23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing freeze on my account with Experian. After reading about a potential flaw in their system, I tested their PIN retrieval and was horrified to find out that my PIN can be accessed by anyone. 

On Experians PIN retrieval page, I filled out the form with my name, address, Social Security number and date of birth -- exactly the kind of information that was compromised in the XXXX breach, and thats readily available for sale on the dark web. I entered my email address, answered none of the above to the security questions ( which were NOT the correct answers to those questions ) and my PIN popped right up.
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 U.S.C 1681. 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 section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, I didn't authorize these credit pulls, and these aren't my names listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that i never acquired to get credit with these company 's theses inquires were not authorized by me it was an attempt to commit fraud. 


5inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently ensured that payments on this account were made on time, preventing them from becoming overdue. I'm unsure why there are late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602 a states that I have the right to privacy, 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish my accounts without my written instructions.
Product: Mortgage

Shellpoint Mortgage acquired our fixed rate second mortgage with approximately {$50000.00} payoff amount and monthly payment amount was {$220.00} with 4 % interest rate. Starting XX/XX/XXXX got billed {$570.00} with interest rate 12 %, XX/XX/XXXX billed {$570.00} with interest rate 11.5 %, XX/XX/XXXX billed {$880.00} with 4 % interest rate and XX/XX/XXXX billed {$770.00} with 4 % interest rate. XXXX XXXX {$210.00} on XX/XX/XXXX which they applied it all towards interest, then paid {$1200.00} on XX/XX/XXXX for the rest of XXXX and XXXX which made us current. My husband spoke to multiple representatives with no resolution. I spoke to XXXX XXXX on XX/XX/XXXX about the increasing monthly bills and increasing interest rates. She requested a review of the account. I asked her about what to do with the XXXX payment which was due in 4 days and she advised to pay {$220.00} which I did. That {$220.00} was applied all to interest. She advised to call back for status of the review after the holidays. Spoke to XXXX XXXX on XX/XX/XXXX and was told the review is still pending and no way to expedite it and the review can take up to 10 days maybe longer. We have been paying for XXXX yrs and very little has gone to the principal. As of XX/XX/XXXX the principal is {$45000.00}. Why is so little being put towards the principal? Don't understand why they increased the interest rate from 4 % to 12 %, 11.5 % then back to 4 % when we have a fixed rate. Saw on XXXX that people are having the same problems with this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I signed a contract with XXXX XXXX XXXX XXXX on XX/XX/2021. Claimant used the right to recind contract on XXXXXXXX see proof through email. This collector has continued to list this collection on my consumer report and attempt to collect a debt which DOES NOT exist although I've advised them multiple times.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was short on money and had received an eviction notice. I was desparate for money and was not approved for rental assistance from my state. 

I took out a loan from River Valley Loans for {$1200.00} at 690 % interest. I have paid {$640.00} toward this loan and the balance has gone down by {$7.00}. 

I take full responsibility for this loan and will pay it off completely when I can make a large enough payment. But these interest rates should not be allowed. This company is a predator and shouldn't be allowed to take advantage of vulnerable people like me.
Product: Vehicle loan or lease

I have a chase auto loan that i started in XXXX of XXXX for a XXXX XXXX. This is my first car loan/lease so i was adamant that i wanted to have everything setup correctly. i made my first payment on the lease and then setup reoccuring autopayments as i wanted to be a responsible lease recipient and build my good credit history for the future. This auto repayment did not engage and in the second or third month of the lease i received a call informing me that i was past due. i made the past due payments with additional fees charged to me as a result of the late payments and setup auto payments again to recurr every month. This once again did not come into effect. and i was for a second time charged with additional late fees as a result of some issue with the billing on chase 's side. i asked the support person why i had not received any notice of this and the company had put me on a cease and desist list. This is wholey and entirely chase 's faulty for repeatedly reassuring me that my auto payments would work and that they would contact me if there were issues, which they did not, instead i was given no notices and never contacted. I enjoy my car and pay for it but i am getting scammed by my lease company, Chase Auto finance, because their system continually reverts the options i make to keep my account in good standing.
Product: Credit card

My credit limit with my card is {$8000.00}. I wanted to make a purchase for about {$15000.00} on the card, and so therefore, I prepaid my credit card by {$7000.00} to effectively increase my spending limit to {$15000.00}. The card issuer did not restrict me from making the prepayment and therefore I did so. When I made the purchase, it was declined. Upon talking to customer service at the credit card company, they said that the act of prepaying the card does not increase temporary increase the credit limit -- contrary to intuition of providing the card company with a secured prepayment. I then authorized a hard pull on my credit to see if the limit could be permanently raised to {$16000.00}, taking into consideration the prepayment. The hard pull was performed and the request was denied. This hard pull will impact my credit for the next two years, and the company would not allow me to consolidate this hard pull with a previous hard pull I made to increase my credit line in XXXX 2015. 

