23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Foreclosed on by boa after loan modification was given which raised our payment $ XXXX. We properly filed paperwork which detailed multiple medical issues with my wife who had 2 different XXXX & treatments over a 17 year period. I have documented proof of securitization9bana, cig, hfi,1ST LIENS , GOV REW ) & multiple sales afterward. We tried for many years to talk to boa but were consistently told different answers, transferred to other depts., disconnected, told boa did not receive docs, etc., etc., I eventually hirde an attorney who was also given similar treatment ( XXXX ) until we ran out of time & money, just like millions of other American families! so sad!!! It all started with our original mortgage with countrywide, which began this fraudulent nightmare. I have a lot of documentation to support this illegal foreclosure & hope you have the integrity & honesty to assist this American consumer who could have easily been you or someone in your family! 
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Product: Credit reporting, credit repair services, or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I check my report regularly, and everything was fine before, but now these discrepancies appeared out of nowhere. I refreshed my browser, hoping it was a simple error, but the inquiries didnt go away. Im extremely frustrated and demand that the documents Ive provided be reviewed thoroughly so this issue can be resolved for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, XXXX XXXX   XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the agency attempting to collect on an unverified debt.
Product: Money transfer, virtual currency, or money service

I received several calls from representative claiming to be from Bank of America. This happened on XX/XX/year>. They called at approximately XXXX XXXX. The number they called from is XXXX which is the same phone number is the bank of my debit card. They had all my personal information and they said that they needed to assist me because there was fraud on my account. They needed to transfer my money to a new account in order to avoid my funds to be taken due to fraudulent charges. They asked me to sign in to my account and do a couple things on there that I am not familiar with. I told them I was not familiar and I didnt feel comfortable doing that they sent me notifications and they confirmed my information and their phone number so everything seem legitimate. After I got off the phone with them. I received some emails from Bank of America saying we noticed some transactions on your account. At that point I felt something was wrong and I called the bank. 2 hours after receiving the fraud call I called the bank and told them what happened. I told them I didnt authorize and had no knowledge because I was tricked and fooled into logging into my account. The bank promised to freeze my account and place the transaction on hold. They also said that they would contact the other bank to let them know it was fraud. My account had a fraudulent wire transfer for {$1500.00} placed on hold and my account was frozen. How ever the next day the transaction was allowed to go through without my consent and the funds were stolen and taken from my account. I am a single mom and I do t have much. I dont have money for food or for the holidays. I have never used a wire transfer before and I am so confused as to why the bank would allow the transaction to go through after I explained to them that it was fraud because of the representatives impersonation of the bank and the calls I got directly from their phone number. Bank of America is not being helpful. This is all the money I had to pay my bills and this is extremely stressful and upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2019 at XXXX : XXXX I called XXXX XXXX XXXX XXXX about a credit alert I received. It stated that I had a closed account ( charged off as bad debt profit and loss write off ). I explained to the person that I had not received any letters in the mail stating that I own {$110.00}, if i did I would have payed that off. I then told the person that the banks actions have affect my credit score negatively, what can we do about this. She stated If you pay the {$110.00} we will remove it from you credit, I agreed and paid the account immediately. as of XXXX. The account is still on my credit as unpaid debt. I've held up my end of the agreed upon action but not them.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, NY XXXX tel XXXX email : XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX tel XXXX RE : XXXX credit file report # XXXX for XXXX. 
A hard inquiry was placed on my credit report by Kohls/Capone that has been on my credit report and will remain until XX/XX/2022, that has caused me harm. I went into your store that offered 35 % off if you apply for credit at the cash register. I have an excellent credit rating and score and was absolutely sure that my credit application would be approved. I want to know why my application wasn't approved? I called Kohls/Capone from the Kohls store. Customer service could not give me a reason why my credit was denied. I had to wait for a letter from Kohls/Capone, which came in the mail 30 days later. Customer service assured me that this would not count against me, and would not show as a hard inquiry on my credit report. The hard inquiry placed on my XXXX credit report by Kohls/Capone does not show on XXXX on XXXX credit reports. My complaint is that Kohls/Capone has no intention of approving and issuing the 35 % off credit the same day. My complaint is that Kohls/Capone has deceived me with this bait and switch tactic at the cash register to obtain my personal information, address, telephone number, social security number with no intention of approving my register credit application. The cashier only asked for my driver license and my social security number. The cashier did not and can not collect enough information or enter enough information about the applicant in their system for Kohls/Capone credit department to make a credit decision. My complaint is that Kohls/Capone should not be allowed to steal customers personal information when they have no possible intentions of approving instant credit at the sales register the same day. After they denied me credit Kohls/Capone provided negative false hard inquiry information on to the credit beaurls. I want Kohls/Capone to remove the hard inquiry that was negligently put on my XXXX credit report # XXXX for XXXX ' Sincerely XXXX XXXX XXXX
Product: Debt collection

