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

XXXX is Not showing up in my XXXX and XXXX and Experian Aren't showing my XXXX card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, XXXX and Experian Keep claiming its XX/XX/XXXX fault for not reporting and when I call XXXX they Claim that they Are reporting myXX/XX/XXXXand that is not true as my credit report reflects missing my XX/XX/XXXXin XXXX and experian. When I called XXXX they told me that I requested my XX/XX/XXXX be removed and that is just not true why on earth would I want my oldest XXXX XXXX to be taken off my credit history!? XXXX claimed they don't report to XXXX qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XXXX to XXXX at XXXX point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages belowXX/XX/XXXX% and pay my cc off to ZERO every months. still XXXX is refusing to cooperate with me in regards to their lack of XXXX my PERFECT credit history to XXXX And Experian is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing XXXX credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires on my credit report do not belong to me. its inaccurate information and its being reported on my credit. 
PRESTIGE FINANCIAL ( finance ) XXXX XXXX XXXX ( finance ) XXXX  XXXX ( auto )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or discard this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed a copy of my credit score and notice i had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX dollar secured credit card with Wells Fargo in XX/XX/2016. In XX/XX/2016 my balance was XXXX  I called Wells Fargo and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Product: Debt collection

Two unauthorized charges have appeared on my credit report : XXXX XXXX XXXX XXXX card for {$770.00} and an account with LVNV Funding LLC for {$410.00}. These charges are affecting my credit score negatively, but I never applied for or received any notification about these accounts. As a result, I'm unsure how to address or pay off these debts.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the mentioned entries contain inaccuracies in terms of reporting, including erroneous amounts and dates.
Product: Credit reporting or other personal consumer reports

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a hard inquiry to XXXX on XX/XX/20. I contacted them, they were unable to find any information regarding me applying for credit. I havent applied for any credit for XXXX XXXX or any companies affiliated with them. This isnt the first time a hard inquiry was reported on my credit & it was removed.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to a blatant case of identity theft that has caused significant harm, and I am demanding immediate investigation and enforcement of my rights under federal law. Under 15 U.S. Code 1681e, entities handling consumer information are required to maintain strict procedures to protect against unauthorized access, yet my personal data has been unlawfully used, demonstrating a failure of compliance. Furthermore, under 15 U.S. Code 1681n, those responsible for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) are subject to civil liability, including actual damages, punitive damages, and attorney fees. Additionally, under 15 U.S. Code 1681o, negligent noncompliance with FCRA requirements also results in liability. The reckless mishandling of my information, failure to implement necessary safeguards, and lack of corrective action constitute both willful and negligent violations of federal law. I demand immediate corrective action, investigation into all responsible parties, and full enforcement of my rights under the law. If this matter is not swiftly addressed, I will pursue all available legal remedies.
Product: Checking or savings account

Good afternoon. 

My name is XXXX XXXX, and I am a Citi Bank client. I used to have a checkings account with the bank, however it was closed without notice recently. 

I currently only have a credit card account active. 

I have banked with the institution for several years and I did not expect for the bank institution to close my bank account without proper notice. 

This bank account was the only source where my income was sent and my finances paid. This cancellation has become the biggest inconvenience to my family and I have made attempts to receive support from your institution for some time now. I have called Citi Bank, and I am told I am going to be called back at a later time. It should be noted, I have not been contacted by Citi bank via phone call to this date. 

I have made attempts to go to my local Citi Bank institution for support, and then prompted to call the call center. 

My frustration and patience has been exhausted. 

I would greatly appreciate if you could assist with this matter in some way mediate my concerns.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me.. It belongs it is a corporate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX, I was advised that I needed to take a XXXX private loan. Less than 10 months later, XX/XX/XXXX, I was again told I needed a private loan, this time the amount was XXXX, XXXX. 

XXXX loan {$10000.00} : Two problems with all of this. # 1. FASFA sent {$11000.00} in the months prior to the XXXX loan, why would I need this private loan? 
# 2. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, sent me a copy of my account history. Please note, as XXXX did, a XXXX loan never shows up for XXXX. 

XXXX XXXX {$31.00}. Several problems. # 1, in the months prior to this loan, FASFA sent {$52000.00} on my behalf. # XXXX on the accounting history document, money was returned to the lender in the amount of {$18000.00} and {$2000.00}, and XXXX. 
# XXXX. My credit report shows I defaulted on the entire loan. 
# XXXX. In XXXX, I sent my financial adviser for the college an Email questioning why I even needed any private loan. I am thinking that was when money was sent back. 

I am being sued, my credit has been ruined as well as the credit of my family, co-signers. 

