23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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.

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

I remitted an incorrect monthly mortgage payment for XX/XX/2020. It's an typo of XXXX when it should be XXXX. The payment was sent in time but the servicer decided not to process the payment. I realized the error when receiving the monthly statement and the new amount including the shortage. Around the same time, I received delinquent notice from the servicer. I checked the online account, everything is in good order as both payments were applied. 
Subsequently I noticed my credit score has dropped significantly and realized there's a delinquent put through by Loancare. I contacted the credit department via email per instructions from customer service. It replied backed within 1 week indicating the case is closed without any explanation. I checked my credit score and realized it's now changed from delinquent to late payment. Again, I contacted the credit department and same thing that the case is closed. There's no way I can get in touch with credit department or have any actual explanation why it should be treated as late payment when payment was made in time and it's the processing unit decided to hold off not to apply payment until the following month. The error/shortgage can always be applied to escrow as the incorrect amount sufficiently cover monthly P & I plus part of the escrow. And XXXX payment was the month when they tried to adjust the monthly amount with the revised escrow and there's multiple statements subsequently. 
Appreciate your kind attention to the matter. It's extremely frustrating for not be able to speak with customer service who can help or receiving an explanation of why it was first treated as delinquent and then late payment. I have other mortgage where there's a more proactive information flow with email notices, etc. So error can be rectified in a more timely manner. 
Loancare has subpar customer services but jumped quickly to blemish customer credit. The dispute channel and process is ineffective with very little true customer support.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX  XXXX XXXX - XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 ) ( 1 ) A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Checking or savings account

I received a call last Wednesday XXXX XXXX XXXX XXXX XXXX. Understandably as it was the middle of the work day, I was unable to pick up the call. 

Once again, I was locked out of my account. I was previously locked out on XX/XX/2024 and had to lodge a complaint on multiple platforms ( including aa CFPB complaint ) to regain access. 

I have since called Marcus twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and they have yet again been unable to verify my identity, this time citing that my mobile number is not tied to my identity. This is ridiculous and virtually impossible since when my account was locked previously, they were eventually able to verify my identity with a pin sent to my mobile. 

Would be grateful for assistance. 

It is extremely distressing that I have gotten locked out in a span of two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Credit card or prepaid card

I charged on XX/XX/XXXX an online purchase of two bicycles for {$100.00} each. The charge was made to my American Express card but appears on their statement as a XXXX charge. After not receiving the bicycles I reached out to XXXX but received no answer. The company selling the bikes likewise did not answer. I researched the company and found out they are a fake company run by some guy out of his house in Arizona. An entire XXXX video describes this fake company. 
On XX/XX/XXXX I filed a dispute with AmEx. After some 7 weeks I received notice date XX/XX/XXXX that " the merchant '' had responded and the charges are legitimate. [ A copy of the 2-page notice is attached. ] The notice states that the documentation provided by the merchant details the merchant 's explanation. As can be seen, the notice has no such documentation. 
AmEx has done an extremely poor job here. Virtually incomprehensible in my experience with other credit card companies. A brief researching of the merchant would suffice to show their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute through the Consumer Financial Protection Bureau to Equifax this past Friday stipulating that two accounts from XXXX aren't mine. 

I can't believe they are already saying they have verified the accounts. They have clearly violated the Fair Credit Reporting Act. Can you investigate the process of the verification of those accounts on behalf? 

Also, can you investigate the inquiry from XXXX  XX/XX/2019? 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

I purchased my home in XX/XX/2022, In XXXX I had to make an emergency repair to my house ( which i do reside in ). This caused me to fall behind. I submitted a work out package to LoanCare with documentation in XXXX to request a modification to add 3 payments to the end of the mortgage, and bring me current. I have been on the phone with Loan representatives at least 50 times, the first 20 or so I was told I was missing documents which I continuously submitted through their website. For the month of XXXX I was told all of my documents had been received and it was being submitted to the next level. A few weeks later the rep and a supervisor told me that my case was closed for missing documents but that it should not have been so they were escalating and manually re-opening the case because it shouldn't have been closed. I was told to wait 30 days for the review. I was un-trusting of what they told me and this being a week later I called today to check the status. I am now being told the case was closed, and NEVER re-opened. 