On XXXX my adult daughter XXXX XXXX XXXX was in a car accident driving my car and was taken by ambulance to XXXX XXXX XXXX XXXX XXXX. She was not cooperating with the trauma team due to her condition and XXXX admitted her using my name and date of birth ( I'm assuming they obtained my name from the vehicle registration ). Even though they had her medical card! I was horrified to find out my medical privacy was violated when I noticed my daughter 's ER visit to XXXX XXXX XXXX XXXX XXXX was entered into my XXXX XXXX medical record as if I was her and the patient on that XXXX visit with them! They have may age, height, and weight all incorrect as well. I also received a collection notice attached here for the services they provided to my adult daughter. She is not a dependent and does not live with me. I've made numerous calls to the XXXX XXXX XXXX at XXXX and each time they assured me the information is corrected. Here we are months later and the information is incorrect in my XXXX medical record. They need to correct the XXXX XXXXXXXX XXXX link now. They also need to correct the billing information from the XXXX XXXX XXXX XXXX XXXX and CMRE FINANCIAL SERVICES , INC to reflect my daughter 's information XXXX XXXX XXXX XXXX. XXXX. I filed a dispute with them too and I'm unable to obtain what they are asking for because I was not the patient! Any assistance you can provide will be much appreciated!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/2020 I mad a settlement for {$700.00} from the balance of {$4400.00} a special off from. westlake financial in retun they will close the account they did not close the accounts and I can claim the balance at the end to IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent an Affidavit of Truth to Transunion certified mailed ( XXXX ) and green receipt returned and signed. 

The affidavit of truth states that transition is in several violation of federal law 15 USC 1681b ( a ) ( 2 ). I never gave transunion consent to furnish items on my consumer report. 

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 shall be excluded from a consumer report. Transunion is in direct violation and has violated my rights as a federal Protected consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorce decree assigned two accounts to my exwife. She then filled bankruptcy. I have tried to get them to get these off my cedit report for years. They finally closed the accounts 2 months ago, this is from clear back in 2011. Now they will not take these two accounts off my credit record and are still reporting as a charge-off on my report. 
I have tried in good faith and have sent them the documentation to prove this!
Product: Credit reporting or other personal consumer reports

I checked my credit report with XXXX XXXX, Experian, and XXXX, and noticed that my personal information is not 100 % accurate. I want my personal information to be updated and reflected on my credit report accurately upon receipt of this complaint. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times but the bureaus are not responding accurately. I told them that I do not recognize this account and also demanded a proof on how they dealt with the information that they indicated on my report but still they did not deleted this account.
Product: Mortgage

When I make extra payments to be applied to the principle they apply it as a payment. I emailed them on XX/XX/XXXX and no one has responded. I also tried calling 3 times and Ive waited on hold as long as 20 minutes and still unable to speak with anyone. I want to make sure that extra payments Ive made in both XXXX and XXXX were applied to the principle only.
Product: Debt collection

I received a phone call on XX/XX/2023 at XXXXXXXX XXXX  from the Afni subrogation department, during which a representative of the company essentially threatened the suspension of my driver 's license and registration if I do not pay the debt that they allege that I owe. The phone call was an attempt to collect on an alleged debt, and the representative tried to use scare tactics to motivate me to acknowledge and pay said alleged debt. It is my understanding that this is not a legal practice by collection agencies, and according to section 807.5 of the Fair Debt Collection Practices Act, the threat to take any action that can not legally be taken or that is not intended to be taken is a violation of this section. I believe that the representative of Afni collections violated the FDCPA by repeatedly suggesting that my license would be suspended if I failed to acknowledge and pay the alleged debt.
Product: Credit reporting or other personal consumer reports