In summary, I would like to make a {$15000.00} purchase with my card, and I prepaid the card by {$7000.00} thinking the limit of {$8000.00} would be effectively raised to {$15000.00}. This card company will not allow me to do so, and I believe it should since I provided a secured prepayment.
Product: Money transfer, virtual currency, or money service

I was scammed and when I tried to get a refunded as my product was not received Cashapp would not give me a refund
Product: Credit reporting or other personal consumer reports

AFTER RECENTLY GOING OVER MY CREDIT REPORT I LEARNED THAT I AM A VICTIM OF IDENTITY THEFT, AS A RESULT OF THAT, MY CREDIT HAS BEEN AFFECTED TREMENDOUSLY DUE TO ALL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT. PER THE CONSUMER LAW, WHEN A IDENTITY THEFT REPORT OR A POLICE REPORT HAS BEEN PRESENTED THE ACCOUNT MUST BE REMOVED FROM ONES CREDIT FILE IMMEDIATELY. ATTACHED YOU WILL FIND AN IDENTITY THEFT REPORT. PLEASE REMOVE ALL FRAUDULENT ACCOUNT, INQUIRIES, AND ADDRESS IMMEDIATELY PER THE CONSUMER LAW RIGHTS. 

ADDRESS ARE : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit card or prepaid card

I have 3 credit cards w CapitalOne. All three were set up on auto pay. One had a XXXX balance for over 6mos and apparently was removed from auto pay due to inactive status ( that is what I was told by customer service ) I called when I happened to find out I had delinquency reported on my credit report! I was told if I could pay the balance which stemmed from a {$59.00} annual fee that I didn't realize had been assessed, that the interest and late fees would be refunded. I also inquired about the delinquency on my credit report and was told if I could pay the {$59.00} in full and bring the account up to date, the late payments would be reversed and CapitalOne would notify the credit bureaus. It has not happened yet, I called back to check the status of the reversal of late payment reporting since I was not made aware of the removal of auto pay and was told Capital one would not do that. I was misled in order to make the payment. Quite deceptive and unfair of them to report me delinquent when I was not aware of the removal of auto pay. As I mentioned, I have 3 accounts w CapitalOne. The other two get paid automatically monthly with no delinquency, so I believed my third account was ok. Plus I didn't receive calls!! I only learned about it from my credit monitoring service! Please help me get the late payments reported on my credit file removed! This is an example of unfair, deceptive, AND abusive acts and practices by CapitalOne to try to get me to pay ... which I would have paid anyway! I have larger balances that I pay on time with them. Why would I skip out on {$59.00}?!!? Hurting my credit score unfairly!
Product: Credit reporting or other personal consumer reports

I received an alert from my credit card company that my social security number had been alerted on the dark web so I went to put a freeze on each of my credit reports. I was unable to access my Transunion account online and so spent a long time on hold placing the freeze over the phone. I was then directed to a tech support phone number for transunion to regain access of the online account so I could lift the freeze when I needed too without having to wait on the phone XXXX minutes. The person on the phone told me they could not reinstate my account because the date of birth and email address didn't match. They indicated it had been changed on my transunion account. The rep refused to answer questions about how someone had been able to change the personal information on the account and requested I email my ID and electric bill so that they could deactivate the account. I was uncomfortable with the suggestion since I have no way to verify who they are or if the information was secure since obviously my information was not secure. The rep hung up on me after I asked the call to be escalated.
Product: Credit reporting or other personal consumer reports

I have contacted this company on several occasions to correct this incorrectly reporting information. 
Account : XXXX XXXX Account # - XXXX This company has violated my rights according to 15 USC Section 1681b ( e ) ( 6 ). This is causing severe XXXX for me. I have sent several letters for them to update this inaccurate information. XXXX has updated theirs due to it reporting inaccurate and so these companies needs to be notified. 

