23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Without being notified my regular payment of only XXXX that Ive been paying for the past year has gone up to XXXX. I called all of my insurances and even verified that my escrow was paid in full before the end of the year. My mortgage was sold twice and the second time they had to input information in wrong. I called them and they were just as confused. They sent my case to the escalation team and they never got back with me. I need help.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}
Product: Vehicle loan or lease

The car is appraised at XXXX however I am paying {$20000.00} for it. I reached out to the company to refinance the car ; however, I was denied a lower rate of paymet.
Product: Credit card

I took the Citi XXXX XXXX card due to an offer for credit off a flight I was booking. I made the payment for the full amount by phone, received a confirmation # and also a paper statement showing a balance of XXXX. A few days later I started receiving calls from Citi saying my account was over due. I called back and they said the payment had been returned. I attemped to make the payment again and it seemed to go through again. Now a week later the account shows a balance again and another late fee and returned check fee.
Product: Debt collection

We Did a Loan Modification with XXXX XXXX back inXX/XX/XXXX to a low interest ( ARM ) Interest only payment. Our Loan was Sold to XXXX XXXX inXX/XX/XXXX. We always paid on time and never had issues.
In XX/XX/XXXXwe were looking to sell our Home but decided not to because we were told repeatedly by Ocwen and also confirmed with the online statements that the rates remained at a low 1.75 % interest only rate. 2 Months ago we received a letter that our rate was increasing in XX/XX/XXXX and would adjust to the current rates so we decided to sell our home.
when we received escrow documents we were astonished to see that ocwen had added an additional $ XXXX in Principal to over original Balance of our loan. They added Interest payments going back toXX/XX/XXXXas well as Principal unpaid.
we have layers involved but have since closed escrow because we could not afford the newly adjusted rates+ principal payments and could not refinance the loan because of the Loan to value based on their new principal amounts.
we are now stuck after the fact trying to dispute with ocwen the amount and their calculations which we feel are agregeous and misscalculated
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT BY WAY OF THE 2017 EQUIFAX DATA BREACH AND THE 2024 DATA BREACH. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON EACH OF MY CREDIT REPORTS THAT I DID NOT BENEFIT FROM. I WOULD LIKE TO HAVE THESE FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED, TO BE REMOVED FROM MY REPORTS EXPEDITIOUSLY. THESE ACCOUNTS ARE HARMING MY CHANCES AT OBTAINING A CREDIT CARD OR A CAR LOAN.
Product: Debt collection

Supposedly there was an account that was opened XX/XX/XXXX under XXXX XXXX for XXXX acct # XXXX. Then there was a charge off done on XX/XX/XXXX in the amount of {$5300.00}. 
Then back on XXXX XXXX, XXXX there was a Judgment for {$5300.00} with court costs & attorney fees of {$120.00} for a total of {$5500.00}. 

Then on XX/XX/XXXX of XXXX that the company XXXX XXXX took my husbands severance pay in the amount of {$6100.00}. 

Now almost 10 years later XXXX XXXX is coming back again for the amount of {$5300.00} which now they want to Garnish my paycheck. Ive have never heard from them in all the years that Ive lived at the same address and have never moved. If they wanted this money so bad, why havent I heard from them until now My husband and I are living paycheck to paycheck and have more up to date bills that are more important than this bill!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I received my Equifax consumer credit report. I disputed a account that is a CHARGE-OFF account from XXXX XXXX NC XXXX XXXX A CHARGE OFF CAN NOT REPORT AS A ( type of account ) - OPEN ACCOUNT. A CHARGE OFF account is a closed account!!! This is inaccurate reporting and must by DELETED. A CHARGE OFF CAN NOT have a BALANCE. It's a charge off ( meaning ) it has been charged off when XXXX XXXX filed taxes. Therfore XXXX XXXX must report a balance of XXXX as the LAW REQUIRES! That's XXXX inaccurate errors. I HAVE ATTACHED THE MOST RECENT CONSUMER REPORT AND HIGHLIGHTED THE INACCURACIES. Equifax is violated the Fair Credit Reporting Act 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person SHALL NOT furnish any information relating to a consumer to any consumer reporting agency if the creditor knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DELETE THIS ACCOUNT FOR REPORT INACCURATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

XXXX XXXX XXXX, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Checking or savings account

