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

Equifax ALLOWED the leak of my very sensitive personal financial information and kept quiet about it for about a month until the company 's directors were able to dump their shares of stock. I was one of the 100+ million Americans affected.
Product: Mortgage

We sent a Qualified Written Request to a servicer and Trustee who seem to be committing ro-bo signing who has refused to produce original documents and is in violation of it consent orders. We remove the companies power of attorney in 2012 for fraud and XXXX XXXX has settled for violating the fair housing act and and they continue to try and take our property under the color of law. there are so many more things that they are in violation and I am asking the CFPB with the laws they are violating. the reason for this complaint goes much further than th
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of an account been reported on my credit report. The account disputed was conserve. The credit bureaus came back and said that the account was reporting on my credit report accurately. On XX/XX/year> they received from me a request for there method of verification. The law clearly states that the credit bureau should provide me with this information within 15 days of me making such a request. More than 15 days have passed and they have not provided me with the information been requested which is a violation of my rights under the Fair Credit Reporting Act. It is my intention to sue for willful non-compliance under section FCRA 616 as there are violating my rights under the FCRA which clearly states and I quote, ''he right is found in the Fair Credit Reporting Act ( FCRA ) Section 611. It states A consumer reporting agency shall provide to a consumer a description referred to in paragraph 6Biii [ the section requiring reinvestigation ] by not later than 15 days after receiving a request from the consumer for that description. 
They have not provided me with the information requested and they have not deleted and so I have gotten a lawyer to prepare an intent to sue letter as the information been reported on my credit report is false.
Product: Credit reporting or other personal consumer reports

A company called XXXX is claiming that a loan account was opened on XX/XX/2024 for {$450.00}. No such account was ever requested. Notices are being sent to email with no supporting information. XXXX claims they can not find the account, after multiple attempts. 
The fraudulent account is negatively impacting credit scores.
Product: Mortgage

On XX/XX/XXXX I made my XXXX mortgage payment of {$2200.00} to Freedom Mortgage online through their payment website. This is a brand new mortgage and this was my first payment to them. These funds were deducted from my XXXX checking account on XXXX XXXX. However, upon checking my mortgage account online I saw that It was still showing XXXX payment as not paid and I was not credited for the payment. I called Freedom Mortgage customer service on XX/XX/XXXX and was told that they reversed the payment for unknown reasons. I was further told that my funds would be returned to my checking account within 2 days and at that point I just needed to submit the payment to them again. 
The funds were never returned. I called Freedom again on XX/XX/XXXX and this time spoke with XXXX. He told me that somehow part of my payment had been placed separately into my escrow account and that he had put in a request for that money be credited for XXXX payment. He told me my account would be credited by XX/XX/XXXX. This never occurred. 
Since then I have made 6 more calls to their customer service department. Each time, I get a new rep who promises that the payment will be credited and it never is. Ive also emailed them twice without a reply. My biggest concern is that this payment is reported to the credit bureau as late even though it was paid on time
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a rental property ( XXXX ) through XXXX. On XX/XX/XXXX, I received a letter from XXXX & EXPERIAN RENT BUREAU stating, I was denied due to SEVERE charge-offs and MINOR late payments. I requested a copy of my report from XXXX and found that I only have XXXX charge-offs and didn't know how this was so SEVERE, a consumer can't rent a property. It seems like these company are OVER exaggerating the items on consumers reports leading to denials and damage. After Further examination of the report, I found they have more inaccurate information on the report leading to the property management questioning my credibility and credit worthiness for renting a property. For my Personal information, they have the address of an apartment I don't live at as my current address. For the lease term of that apartment complex, they have me living there, Begin : XX/XX/XXXX, End : XX/XX/XXXX ( I did not ). For the payment history it shows I ONLY paid XXXX months of rent, but my lease ended XXXX XXXX? This stuff is not alone inaccurate but doesn't even make sense ( UNETHICAL ). I do not have any collection on my credit reports for rental properties but on my tenant report a collection is on there with a XXXX-balance showing I OWE NOTHNG. This is further damaging to consumers reports. 

XXXX XXXX XXXX XXXX also stated " Our office has requested that this item be removed from your credit by sending an electronic Universal Data Form to the credit bureaus. ''
Product: Mortgage

Loan modification documents were signed & XXXX on XXXX/XXXX/XXXX and Nationstar has failed to report the HAMP Tier 2 loan modification to the Treasury as of XXXX/XXXX/XXXX. MHA ( Making Homes Affordable ) Escalation Team has been contacted. Nationstar continues to request extensions. As of today, it has been 7-months since signiture. They state they are unable to upload documents. I feel this could be in retaliation for reporting them to HUD for failure to accommodate a person with a XXXX. Nationstar is aware this is delaying the finalization of 2MP ( XXXX Lien Modification ) paperwork with another lender.
Product: Debt collection

a company name d IDR atte mpted to contact me via postal service, claiming that I owe o ver 1000 dollar s for a debt. The debt they say I owe is to a Credit union in az I believe is called   XXXX   XXXX   XXXX   XXXX  . That credit union attempted to say I owed them money almost a year ago, after I had reported my card missing/stolen just 2 days after opening the account their, and having never even used the card. I had told the credit union to please provide me with at least some/all of any security camera footage of WHEN my card /account had been used., that way both the credit union and myself could prove just if or not it had even been me using the card at all. THEY never provided any footage and kept giving me excuses on why they were denying me that. NOW this IDR says they bought the debt in which was a bogus debt to start. please advise me on how to get them to not try and ruin my credit and harassing me. thank you
Product: Debt collection

