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

ON XX/XX/XXXX I CALLED XXXX AN REPORTED THAT MY XXXXXXXX LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. Equifax reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and subsequent identity theft. I am requesting immediate action to block and delete the fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. TN Child Sup o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of the recent data breach and to formally request the blocking and deletion of all accounts listed were affected by this breach, pursuant to 15 U.S.C. 1681c-2 ( a ), under the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft resulting from this breach, I am exercising my right to request the immediate deletion and blocking of any compromised accounts from my credit report. These accounts should be removed as a result of the breach, and any information related to them should no longer appear on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

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

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some serious issues with Experian Credit reporting. The two other agencies XXXX XXXX and XXXX have data about  my credit score, however for some reason Experian keep saying that I do not have enough credit history, and due to this I keep getting denied whenever I apply for credit cards. This is unfair to me and must be rectify. I did put a freeze on Experian due to some issue with falsification. When that freeze was in place I was able to have success with XXXX and XXXX XXXX. I was able to get back on board and I was doing very well with creditors such as my banks. As a matter of fact my issues were fixed. Now apparently any new credit check goes directly to Experian and I am getting denied all the time. This is a concern because I have young children to assist with schooling and without getting any approval will make things very complicated. Please look into this for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to lease a XXXX XXXX XXXX hybrid til XX/XX/XXXX this year. It was a 3 year lease. I have never missed a payment. Their website has a auto pay feature, I had enrolled in it for payment. Payment use to vary slightly every month. 
This varying payment is controlled by them. Once fine day, there was a 'payment delinquent ' report issue by toyota on my credit file due to a {$99.00} shortage over a period of 4 months. I informed them about the whoe issue and got them to fix my credit. 

After few months, again in XX/XX/2019 they had sent some confusing statements and shwoing that I am $ XXXX/XXXX short. I called up their call center thrice. Everytime i was told to ignore this letter and my account is settled and this was a mistake. I see that my account is again marked delinquent for payment for that month in my credit file. They constantly abuse customers credit. 

I have wrote to them many time on their twitter suport, emailed them, called them, they dont seem to be fixing this. Now it is affecting my mortgage rates. Shouldnt they be paying me for the mortgage rate loss due to their mistake?
Product: Credit reporting or other personal consumer reports

account name : missionlntab account # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate XXXX no payment history ( transunion only ) these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting XXXX are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau imposs the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.
Product: Consumer Loan

For the past several months, I have been getting AUTOMATICALLY locked out of my Wells Fargo Dealer Services Auto Loan account. This is despite not even attempting to log on. I have signed up for online services only ( ie paperless ), so without online access, I can not pay my loan. The scenario is as follows : I attempt to log on, it tells me I am locked out. I change my password and am given access. I view my account and log off. The following day, I receive a message from WFDS that I am again locked out ( which I am. ) These messages have been coming for several months. I have called customer service 4x and have been given various explanations, none of which make sense : " you do n't know your password, '' " you are cutting and pasting the temporary password '', " you 're not logging off properly '', etc. Each time I have called, I have been promised follow up, and have received none. 

Finally, on XXXX/XXXX/2016 I called and was connected with the Office of the President. I spoke with XXXX, employee # XXXX and explained my entire situation to him. He told me that he would call me on XXXX/XXXX/2016 to follow up, but has not. The case number is XXXX. 

I have extensive documentation ( ie 100+ emails ) supporting my claim. I am unable to pay my car loan because of this issue with WFDS. I am concerned that my credit will become adversely affected if I am not given proper access to my account. I am reporting this issue to XXXX XXXX as well. 

I am attaching multiple attachments. This is NOT an exhaustive list of all the emails that I have received from WFDS ; it is only a sampling and I began receiving these daily emails months ago. Also note that I was NOT being locked out of my account because of failed log-in attempts - these lockouts were automatic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my CBR after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not. 

I need help resolving this so I can get my fico score back up. 

