23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have lived in my home for XXXX years. In the last XXXX years I have had personal hardship. I lost my business of XXXX years. I went thru a divorce after being married for XXXX years. I also had a bout with XXXX. By grace I was able to keep my head above water. I know have means to pay my bills. I have a loan with Carrington that I am behind on. They are foreclosing on my home. I have funds to pay my monthly payments plus a little more. I have enclosed my bank statements showing I can do so. I just can not pay thousands every month. At least right now. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent in a request to XXXX to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by XXXX  which is incorrect. 

Moreover, Transunion has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
Product: Mortgage

Lakeview/Loan XXXX isn't processing my escrow account in a timely manner. I made several contact attempts, faxed and emailed the information about my 2023 Homestead Exemption forms. I was given false and misleading information. I was told the Texas didn't have that type of exemptions and also the former employee didn't correctly process the forms-was told this on three separate occasions. I was not allowed to speak to a manager nor had access to my online account. In my www.LOANCARE.com ( online account ) was Lock-out again!!! I have a " managed my password set-up '' and when I select password forgot to resubmit the system will continued denied access also the automated system will continue to send vertification codes over & over. Until I demand computer access to customer service staff and instantly my account was UNLOCKED for usage. This online system is a Scam and I submitted faxed my original EXEMPTION forms in XXXX before the Annual Review in XXXX -- however my mortgage payment shows an increased now XXXX. 
This is unfair and I have to submit payment by XXXX XXXX to avoid late!!!
Product: Credit reporting or other personal consumer reports

I've reached out to Experian, XXXX and XXXX numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to XXXX. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the XXXX time to correct this issue.
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 XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Ran My Credit Upon XXXX XXXX XXXX And Realized Information I Sent To XXXX, XXXX XXXX Transunion Were Not Updated To Correct StatuesXXXX XXXX XXXX XXXX Missed Payment Is False, I Did Not Miss ANY Payments
Product: Debt collection

CREDIT ACCEPTANCE CORPORATION has used abusive means in the collection of debt on muti consumer reports CREDIT ACCEPTANCE CORPORATION has written " 30 days past late '' " 180 days pass due '' or " collections '' words like this are very controlling threating and scary statements under 15 usc ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

and ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

The statements made by this company has messed up my reputation also caused me many years of abuse for not being able to finance a next car due to the words that were stated by leaving me with mental instability
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, ALLY FINANCIAL Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus TRANSUNION, XXXX AND XXXX 1. XXXX / XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo owes me a check from a lawsuit and they sent it to a previous address and they won't help me sending another one the current address
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXXXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Today, Monday, XX/XX/2022, I went to use the ATM at US Bank because it is one of the locations that XXXX XXXX XXXX customers can utilize. I was having issues with the machine malfunctioning. I put {$100.00} into my XXXX XXXX XXXX checking account so I could get cash to pay for my taxes being done and my city sticker. I tried putting {$20.00} 5x so I could withdraw 5 of the {$20.00} bills at once. The ATM kept kicking that amount out and only let me withdraw it one {$20.00} bill at a time. That was a real headache in itself. I withdrew a total of {$60.00} ( {$20.00} ) 3x. Then I attempted to withdraw another {$20.00}. The drawer did Not open for me and the ATM spit out a withdrawal slip. Then there was an error message on the screen that read that I should take the money ( {$20.00} ) or it would be retracted. I could not retrieve the {$20.00} because the drawer did Not open. I looked at my checking account on XXXX XXXX XXXX and it showed {$80.00} coming out of my account!!! I immediately notified XXXX XXXX XXXX and they filed a claim. I told them I need this money back in my account right away. I am a senior citizen and I only had a little money left in my account. They told me I might have to wait up to 10 days for a temporary credit!!! This is unacceptable. This is Not my fault. I then contacted customer service at the US Bank Branch where this occurred. They said the ATM belonged to a third party and there was nothing they could do. I asked if they had the name and contact information for the third party and she said they did not??? That doesn't sound right. She told me to file with my bank, XXXX XXXX XXXX. She said the third party would have to do a count of the money first. I asked when that would happen and she had no idea. This is crazy. I need this addressed right away, .I want my {$20.00} back in my account now.
Product: Debt collection

