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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Credit reporting, credit repair services, or other personal consumer reports

After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )
Product: Debt collection

End of XXXX or early XX/XX/2019 on a Saturday while I was at work, Synchrony bank/ amazon credit contacted my fianc on XXXX. This telephone number has never been listed on any of my credit accounts as a form of contact and the only connection I have with this telephone number is that the line of service is in my name. The caller/collector began to disclose personal information regarding the attempt to collect an amazon credit card debt. This person violated privacy acts by disclosing information to persons not listed or associated with this account. They also contacted a telephone number which had never been listed on my credit account with synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.
Product: Debt collection

DIVERSIFIED ADJUSTMENT sent me a letter informing me of a debt that I don't owe so I responded saying this is not my debt and do not report to the CRA 's. They sent my a bill and then reported to the CRA 's. I ask them to remove it from the cra 's and send me a copy of their business license to operate in the state of ILLINOIS I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

from XXXX to XX/XX/XXXX i was incarcerated i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Product: Credit card or prepaid card

I signed up for a XXXX Red card and set it to paperless statements and meant to set up automatic payment. The automatic payment was not set up so my first payment was missed. There was no notification from XXXX and they charged a {$38.00} late fee. This happened again for two more months with no notification. The first notification I got was from a collections agency over the phone where I stated that there was no notifications. The agent claimed there were many notifications but that is false. I have many XXXX Emails and none are notifications of late payment. I have XXXX credit cards with on time payments for over 15 years and plenty of money in my bank account so there was no reason for me to let it go unpaid except for error which could have been quickly corrected with a simple late notification. In stead XXXX is demanding over {$100.00} in late fees on a single purchase, {$39.00} balance. I feel that XXXX was negligent in notification policy and is improperly profiting through late fee charges at my expense.
Product: Mortgage

Dear CFPB ; I was a Wells Fargo Mortgage customer. After Wells Fargo received over {$1.00} XXXX of taxpayer funds for delivering mortgage modifications, I requested that my mortgage be modified. 

Wells Fargo dragged my {$320000.00} mortgage modification request out for over a year, while continuously demanding that I pay my interest-only mortgage on the property. The company kept requesting more information and kept telling me that my request was " in evaluation ''. Wells Fargo never evaluated my request. 

Wells Fargo foreclosed on my property. I lost my {$120000.00} down payment, and the property. This was my entire life-saving. 

If Wells Fargo would have modified my mortgage as promised, today my property would be back to its original value.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX XXXX XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a dispute in the matter of my credit was sent to Experian being verified. I have attached the documents that was sent to them asking the company how these items were verified and asking for my signature as proof because i have no recognition of these items.
Product: Credit card or prepaid card

I have had numerous issues with Citibank failing to apply my payments to my credit card. As I live in XXXX at present, they have only one mechanism for accepting my payments -- XXXX XXXX XXXX XXXX. Most recently, I sent a XXXX XXXX XXXX XXXX Payment on Friday, XX/XX/XXXX. These payments take 15 minutes or less to send from XXXX to Citibank. However, Citibank regularly fails to promptly apply these payments. This has resulted in late fees that I have had to fight on numerous occasions in the past, when my payment is sent and received, but never applied by CitiBank. 

I contacted Citibank again today regarding Friday 's payment, and they stated that have " no record '' of a pending payment. They have made notes in my account, but I am not confident that this will be the end of the problem. 

I am exhausted from dealing with this issue. I do not want to ruin my credit score, but I am not feeling safe sending them money when they so regularly try to claim I did not send it. Each time, after hours of fighting with them and mountains of evidence that I have to collect and send them, they finally admit that it was an error on their end. I should feel safe sending money to a credit card company ; what is happening right now is no less than attempted theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a collection that is fraudulent reporting only on my Equifax report. However, I have tried twice a week for the past month to file a dispute and I keep getting the message the dispute center is down for scheduled maintenance. I was told this would be fixed a long time ago, and that was weeks ago. The ability for Equifax to stop the dispute process damages not only me but others as well. I attached a screen shot as evidence, this is ridiculous, please help
Product: Credit card

Care Credit company continues to have deceptive practices regarding interest rates on cards even after they were orderer to discontinue their unfair and deceiptive practices. I was in need of XXXX and I did not have XXXX insurance at the time to cover the cost. I was offered the card by my XXXX office. They did not explain in detail about " promotional periods '' or " deferred interest ''. The more I pay on my balance, the larger it grows. I am recently divorced and can not afford the growing balance on my account. It has also impacted my credit score as well. I would like a resolution to CareCredit 's unfair and deceptive practices. 


" According to the CFPB order, since XXXX 2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving XXXX complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredit 's limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate. 
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a hard inquiry from XXXX XXXX XXXX and Did not authorize this company to pull my credit report.
Product: Debt collection

This company continues to attempt to collect two debts from me. one for {$1100.00} and the other for XXXX. Supposedly they are two accounts from XXXX XXXX that show the same dates of service. First, how is that even possible? Second, those are not my accounts. They took it off my report once and they now have come back again.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance Owed {$91.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00}
Product: Checking or savings account

My checking account was randomly put under restriction XXXX XXXX  ago and has yet to be lifted. Ive been calling back to back everyday regarding updates and Ive yet to receive any assistance. I called back today just to find out my account will be getting closed for a violation they wont disclose to me. I have a lot of money in that checking account that they will not allow me to access. Its been over XXXX XXXX  and theyre still giving me complications. My bills keep bouncing due to this inconvenience and they do not seem to care.
Product: Vehicle loan or lease