Company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Mortgage

Loan has been transferred several times after a modification was approved by XXXX XXXX in XX/XX/XXXX. With a first payment to be due XX/XX/XXXX. Then the loan was transferred to XXXX XXXX. they said to continue to make modification payments but they hadn't set it up and stated that I hadn't sent my trail paperwork back on time which was not true as I have fax transmissions to show that I sent the documentation. A representative was advised of this and states that the fax transmission was not proof that I sent the documentation but that's how they asked for the documentation to be sent. Shortly after this my loan was transferred again to Midland Mortgage. Midland Mortgage  says that XXXX XXXX didn't send over all proper paperwork and are waiting on a title clear and that's what was holding Midland Mortgage up from sending the paperwork for the loan modification. I am now facing foreclosure on XX/XX/XXXX as nothing has been done and it seems that I am getting the run around with no assistance.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions and XXXX XXXX XXXX XXXX received My FTC Report and other documents regarding my Consumer Report. But also this is not only my first time but at least 3rd time reaching out to them regarding the information on my credit report. They had 10 Calendar days to remove this information this time around after giving them multiple inquires about the information on several occasions with nothing done. 

TransUnion Consumer Solutions : XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX, balance {$4500.00} - XXXX XXXX, balance {$3500.00} - XXXX XXXX, Balance {$0.00} - XX/XX/XXXX And also from XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, Balance {$250.00} - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX, balance {$0.00} - XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX was charged off on the following date : XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX Account Number : ending on XXXX Also this account was deleted from XXXX on XXXX i have letter proof open attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX on my XXXX/XXXX/experian report a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XXXX/XXXX/experian to show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Product: Mortgage

I am in a current dissolution from an XXXX  man who is on the deed to my home, but not the note. I have a XXXX order against him. 
In XX/XX/2022 I entered forebearance, and was promised by Freedom Mortgage, my lender, that I did not have to make payments for now. In XX/XX/2022, Freedom Mortgage said I needed to remod my loan or they would foreclose. I agreed and started the process. 
My separated spouse refused to sign the documents and the remod expired and was reinitiated. He refused again, and I retained counsel which cost me {$5000.00} in lawyer fees to obtain an order compelling my separated spouse to sign the papers. The papers were signed in open court in front of a Judge, a notary, XXXX witnesses, my separated spouse and myself. The papers were sent to Freedom Mortgage. 
Freedom Mortgage rejected the papers, stating that the witnesses did not date their signatures. All parties present bore witness to the fact that they DID date their signatures. Freedom refused to provide evidence until XXXX phone calls later, they finally cooperated. Somehow, the witness signatures were missing dates- we all firmly believe the documents were fraudulently altered by Freedom. Now, Freedom is threatening foreclosure again. They sent a second set of documents demanding I sign them, however, my set of signed papers were accepted in XX/XX/2022. My separated spouse 's papers are the ones rejected by Freedom ( the fraudulently altered set. ) Per the new FHA HUD guidelines, Freedom was required to consider excluding my separated spouse 's signatures due to XXXX  XXXX. They refused to consider and refused to explain their decision. They continue to do so. I have been paying my mortgage, and living under their threat of foreclosure despite my full cooperation. I am a single mother, and run my business off my property. I need help facing this massive criminal entity. I contribute to the local economy, provide jobs, and my property has won the XXXX XXXX XXXX XXXX for my dedication to conservation through my nursery business on the property. I need help please!
Product: Credit card or prepaid card

To Whomever This May Concern : My name is XXXX XXXX and I applied for an Amazon.com Commercial Account Paid in full via my online Business Account of XXXX XXXX XXXX XXXX   through Synchrony Bank.

The first application XXXX was denied stating that they were unable to verify my business name. I feel like someone in their underwriting department didn't properly research my business. If they had, they would have been able to verify that my Business is a legitimate business listed in the secretary of state of ga website, that I have a tax id number and valid accounts. 