I just found out that there is a collection on my credit report that was reported in XXXX for an old ambulance bill from XXXX with according to my credit report is XXXX XXXX XXXX. That bill was disputed way back in XXXX as to the amount owed and who should have paid it at which time was my medical insurance. To my knowledge this was settled between the two companies and I was not contacted again. 
This was suppose to have been settled and over with way back then. at the time of them opening this account, I had not received any communication from Commonwealth financial system as to dispute anything and should have because I don't owe them and now I find out when I had my credit pull that this is a recent collection and has severely damaged my credit score. I did receive a letter the last of XXXX from this company noting that I owed a XXXX XXXX XXXX  XXXX someone who had purchased the account from the original creditor but the couldn't have because the acct was again to my knowledge taken care of after a dispute back in XXXX and I was no longer contacted my XXXX XXXX XXXX. a the bottom of this letter it says that because of the age of the debt I could no longer be sued for the debt. I know that under the Hippa Law my information should not have been shared, and under the fair credit reporting act this debt from Common Wealth should not have been reported by them as I don't owe them. Georgia statue of limitations is 4 years and In 2016, Congress passed the Medical Debt Relief Act, introduced by Senator XXXX XXXX  ( D-OR ), which is an amendment to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ). If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days. this company also entered the debt under another account number but has the old account number listed. ( is that legal? ) I need help with this please and I want them to validate the debt, as well as take it off my credit report asap until a resolution is accomplished.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Reporting FCRA Violation Against Equifax LLC Dear Sir/Madam, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax LLC . I have noticed a concerning discrepancy on my Equifax credit report concerning my XXXX XXXX XXXX XXXX  account. 

This account, which I opened on XX/XX/XXXX, has consistently remained in good standing with no late payments. However, I have observed that Equifax has removed this positive credit card account from my report. In contrast, my XXXX credit report reflects the positive payment history associated with this account. 

I believe that this removal constitutes a violation of 15 U.S.C. 1681, which emphasizes the importance of accuracy and fairness in credit reporting. This discrepancy not only affects my credit score but also misrepresents my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and insist that Equifax restore my First Progress account to my credit report, reflecting its accurate status. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Credit reporting or other personal consumer reports

Its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment/collection. They have not supplied this information and they must delete/ update to paid as agreed or never late the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the item must be deleted/update to paid as agreed or never late from the report as soon as possible. I have sent multiple letters asking for proof/details. The credit reporting agencies just respond that everything is updated or verified as accurate. I have sent letters to Transunion, XXXX, XXXX and XXXX XXXX XXXX. 



In accordance with the Fair Credit Reporting act 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 rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX XXXX I received a letter XX/XX/XXXX stating late payments would be removed. Since then, theyve been removed then placed back resulting in me losing XXXX points from my reports. 

XXXX XXXX XXXX Ive reached out via mail to send me all documentation in their possession on the alleged debt on my account for review XX/XX/XXXX. I have since then received no response or deletion, therefore it should be removed. 

In addition, my open account with XXXX XXXXXXXX keeps reporting in the middle of, my statement date ( before Im able to pay off balance by statement ) resulting in me losing XXXX points from my reports. 



Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I went into XXXX dealership to test drive a car on the date above and my credit was ran twice. As a result, I would like both inquiries removed. 

XXXX XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 


Resolution : Delete inquiries, delete late payments or update as paid as agreed and delete collection. 

XXXX violations- I expect to receive compensation for each item inaccurately reporting/ reinserted. 

FCRA Section.

