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

I SUBMITTED A COMPLIANT IN XXXX REGARDING ACCOUNTS REPORTING TO MY CREDIT REPORT THAT WERE DUE TO IDENTITY THEFT AND EXPERIAN IS STILL SHOWING A CELL PHONE BILL THAT SOMEONE OPENED WITHOUT MY CONSENT.
Product: Mortgage

Lennar Homes and Eagle Home Mortgage are committing RESPA violations by offering clients significant closing cost credits if they select to use Eagle Home Mortgage for the purchase of a property. This is a clear example of disparate treatment because they would dissuade clients from selecting their own service provider for their lending needs and instead create a kickback for Eagle Home Mortgage. This needs to be addressed because it limits a borrowers ability to choose a lender they are more comfortable with and are instead incentivized to use Lennars preferred lender.
Product: Debt collection

I found out yesterday XX/XX/XXXX that a company called Enhanced Recovery CO L has reported to the 3 credit agencies that I owe {$1200.00} because of a bill from XXXX XXXX XXXX mobility. I contacted XXXX XXXX XXXX and they deny that I owe them that money and that it is a fraudulent charge. The company Enhanced Recovery CO L,  called me late in XXXX and after the discussion it was my understanding that they understood it was fraudulent because I don't own a XXXX XXXX XXXX mobile phone and haven't for many years. After that I never heard from them by either phone or mail. Yesterday I checked my credit report and saw that they reported the collections and 5 missed payments seriously damaging my credit. As I mentioned earlier, I never received anything in writing from Enhanced Recovery CO L. They posted that I missed these payments XX/XX/XXXX to XX/XX/XXXX. Efforts to reach them by phone led me to a phone with no voicemail box that would not let me even leave a message. There contact information from XXXX is as follows : Enhanced Recovery CO L XXXX XXXX XXXX XXXX, FL XXXX XXXX My contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade has stolen my money, admitted to stealing my money and refuses to give it back because of policies. This involves more than one account. On XX/XX/XXXX, Upgrade took a {$310.00} payment for account ( A ) from my Upgrade Checking account ( B ). The contract I signed for the Line of credit ( A ) stated the payment would be taken out of my XXXXXXXX XXXX  account ( D ), not the Upgrade account ( B ). 
Account ( A ) is in place for debt consolidation loan payments Account XXXX ). 

When the {$310.00} payment ( A ) was taken from my Upgrade account ( B ) in created a shortfall in the account and the debt consolidation payment ( C ) that was due on the XXXX was denied for insufficient funds. 

Upgrade has acknowledged that the mistake was theirs and have apologized. The {$310.00} was removed from my XXXX account ( D ) on XX/XX/XXXX but they still have not given back to {$310.00} they took from the account they stole it from ( B ). They are refusing to transfer to {$310.00} back into the proper account until XX/XX/XXXX, nearly a month after they STOLE it because, " THAT'S THEIR POLICY ''. 

They DID NOT have authorization to take the money from the account they took it from which is straight up theft and they admit to it. They REFUSE to give it back because of Policies!
Product: Credit reporting, credit repair services, or other personal consumer reports

I approached my bank whom I have a business bank account with on XXXX XXXX, 2017 in order to get a line of line of credit, which I will be personally guarantor of. I approach my banker with confidence, because, prior to reaching out to my banker, I went to Equifax and downloaded my credit report and credit score. My credit score is reported at XXXX with Equifax, XXXX with XXXX, and XXXX with XXXX. Anyhow, in speaking with my banker, I received the unfortunate news that I was denied my request due to extremely low credit score of XXXX. The banker stated that they pulled my credit report from Equifax. Immediately, I argued my case with the banker because as I explained to him that I pulled my credit report along with my credit score from Equifax prior to me contacting him inquiring about a line of credit. Unfortunately, it was nothing that he could do. Immediately, I went to Equifax.com to get my credit score. To my surprise, my credit score was again XXXX. That is a 65 point difference. I had my bank forward me the credit report, and my credit report was identical to what I pulled from Equifax HOWEVER I saw the discrepancy with my credit score. I reached out to Equifax, and a representative told me that there is nothing that they can do. Days later, I went to XXXX to see if I can get approved for a unsecured credit card. Again, the problem persisted. Not failing to mention, my XXXX credit score was now XXXX. According to the decline letter, they also sourced Equifax for my credit report and credit score. I need this rectified or I plan to sue Equifax in court.
Product: Credit reporting or other personal consumer reports

XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no Agency is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.
Product: Credit reporting or other personal consumer reports

As a whole my credit profile Is severely incorrect across all 3 bureaus yet they do not even remotely match across the three. I have filed any disputes only to get the same computer generated messages of verified that can not be true because the information is incorrect. Even my basic information such as credit age is incorrect, one says 1 year another says 5 when I have had credit since XXXX some of my precious accounts are even listed but still do not reflect in the age. I do not honestly know what to do, this is less of a complaint but more a lack of knowing what to do as nothing I have done seems to have any effect. it's killing me financially
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from the credit bureaus that I applied for a credit card at Capital One on XX/XX/2020 but I havent, thats a fraudulent application. I had two accounts with Capital One in the past and now Im a authorized user for a Walmart credit card with Capital One but this new application for credit, I have no idea. I called Capital One right away but they dont have any information about a new application. I also received an email from Walmart about an application for their credit card with Capital One that was submitted on XX/XX/2020 so Im guessing thats the fraudulent application the credit bureaus email me about. This has nothing to do with the Walmart credit card with Capital One that Im a authorized user, dont remove me from that account. Please cancel the fraudulent application, made on XX/XX/2020 and remove the hard inquiries from XXXX  and XXXX. Thank you for your help!
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX XXXX XXXX Dear XXXX, Transunion, XXXX : This is a XXXX  that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number XXXX XXXX XXXX  ). An personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XXXX, XXXX, and Equifax FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.
Product: Debt collection

I have received an email from XXXX on XX/XX/XXXX, that my credit has dropped. The collection agency called : Contract Callers Inc, who never contacted me in any form or shape to collect a debt, dunked my credit for XXXX points for a bill of {$160.00}. The reason why I am upset is that I have never missed a payment in my life. My credit is in XXXX and always has been. I paid my bills even during Covid when everyone else was defaulting. But, this particular collection agency uses sneaky tactics of not informing at all. No Mail, No phone calls and no email. Please investigate this agency. You can check with another agency XXXX  and see what reputation they have.
Product: Checking or savings account

On XX/XX/2023 I went to Wells Fargo ATM at XXXX XXXX XXXX, XXXX XXXX, CA to deposit business checks totaling {$14000.00}. The ATM malfunctioned and did not give me my checks back. A screen popped up and I pressed yes not realizing what it was. It was depositing {$.00} into my account. I ran into the bank to get help and they informed me they have nothing to do with the ATM call the number on the receipt. I called the number and submitted a claim and gave them all 8 check numbers and amounts. I was told it would take 10 days to investigate and they would do a provisional credit. I received a letter in the mail stating the same information. After 10 days I called to find out the status and they were still investigating. I received a letter over a month and a half later dated XX/XX/2023 they finished their investigation and found no error occurred and were reversing the provisional credit. I called them to reopen asking how could 8 checks and a deposit slip so 9 items be lost in a lock box on their property! I never received the checks back and you can see that on the camera. It is now XX/XX/XXXX and they still have not found 8 checks and a deposit slip in their ATM and said this is a fraudulent claim. One representative told me to not use the ATM and to have all the checks reissued. I have sent a detailed letter to XXXX XXXX XXXX XXXX, ATM Claims Department and WF in XXXX XXXX. I want to know what happened to our checks and how their is no alarm on their end that nearly {$15000.00} in checks are just gone! 2 of the checks are cashiers checks and 6 are personal checks. I have been reissued 7 of the 8 checks from the clients but still waiting for one cashiers check. I would like an answer as to where my checks went and I want them given back so I can return them to the people who wrote them. This has been a total nightmare!
Product: Credit card

TD Bank is the financing company for XXXX. I purchased a phone using XXXX XXXX through TD. The phone was to be picked up at XXXX XXXX. I didn't pick it up because I decided to return it. XXXX received it back and credited me for the full amount. Somehow, TD is claiming that the full amount wasn't credited. XXXX sent me evidence that it was and stated it is TDs fault. So I am being charged monthly for this erroneously.
Product: Credit reporting or other personal consumer reports