I applied again, application ID is XXXX, and I was sent to another verification team at XXXX. She verified my information. She verbally told me that she was able to verify my business and that again, it had to go to another team. I called on XX/XX/XXXX around XXXX EST. I advised her that I would be filing a complaint because I do feel that Synchrony Bank has been discriminating against me, so I want this on record. 

With this complaint, I have included my Articles of Incorporation, My EIN letter from the IRS. My agency has been in existence since XXXX. I did finally incorporate last year. I also have a business checking account through XXXX XXXX XXXX. 

I can be reached at XXXX if someone would like to discuss this with me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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

On XX/XX/XXXX I pulled my consumer report and noticed erroneous errors; including but not limited to my address. 

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. 
How did Experian validate that these non-mailable addresses belong to me? What proof does Experian have that these address belong to me? Experian, please provide the proof to me via sending the validation documents to my certified address referenced below. 

The referenced non-mailable addresses below, do not belong to me, I do not recognize, are non-mailable addresses, and I am unable to receive mail at these addresses. 

Furthermore I am informing Experian of this error and would like for the error to be corrected. Thank you for your attention to this urgent matter. 


I only have one certified mailable address that belongs to me, and that I may receive mail to. The certified-mailable address that belongs to me is : Certified Mailable Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed Proof of Identity : 1 ) Photo identification/Drivers License 2 ) Bank Statement Respectfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a VanillaVisa Gift Card from XXXX in XXXX with a face value of {$100.00}. I gave the card box to my mother on XX/XX/XXXX and we inputted the card number ( XXXX XXXX XXXX ) on VanillaGift.com and it came up " invalid. '' We called XXXX ( number on back of the card ) and reported the problem and were given claim # XXXX. The representative from the call center told us she would send us a dispute form and alleged that the funds on the card were dissipated and there was a balance of XXXX on the card. We could not understand how that could happen since the card was in its paper box until minutes before we tried to check the balance and it was alleged to be Invalid. Therefore we went back to XXXX where the card was purchased and was given Claim No. XXXX. We requested a refund since the card was invalid on purchase. On XX/XX/XXXX XXXX stated it could not provide assistance with the Visa Vanilla gift card it sold to me and directed that we contact Vanilla Visa. I completed the dispute form, attached copy of receipt, gift box and card and emailed it to XXXX on XX/XX/XXXX. Since then, I have not been contacted by anyone from Incomm and have had difficulty getting through to an agent at Incomm or anyone from Vanilla Visa to discuss the dispute. In fact, on XX/XX/XXXX, my calls to Incomm ( XXXX ) were dropped five separate time after going through the phone menu, just after I was told I am being connected to customer service. I finally got through to a representative on XX/XX/XXXX and was told my case was closed. When I pressed the agent for a supervisor to speak to, she said that there was no one from " our back end office '' and that Incomm is a call center that is in the XXXX with thousands of representatives. The representative put me on hold for several minutes and came back and said my dispute is still being " investigated '' and that I have to wait 45-90 days before an investigation is concluded. She explained that there are " thousands '' of claims like mine and that I had to be patient. I asked who was performing the investigation and she said their Incomm office in Georgia. She could not provide me with a phone number of anyone I could contact in the Incomm Georgia office or from Vanilla Visa to discuss my dispute. The VanillaGift card states on the reverse side that for customer service, refunds, go to Vanillagift.come but when you go to that web site there is nothing that allows you to submit request for reimbursement. If you have a dispute, the only recourse that is provided is to contact the Incomm call center in the XXXX and get the run around. 
It appears that the VanillaVisa is selling unauthorized Vanilla Visa cards and making the dispute process so onerous that most people just give up or don't bother to pursue their reimbursement and if they do, Vanilla Visa profits from the funds during the long period of dispute. This sounds like a real fraudulent scheme that should be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and Transunion. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a XXXX.