I have been trying to update my phone number on my file and this system is not allowing me to update my phone number my phone number is XXXX it is no longer XXXX Please assist me in correcting this matter the problem is not so much getting the credit score as it is getting a fair credit score it took about four months to get the credit bureau to update my credit file properly when they updated my credit file they removed almost all of the negative reporting information on my file which now shows a lot of positive credit information where's I only have 4 negative reported items on my file I have about 9 positive items maybe even 11 positive items on my credit file but they are giving they have reduced my score instead of increased it so when I asked them why they reduced my credit score the only thing they could tell me is that they use a FICO 8 model to calculate my score when I said to them that this seems to be unfair that even though I have so much good credit history and activity why my score went down my score never went above XXXX even though from XXXX XXXX I paid all of my debt and I have been keeping my credit payment history in good standings with the only credit that I have two of the four credit report reports from two lenders are not quite accurate but they are actual reports on my file two are still in dispute which I am apparently going to have to take those companies to court nonetheless the credit score has only gone down from XXXX to XXXX after removing all of the negative stuff from my file and reporting it properly then instead of my score going up it remained low it only went up XXXX points whereas when they dropped it they dropped it as I said from XXXX XXXX to XXXX which is approximately XXXX points why it dropped so much but it only increased so little I am bothered with and it is costing me the ability to get credit from creditors When I asked to speak to the department that programs this FICO eight 's credit score model in order to find out why they have reduced my score so much and have increases so little all they kept telling me is that my score is calculated by the FICO 8 model which they still could not explain to me or would not explain to me what this FICO 8 model is I am very angry because I feel that this is discriminatory practice I know of people who I've spoken with one specifically came out of XXXX with a very negative credit report and within six months his credit score was increased and he was able to get a car loan and not to sound discriminatory but this person was a XXXX person a young XXXX guy that I know
Product: Mortgage

We refinanced our home. Payments were made during the process and not credited to the new loan amount in the amount of {$1500.00} XX/XX/XXXX We were told our loan had been through final approval via email XX/XX/XXXX We emailed processor and asked if the final loan amount would be updated to the correct payoff/refinance amount XX/XX/XXXX We were told via email that the title company and the closer would be collaborating fees, leading us to believe that the loan amount upon actual close would be updated and correct XX/XX/XXXX We were We via phone spoke with the title company twice *We had a very short time to set the close date XX/XX/XXXX Contacted the title company twice during the close process because the figures were incorrect XX/XX/XXXX Multiple phone calls to the mortgage company via phone to try and get in touch with the processor, the closer and costumer service during the closing XX/XX/XXXX Multiple emails to processor concerning the loan amount during closing *was told we were unable to get cash back at closing in Texas *was told it was a rounding issue, they rounded up to prevent getting cash back *was told we would get overage back after close *was told there were fees and interest *was told the loan officer would call me XX/XX/XXXX Loan officer called and emailed, we missed the call however we called and emailed back the same day. We were not able to speak with him XX/XX/XXXX Called and emailed the loan officer in an attempt to contact them again XX/XX/XXXX Called the mortgage company and the closer 3 times, trying to get in touch with someone who could help us address the issue. Was transferred to multiple departments, spoke with multiple people who could not help us. 

XX/XX/XXXX Called the mortgage company to leave multiple messages for the various departments and people we'd been in contact with. Was told that the loan officer would contact us - we never heard from him XX/XX/XXXX Lodged a formal complaint with the mortgage company via email XX/XX/XXXX Blanket response from mortgage company saying the issue was sent to the Customer advocate who would be in contact with us - we never heard from anyone XXXX Called the mortgage company using multiple numbers including the number in the Customer advocate email, was transferred around, left messages spoke with multiple people who could not help us XX/XX/XXXX Called the mortgage company attempting to seek help, no one could help us, could not help us, left message for the loan officer who we were told would contact us and did not hear from anyone XX/XX/XXXX Called the mortgage company again, was transferred and placed on hold almost 4 hours. We used another phone to call them again to speak with someone in management, placed on hold several times. No one was ever available. Left messages again, let them know the attempts and the problem, that we'd filed a formal complaint and were going to seek outside complaints. Have not heard from anyone.
Product: Credit reporting

yesterday i received an alert that I had XXXX. I called the number that was attached to the alert and the number is not in service. I XXXX the company and tried to call the customer service number but i was unable to get a representative since the only way to speak to someone was to put in an account number. I called trans union and asked to speak with a special fraud agent in the united states. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less )
Product: Credit reporting or other personal consumer reports

My request was for the following to Experian : My Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one above. 

This was the response from Experian : We store address information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the address you questioned and it is a part of your credit history. 

Provided information to Experian : 15 USC 1681 a Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The current personal information being furnished is inaccurate, not relevant, outdated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

ONE THING IS THAT THE BANKRUPTCY COURT SENT ME A LETTER SAYING THAT THEY DONT EVEN REPORT TO AND CREDIT BUREAUS EVER AND THEY ARE NOT SHOWING THE CORRECT SPELLING ON EACH bureau IT SUPPOSE TO READ U.US. BANKRUPTCY COURT OF XXXX TENNESSEE it's NOT SHOWING THIS AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I may be reached at XXXX to confirm
Product: Debt collection

Collection agency sending me an email that contains request for payment for a debt. The email contains a request for my employer to provide info about me as if it is for garnishment.