23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My daughter notified me that she was alerted about someone using her name and my birthdate and her ssn to apply for a US Bank credit card. It was denied but she was notified. She contacted US bank to verify was told what info they had. 

She instructed me to file this fraud claim as my birthdate is out there being used to apply falsely for cc on a bank application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I applied to refinance my mortgage through XXXX XXXX  for a lower interest rate. XXXX XXXX sent me an email notifying me of an inquiry alert and that my credit score would not be affected for 14 days. Email attached. 
Within 1 hour Equifax decreased my score 26 points. XXXX and XXXX have kept my score the same.

Please note out of 7 changes Equifax  states is the reason for decreasing my score 6 are decreased balances on credit debt. I have been VERY conscience to pay my debt off and monitor my scores. Every other week Equifax  has some bogus reason to significantly decrease my score.
Product: Debt collection

Action Collections is stating invalid information. I found a debt on my credit report. When I called to handle the debit on XXXX XXXX 2021 I was told that I need to speak to their attorney. When transferred to XXXX, she indicated I owed around XXXX. Of that amount {$850.00} was the debt and interest then the remaining was attorney fees. I have not received any information from Action or this attorney they have recruited to collect for them. They have incorrect address information for me and they refused understand that they were sending information to an address I no longer reside at. I paid the amount of my debt plus interest. Action Collections has made the assumption that I paid that with the " belief '' that I would be paying my debt in full. Not once did I say that. I paid the debt that I owed but I dispute additional attorney fees since I have received nothing in writing from them. XXXX refused to send me a itemized copy of said debt yet expected me to pay the full amount. Action Collections is refusing my payment under pure assumptions. I am a consumer attempting to pay a debt yet they will not allow me to. They stated in a previous compliant that they credited back my payment of {$850.00}. Why??? Why are they refusing to allow me to pay on a debt and now want to take legal actions against me?
Product: Credit card or prepaid card

The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my first case open with the CFPB concerning these accounts. I am completely shocked on how I am not being heard concerning these issues with Experian and XXXX concerning this account. I have been disputing the inaccuraccy of this account for 7 plus years. as of XX/XX/2022 report XXXX on account XXXX XXXX  XXXX XXXX XXXX Experian and XXXX continues to report in accurate information and now allowing XXXX XXXX to report unverified information as well. I am in receipt of Experian letters stating that my disputes of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic Then turn around and say that these items are verified. How? They haven't produced any documentation that I have requested from them. Yet you say its verified. ALL INFORMATION ON MY CREDIT REPORT IS SUPPOSE TO BE TRUE AND ACCURRATE YET BOTH BUREAUS ( EXPERIAN AND XXXX ) are reporting inaccurate information repeatedly. 
1. Experian shows that XXXX XXXX XXXX is the original creditor, while XXXX shows XXXX XXXX. 
2, Both have different open dates that are both inaccurate 3. Both bureaus have inaccurate payment histories and account status don't match at all. 
4. The balances are also inaccurate. 
5. When were payments made? A payment history is reporting.No valid or verrified information is being reported. 
I have tried to fix this account over 50 times and still I am being ignored. I have the right to have my credit report true and accurate according to the laws of the Fair Credit Reporting Act.
Product: Credit card

I am filing another complaint because the cfpb closes a case when there has been no resolution the company sent a letter saying they can cancel or terminate my card without any reason per the agreement. I have also read the same agreement and I have read the consumer protection laws and they clearly stated it is discriminatory to make major changes to ones credit card without giving 45 day written notice which they still have not. And they still have my acct as open they even filed with the three credit bureau as open So them saying they can cancel or close anytime would be fine. But if they choose to keep it open yet restricted. That is biased if they have it open I have a right to use it. I am legally right in every aspect and will do everything in my power to not let them get away with this these are the type of things we as consumers should be protected from regardless how big the company
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my credit report multiple times, requesting verification of accounts, proof of compliance with reporting standards, and corrections of false information. Despite my previous disputes, the companies have not provided sufficient evidence or corrected the errors. This has been ongoing for months, with letters sent requesting action within the required timeframe, yet no resolution has been reached. ''
Product: Mortgage

There are two complaints. One against XXXX Mortgage, and the other against M & T Bank. XXXX sold the mortgage to M & T.XXXX stated in their response to my complaint they are waiting on documents showing my payments since XX/XX/XXXX and insurance amounts to M & T in order to resolve the issue of not paying my escrow account in full in XX/XX/XXXX. M & T signed the certified request I sent asking for the documents ( XXXX, signed by XXXX XXXX M & T ) .M & T told me on XXXX they have not received any letter from me.I have the certified return reciept # XXXX.Both compaines have caused grievous harm to me as a homeowner.XXXX violated their obligation to me when they did not pay my insurance in full. Then sold the loan because the insurance was canceled.XXXX and M & T have no quality controls to identify errors in their business, they are both " severely flawed '' and " ineffective '' .The problems are excessive and the error rate on my loan is unacceptable.I have been able to stay in my home with the help of family members.My fixed mortgage continues to go up due to the forced lender insurance and the tacking on of illegagle fees.I spoke with 4 people on XXXX attempting to get from M & T what XXXX say they need to resolve their part of the issues with my loan.M & T in their response stated they need 60 days to review this.I want the Attorner General to review the case
Product: Credit reporting or other personal consumer reports