Please update it to paid as agreed. Was never late.
Product: Debt collection

I XXXX XXXX, have tried to settle my debt by explaining my permanent XXXX  and XXXX XXXX challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a surgery, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my XXXX XXXX are extremely low, slim to none.My XXXX  was back this past XX/XX/2018 do to a XXXX, and I am going back for a XXXX XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter XXXX
Product: Mortgage

NewRez my mortgage service company refuses to apply extra payment to the principal. 

Multiple online and phone calls request didn't resolve the issues.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to TXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

Our home was hit by hurricane Michael on XX/XX/2018. We have since been in the recovery process to try and repair and cleanup our home and property. 
We were told by Ocwen Mortgage that we could defer payments using their disaster relief process. Ocwen then transferred our account to PHH mortgage who did not onor this repayment process and wanted payment in full. We have contacted them on many occasions, at least once per week to try to rectify the status of our account. 

On XX/XX/XXXX PHH mortgage cashed a payment we sent at their request, to bring our account status back to correct, in the amount of {$6200.00}. On the same day they credited our payment they also sent our account to their attorney even though we met all of their requests. 
We have called them several times during the month of XX/XX/XXXX with no more information and no contact from their attorney. 
We sent our XX/XX/XXXX payment as prescribed in our mortgage in the amount of {$2000.00} and it was cashed by PHH on XX/XX/XXXX. 

It is now XX/XX/XXXX, and PHH mortgage is holding {$8300.00} in a suspense account. When we call PHH mortgage, they say our account is in Foreclosure, even though we have received no documentation yet to that effect. When we call their attorney, the attorney 's office says they are working on an amount to reinstate our account. 

The issue is that we get different information from different people at PHH. We have sent them money which they are not crediting to our account. They say we are in foreclosure yet we have NO communication or information about this. It has now been 38 days and they are not communicating and not following through. They are also not properly responding to their own attorney who says they are " waiting for information '' from the mortgage holder. 

During this process we have been responsive, and have sent in our payments which are not being properly applied to our account.
Product: Mortgage

We closed on our refi mortgage on XX/XX/XXXX. {$740.00} was included in closing to pay our county property tax. On XX/XX/XXXX, I discovered the property tax had already been paid by our previous mortgage company. I contacted a contact at Chase right away with the information but never received a reply. I emailed again on XX/XX/XXXX with no response. I sent messages through Chase 's secure message site on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to contact our county Trustee. He stated the refund had already been sent to 3rd party XXXX. I was told on XX/XX/XXXX by Chase employee XXXX that when Chase received the refund they could apply it to our first payment. On XX/XX/XXXX our county Trustee was told by XXXX that Chase would be issued our refund by XX/XX/XXXX. On XX/XX/XXXX XXXX told XXXX XXXX that Chase had received the refund. We reached out to Chase again via 3 different contacts on XX/XX/XXXX. We received one message back on XX/XX/XXXX that the refund would show on our account at Chase by XX/XX/XXXX. I contacted Chase on XX/XX/XXXX because the {$740.00} was not showing on our account. I was told by XXXX XXXX that Chase didn't have the refund at all and I should call the county trustee. On XX/XX/XXXX the county trustee was notified and checked again with his contact. On XX/XX/XXXX I spoke with Chase " executive '' XXXX XXXX. She told us Chase did not have and we needed to speak to the county trustee. We told her we did. She stated she would need 14 days for the tax department to review the refund. We asked why they didn't do that back when in XXXX. She told us that a discount credit we received ( like a coupon ) on closing might have affected it. We told her that was separate as that was a coupon for being a XXXX XXXX for closing costs. She told us she wasn't even sure we were due a refund but all she could tell us was it would take Chase 14 business days to review it. She also stated multiple times we were never told Chase had the refund even though we were. We went through 3 different contacts during the closing process as employees were always out of the office. We have had a different response from a different Chase employee every single message. We went through 2 different employees in the executive office due to people being out of office. This is an issue that has been pushed from employee to employee and we are the ones who are suffering and wasting an enormous amount of money on an oversight that shouldn't have occured before closing. Due to this interaction as well as some other " oversights '' during the loan process, we would NEVER recommend Chase to anyone.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons.

I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Debt collection

Medical Revenue Service attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.