I will include emails, XXXX Account history, the XXXX Loan amnts that were forgiven due to XXXX & XXXX ( XXXX XXXX. Copy of credit report. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was sent XXXX refunds totaling {$710.00} and Wells Fargo has refused to issue a check to send me the refunded amount. They did locate all the refunds but are refusing to send me the amount via check due to a balance on the account which is incorrect because the balance was due to a dispute that was resolved and I was notified that there was no remaining balance on the accounts. I want the {$710.00} refunded to me as it is owed to me, I do not want anything applied to a balance on the account as there should be no balance. The refund should be sent to me and the balance issue can be addressed separately.
Product: Credit reporting or other personal consumer reports

It's a auto loan on my credit report that passed the XXXX year mark in XXXX of last year and I have challenged it XXXX  times XXXX, XXXX & twice in XXXX with Experian and they claim the information told to them by the company is correct and is to remain on my report but when I challenged it with XXXX they removed it with no problem as I explained to Experian & they still won't remove it the account was opened XX/XX/2017 & from my understanding Auto loans fall off after XXXX years
Product: Mortgage

Citizens One Bank is in violation of the Cares ACT Forebearance by not letting me taking advantage of it. There are 18 months to use under this act. This bank is stating that I have been in forebearance for 17 months which is not true. I had a forebearance for 2 months last year which was paid in full and my account was taken out of forebearance. I requested another forbearance this year in XXXX up until now ( 4 months ) and they tell me my account has been in forebearance which is not true ; It has only been in for 6 months. They told me I only have one month left to do a forebearance. I did not request a 17 month forebearance and had no knowledge while I had been previously paying my bill before this second forbearance. They are violating the CARES ACT by continuously running a forebearance on my account I was not aware of. They will not correct it and allow me to take advantage of the CARES ACT. 

This bank is also reporting false information on my account that it is delinquent today. They wont answer the phone to take my call when I am trying to get my account fixed. The supervisor hung the phone up on me.
Product: Mortgage

I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims.
Product: Mortgage

I have a mortgage managed by Wells Fargo, but which they appear to have sold to an investment group of some sort, identified only by a code number. The mortgaged home is in foreclosure for a variety of reasons, but with Maryland 's required mediation, I was optimistic that a modification would happen. I submitted all appropriate documentation, and on the day of mediation ( XXXX XXXX ), both the XXXX and Wells Fargo 's lawyer were stunned that the package was already complete and submitted. Wells Fargo 's position was that they would take 30-45 days to reach a decision on the modification, so the XXXX notified the Court that the parties had been unable to reach agreement -- she said that 's the only outcome when a modification request is under review. Given that the package was complete, Wells Fargo was reviewing, and even their attorney was confident an offer would be forthcoming, there was no direct contact with Wells Fargo during the mediation session on XXXX XXXX. Twenty-four hours later ( not 30-45 days ), Wells Fargo denied the modification request. They stated that I was ineligible for HAMP modification based on my ability to afford the mortgage ( with no reference to the mid-five-figure arrearage ), and that the mystery investor who actually owned my note would not allow a modification because there had been a prior modification on the note. In essence, Wells Fargo rendered the mediation required by Maryland law ( because like everyone else, the Maryland legislature recognized the bad faith of Wells Fargo and its ilk ) utterly meaningless by feigning consideration of a modification just long enough to check the mediation box before proceeding with the foreclosure process the next day. My e-mail appeal to the XXXX went unanswered ; my call to Wells Fargo 's attorney was met with an " oh, well. '' ( I 'd note that that attorney 's boss was previously suspended from the practice of law by the Maryland Court of Appeals for forgery in connection with Wells Fargo foreclosure practices, but was back from suspension and signed my foreclosure docuemnts ). Ironically, days after this deft move, Wells Fargo agreed to pay the largest fine ever for its bad faith in mortgage practice, but the XXXX dollar fine certainly has n't changed anything about their behavior, nor have all the fines and lawsuits that preceded it. I 'm appealing the mediation denial to Wells Fargo, though that 's clearly nothing more than another box for Wells Fargo to check off. It 's hard to understand how both the Federal and State governments can criticize, punish, and try to control Wells Fargo, yet they sidestep, manipulate, and carry on as if it were still 2007 and they were still handing out mortgages like balloon animals to stock their mortgage backed securities ( which is what, I suspect, my mystery investor/mortgagor actually is ).
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF, THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT ME SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED IN THIS DISPUTE! 

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and i have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXXXXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Discover regarding the inaccurate reporting of my closed account on my credit report. Despite the closure of my account with Discover in XXXX, which is now over 7 years old, they have persistently reported false activity on my credit report, with the most recent instance occurring this month, XX/XX/XXXX. 

Under the Fair Housing Act, specifically code 1681 Section 623 ( a ) ( 1 ), it is explicitly stated that inaccurate information must be removed from credit reports. Discover 's ongoing reporting of false activity on my closed and charged-off account directly violates this provision.

I am formally requesting the immediate removal of the inaccurate information from my credit report in accordance with the provisions outlined in the Fair Housing Act. It is imperative that Discover rectifies this matter promptly and ensures that accurate information is reflected on my credit report moving forward. 

I appreciate your attention to this matter and look forward to a swift resolution.