Upon reviewing the personal credit report obtained from your organization on ( XXXX ), I observed an unauthorized inquiry : The inquiry was not authorized 1. XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a complaint ( XXXX ) to have things removed as a victim of identity theft and Transunion block the removal on the grounds that the FTC report was fake which false and misleading way to get out of removing the items from my consumer report. I have already submitted my verification documents so there should be no excuses!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting on my credit report the following charges from XXXX XXXX {$19000.00}, {$5300.00}, {$8900.00}, {$10000.00}, {$36000.00} and XXXX XXXX XXXX {$29000.00}. 15 USC 6802 Financial institutions may not diclose nonpublic information to a nonaffiliated third party XXXX XXXX XXXX XXXX XXXX XXXX has not given me the consumer in writing or electronically any discloures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. It's been reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence. I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. This is an inaccurate address. 

According to the Fair Credit Report Address : XXXX XXXX XXXX XXXX TX XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 








XXXX XXXX XXXX XXXX TX XXXX XXXX Single family XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX. These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/2017 my wife and I went into the local US Bank in XXXX Minnesota to inquire about a checking account and which overdrafts are not an issue the banker came back with a contract that stated if I were ever in the negative at the end of any given month that negative balance will be added on to the back end of my student loan I have with US Bank so one month when I was in a - {$210.00} instead of putting it in the back end of my long like was in the contract they started charging me fees late fees charges whatever they do overdraft charges even though it was specifically in the contract and what the banker told us that that wouldnt happen so I want them to be held responsible for breach of contract and shady business practices and for falsely reporting on my credit report. I do have a witness my wife was next to me during the entire meeting and will testify as to what Im saying is true this is exactly why I dont use big banks because they are scammers who lie and breach contracts with no repercussions because I am poor and XXXX I am not able to file any Sort of litigation to resolve this matter so Im asking you for your help please
Product: Credit reporting or other personal consumer reports

Equifax Credit Agency has a very old address listed as my current resident address which is incorrect. I disputed the inaccurate address and uploaded my current pay stub that displays my current accurate address. Equifax investigated and refused to correct the inaccurate address. 

Old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear District Attorney and to whom it may concern, aside from my utter disappointment with Wells Fargo and their unwillingness to assume any responsibility for a highly destructive loan product, once called a XXXX XXXX, is unfathomable! It is inconceivable that this financial institution be allowed to continue to operate under the guise of integrity. Case in point is Wells Fargos dismissive accountability for the loans and decisions that theyve made and continue to make today. Ive asked Wells Fargo repeatedly to investigate a 2010 loan modification that was offered, of which I had no choice but to decline at the time, as the modification only placed past due payments onto the back of loan leaving all the same destructive amortization terms and conditions in place. Due my financial hardship at the time and the fact that acceptance of said modification stipulated that I waived any and all rights legal rights or actions. 
My compliant lies squarely with Wells Fargos as they keep insisting that placing past due payments on the back of the same toxic loan is somehow an acceptable modification that was going to miraculously keep me current on said loan for the foreseeable future.This tells me that Wells Fargo hasnt bothered to go back and review my 2010 finical hardship documentation and come clean with the fact that I was offered a self-destructive modification product that due to my then finical situation would have left me not only with a defaulted modification, but with no legal right to stay in my home. 
It is at this time that I seek out the assistance of the District Attorney of Florida and request a full investigation into the how Wells Fargo is conducting their reviews of complaints being submitted as I have done my homework and have all modification application documentation that proves that the 2010 modification was unjust and set up to fail and anything other than that finding is an attempt by wells Fargo to check a box and claim compliance.

Wells Fargos continued omission of responsibility as it regards to their sins of the past has cost me and my family a decade of pain and suffering, one that I will never forget or stop fighting as I seek out an amicable and final resolve. Ii is my intention to continue my pursuit of unjust and unfair conduct on the part of Wells Fargo until theres someone who takes my compliant seriously and is competent enough to explain in detail why my financial hardship application with all financial facts did not offer a modification that did more than just place past due payments to the back of the same destructive loan? If Wells Fargo is unable to justify and support the then modification then how is it that they are able to continuously claim that I was offered a sound and sustainable modification that I simply denied?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent bankruptcies reporting on my credit reports
Product: Mortgage

