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

These items ( ADDRESSES ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Are inaccurate because i have not authorized nor consented these institutions to run a credit check on me or open new accounts. As well i am a victim of identity theft, I am requesting that these items be removed. Per the FCRA 605 B 15 USC 1681c-2, If i didn t give Authorization for these companies to run my credit or consent for these accounts
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 roughly XXXX, I received numerous emails from XXXX XXXX informing me that someone ran my credit fraudulently with my social security number and credentials. I didn't run my credit at all. This is XXXX! The inquire came from XXXX. I called them to report the fraud and the customer representative informed me to reach out to reportfraud.ftc.gov and make a report. I have applied for the fraud alert on all the bureaus courtesy of XXXX. The company who fraudulently made a credit inquiry is Comenity CapitalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX based on what XXXX XXXX states. This is FRAUD and needs to come off all my credit reporting bureaus immediately.
Product: Student loan

On XX/XX/year> I applied for an XXXX XXXX XXXX plan. On XX/XX/year> I received a notice that the application was received and was being processed. My loans were placed on a temporary forebearance while the request was processed. The forebearance is now set to end in XXXX  days and I can not afford the monthly payment. I have not received any updates on my application nor have I been placed on a new plan. I have tried calling the toll-free contact number but have gotten no response. I may have to put my loans into deferment if my plan is not changed soon.
Product: Credit card or prepaid card

Earlier in XX/XX/XXXX, I noticed that Wells Fargo closed my existing card with them due to inactivity. I wish I had used the card earlier to keep the line open, but I didn't. I believe the card was marked as Closed by Consumer ( Compliance Condition Code XA ) but should have been marked as Closed Due to Inactivity ( Special Comment CI ). This might be implied from the above, but I manage a bank 's credit reporting program. So if that could be fixed, I would appreciate that. But that's not the basis for the complaint. 

On XX/XX/XXXX, I applied for a Wells Fargo card as I want to continue my relationship with XXXX. I was denied - I've never been denied for credit, ever. I have deep lines going back ~14 years, no debt other than my mortgage and a small XXXX student loan ( so, no revolving debt ), no delinquency, ever, and overall I am in no way a risk. Depending on the scoring model and CRA used, my scores are > XXXX, many are above XXXX. I take extremely great pride in my credit. 

I called in and asked XXXX to reconsider the denial that same night. I spoke to a sales agent - I asked to speak to a judgmental underwriter, and was advised that someone would contact me. 

Then, on XX/XX/XXXX I called in again, and was told the same thing. 

Then, today ( XX/XX/XXXX - as I am writing this ) I was told that the app was recon 'd, and the recon was denied. No one called me from judgmental underwriting. And then I was told that there are no underwriters that call customers. Also, the customer sales rep sounded like he didn't even want to be working, didn't care about my issues, and overall was just in a hurry to get me off the phone. He advised me roughly 20 minutes ago that he would transfer my call to an escalations specialist, and I am still on hold - silence, and no one has answered. 

I'm beyond frustrated with this originations process and the lack of transparency with applying for this card, and the fact that I can't speak to anyone in underwriting at XXXX regarding the matter. If someone would actually just look at my XXXX  file ( I believe you pulled XXXX ), then you would clearly see I am a 0 % risk.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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. 
XXXX XXXXXXXX XXXX  XXXX BALANCED {$31000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$520.00}
Product: Mortgage

Please carefully review and read the response issued by Jersey Mortgage Company. Pay close attention to the sales contract  created by a realtor who claims to be a " 24k Customer Service '' realtor representing XXXX XXXX XXXX. I am very upset by XXXX XXXX XXXX 's " 24k Customer Service '' she did not apply her " 24k Customer Service '' motto she claims to bring to the table. The seller even managed to spell his name correctly on a legal binding mortgage contract regulated by the Federal Government nonetheless. XXXX XXXX XXXX realtor did not treat me with her " 24k Customer Service ''. I am not a licensed real estate professional and I can detect a slew of errors on all licensed real estate professionals involved in this Federal Funded Mortgage transaction in the amount of approximately $ XXXX of the government 's federally funded mortgages. I am guessing these real estate professionals were unaware of the countries mortgage collapse. This mortgage is an exact replica of what caused the nation 's mortgage crisis. Please have an experienced mortgage auditor review this mortgage. We can use these as a learning example for a refresher course for all licensed real estate professionals.
Product: Credit reporting or other personal consumer reports

Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006. 

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You have continued to report XXXX XXXX as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.
Product: Mortgage

Since the inception of my loan with US BANK, I have been charged a {$5.00} fee for submitting my payment via the US BANK website if paid after the XX/XX/XXXX of the month. This loan was originated inXX/XX/XXXX the fee continued until the end of XX/XX/XXXX. This covers at least XXXX or more payments. I reached out to US BANK numerous times thorough out the years and they always said " too bad '' Nothing in any of my original loan documents supports such a fee and I feel that US BANK is and was in violation of the Responsible Lending regulatory rule, the violation would be that they didn't disclose all fee 's.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX I received a message saying there had been a suspicious transaction in the amount of XXXX. I did not make that purchase, so I logged in to see if there was anything else I did not notice. I saw multiple charges from other countries that I did not make. I told PayPal this, they investigated for about 6 hours and then told me they were valid. I am out almost XXXX XXXX dollars on fraudulent charges and they have a fiduciary responsibility to reimburse me. I will attach the charges and case number via document.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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

From XXXX I have been in and out of XXXX with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Experian twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my report.
Product: Mortgage

A foreclosure of this property is currently in process. Bank of America holds the second mortgage, a HELOC loan, on the property. The property is held in a Trust in which I am the sole Trustee. I am also the daughter of the mortgagors who are both deceased. The default on the loan is due to the mortgagors deaths and a lack of any funds whatsoever in both the Trust and Estate. I am trying to personally attend to these debts. A restraining order is in place to halt a foreclosure sale that was scheduled for XX/XX/XXXX at which point I immediately placed the property on the market so as to resolve the debts on the property. Despite the fact that this restraining order is in place, we received notice on XX/XX/XXXX from a law firm advising that Bank of America has moved forward with a foreclosure. This is a violation of the restraining order. It is also not in compliance with the Fair Debt Collection Practices Act. I have attached the letter from the law firm with this complaint.

Despite the fact that this debt is not my own, I have been trying in earnest to get this resolved. The property has not yet sold though it is still on the market. I have been advised that I am unable to be reviewed for modification or assumption options, despite my being Successor Trustee, and that my option is settlement of the HELOC, as it is a second-position lien, or sale of the property. With Bank of America moving forward with the foreclosure despite the restraining order and the property being listed, it seems settlement of the debt is the only way to avoid foreclosure. Unfortunately it has been a source of great frustrationand has cost time and moneyto pursue a settlement through a customer relationship manager. In the past I have been provided incomplete instructions, had documents lost, spent money to have them re-sent only to be told they were never reviewed. I have been told I am unable to be in direct contact with the department that handles HELOC settlements which would be the simplest, most efficient and quickest route to a solution for all parties. I am deeply concerned that Bank of America will foreclose before I am able to correspond with the settlement department and resolve this debt.
Product: Debt collection

Calling my brother and sister in law repeatedly. From what I know the legal amount is once. They both work and dont have time to be harassed by phone calls
Product: Bank account or service

Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my Chase checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX XXXX XXXX for {$7500.00} ; and one to XXXX XXXX for {$5300.00}. I initially planned on going to my branch the next morning, but then, in the wee hours of XX/XX/2017, decided to call Chase 's XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed the bank would make good on these fraudulent payments, but the Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My Chase banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX XXXX from Chase 's Executive Office, who told me he would investigate my claim. XXXX XXXX concluded that Chase 's position of denying my claim was unchanged, BUT AS A COURTESY, they requested XXXX XXXX XXXX to reverse the online payment, which XXXX XXXX XXXX did, and I recovered that {$7500.00} payment. He said they were not given the option to reverse the payment to XXXX XXXX for {$5300.00}, and suggested I pursue that payment on my own, and he provided me with the XXXX XXXX account number for me to approach XXXX XXXX about the fraudulent payment. Since then, XXXX XXXX has not helped me, but they did say the account number I provided was a valid account. AT THIS POINT, I 'M CAUGHT BETWEEN CHASE AND XXXX XXXX, AND AFTER A 3-WAY CALL WITH BOTH BANKS ON XX/XX/XXXX, CHASE SUGGESTED I CONTACT AN ATTORNEY IF I NEEDED MORE EXPLANATION. In other words, each bank was confident they need not do further for me. The representative named " XXXX '' from XXXX XXXX Executive Services Dept. gave me an email address at XXXX XXXX for law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. that was assigned my case ) to correspond with. At any rate, I am still at a loss of {$5300.00}.
Product: Payday loan, title loan, or personal loan

I had taken a personal loan out from LoanMe back in XXXX to cover some bills. The maturity date on the loan if not prepaid was XX/XX/XXXX. I made my last payment on XX/XX/XXXX. I then called them to verify that I was done with the loan and was told that was the last payment. 

On XX/XX/XXXX, I logged into my bank account and noticed a payment pending for {$350.00}. I contacted them and was told the extra payments were added on because of an insufficient funds payment from XX/XX/XXXX. I called my bank to verify that info and they researched my statements and the transaction history for the merchant and was told by my bank that there are no insufficient funds for that merchant showing in the XXXX  XXXX XXXX transaction history.

I have the agreement that was executed and the payment settlement sheet that clearly show a loan maturity date of XX/XX/XXXX which I paid. I called them again to try and resolve this and got a completely different story.
Product: Credit reporting or other personal consumer reports

I have noticed multiple hard inquires on my acct. I have been a victim of identity theft and did not authorize these companies. Can you get these inquiries removed?
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having problems with XXXX XXXX credit card and the credit reporting companies reporting my balance and payment history. Im missing approximately XXXX missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1692g - Validation of debts U.S. Code Notes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These accounts I have requested to opt out and not to report anymore on my credit reports Experian, XXXX and XXXX. XXXX XXXX account number XXXX, XXXX XXXX XXXX  SS account number XXXX. This clearly states as the consumer these accounts are closed and I want these to be removed immediately and not reported ( updated ) on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX  XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 ( a ) ( 4 ) I have the right to privacy.

15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : 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.