I never had a contractual agreement with PORTFOLIO RC. I believe the original creditor, XXXX XXXX, sold my account without proper notification. This constitutes a clear violation of FCRA XXXX concerning the reporting of inaccurate information on my credit report.
Product: Checking or savings account

Hi, I am having nothing but issues with M & T bank. I've made sure to follow every request the bank made to keep on good terms and on XX/XX/XXXX, I have received received letter stating that the bank can no longer do business with me and will be closing my account. I've called my local branch, as well as corporate and they will not give me a reason as to why it is being closed. It is my right to know what, and why this is happening and they refuse. I feel like I am being neglected by this company and as if they do not care about what I have to say. I would like to legal action action against M & T bank if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Product: Student loan

Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. 
I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. 

This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.
Product: Bank account or service

I cancelled an online bill payment to XXXX XXXX online on XXXX/XXXX/16 ( just the occurrence on XXXX/XXXX/16 ; not the entire series ). This payment was still taken from my account through US Bank 's online bill pay system on XXXX/XXXX/16.
Product: Debt collection

company is trying to scam me out of {$350.00}. I'm in the process of purchasing a home and company refuses to remove unknown collection debt. I offered to pay to delete even though the debt isnt mine but company refused. It's hurting my credit score and causing hardship.
Product: Credit card or prepaid card

For months now, I have made payments to my PayPal Credit account with a PAYMENT REALLOCATION request. That is, my total balance consists of several charges made under the " EASY PAY '' ( which allow for 12, 18 or 24  months repayment without interest ), or " DEFERRED INTEREST PURCHASES '' ( which typically give me 6 months to payoff the balance interest free ). Naturally, my intention is to pay the balances with shorter repayment period first. So, when I make my payments, I specifically ask for a PAYMENT ALLOCATION, that is, for a portion of my payment to be applied to the EASY PAY balances ( this would be a REQUIRED MINIMUM payment ), and the balance ( this is not required, but I pay EXTRA each month to help pay these balances off before interest starts accruing ) to be applied to DEFERRED interest balances. 
Each month, my payments are inevitable MISAPPLIED. They are being FULLY credited completely to my lower APR or EASY PAY balances! Each month, I call 7-10 times, explain my situation, and spend at least an hour on the phone! I am told that " a ticket is created for this case '' and that someone in some back office has to go in and manually change the payment for it to be applied as intended. It takes many calls, but the payments eventually get reallocated somewhat correctly ( not 100 % as I requested, but close enough to where it is not worth spending hours on the phone again ). 
Now, since businesses have been operating remotely, the situation has gotten A LOT worse! My last two payments have been misapplied, and I CAN NOT get any help from anyone! I spoke to " representatives '', " account managers '' and " supervisors '' ... ALL TO NO AVAIL! They all sound like parrots, repeating the same lines each time : " we are sorry for inconvenience '', " your case is being forwarded to the proper department '', it can take 1-2 billing cycles for your account to be adjusted '', and on, and on, and on .... 
I just got off the phone ( 1 hour & 25 minutes total! ) with a supervisor ( XXXX ID # XXXX ), who assured me for the 3rd time that " they are working as hard as possible to resolve these issues ''. I have a huge list of names, employee ID numbers and dates of all the people I have spoken with over the last nine months! I will be more than happy to provide this information, if needed. I just can not spend hours on the phone anymore, and now filing complaints! This is inexcusable! The amount of internet aggrievances posted against this company are staggering! Someone needs to hear US!!! 
PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. Please DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting

I was notified of negative activitiy in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, XXXX and TransUnion " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late payments report. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureas that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a XXXX balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintained. Thanks for your support in this endeavor.
Product: Checking or savings account

I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP. 
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED. 
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX. 
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING. 
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT. 

I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY. 

XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT. 
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY. 

IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS! 

LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to Experian, XXXX, and XXXX and they are still reporting it after asking them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate.
Product: Debt collection

Good afternoon, I have been trying to pay off this debt for years with CITI/CBNA.. however the number provided is XXXX XXXX with no information on me.. i have called citbank multiple times and other companies and noone has my information XXXX have disputed this accounted multiple times to get a phone number or better information to comtact these people with no situation solved and this continues to affect my credit and this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried contacting XXXX and Equifax about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXXXXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( 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.
Product: Credit reporting or other personal consumer reports

-I requested a Debt Validation Letter, from AFFIRM INC : Partial Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 SEPARATE ACCOUNTS ) that would provide a signed contract/agreement along with Terms to repay Valid Debts -I received an account statement, which is insufficient to validate an alleged debt -I then told the AFFIRM INC corporation to Cease all Communication and Contact with me, as it pertains to each account and any alleged debt -This accounts were CHARGED OFF in May of 2023, yet AFFIRM INC is continuing to negatively report and COMMUNICATE information pertaining to these accounts and Alleged Debt to all of the credit bureaus & credit reporting agencies .

-This is a direct and blatant violation of 15 USC 1692c. I want all reporting and Communication, as it relates to this account and any alleged debt, to cease and desist immediately, or legal action may be my only recourse and remedy.
Product: Credit reporting or other personal consumer reports

Inquires that were not mine. 

XXXXXXXX XXXX  Date of request XX/XX/2023 XXXX Date of request XX/XX/2023 XXXX  XXXX XXXX XXXX Date of request XX/XX/2023