I want to keep my house. I want to be current and make good on my promise to pay, however I am being told that it is under review/ not under review/ not to make a payment and I am afraid of moving into foreclosure. This is my first purchased home, I live here with my XXXX  children. I am a single mom working two jobs, i just wants a proper review and a little assistance. I don't know where else to turn. I am not due for XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERV is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account CREDIT COLLECTION SERV XXXX  from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
Product: Mortgage

XXXX XXXX XXXX/Shell Point Mortgage acquired my mortgage from capital one. I'm currently below 80 % loan to value, meaning PMI should be removed from my loan. XXXX XXXX told me that my loan needed to be below 75 % LVT, which it is not, to remove PMI even though I have original loan docs stating 80 % LTV was the threshold. Once XXXX XXXX admitted they were wrong, an appraisal was ordered. When the appraiser called the fee was {$650.00}, which is more than double the going rate according to 9 different appraisers I contacted. on XX/XX/2018 XXXX XXXX wrote me another letter stating that in compliance with the Homeowners Protection Act, they would order a Brokers opinion of value, which would cost much less ( aprox {$300.00} ). On XX/XX/XXXX I was contacted by another appraisal company wanting to charge me {$540.00} for a full appraisal, which is not what was supposed to be ordered. I called XXXX XXXX and spoke with XXXX XXXX and was told, under the advice of her supervisor XXXX XXXX, that a full appraisal is required, no exceptions. Once I informed them of the letter I received in XX/XX/18, the story changed. I was then told at aprox. XXXX CST that a person from the PMI department named XXXX  , who supposedly issued the XX/XX/18 letter, would be contacting me within one half hour. It is now XXXX CST and I have received no such call back.
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period in violation of the FCRA. XXXX XXXX XXXX account number XXXX. 
Attached is a copy of the item on my Experian credit report. Please note the STATUS DETAILS where it states that this account is scheduled to continue on record until XX/XX/2017.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a charge-off for {$2700.00} on account [ Account Number : XXXX ], with inconsistent payment history and unverifiable data. A formal dispute was submitted on XX/XX/year> but no evidence supporting this charge-off has been provided.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 604 ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency can not furnish information about my account without my written consent. Additionally, under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Please update my records to reflect that I was not late for the payments in XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I request that you correct my credit report accordingly. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. I did not authorize these inquiries XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

Comenity Bank charged late fees on less than XXXX dollar and it went to XXXX  for XXXX XXXX and Victoria secret in late fees. This company is fraudulently charging fees and i refuse to pay this
Product: Debt collection

This company harassed my neighbor for me to call them back. No idea who they are and when I tried to call and get information, they wanted my Social Security number. I asked what kind of company they are and they wouldnt even say that. Hung up and blocked numbers after that. Im guessing some type of harassing debt collector. They did not attempt to call me directly and told my neighbor that she is my contact person, which is false since I dont even know her number or last name. 

They called from 2 separate numbers and she blocked them on her phone. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX Bank XXXX XXXX XXXX {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Mortgage

Rocket Mortgage / Quicken Loans gave me a Loan Estimate on XXXX XXXX which caused me to select them over other lenders and initiate my loan with them. On XXXX XXXX, 10 days into a 30 day close, so too late to start with a new lender, they dramatically raised the rate and origination charges.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX and XXXXXXXX XXXX refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to CKS XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further.

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a lXXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent my dispute letter and asked for a thorough investigation Experian response was any information received from the other party is accurate which is not fair meaning they are not doing a complete investigation and " I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' The reporting of these accounts ) is are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) 1 : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit card

I received a late payment on my credit report. I called & spoke with multiple representatives who assured me i was not late. I made payments on time every month. This is the 3rd maybe 4th time now i have had a problem with Wells Fargo. I even just made my payment of {$330.00} & have another payment scheduled for the XXXX of XXXX. The amount of issues i have been having with WF is very stressful. This happened last month as well & they removed the late payment. Im not sure why i keep having a problem but i am extremely disappointed.
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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.

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.