I purchased a new XXXX toyota XXXX minivan From XXXX XXXX XXXX toyota in california in XXXX. Yup when I purchased the Van. I also purchased a 10 year 100000 mile. Extended warranty from Toyota financial services. in XX/XX/XXXX I moved to Hawaii with my Van. and XX/XX/XXXX the Van to the dealer because the sound system stopped working. The dealer told me the amplifier needed to be replaced and ordered parts, but the parts were on back order. every 2 months or so. I've checked with the dealer. Only to hear the same reply that the parts are still backordered. I have now contacted Toyota Brand Engagement to try and get a resolution. Toyota brand engagement tells me they only deal with cars in North America. I am now left with a car with no sound system and no apparent revolution for the repair. So I have requested Toyota refund. The cost of the warranty plus some additional amount to compensate me for. The trouble i've been through.
Product: Student loan

My personal and financial information was compromised without my authorization. The XXXX XXXX Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.
Product: Credit card

Opened a Wells Fargo credit card with a company, XXXX XXXX XXXX. I opened the card in XXXX, when I opened the card we discussed the due dates since I am retired military and on a fixed income. I was assured it would not be a problem. I recently discovered they were charging me a {$40.00} a month late fee every month since XXXX. No one ever contacted me and when I logged in to pay my bill, it never showed it was late. I payed XXXX a month every month so I did not notice because my payment was around {$170.00} a month. Once I realized it, they only returned {$500.00} of these fees. My account would have been paid off a year ago had they not charged these fees. They would not work with me any further and I had to pay more money to close the account and stop the fees. They told me there was no grace period for late payments and they don't notify people when payments are late month after month. This can't be legal. Seeking guidance.
Product: Debt collection

This communication is in response to Complaint ID : XXXX with Harvard Collections.

I have received correspondence that Harvard Collections didn't receive any verbal nor written agreement from me in order to validation the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights as well as the Fair Credit Reporting Act.

If they aren't able to validation the debt, then they need to remove the item from my credit. As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution.

This item doesn't have enough support to validation ir being mine, let along negatively impacting my credit report.
Product: Mortgage

I am registering a complaint against Specialized Loan Servicing ( XXXX ) who processes my home mortgage payment. I have had difficulty with XXXX since they took over my loan payments after the Department of Justice settlement following the housing crash in XXXX. That can be discussed at a later date, I am discussing my current dispute. 
Approximately 8 years ago XXXX started collecting less in escrow that they paid out. Approximately XXXX years ago XXXX exhausted their exceptionally high escrow reserves. Three years ago, XXXX finally discovered their error. Demands for over {$8000.00} ensued. I reached an agreement with SLS to raise my payment by almost XXXX XXXX  XXXX  foXXXX three  years to payback their mismanaged shortfall. 
In XXXX of this year I have paid back the deficit and when my payment is reduced {$200.00}, XXXX will collect as much as they pay out. 
This is where the dispute arises. XXXX manipulated the payback schedule to reach zero deficit and equilibrium on XX/XX/XXXX, knowing that in XXXX my annual homeowners insurance is paid and in XXXX half my property tax is paid. At the end of XXXX XXXX will have a {$4300.00} deficit and they want that amount in reserves for the life of my loan. That is triple the amount allowed by law. ( {$1400.00} ) I begrudgingly accepted the {$4300.00} amount and proposed a four-year repayment schedule. XXXX denied my request, essentially saying they waited long enough for their money. 
Is there anything you can do for me? Money is tight right now and I planned on my monthly house payment dropping {$200.00} sometime this fall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed out my XXXX Credit card ( XXXX CARD ) in XX/XX/XXXX. I spoke with XXXX and they agreed there should not be a derogatory remark on my credit report. I also spoke to Experian who also did an investigation and they agreed with me as well back in XX/XX/XXXX. As of today XX/XX/XXXX, my credit report still shows a negative remark for XX/XX/XXXX when I closed this account. For goodness sakes, pleaser help me get this negative remark removed from my credit report. For whatever reason, Experian will not remove it from my report, and this negative remark only shows up on Experian. It looks to me like they just want me to pay for boost to have them clean it up but that's extortion, and I shouldn't have to pay to have it removed. No other credit reporting agency shows this negative remark, and the mortgage company I am using only uses Experian. Sounds like a scam to me. 

I have not missed a payment on my credit cards for as long as I can remember, so this negative remark is XXXX. Plus add to this nonsense that I have been reducing my credit card balances for substantially over the last three years and yet Experian has chosen to rapidly decrease/increase/decrease my credit score over the last couple of months with large point swings just as I am trying to get a mortgage. This is absolutely ridiculous. 

Ever try to get Experian on the phone? It's next to impossible as you get caught in an endless recorded loop that does not end up with a live agent. What a total scam of a company, I wonder how much they kick back to the mortgage companies to use their horrible reporting service. Lastly, when I was able to get someone on the phone a few months ago, they told me that they don't make up the score, only report it. What are they talking about, it's there credit score that they calculated from their credit factors, so that makes no sense at all?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

On XX/XX/XXXX i apply for venture capital one cradit card. And there is 0 % intarest for 12 month. Before i transfar balence i call customer service 2 time, ask them there will be any intarest charges? They says no interest untill XX/XX/XXXX. So i transfar balence! but now they are chargin me intarest. So its a trap, they are making their customar fool. Now they saying why i dont read terms and condition befor transfar. But i cant read so thats why i call 2 time. Also i ask then to Listen previous conversation voice record with customer service but they dont. So why i pay from my pocket for their customar survice who make false statements??????
Product: Debt collection

I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. 

Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. 

Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this point.