XXXX  it's under is Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not get my permission nor warned me about this being placed on my credit report. Did not authorize!
Product: Credit card or prepaid card

A credit card Acount was fraudulently opened in my name
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Debt collection

XX/XX/2021, THIS DEBT APPEARED ON MY CREDIT REPORT FROM A PLACE I RENTED IN XXXX 2021, I HAD PAID FIRST MONTH RENT AND DEPOSIT AND WAS EVICTED A FEW WEEKS LATER, I RECIEVED A LETTER STATING AS LONG AS I MOVED OUT BY DATE GIVEN AND RETURNED APARTMENT KEYS, I WOULD NOT BE CHARGED, ALMOST A YEAR LATER I RECEIVED A COLLECTION ON MY CREDIT REPORT STATING I OWED XXXX XXXX AND I HAVE NUMEROUS OF TIMES DISPUTED THIS I OWE THEM NOTHING AT ALL
Product: Credit reporting or other personal consumer reports

I am submitting this urgent complaint regarding fraudulent accounts and violations of federal law involving XXXX and other entities. I am a victim of identity theft, and unknown individuals have unlawfully opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. 

The fraudulent accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the following addresses and name variations do not belong to me and must be removed from my credit file : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX Name variation : XXXX XXXX Legal Violations : These accounts were initially removed from my credit report but have since been re-reported without proper notification, violating 15 U.S.C. 1692g ( Validation of Debts ). The failure to notify me of the re-reporting within the required 5-day window is a direct violation of federal law. Furthermore, discrepancies in the open dates and inconsistent reporting violate : 15 U.S.C. 1681e ( b ) ( Fair Credit Reporting Act ) - Ensuring accuracy and fairness in credit reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Prohibiting the reporting of inaccurate information.

15 U.S.C. 1692g - Requiring timely and adequate validation of debts.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) - Criminalizing unauthorized use of personal information for fraud.

FACTA ( Fair and Accurate Credit Transactions Act ) - Allowing consumers to place fraud alerts and obtain free annual credit reports.

Florida Statute 817.568 - Addressing identity theft-related offenses in Florida.

Despite my good-faith efforts, creditors and credit bureaus have neglected their obligations under these statutes, resulting in significant harm, including damage to my creditworthiness and emotional distress.

Requested Actions : Immediate removal and permanent blocking of these fraudulent accounts from my credit report.

A full investigation into the practices of the creditors and credit reporting agencies involved.

Written confirmation of the removal and investigation results within the timelines prescribed by federal law.

Compliance with federal law to prevent further violations of my rights.

Supporting Documentation : I have enclosed the following documents to support my claims : Copy of my government-issued ID.

Copy of my Social Security card.

Police report regarding the identity theft.

Proof of my current address.

Thank you for your immediate attention to this matter. I expect a prompt response confirming corrective actions and investigations. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX and XXXX XXXXXXXX.
Product: Credit card

was charged an over draft fee of {$40.00} XXXX mc charge card # XXXX, exp XX/XX/year> XXXX XXXX. sent 4 charge card payments car payment and 2 utilities, bills in at postoffice at the same time, not one was late, were mailed with plenty of time, got late payment notice in mail, made emergency payment on XXXX on XX/XX/XXXX they cashed the check for {$260.00} which must have mysteriously arrived! I ussuly pay the account on line, but this time mailed it in, I haven't been late on a payment in 40 years, this a good way for the charge card companies to raise the already high interest rate and if they do this to a few thousand people, I'm sure the CEO 'S get a huge bonus Sincerely XXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681 XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 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 adverse item of information, other than records of convictions of crime 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. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( SOL ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.
Product: Mortgage

My mortgage was previously owned by XXXX XXXX. It was purchased by XXXX XXXX, managed by BSI Financial. They have been mismanaging my escrow, refusing to speak with me, and has placed my home in foreclosure for funds they say i owe but refuse to provide an eexplainaction of their findings. I have submitted proof of payments and they still are pursuing my home. I am currently under the Hamp program and have not defaulted on it..I have been harassed since BSI Financial took management of my loan ... They purchased insurance on top proof of insurance already active.. I am currently in a bankruptcy and the stay has been lifted due to inaccurate information submitted to the courts ...
Product: Credit reporting or other personal consumer reports

Under 15 USC XXXXi ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( XXXX  ), 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 ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX 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/year>