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

What happened ( statement of pertinent facts ) : I am filing this CFPB COMPLAINT to report 11 separate fraudulent accounts appearing on my consumer FICO credit reports which I do not recognize as reported and which are the result of identity theft and fraud. My property Name was used without permission in fraudulent credit transactions and in commerce. 
Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : XXXX ( Private SSN ), Consumer Date of Birth : XX/XX/XXXX ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Equifax/Experian credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXXXXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

In XXXX I had new windows installed in my home. The financing was done through Wells Fargo, who approved me for XXXX worth of credit. I have always paid my bill through my banks " Bill Pay '' option. I have been late minimally, even through a pandemic and a six month period of unemployment last year. 
In XXXX of XXXX my payment was admittedly late. I called and spoke with a Wells Fargo representative named XXXX on XX/XX/XXXX, who said that this fee would be reversed. ( {$29.00} ) She told me said fee would be reversed by XX/XX/XXXX. I called, again, in late XXXX as the fee wasn't reversed from my statement. This time I spoke with XXXX. She assured me that this would be reversed. It was reversed on XX/XX/XXXX. 
However, my payments made electronically through my bank, are taken from my account immediately and sent to Wells Fargo within 24-48 hours. This information was provided to me directly through XXXX XXXX XXXX  this morning, during a conversation with XXXX. XXXX attempted to do a conference call with a representative of Wells Fargo, this morning ( XXXX XXXX, XXXX ) and the representative said that she was unable to do so, as it was a recorded line. (?! ) I spoke with her, and her explanation made no sense so I requested to speak with a supervisor. 
Storm came on the line. I have no idea why this young man is in customer service. He was rude and condenscending. He told me that the original {$29.00} late fee was credited to my balance but because the payment amount that I have been paying monthly ( since the inception of the loan ) didn't match the statement that my late fees, with interest are now {$110.00}. 
This still makes no sense to me, as after my conversation with my bank I think that it's crazy that Wells Fargo is not crediting these funds to my account in a timely manner. Once I hit the submit payment button, the funds are no longer available to me, in my account. 
I took the time to make copies of all of my statements and bill pay receipts as well as the statement from my bank and mailed this all to Wells Fargo on XX/XX/XXXX. I have not yet received a response. 
I am not sure that you will be able to help me but I am so clost to paying off this account in full and I am terrified at what additional fees they will slap on the account before I am able to do so. 
Thanking you in advance for any assistance that you may be able to provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Home ( XXXX ) XXXX Mobile
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX  Account number : XXXX
Product: Mortgage

Provident Funding Associates, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Provident Funding Associates denied a refinance on our second home. Their underwriters tried to force us into a " rental '' mortgage ( at a higher rate ) because our grown daughter lives in the home. Tried to call it a rental even though she is on Title to the home along with us. This deception and attempted coercion should be punished. Provident was aware going into this refinance that it was a second home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both Equifax and XXXX are incorrectly reporting information it is doing way beyond damage to my credit
Product: Student loan

In XX/XX/XXXX, an additional charge of {$1200.00} was added to my monthly bill. I immediately contacted the lender. They stated that it was not correct and would fix the issue. I continued to get collection phone calls and email. I called the lender again after 3 weeks because my account was still showing passed due. Again, the customer service representative assure me that the issue was being resolved. I have submitted emails to the lender via there website twice with no reply. I am now receiving correspondence in the mail threatening to place my loan in default, garnish wages and taxes and report me to all three credit monitors.
Product: Mortgage

Me and my husband were living in Arkansas at the time and trying to find a home in Virginia so we went on XXXX found a agent on there who showed us properties over XXXX. On XX/XX/2020 we found a house we liked and saw it over XXXX with our realtor who said the house was absolutely lovely and nothing was wrong with it. So we put an offer on the house {$170000.00} our offer got approved and we moved on to starting the contract that week. We came to Virginia XX/XX/2020 and saw the house XX/XX/2020 @ XXXX and it was not what we saw on XXXX. The vinyl outside the house is bowed out bad and the main floors inside are warped and have water damage and have sinking spots all in the main floor of house. The house has cracks all in the walls, kitchen cabinets have mold all in from water damage, upstairs has carpet but under carpet is ply wood in pieces that is soft and unstable in some spots. Front porch is leaning to the left side with a sage in the middle. They gave us the inspection report after we signed all the contracts so we never got to see what all they had done. They said they had bought everything and fixed it all but they didnt fix the floors or outside vinyl. Inspection states that there is rotted wood under main floor as to why it was sagging. We told our agent that we dont want this house bc of all the damage and false advertising of house and them saying they fixed everything and did not. Our agent didnt start the process for us to get out of contract till after XXXX  even tho she could have started it that day when we told her no to the house. XX/XX/XXXX we signed the release form. We then got another email from our agent saying the seller will not sign the release form and has legal counsel and an attorney and wants her 3 % of the house for taking off the listing because she had 4 other offers she could have taken. So now we are trying to figure out what to do.
Product: Debt collection

THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of XXXX USC XXXX ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Student loan

At the time I took out the student loans I had every intention of paying them.However as I have explained numerous times to the representatives that call almost every hour between XXXX XXXX and XXXX each day of the week I'm now unable to work and receive Social Security XXXX benefits. I have continuously explained this to them. If I put a loan in forbearance the interests rate added is ridiculous. The amount I borrowed and the amount I now owe has almost tripled. I ask for forms to recieve by mail and complete to try to have my debt forgiven and I dont receive it. They continually call and I continually tell them the same reply. I do not have any "extra" money to make any type of payments. This has ruined my credit and also causes me increased XXXX and XXXX. These are one of the reasons I have SSDI...I'm going to eventually have a need for hospitalizations if they continue to harass me.     It's hard enough for me to deal with the fact that a career I worked so hard to try to obtain through my XXXX   degree is no longer something I can do. I'm so tired of the daily calls. There are days I simply become tearful because of the way they make me feel.
Product: Debt collection

Update the number ( XXXX ) is for XXXX XXXX of the mediations department. 

