if any previously deleted information is reinserted into their credit report. XXXX XXXX has stated this account is not being reported to any credit agencies i will attach letter stating the facts. However I did not receive any such notification regarding the reinsertion of this information from Experian. Furthermore, the reinsertion of this account ( s ) may violate the provisions of the FCRA, as the credit bureau must verify and certify the accuracy of the information before it is reintroduced into a consumers credit report. I request that you Immediately investigate and provide the required certification of accuracy for this reinsertion, Remove the reintegrated item ( s ) if certification can not be provided, Provide a detailed explanation of your findings in writing, along with any supporting documentation. Please note that this letter is a formal dispute under the FCRA, and I expect your response within the legally required timeframe of 30 days. Failure to comply with this request may result in further action. I want to acknowledge Experian have stated in my previous dispute whereas this account ( XXXX  XXXX ) was deleted it states We have researched the credit account and the item has been deleted from the credit file. To better assist me with understanding the results of my dispute please review information below if item states deleted, we have removed it from your credit report and taken steps so it does not reappear what steps have youll taken? Because it has reappeared, what methods are Experian using? To my knowledge this explains accuracy to the current lawsuit with the CFPB due to Experian ignoring consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate consumer credit scores. I have attached a copy of page 3 of 14 of my credit report from Experian with the disputed item ( s ), along with a copy of my identification and copy of social security for verification purposes. I am requesting that this account be deleted and does not reappear also an updated credit report be sent to me immediately. I hope you take this matter seriously thank you for your attention to this matter. XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I received my XXXX XXXX report in the mail, it was clear to see the envelop had been opened! Therefore, someone was able to access and steal my detailed credit report information. The credit report is not actually in the envelop. Inside the envelop is a letter that specifies 1 ) The URL to access, 2 ) Special access code to enter, which is valid for 30 days. Bottom line is that the US Postal service is not a secure method for delivering this information, and now my detailed credit information has been stolen.