23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : 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: Mortgage

i am currently in bankruptcy chapter XXXX awaiting discharge. The company Bayview Loan servicing acquired my account at the same time the bankruptcy final payment was made. They have been holding up this process for 11 months with no explanation. Every time they continue the case in court, I 'm required to continue to pay the higher mortgage cost due to an escrow shortage which was paid completely months ago. Since then, they have continued the case every month. They now are claiming i have a escrow shortage of {$460.00} however, I 've made XXXX payments ( {$430.00} toward escrow/mo ) since the original escrow from last year was paid off and they have not applied any of those payments to the current escrow analysis. Once I 've provided docs proving i do n't owe them anything, they then claim i owe them 3 month payments of XX/XX/2014 which i have also provided them and their attorney with the check copies. They have been bouncing back and forth between the escrow shortage and the XXXX payments. I have made every single payment and paid off the previous escrow shortage. i feel they are prolonging this on purpose to get an additional {$270.00} roughly from me every month. i do NOT owe this company any money. They have continued XXXX court hearings and can not provide me with proof that i owe them while i have been the XXXX to provide all the documents proving my side. i want my account adjusted properly and any overage be applied to the principal.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. Inquiry listed below. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting or other personal consumer reports

There were errors found on my credit report that I personally Disputed due to the inaccurate information listed on or around XXXX XXXX 2024 with Experian. Experian failed to properly investigate this inaccurate information and their result was verified and updated dated which is a direct violation to me as a consumer. 
Reporting in question : XXXX XXXX XXXX XXXX Amount : {$2800.00} Under The Fair Credit Reporting Act ( FCRA ) which is the federal law that regulates the collection, dissemination, and use of consumer credit information. 

It is codified in Title 15 of the United States Code, specifically in sections 1681 et seq. ( 15 U.S. Code 1681-1681x ). 

These sections outline the requirements and protections provided by the FCRA to consumers regarding the accuracy and privacy of their credit information. Violations of the FCRA can result in legal action and penalties against credit bureaus that fail to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled equifax.com in a credit service since XXXX. I kept it paid yearly and renewed in XXXX, I could not use the service after renewal into XXXX and called to resolve this for a month getting answers it would be resolved. They screwed it up when they added myequifax.com and another account was opened. they seemed to have conflicted and they are not resolving it. i could not log in any longer and they could not fix it. recently they poked me yet again telling me they have no email address for me by a post card and I can not get in touch to get this fixed and do not want to spend another month. I can not log in and when retrieving password it says I do not have an account, but when I fill out all my info it says I do and will not send me anything to get it working. I can not get my credit report or the service with them any longer and wasted money in the past. I need their attention that this has not been resolved and I have spent too much time to beg them to get my account in order. The timeline may be off some, but the problem does exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Bureaus acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Dear Sir/Madam, I am writing to express my grave concerns and file a formal complaint against Flagstar Bank regarding the handling of my mortgage. This situation is characterized by egregious actions, mismanagement of crucial documents, including the inappropriate use of a blank instrument in violation of our reinstatement agreement, and the improper initiation of foreclosure proceedings contrary to FHA loan regulations. 

After months of negotiations and being under review by Flagstar Bank, I received a reinstatement agreement in XX/XX/XXXX, which outlined a clear contract aimed at resolving the pending issues with my mortgage. This agreement represented a significant step towards rectifying the prolonged uncertainty and stress caused by the bank 's mismanagement. 

However, the path towards resolution was compromised by several alarming actions by Flagstar Bank : 1. In XX/XX/XXXX, I submitted the required package to Flagstar Bank as part of the reinstatement process. Flagstar Bank acknowledged receipt and completion of these documents in XX/XX/XXXX. 

2. Despite assurances from a supervisor in XX/XX/XXXX that submissions mailed before XX/XX/XXXX would be acknowledged based on the mailing date, I was later informed of issues attributed to the bank 's records department mismanagement. 

3. On XX/XX/XXXX, Flagstar Bank erroneously informed me that my documents had not been received. This was directly contradicted by further communications on XX/XX/XXXX and XXXX, XXXX, which confirmed the receipt of my documents and the processing of a payment made on XX/XX/XXXX. 

4. Most alarmingly, as part of our reinstatement agreement, Flagstar Bank sent me a blank instrument, which was later completed without my consent, listing XXXX XXXX  and another party. This instrument was subsequently utilized as evidence in filing a summons and complaint to assert their purported interest in the property. 

5. Despite my loan being a FHA loan, which necessitates a lender-initiated face-to-face meeting with the borrower before foreclosure, Flagstar Bank has failed to comply with this requirement, opting instead to advance foreclosure proceedings without honoring our prior agreement.

I was never served with any summons and complaints and instead had to find out through mailed advertisements that included an index number. 

These actions by Flagstar Bank not only demonstrate a clear pattern of negligence and bad faith but also likely contravene legal standards and principles governing financial transactions and mortgage agreements. Therefore, I respectfully request that the New York XXXX Department XXXX XXXX XXXX conduct a thorough investigation into these practices and take appropriate action against Flagstar Bank. 

I am prepared to provide any necessary documentation, including the reinstatement agreement, communications with Flagstar Bank, payment confirmations, and other pertinent information to support my claims. Your prompt attention to this matter and intervention would be profoundly appreciated.
Product: Checking or savings account

My husband deposited his paycheck into our joint Bank of America checking on XX/XX/XXXX in the amount of {$450.00} by mobile deposit. 
Bank of America debited our account XXXX XXXX XXXX  claiming a " debit adjustment duplicate item. '' I was on the phone today, XX/XX/XXXX, for 2 hours with BOA, transferred 4 times and they told me someone else " got ahold of the check and cashed/deposited it. '' We shred our checks. 
It was written out to MY husband, no one else. HE endorsed it. 
They will not refund the money nor open a fraud claim for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to all three Credit Bureaus and the XXXX   XXXX and never received any documentation with Validation that this fraudulent credit was mine.
Product: Debt collection

a copmany called Ideal collections has been trying to extort me for XXXX   this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax block the following fraudulent accounts, inquiries, and associated addresses from my consumer credit report. These accounts, inquiries, and addresses are the result of identity theft and fraud. 

As mandated by the FCRA, I expect Equifax to take action within four business days of receiving this complaint. 

The following names have been fraudulently associated with my credit profile and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at nor used the following addresses, and they must be removed from my credit report : XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX The following employers were fraudulently added to my credit report and should be removed : XXXX XXXX XXXX XXXX XXXX I did not authorize the following credit inquiries, which resulted from identity theft. They must be removed from my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts were not opened, made, or initiated by me and must be permanently blocked from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documentation, which has previously resulted in the successful removal of these fraudulent accounts, inquiries, and addresses from other credit bureaus : Illinois State Drivers License Social Security Card FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, XXXX, and experian. 

Attached proof of removals and disputes
Product: Debt collection

On  XXXX   XXXX  I received a debt collection for a debt I do n't not owe for  XXXX  from  Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in  XXXX  and added back on without my knowledge. I disputed this debt with  XXXX  and included receipt from  XXXX  for cable equipment that was given back to them and was picked up by a  XXXX  Technician on  XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 


Delete these fraudulent items.
Product: Student loan

I have five loans with Navient ( formally XXXX XXXX ). I wanted to pay more than the minimum payment and apply it to the loan with the highest interest rate, pay it off first. I was told twice by a customer service representative that I was unable to do so I have to pay the oldest loan first ( which has the lowest interest rate ). I accepted this and moved on. I have been researching recently ways to pay down my debt faster and found that I was given false information from my student loan provider. I have extraordinarily high interest rates on these loans. I am not on a payment plan I pay full principle and interest. I simply need to make progress on these high interest rates. The amount that gets applied to my principle keeps decreasing while interest is increasing. I don't agree with this either. I think my payments are being applied incorrectly. I had a loan for {$1500.00} in XX/XX/XXXX and I still owe {$1100.00} I started paying this ins XX/XX/XXXX. By my calculations, this should be paid off in XX/XX/XXXX, but they are stating XX/XX/XXXX. Something isn't right. I am not making any progress on my payments because of the incorrect allocation of payments and the incorrect information I received. 

Also, my payment per month is steadily increasing as well while I am still paying more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, AL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}
Product: Checking or savings account

I have a Chime checking account. Between the dates of XX/XX/2023 and XX/XX/2023, a total of XXXX fraudulent charges were made on my account. A total of {$530.00} was stolen from my account. I have reached out to Chime multiple times. They opened an investigation and later that same day, already determined that no error was made and no funds will be credited or reimbursed. I called again the next day to explain that its pretty obvious these are fraudulent charges and even the second Chime representative I spoke to that day even said she thought it was obvious by looking at the charges, times, etc that they were fraudulent. She reopened the investigation for me. Later that same day, I received another email from Chime stating that they concluded their investigation and found no error was made and no funds will be credited or reimbursed. Im currently waiting for the documents Chime used to deny my disputes to XXXX in the mail. Once I have that I will be filing a police report along with reaching you CFPB now. It blows my mind that Chime took just mere hours to do a while investigation just to deny me when its very obvious these are fraudulent charges I did not authorize.
Product: Mortgage

We have been asking for a loan modification for years. In particular, we have asked for a lower interest rate ( ours is 6.5 % ), an extension of terms, have provided info regarding why we were struggling. The answer by our loan servicer has always been a repayment plan making the monthly payment even larger. Last offer, that we accepted, was a balloon payment which only brought our account current. Monthly loan payment still exorbitantly high. 

Our servicer, Select Portfolio Servicing, is not customer oriented and really has not offered us any significant relief.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

U.S Bank has taking my money without a trace. I had total of {$280.00} and I did made some purchases some charges being charged all late and over time i check my account is at XXXX and I have not made any additional purchases. It goes days that i dont check my bank account it goes from XXXX to XXXX to XXXX without me noticing. I want a resoulution and get my funds back. I had to take my money out of bank because of the suspicious money of mine disappearing and things are not adding up
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act, has reported incorrect information and inaccuracy in magnitude of credit reports points affected reporting late payment. 

15 U.S.C 1681 section 602 A, states I have right to privacy 15 U.S.C 1666 B, I did not receive a written notice within 21 days of payment 15 U.S.C 6802 B, Inaccuracy in disclosed statements I solemnly, request that my credit report which is adversely affected by the remarks of late payment marks, needs to be removed from my credit account. One of the late payment is reported recently and is affecting XXXX points in one credit account and XXXX points in the other. In addition, there is also a XXXX years old late payment mark, that is incorrect. 

I have made my payments to XXXX XXXX on time since the last 4 years, beginning of XX/XX/year>, the recent miss was absolutely due to miscommunication and technical glitch in setting up the auto payments. 

I have confirmed with the credit agency that the late payment occurred due to technical error in having the automatic payment set up and was not purposeful. Affecting the credit points by XXXX magnitude is totally unfair for the act that was not intentional.
Product: Payday loan, title loan, or personal loan

Lender terms misrepresented and charged excessive amount of interest that was impossible to be repaid. I tried to make a settlement arrangement but they refused and had to incur penalties and fees for terminating bank account to stop the harassing withdrawals. Representative did not accurately explain terms. Disclosures were intentionally confusing and misleading. They have since hired a collection agency who is now attempting to collect the Unfair,  deceptive and abusive terms of the loan.