On XXXX  XX/XX/year> at XXXX XXXX, a debt collector attempted to reach me by phone, and without properly verifying my identity or who he was speeakkng with, disclosed my sensitive personal information, including my Social Security number, to an unauthorized third party. The debt collector stated he was calling about a complaint with a client and that a debt was owed. The caller assumed he was speaking with me and stated I know this is ( my name ) social security number XXXX. Once the caller realized he was not talking to the right person he began to ask who he was talking to. He asked was he speaking to my father or someone else. The caller then attempted to confirm again after realizing he did not verify or confirm who he spoke with. The careless and wreckless behavior on the debt collectors part is a clear violation of 15 U.S.C. 1692c ( b ) of the FDCPA, which prohibits debt collectors from communicating a consumer 's personal information to any third party other than the consumer, their attorney, a credit reporting agency, the original creditor, or the debt collector 's attorney. After attempting verify who was on the phone after the fact, the debt collector became frustrated and threatened to contact my family, friends, and neighbors to inform them about the debt I allegedly owe the company. The caller named several people he said he would call and " see what they have to say about the debt. " This tactic is a blatant violation of 15 U.S.C. 1692d ( 3 ) of the FDCPA, which prohibits debt collectors from publishing a consumer 's name or address in connection with the collection of a debt. The caller was asked are the calls recorded and he acknowledged but also stated the recording would not be released because it is the property of the company. This is a violation of Section 809 of the FDCPA states that a debt collector must provide the consumer, upon request, with verification of the debt, including " a copy of any judgment '' or " a copy of any document in the consumer 's possession ''. A recorded call would constitute a document in the consumer 's possession, and the debt collector 's refusal to provide it is a violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute with the account XXXX number XXXX but Experian instead of addressing the disputed account they went a head and deleted a non disputed item XXXX  account number XXXX. 
so in other words they claim to have updated the disputed account without showing any form of vefication and deleted an account that was not disputed.
Product: Debt collection

I sent dispute letters and contacted them directly for the original contract. If they couldnt please remove this off my credit report, for i do not owe this debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$9800.00}, XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$3800.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$460.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/18 but still reflecting late payments. I called XXXX on XX/XX/18 and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/18. I need this corrected ASAP as I am applying for an apartment on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - XXXX in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN TRANSUNION AND XXXX - PAYMENT SUMMARY AS XXXX REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, TRANSUNION REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXX XXXX
Product: Debt collection

A creditor Lazega and Johanson threatened to sue me on a private student loan debt where the statute of limitations had expired and also threatened to sue my mother who is listed as the co-borrower. In addition they threatened to add fines and additional fees. They then attempted to garnish my wages form my employment which lead to my termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXk someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!
Product: Mortgage

This is complaint XXXX of XXXX complaints against Freedom Mortgage company ( Escrow insurance ). 
XX/XX/year> I received a letter from my Mortgage company saying I am underinsured on my Insurance coverage. The mortgage company is saying the replacement cost is underinsured. They are tacking on {$130.00} to my mortgage. 
XX/XX/year> I responded with my insurance company information stating my policy is an XXXX  at 100 % replacement cost. 
XX/XX/year> The Mortgage company continues to say I will have to pay the {$130.00} and not acknowledge that my policy is not a divide by units in the building policy ( or at least that is how I understand what they are saying ). I want them to explain to me why my coverage is not enough as my Master Policy Insurance people are saying it is and that I meet the requirements the mortgage company is claiming I do not meet. 

This is complaint XXXX of XXXX against Freedom Mortgage Company ( Erroneous Escrow Analysis ) 2025 Escrow analysis on my account as of XX/XX/year> : This information is false and Freedom Mortgage claims I have an Escrow Shortage of {$600.00}.
Product: Credit card or prepaid card

I cancelled my XXXX membership in XXXX because I never really found it useful and the yearly fee of {$56.00} I was charged by Comenity was credited back to me. Unfortunately it was credited to another of my credit cards, not to Comenity. So when this was realized, I made the payment to Comenity along with late fees etc. i wrote the check for {$120.00} on XX/XX/XXXX and mailed it the same day. It was not due until XXXX. I also closed my credit card with them. They say they didnt receive the payment until XX/XX/XXXX. Since then I have received 2 more bills and am now up to a balance of {$82.00}. They say they can do nothing about it because I closed my account with them. I have never used their credit card and it is turning into quite an expense for someone elderly and on a fixed income. 
My account information : acct number ending in XXXX. 

Per Comenity : As you requested, we have closed your credit card account. A monthly billing statement will be sent to you until the balance is paid in full. You do not have any available credit due to your account being closed. 
I do not owe them late fees. This is an injustice to me.I would like it cleared up and a statement sent to me with a XXXX balance due.