With my CHASE business savings account I found out I was having all kinds of small amounts debited from my savings account over the course of several months. By the time I noticed it ( had to get a new book keeper ) CHASE said they would not refund me all the losses that I suffered. I have a claims reference number with them : # XXXX. These fraudulent charges coincidentally began coming from my savings account almost the day I got off the phone with CHASE about fraud on my checking account ( those fraudulent charges WERE caught by CHASE ) and I had just asked the man on the phone to put extra protections on my accounts. It seems as though they dropped the safeguards on my account and are not admitting ( obviously ) anything. Also, after I contacted CHASE in XX/XX/2023 about my compromised savings account, subsequent fraud charges were caught by their system. 
I feel I should be refunded 100 % of my lost money, because XXXX ) Their system failed to catch so many charges that did not match my normal spending habit ( ACH from Savings account and fake checks written from a SAVINGS account XXXX ) Before when I would get notified by CHASE fraud department and take immediate action, when their fraud protection was working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Mohela Department Of Education by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX. She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXXk several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Uplift violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) 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. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave UpLift any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Vehicle loan or lease

I reached out to the company that i financed my vehicle through and they have not provided me a copy of the documents I signed. They docusigned my agreement without me present. They refused to give it to me even after they took my money. now the account is not in the correct name with the bank and no one can give me an explanation.
Product: Credit reporting or other personal consumer reports

The company reported a debt that I had no knowledge of to XXXX and XXXX. I was notified via my credit card company that there had been a big decrease to my near perfect credit score. Upon further examination, I uncovered a company claiming I owed {$120.00}. When I saw this, I immediately mailed the company a letter requesting a Debt Validation Letter to ensure what the debt was actually for and if it was legitimate. To date, I havent received a single piece of correspondence from the company, and they have reported the debt as delinquent to the credit bureaus. XXXX XXXX removed the reporting error, but XXXX refuses to remove it despite this company, not following any of the laws. 

I simply want a debt validation letter and documentation to support their claim. This shouldve been done long before anything was sent to the credit bureaus. As an employee of the federal government, this type of detrimental error can cost me my job! I want this removed from my credit report until we can determine whether or not. Its actually valid and whether or not its actually mine.
Product: Debt collection

XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1.

2.

3.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 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.
Product: Mortgage

WELLS FARGO XXXX By now I have attempted numerous times to bring to your attention that Wells Fargo IS in fact IN VIOLATION of the " short term mortgage assistance offer- SECTION B '' where it states that you Wells Fargo '' may NOT impact and report this account as ONGOING SERIES OF LATE PAYMENTS '' ... I have attached the agreement AND credit reports where you CLEARLY violated and keep violating this SECTION B - ALSO, you are reporting the past due balance on this account to the bureaus as {$62000.00} WHICH IS WRONG!! and the actual and accurate amount still due to you as of XXXX XXXX, 2017 is {$34000.00} .... ( see attached statement YOU- wells fargo ) sent me! You have violated section B of the contract and violated Fair Credit Reporting Act rules and regulations by reporting WRONG/INACCURATE/FALCE information to the Credit Bureaus and have been damaging my personal credit rating for 2 years now.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed a FTC report. The inquiries are 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, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from XXXX. The caller said that I had a debt on my Tjmaxx reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their XXXX ID number, which is XXXX XXXX XXXX. 

I was suspicious of the call, so I decided to look up the XXXX ID number online. I found a website that said that the number might not be the real XXXX ID number for Tjmaxx. I also found a website that said that there have been reports of people being scammed by people who claim to be from Tjmaxx. 

I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account. 

I have already contacted my bank and placed a fraud alert on my credit report. 

I am writing to you to ask for your help in investigating this scam. I would like to know if the XXXX ID number that I was given is the real XXXX ID number for Tjmaxx. I would also like to know if there have been any other reports of this scam. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2019 an order of tires was place with XXXX XXXX  XXXX. They didn't have the tires at the shop and they said it was going to take days to get them. After some research on use tires for Semi Trucks I decided to invest in new tires instead of use ones, for safety issues. I called the shop and the credit card BBV and asked them to cancel the charge. I explained BBVA credit card that we canceled the purchase and we want it to make sure they cancel the charge, because we never got the tires anyway.

The first time customer service said they no problem, the charge was canceled. They never canceled the charge they send payment to the company. I submitted a dispute about the amount {$1900.00} and they never send me any information about that, and until this morning every time I called BBVA credit card to get information about the charge, they place my call on hold and hang up the phone at the end, it has been about 10 calls and every single time they hang up on me, only one time that I was able to talked to a manager he said he was going to work on it and send me a letter, I haven't receive anything and my statement still shows the charge. I can't find a way to resolved this issue and I can't talked to anyone because they disconnect the call every single time I contacted them. I contacted the shop but they don't want to listen to anything they said call the BBV credit card. We only received threats on writing from the Owner. 

Credit Card : BBVA XXXX XXXX XXXX XXXX AL XXXX Customer services XXXX Transaction # XXXX for the amount of {$1900.00} Shop Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX UT XXXX XXXX