611 Part ( A ) ( 1 ). No valid response within 30 days XXXX, XXXX, Transunion and XXXX XXXX XXXX FCRA Section 604 ( A ) ( 3 ). Pulled report without permissible purpose XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX FCRA Part ( A ) ( 5 ) ( B ) ( ii ). XXXX XXXXXXXX late payment reinsertion XXXX XXXX Bank -Payments XX/XX/XXXX and XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX = I opened a Coinbase account in order to buy XXXX, so that I can later transfer my XXXX to another platform and use it to buy XXXX. 
I transferred XXXX $ to my Coinbase account and bought XXXX for XXXX XXXX 
Made the transfer to my wallet in XXXX. 
XX/XX/XXXX still no money. 
Waited 3 days for the transfer to complete and even though it says on Coinbase " completed '', when I click on the address of my transfer I receive a message " error 404 ''. 
XX/XX/XXXX - I waited 1 week for the money to supposedly reach my wallet in XXXX. 
XXXX is not responding at all to my queries. 
The last time I had my money they were in Coinbase 's possession - now they are missing. 
None of the platforms replies. I reached out twice to Coinbase support email, received only an automatically generated email. Nothing about my missing money.
Product: Credit card

I have had a secured card with XXXX XXXX for almost a year now trying to rebuild my credit and have paid it off on a monthly basis with no issues. It has always been my impression that you have a 30 day grace period after your statement date with a credit card. I recently decided to get a new credit card with a {$1000.00} limit from Capitol One who would n't stop sending me offers in the mail. This particular offer said 0 % interest for 9 months and I also remember seeing this on the info when I received the card. I received my first statement showing a balance of {$320.00} on it, just over the 30 % mark that I try to shoot for. After about 3 days I paid {$320.00} dollars on it thinking I will pay a small amount of interest on the remaining {$5.00} once my next statement hits ( which I heard will help your credit even more ). Once he next months statement drops I see that because I left a whopping XXXX $ on there and did n't pay it off in full they decided I did n't get a XXXX grace period and so I did n't only pay interest on the XXXX $ but I also paid interest on the full {$320.00} for the few days I had that balance after my last statement dropped. The biggest problem is that they have a financial term for this it is called residual interest and it is a ridiculous sales practice so now I am stuck with this credit card that has 25 % interest ( ridiculous in the first place should be XXXX ) and I feel like I have to pay off in full the day after my statement drops.
Product: Debt or credit management

I have cash box receipts showing payments made, ( XX/XX/2024 ), ( XX/XX/2024 ) and ( XX/XX/2024 ) to XXXX XXXX. But when I challenged them about those payments and ( fees ), because this was not the first time I requested an Audit that needed to be performed on the account, they sold my loan to Rushmore Servicing. This is not the first time my account has been sold over such matters. Rushmore Servicing repeated the same tactics when I showed them physical proof via emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair actXXXX XXXX XXXX XXXX Account Number 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 connot furnish a account without my written instructions.
Product: Mortgage

Purchased my home in XXXX, piece was XXXX. I put XXXX down, lender went XXXX XXXX and XXXX XXXX for some reason. In XXXX, due to hardship, after trustee sale date was served bY lender HUD negotiated with my lender through the Making Home affordable Act. To this day, XX/XX/XXXX I remain current on the HUD driven loan mod. Is, All Of a sudden, 14 years later and assuming it was included in HUDS XXXX, and with no payment made since since XXXX, Specialized Loan Servicing of Colorado has hired a XXXX XXXX ca attorney who filed notice of default on XX/XX/XXXX which ends XX/XX/XXXX after which they can announce and foreclose on my XXXX  year family home. How was it missed by HUD? It was all original close of escrow funds required to move in. No one went to college or XXXX. Its been over 13 years since I made a payment I had no knowledge it even existed what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you check the documents for accuracy? Some accounts are incorrectly listed with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

According to my credit report ( TransUnion and XXXX ), between XX/XX/year> and XX/XX/year>, XXXX XXXX XXXX XXXX  credit card balance increased by {$320.00} from {$230.00} to {$550.00}. I have contacted XXXX XXXX XXXX XXXX explaining that this card is not mine and they removed it from my credit report. However, TransUnion and XXXX are still reporting it incorrectly reporting it causing an extreme hardship. 


As per XXXX XXXX XXXX XXXX, this card should be removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking. my case is on file but there are outstanding items that have not been removed that I would like help with. I called but the representative did not correctly address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XXXX and XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and TransUnion after I purchased a credit report with XXXX on XXXXAfter receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX and TransUnion on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX