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

This late payment does not align with my history of timely payments. I respectfully request its removal and an update to my account.
Product: Mortgage

The servicing of my mortgage was recently transferred from XXXX XXXX to Select Portfolio Services on XX/XX/XXXX. While at XXXX XXXX, I was in an active COVID XXXX forbearance program that began in XX/XX/XXXX and it was still active when my loan was transferred in XX/XX/XXXX, however, the new servicing provider, Select Portfolio Services, has not recognized my forbearance status and thus reported me as being 180 days late on my mortgage. I now have civil damages. My XXXX XXXX just dropped XXXX points while I was seeking loans to help cover costs for losses generated during the pandemic. This is not right and it should be considered criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX  ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

XXXX XXXX did not send any proper paperwork stating I owed a Debt, Equifax did not call me to investigate if the debt was mine or any payment plan If owed would I be willing to make. It has been over XXXX  days and still no response from equifax with my letter XXXX penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692XXXX and abuse have been harassed and have trauma this account in violation. 
Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence.
Product: Credit reporting or other personal consumer reports

Litigation for fraud filed against Mosaic approx 6 months ago. Around this time Mosiac Solar refused a phone payment stating account holder " is in litigation ''. Then Mosiac Solar stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with Mosaic Solar. Account Holder requested several times a copy of statement and asked for account status in past 6 months calling in to Mosaic 's customer service line. Mosiac never informed of any account status or balance and never sent statements. Mosaic Solar has reported account holderXXXX, XXXX and XXXX  days late to XXXX and account holder believes Mosaic Solar and XXXX violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from Mosiac Solar in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. XXXX has been made aware of the situation and continues to report the delinquency.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information Also Known As : XXXX XXXX
Product: Debt collection

Information is being recycled through different companies, that is either not mine or sold to another company and discharged. Most if not all negative items were furnished without my permission per 15 USC 1681a,1 sec602a. Nothing of furnished list is accurate.
Product: Credit card or prepaid card

This complaint is about a XXXX ' store credit card account, with XXXX XXXX, which I XXXX XXXX, the account holder, previously had finally land a problem with my XX/XX/XXXX monthly payment transaction prior to past complications. 
For example ; far as the creditor utilizing a trace of my identity, the last four digits of my social security number, for the last four digits of their telephone number, and posting illegal late fees to my account as well. 
A five year payment history documentation should clearly express and compare my payment behavior to the last late fee illegally post to my account as well as a partial of my social number being the company 's telephone number, Which is a second violation. 
Now so, I would like to possibly claim damages in best interest. Sue or/and cease payment for damages. 
They could not only harm my credit and expose half my identity from a long term, loyal customer of commitment but, to the public, but can cheat me to. They just cant bully, harass and rip off consumers like that. They are way over the line. Please consider I XXXX XXXX opened the account in year XX/XX/XXXX and is currently the ongoing account holder.
Product: Credit card

WellsFargo put " Credit Review Hold '' on my XXXX request to transfer a credit balance of {$3100.00} from our WellsFargo Visa card to one of our WellsFargo checking accounts. They've told me the Credit Review Hold was placed because my transfer request was over {$2500.00}. They also told me that the transfer may take 30-days to be made. The credit balance was due to two XXXX airline ticket refunds by XXXX XXXX amounting to {$3200.00}. This refund amount was reduced by a {$110.00} restaurant charge on XXXX before my XXXX transfer Request. This is a WellsFargo account to WellsFargo account request that historically has been made in 1-2 business days following our transfer requests, albeit for amounts under {$2500.00}. I appealed the projected length of time to complete transfer to WellsFargo Bank Supervisor at time of transfer request with only response being issued a Complaint # that someone at WellsFargo may call me about with-in 10-business days. We're long time customers of WellsFargo with Excellent credit rating and large balances in our checking accounts. I'm of the opinion that WellsFargo is purposely delaying transfer to take advantage of our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian somehow hijacked my XXXX card and signed me up for some unnecessary monthly monitoring at a cost of {$23.00} per month, starting inXX/XX/XXXX. I never approved nor would I have approved of this monitoring. Experian is crooked and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months now, I've sent multiple letters to Transunion to dispute a fraudulent, unauthorized inquiry that was made on XX/XX/21, by XXXX bank. I've called Transunion several times after I mailed my letters in, but the fraudulent inquiry remains on my credit report. I want this inquiry to be removed immediately, please!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit limit has been readjusted back to its previous limit of {$14000.00} as of my last CFPB complaint. However, AMEX also made an error by submitting a XXXX Pull on my existing credit. Instead of giving me more credit they simply reduced the limit on my existing credit card to put on a new card without my knowledge. I've contacted American Express and was told they will ensure that the {$14000.00} will post at the credit bureau. That is not the problem because the {$14000.00} is already reflected on my credit report. I feel that my request for a credit fix fell on deaf ears. They didn't give me anything of value besides the new card they were to give me was canceled an hour after this error. I want AMEX to contact the credit bureau to fix this hardcopy error which lowered my XXXX XXXX. 

( See the previous complaint XXXX )
Product: Checking or savings account

On XX/XX/2020, I opened a Checking and Savings account with First Citizens bank. This was opened with an opportunity to earn {$300.00} with the following requirements : 1. {$50.00} minimum opening deposit 2. Open a savings account 3. Direct deposit at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 
4. Enroll in estatements I completed my 10 debit transactions on XX/XX/2020 and made sure to enroll in estatements, a savings account, and also deposited just over {$50.00} between my two accounts. It is now XX/XX/2020 and I still have not received my account bonus. I have read that a lot of people that also enrolled in this offer have also not received their bonus without filing a complaint. I met the terms and conditions of this offer - I need First Citizens to meet theirs.
Product: Credit card

My complaint is on Care Credit by Synchrony Bank. I applied for the credit card in XX/XX/2021 to help pay for XXXX. I charged the {$4500.00} to the card under a no interest for 24 month promotion. The promotion expires in a few days and they added $ XXXX in interest. I asked how much I had left to pay on the promotion and it is almost {$3000.00}. They stated if I paid that amount before the next due date, they would cancel the interest. I have made {$4200.00} in payments during the 24 months. They stated that I could not chose to have those payments applied to the promotion and that payments are applied as they see fit. I would be happy to pay the remaining {$210.00} before the next due date to cancel out the interest. Yes, I made other purchases over the 24 months, but that interest wouldn't total up to {$2900.00}. The fact that I have made that much in payments but only paid down the promotion by less than {$1600.00} is a scam and predatory.
Product: Checking or savings account

I disputed various transactions with Capital One due to misleading cryptocurrency fraud. Capital One declined my claim stating they did not find any errors. I provided social media message exchanges as well as transaction receipts. The following dates and transactions are what I am disputing : XX/XX/22 {$150.00} XX/XX/22 {$100.00} XX/XX/22 {$52.00} XX/XX/22 {$73.00} XX/XX/22 {$62.00} XX/XX/22 {$110.00} XX/XX/22 {$360.00} XX/XX/22 {$340.00} XX/XX/22 {$150.00} XX/XX/22 {$310.00} XX/XX/22 {$180.00} XX/XX/22 {$100.00} XX/XX/22 {$190.00}
Product: Mortgage

XX/XX/22 - Initiated contact with Reali.com. Filled out an application. 

XX/XX/22 - Locked in rate lock at 2.75 % by agreeing to 1.79 % points. Provided all documentation, including income and assets. Credit is excellent. LTV is approximately 60 %. 

XX/XX/22 - ( email ) Reali asked about COVID forbearance provided by XXXX XXXX. Provided applicable documentation. 

XX/XX/22 - ( email ) Reali updated saying they're still working through the forbearance. I questioned why there would be an issue as I've paid 4-5 months of payments since coming off forbearance and my expectation is lots of people are dealing with refinances post-COVID forbearances. 

XX/XX/22 - ( email ) Ask for update. Response a few days later with no new information. 

XX/XX/22 - ( email ) Ask for another update, express concern on how long it's taking. No response. 

XX/XX/22 - ( SMS ) Ask for an update. Get a response that they'll have an update in the afternoon. No update in the afternoon so contact them again via SMS, again expressing concerns on duration. No response. 

XX/XX/22 ( SMS ) Contact again for an update. 

XX/XX/22 ( SMS ) Response that " investor has come back and will do loan at XXXX % ''. Some back and forth as I was confused since I was locked in with a 2.75 % rate. No reasoning until I mention that it seems like Reali may be misleading customers/falsely advertising rates. At that point I'm told that I didn't qualify for underwriting guidelines. I expressed that I have not received notice of decline/non-qualification. 

XX/XX/22 ( Email ) Copied screenshots of text messages back to original email thread ( to consolidate communications ) and asked for an update. 

XX/XX/22 ( Email ) Received response. Told that second investor has declined and my file has been closed. 

XX/XX/22 ( Today ) According to my account on Reali, the process is still ongoing. I have not received any official notice of decline. According to XXXX, their document processing partner, my loan is still in open escrow and is currently in " Closing Prep ''.
Product: Checking or savings account

I found a non authorized transaction on my debit card paid in another state in a tire shop. I submitted a claim to my bank and my claim was denied twice, the last letter I received stated that the bank was able to determine that a counterfeit card was not used to make the disputed transaction. I called twice to contact the person who signed the letter, the first time he was not available and the person who took my call told me she will pass the message to him, the following day I called back again trying to reach the person who signed the letter, I was on the phone with the lady who took my phone call at the same time she was trying to reach the person by message and he told her his phone was disable at that moment and he can not talk to me, the lady who was with me at the phone assured me he will contact me back. 
I feel so frustrated by this situation because my bank assured many times no liabilities in reference to fraud charges, I feel I was treated unfairly and far from what I would expect from any customer service.
Product: Credit reporting or other personal consumer reports

someone who probably has my personal information, applied for credit cards causing inquiries on my credit report which are the following : XXXX XXXX XXXX, XXXX ( XXXX ) on XXXX.
Product: Credit card or prepaid card

Filed a complaint against equifax 2 weeks ago for fraudulent activity on my credit card that I never used. They are now needing me to send verification of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # ( XXXX ) 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 an account without my written instruction
Product: Debt collection

On XX/XX/23, My case was approved for XXXX XXXX discharge. The next day, XX/XX/23, XXXXXXXX XXXX XXXX called with a robot call that told me to press one to make a payment. Then a strange one came in specifically indicating that " we do not have any bankruptcies or tax forms sent or received on this account, so it is still outstanding. " XXXX on both my cell and work phone. So went through the prompts to see who this was and get some documentation about the debt. It was an automated system forcing you to go to a website to pay. They mentioned a different name and XXXX Bank, and then an amount I could not catch. I went to the website and learned by my social security number this collection company was on my credit report. XXXX XXXX XXXXXXXX XXXX. This debtor is all over my credit report. I am also learning and am ashamed to share that my son may have stolen my identity using several different names. I found out when I was trying to buy my first home. I spoke to my attorney, and he just told me that he would send me a notice of Filling Bankruptcy and keep all phone calls, emails, and letters sent so he could take further action while I was filling out this complaint.
Product: Vehicle loan or lease

Im not sure the name of the company put they took the car back ... they told me if I wanted to return it would be off my credit I returned the car with no problems and its still on my credit
Product: Debt collection

DIVERSIFIED ADJUSTMENT IS REPORTING TO THE 3 CREDIT BUREAUS AN ACCOUNT THAT DOES NOT BELONG TO ME XX/XX/2020 ITS REPORTING AND PREVIOUS UPDATED ON CR AS VERIFIED. PLEASE REMOVE ACCOUNT ITS NOT MINE. letters have been sent out to company previous to this with no resolution other then to verify information and for it to stay on my reports. No balance is reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Transunion Credit Bureau Address : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to TransUnion, XXXX, and XXXX. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports.

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.
Product: Debt collection

I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX - XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Debt collection

An account with XXXX, now XXXX was opened in my name fraudulently. I have contacted them several times due to not even living in the area where service was established. I have submitted police reports and lease agreements which proved that I didn't live in the area much less start the service. They wont do anything to help me, and it is ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three companies ( XXXX, Experian, XXXX XXXX demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this. 

XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?