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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 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

My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with  XXXX  missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made  XXXX  payments since   XXXX   of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with Transunion. I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my  FICO   down  XXXX  points.
Product: Mortgage

I've been noticing the last two and a half years that my escrow is a negative and I just started ever since Corona and I lost my job I've been able to analyze my escrow and I've been putting in a couple complaints with the escrow department through SPS for them to check my escrow four different times and they keep sending me letters back stating that they've checked it everything 's good but I have found several mistakes in the last two and a half years actually I called them a couple months ago and they just had to readjust for my insurance premiums so if you could call me at XXXX and I can explain further and show you an email you copies of the information I have gather through my escrow analysis of the mistakes that I see and I also have caught them paying my taxes more than twice a year and also the amount that is paid every year they have over it and never given me the credit back
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Student loan

My defaulted student loans can ONLY be handled by Performant because of the owner of the loan. I would like to reahab my payment plan. I have tried on several occasions to set up a payment plan - specifically the income driven plans since I am poor. 
They said that they would send me the paperwork and details. and after two whole months of waiting, I called them and finally they sent me something, a statement of my loans ... but what I asked for was the paperwork details of this contract which I was to begin payments on. SO, I called them again, and asked why. She said that I had to give her my credit card information and begin payments BEFORE signing a contract or agreeing to anything. I told her no way, and hung up. 
O began talking to XXXX XXXX XXXX, and they said that I was correct, that I should not give any money until I receive a written explanation and contract. 
I spoke with Performant again on XX/XX/XXXX. This time, it was with a different woman, and she said that they would transfer me to a different department after I gave my credit card information to her and made my first payment. I told her no way -- that it was shady business, and that she would n't handle he personal finances that way and neither would I. 
I am filing a complaint today because I have no other recourse. The people who own my loanssay I have to use their collection agency and yet, I can not be convinced without paper contract.
Product: Credit reporting or other personal consumer reports

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. That is very unfair. The account is fraud and I request for it to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. Here 's the fraud account info : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo I had money sent from my cousin never using it before. Tried to set up my account it's easy and can be done quick it says. I never got to open an account they froze it told me to verify my identity. since I can't, It stays frozen. Until I get my new ID which I am in the process of trying to get. I can't access anything and my cousin can't get her money back. They refused to return it. Told me there is nothing I can do. First time ever using this and they are holding the money hostage. They had me talk to the manager and just kept ignoring my questions and saying irrelevant information. I think they are running a scam. I want my money or a refund to the person who sent it. This has to be illegal. I was never a customer never used the app or venmo and have a frozen account was never Informed I had to verify my identity either. I just read tons of complaints about this company and never will use it again. They scam people after freezing their accounts for 180 days then keep their money. Something needs to be done about this.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Collections Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureausXXXX  removed account from Credit Report but XXXX and XXXX did not. ( Between XX/XX/2024 and XX/XX/2024, your PORTFOLIO RECOVERY collections account was removed from your credit report. ) Portfolio Recovery Collections Account reported 2 separate account numbers that were also disputed and removed from only one Credit Reporting Agencies Last 4 digits of account numbers # XXXX and # XXXX
Product: Debt collection

I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on XX/XX/year>. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that you immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries on my credit report and I did not apply to any of those companies.
Product: Mortgage

In XXXX of XXXX I contacted XXXX XXXX of BBVA and applied for a refinance of a mortgage loan on my investment property. I specified that my investment property was in the name of my XXXX which I wholly own. I also expressed my desire to maintain the loan in my XXXX name and also apply for a line of credit on the same property. By mid XXXX I had submitted all documentation requested and was under the assumption that my loan was on its way to a decision from the underwriter. I was told by XXXX not to pay for the appraisal until notified by her to avoid any complication. It was not until XXXX that she gave that notice and the appraisal was complete. The property LTV came in far below 80 % and my credit score qualified for the best rate. 

Many time throughout the process there was no communication as to the status of my loan or when a closing date could be reached. It was not until XX/XX/XXXX that XXXX reached out to inform me that they would not be able to process my loan under my XXXX name and I would have to close in my own name. I informed her that it was unacceptable that I was just now being notified of this. 

Since then I have reached out to several people and departments at BBVA, none of which have called me back or offered any assistance. I have spent over {$500.00} for the appraisal and have no way of getting it back. I need assistance in recovering lost funds and getting a hold of someone who will actually assist in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not have substantial security in place that resulted in a breach of their infrastructure by unauthorized users. Through the breach, unauthorized users were able to obtain my social security number along with other identifying information that rendered my identity at risk of theft.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$120.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$10.00} XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$900.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX. XXXX, XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$250.00} XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$800.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$700.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$760.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$330.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} Fraudulent Inquiries : 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, credit repair services, or other personal consumer reports

I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, Equifax and XXXX over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.
Product: Credit reporting or other personal consumer reports

I had a vehicle that was total, after talking to credit acceptance yes they did tell me to continue making my payment. After having to get XXXX vehicles I called and ask what could I do because I just had to get XXXX vehicle and I couldnt make the full payment. They told me they could set me up with XXXX $ payment a month until its was paid off. Not once they said after setting these payment up each month you will still have a remaining balance, I didnt know that. The way they made it sounded like XXXX $ a month and you were good until paid off. Until I got a XXXX late payment on my report. I called to see what was going on and they told me because I had a pass due balance after I thought XXXX $ a month and everything was good..today XXXX I just got off the phone with credit acceptance and she told me sorry for the confusion but the people that made the payment plan with me are not train for credit, I than told her so its my fault that I set up payment plans and they didnt tell me if I didnt pay the full payment it was be late after they told me I was good paying XXXX $ a month.. only thing is request is to get my late payment remove from my credit. I paid off the Vehicle now. I just want them late payment removed.. she said she did ask for their employee for more training on that part..
Product: Credit card or prepaid card

I had XXXX charge me from my XXXX year old daughter 's phone. These charges were not authorized by any adult> Neither XXXX nor Barclays would credit these charges. 