I called PennyMac regarding suspicious dealings. In XXXX I purchased my home for {$65000.00}. In 7 years I had paid down my loan to {$54000.00}. I spoke with someone in the loan department and was told that PennyMac purchased the loan fron another company in XX/XX/XXXX. Somehow on XX/XX/XXXX, PennyMac wiped out the {$11000.00} I'd paid over 7 years and added {$8000.00} more to my loan taking it up to {$62000.00}?! When I questioned PennyMac about it I was told that PennyMac had acquired the loan on XX/XX/XXXX, and the company before they bought the loan did this, which is contrary to my credit report which put their acquisition on XX/XX/XXXX!! PennyMac 's loan department talked to me over 1 hour trying to convince me otherwise. Also on XX/XX/XXXX, I'd paid down the {$62000.00} to {$61000.00}, but because of covid my loan went into forbearance for 1 year ; however after the 1 year was over they requested all the money or they'd put the amount on the back of the loan. Therefore I had to agree to their terms or lose my home! When checking the numbers I found out that PennyMac wiped out the {$670.00} I'd paid from the {$62000.00} and added another {$9500.00} taking my loan up to {$71000.00} with a additional 10 years ( XXXX to XXXX ), to pay off my loan?! I now owe PennyMac a little over {$65000.00}, more than I paid for my home 13 years?!!! I demanded all the documents ( over a month in total ) and have yet to receive them especially after I mentioned I'd be contacting a lawyer to look over the documents?? 

Thanking you in advance for the time you've taken out of your busy schedule to assist me with my concerns. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a negative on my credit report which is Office of the Atty Gen it shows I have late payments which I do not I have called several times no explanation on this matter It should not be on my credit report period.
Product: Vehicle loan or lease

On XX/XX/year>, I saw a transaction from Capital One Auto Finance on my checking account summary that amounted to almost {$1000.00} in a bank draft fee. After not recognizing it, I immediately contacted my bank to dispute this transaction, and that's when I was told that this account belonged to someone I have no association with nor am I familiar with. At this time, my bank told me they would create a stop payment to stop any further auto drafts. However, today, XX/XX/XXXX, I saw the same vendor withdraw almost {$500.00} from my account again. I have tried to contact Capital One, but because I am not the main person on the auto loan account, they can not assist me in removing my checking account from that auto loan account. I request an immediate halt to the unauthorized withdrawals from my checking account related to an auto loan that I am not the holder of, nor did I ever consent to have my banking information linked to this loan.
Product: Credit card

This complaint involves several transactions that has been accumulated with the company. 
We disputed each transaction over the phone. After each long call, the representative did not document the reason for dispute and the company continue to request information from us. It is exhausting to repeat ourselves and spend time over and over on the same matter. We sent out final explanation letter and notified the company that we will not be paying for these transactions. 

Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} )
Product: Checking or savings account

fraudulent checking account opened in my name, date : XX/XX/XXXX  account # XXXX I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX
Product: Debt collection

I filed bankruptcy Chapter XXXX and it was Discharged on XX/XX/2016. I became aware of the problem while attempting to apply for a small mortgage. I was informed of the debt with Wells Fargo that was preventing me from moving foward. Any and all dept with Wells Fargo should of been Discharged with the Bankruptcy. I will attach the document proving this.
Product: Credit card or prepaid card

Hi Capital one office of the president ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 and during last year during the pandemic. Do you mark people during global pandemic? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect expedited removal of the Fraud Alert on my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of XXXX, I attempted to report and remove a derogatory account on my credit report. I filed a dispute through XXXX and wrote a letter to both XXXX and the reporting company, to no avail. 

The reporting company stated that upon review of my account, it is reporting correctly. 

Based on the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, the term consumer report is to exclude and NOT INCLUDE transactions and experiences, such as late payments, made between all persons involved ; consumers and the institutions. 

I, as the consumer, DID NOT AND DO NOT GRANT PERMISSION for this institution to furnish and report my experiences and/or transactions, such as late payments, to the credit reporting agencies on behalf of my personal consumer credit report. 

Per the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, per 15 U.S.C. 6801 and 15 U.S.C. 6802, the institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of my nonpublic and personal information and furthermore, have a responsibility to insure the security and confidentiality of customer records and information ; protect against any anticipated threats or hazards to the security or integrity of such records ; and ; to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I acknowledge that I have not been provided, by this institution, the necessary consumer disclosures that give the consumer the right and option to OPT OUT in regards to the furnishing and reporting of my personal financial data to anyone on my behalf, therfore by law, the institution is reporting my personal financial data and information to the credit reporting agencies, and any other 3rd parties, illegally. 

I am exercising my consumer right, based on the consumer laws, to ensure that this institution be held responsible for the unfair practices under all applicable consumer laws put in place by The United States Congress and The Fair Credit Reporting Act. 

As they DO NOT HAVE MY LEGAL PERMISSION to do so ; I require that this company immediately cease and rectify all non permitted disclosures of my personal financial data and information, transactions and experiences, to all credit reporting agencies, and any other 3rd parties.