Transaction Date Description Category Amount XX/XX/2021 XXXX XXXXXXXX  - {$30.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$29.00} XX/XX/2021 XXXX XXXXT - {$57.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$55.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX - {$77.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$44.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$27.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$26.00} XX/XX/2021 XXXX XXXX - {$53.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX {$53.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX  - {$53.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX  - {$31.00} XX/XX/2021 XXXX XXXX {$67.00} XX/XX/2021 XXXX XXXX {$74.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXXXXXX {$42.00} XX/XX/2021 XXXX XXXX {$42.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$36.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX  - {$10.00} XX/XX/2021 XXXX XXXX  - {$15.00} XX/XX/2021 XXXX XXXX - {$40.00} XX/XX/2021 XXXX XXXX  - {$31.00} - {$1600.00}
Product: Vehicle loan or lease

following up on previous complain # XXXX This is because the answer received from Nissan Auto Finance is not fair that I have decided to solicitate for the second time your expertise. 

1. it is true that I have postponed 4 cycles payment 2 in XXXX after loosing my Job and 2 in XXXX dues to Covid 19 and the lost of my business at the airport. 

2. During both time Nissan has never informed of any late fee or any interest in using this privilege to rescheduled the payment of the Loan. 

3. Nissan knowing the reason why I was postponing the payment and encountering some difficulties in generating income Nissan never offered me to refinance at lower APR.

4. Nissan in doing so has privileged their interest instead of my interest but more over Nissan as a financial institution never offered an Annual review on my account
Product: Credit card

Discover card keeps Rising my interest rate to insane levels which is become clear they are ripping me off, I pay my bills on time and I am never late but they keep increasing rate which when I contact them to get rate lower they make excuses! the interest rate on a XXXX balance is {$250.00} per month and I pay $ XXXX- {$500.00} per month on my bill and it does not go down. 
I am retired and on a fixed income and I can not continue to do this, I do not mind paying a fair share but this is crazy and
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account for XXXX XXXX XXXX XXXX is not my account I notified XXXX XXXX on this but they refuse to delete it. Amount XXXX.
Product: Mortgage

Morning of XX/XX/XXXX called Reverse mortgage company for a payoff request. Was advised it would be 3 business days. 
Afternoon of XX/XX/XXXX called to see if the information was available yet because the buyers were signing at XXXX that day. Agent said I'd have it end of business XXXX EST on XX/XX/XXXX. 
Morning of XX/XX/XXXX called reverse mortgage company to see if we could get the request expedited. Agent stated they don't do that and it would be end of business. Called Reverse mortgage again that day at XXXX for an update and received a message that the offices were closed for the holiday. 
XX/XX/XXXX called this afternoon at XXXX XXXX to see where the payoff letter was. Was told that the payoff department was behind and could take up to 7 days now. I stated that was unacceptable. They've had 5 full business to provide a payoff amount. She stated that they had to verify attorney fees. I said attorney fees for what. I told her this is their way of taking more money for no reason. And they prolonged providing the info to charge another month of charges. She said that their lawyers had the account for foreclosure proceedings because we didn't have the necessary paperwork turned in by XX/XX/XXXX. I've been in contact with them multiple times prior to XX/XX/XXXX and was never told I had to have paperwork in by that date. They stated we had until XXXX to get the paperwork in for the extension .We hadn't even had the house ready, cleaned out, Realtor hired or anything to be able to get a listing agreement. As soon as it was ready to list I got the information and emailed it over. I called to confirm they got it. They said that the listing agreement that they received was not accurate. They said there wasn't a price listed on it. So I reached out to my agent the same day and got a listed price on the agreement. And emailed it over to reverse mortgage right then. I called a couple days later to ensure that they got the information they did not. Supposedly I needed to send it to a different email address which I did while I was on the phone with him XX/XX/XXXX. Now I'm told today that they never received that email. That's ridiculous because they received other documents at that same email address prior. This is very frustrating and doesn't seem legal at all. I'm hoping you can assist with getting a mortgage payoff as soon as possible for us. 
I would text screenshots of the emails I've sent with the needed paperwork to request an extension and avoid foreclosure proceedings.
Product: Credit card

Today, I opened a checking account and once I was through, I received an invitation to apply on the website for the credit card. As it was an invite, I applied then got the turndown message. How misleading to invite me then pull my credit just to decline me. I suggest the credit inquiry to be suppressed as I was mislead into apply for a product I would be denied for
Product: Payday loan, title loan, or personal loan

I've recently applied for a loan for an investment property home improvement. The Loan was denied for reasons that don't accurately follow the listed process for credit approval. I have an existing loan with this company, have never had a late payment, and was approved by the company when at the time I applied for it I had more credit debt and inquiries than I currently have. Additionally, my credit score is higher currently than when I was approved for the previous loan. There claim that I have " too many recent inquiries '' for which the total amount is only 4 and this includes there's recent inquiry. The most recent inquiry was 6 months ago and the other 2 are a year old. None of my revolving credit is over 50 % usage yet they claim it is too high. My overall credit is 45 %, and nowhere on the site does it state the threshold of what is considered " too high ''? Based on what they do state on their site which is " Apply, Accept Loan, and deposit '' as well as the " Characteristics shared by XXXX customers '' my applications beyond qualify but the reasons for decision-making do not add up and are misleading and or inaccurate to the process of applying.