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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TRANSUNION Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They call my work number at least 10 times a day. They come to my house and leave rude messages
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 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : 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 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

Experian continues to fraudulently reported a credit card account that does not belong to me. This account XXXX ( Account # XXXX ) in the amount of {$4500.00} was not initiated by me the consumer and so it is a fraudulent account. I need it to be removed, I am suffering damage to my reputation and its disturbing my ability to operate in the world as a consumer.
Product: Credit card or prepaid card

I got a credit card from BBVA Compass and the limit was {$6000.00}. 
I filed a dispute about a transaction I didnt recognize and they put the credit back to my account. My card was stolen so they sent me another card when i checked my account they took the money back that they already credited before, and their respond was the system did it because I changed the card and they will continue with the dispute. 
I called again to check and one of the employees told me that they won't charge me any late fees and they will put the credit back within 48 hours, but that didn't happen and they charged me late fees twice. 
Then they decreased my limit from {$6000.00} to XXXX without informing me before they did it because I wasn't aware in that time about the late fees they charged me. 
Decreasing my limit affected my credit score and it went down 130+ points. And I'm now trying to move to a new apartment and getting a new car and I can't do that because of their fault. And when I called they told me they can't increase my limit and I have to apply again for me to increase it and no guarantee for acceptance, and it's my fault I didn't pay on time even I owe them nothing.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i checked my credit on XXXX  i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to equifax breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Product: Money transfer, virtual currency, or money service

I authorized a wire transfer of {$2200.00} USD on XX/XX/XXXX @ XXXXXXXX XXXX using the Xoom service. The recipient gave me the wrong bank account information and I needed to cancel the transfer. I have been trying to contact Xoom customer service since XX/XX/XXXX @ XXXXXXXX XXXX. Customer service does not answer their phone. The same message has been playing for over 62 hours : " There is no one available to take your call. Please call back later. '' I have sent emails through their email system and receive generic responses, such as : - " We're so sorry to hear that you're experiencing an issue with Xoom. We're not seeing any problems right now, and we'd like to speak with you further to get more information about what you're experiencing. Would you please contact us? We look forward to resolving this! '' - " our partner has advised us that your beneficiary still needs to complete the required registration with XXXXXXXX XXXX to receive transaction. '' I have asked for one of their customer service representatives to call me back at their convenience to explain what is happening, but no contact has been made. I am trying to understand what is happening with my transaction, and I can't get an intelligent explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX [ CreditorName : XXXX XXXX Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Product: Credit card or prepaid card

My card info was stolen in XX/XX/2020, a ton of fraudulent charges were made. 

A police report was filed, and judging from the fact that all the charges but 1 were removed from my bill, best buy also agreed they were fraudulent. 

However, a charge for XXXX from the list of fraudulent charges is now being charged to my account.
Product: Debt collection

i asked this company to provide me documentation of this so-called debt i haven't received it
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses and a phone number on my credit report that are not mine. I have never lived at those addresses nor used that phone number. 
The addresses are : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX The phone number is ( XXXX ) XXXX
Product: Credit card or prepaid card

I will provide only one instance ( XXXX ) of three cases of fraud that have occurred with my XXXX XXXX card issued by XXXX XXXX  since its issuance in XXXX. In two cases, it involved charges by merchants that I had cancelled services ( XXXX and XXXX XXXX XXXX ) ; in the third it involved breach in data security which allowed someone to use my Synchrony Account to make purchase on East Coast. XXXX XXXX has failed to comply with FCRA, 18 U.S.C. 1681s-2 by failing to correct errors in my credit report, failure provide cardholder agreement, and by initiating reprisals for my filing disputes and fraud claims with XXXX XXXX who provided inaccurate and incomplete payment information to the Credit Bureaus. The following provides chronology of dispute with XXXX and my reporting to XXXX XXXX : 1.  OnXX/XX/XXXX, emailed XXXX ( 2 pgs. ), and cancelled subscription service. 2. On XX/XX/XXXX, called XXXX, spoke XXXX XXXX, CSR with XXXX   XXXX, about having cancelled my service with XXXX onXX/XX/XXXX : a. Informed hadnt received service approx. month ; b. Programming was pixilating and dropping out ; c. Didnt have access to full range of programming was paying ( certain networks couldnt be accessed ). 3. Advised XXXX XXXX to annotate my account that I wanted copy of card holder agreement ; and legal documentation of her statement that consumers couldnt cancel a merchant whom they had recurring service. I then asked XXXX XXXX to repeat back what I had said, and she hadnt put any of it in her database. So, I told her again the exact words to put into her system and documentation I expected to be mailed to me ( see Conversation of Record, XXXX XXXX, XXXX XXXX dated XX/XX/XXXX. I never received any card holder agreement and legal information requested. 4. OnXX/XX/XXXX, mailed 2 letters to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, Certified Mail # XXXX XXXX XXXX XXXX XXXX, indicating merchant XXXX was continuing process debit transactions against my card after my cancellation. Additionally, XXXX XXXX  had not provided me copy of cardholder agreement and legal citation to support their failure to cancel merchant ability process transactions after notification of problems and cancellation of service. a. Voided any business dealing with XXXX ; b. Demanding credit for {$87.00} dollars for transactions processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 5. On XX/XX/XXXX, called XXXX, spoke XXXX ; transferred Fraud Department and spoke XXXX about putting Fraud Alert on my account as had been having many problems with transactions on account. She indicated that she would start a fraud file in their database. 6. On XX/XX/XXXX and XX/XX/XXXX, notified XXXX ( XXXX said put 90-day fraud alert on account and would mail me my rights ( never received ) ; and said they must contact other Credit Bureau by law ) to place Fraud Alerts on my files. Also notified XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to place Fraud Alerts on my accounts. 7. Have disputed the record of account with XXXX XXXX to credit Bureaus and they have failed to correct inaccurate and incomplete information provided Credit Bureaus.
Product: Mortgage

I was offered a Loan Modification Trial Period Plan by my mortgage company, Ditech Financial, XXXX on XXXX XXXX, 2016. Based on the offer, I had to make XXXX consecutive payments of {$1400.00}, beginning XXXX XXXX, 2016. I have consistently made each monthly payment on time beginning XXXX XXXX, 2016, and I still have not received the Modification Package. Each month with my payment, I have made a written request for information about my loan such as are other options available, is the taxes and insurance included in my payment, who is the owner of my loan, etc. I have reported an error with my account. As of the writing of this complaint, I am yet to receive answers from Ditech to my questions., nor do I have the Modification. In fact, just today, I received a call from XXXX of the persons I 've been calling only to say she is in training and still trying to find out whats going on. Please help.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong accounts on accident, Ive tried claiming my card stolen and tried getting money back that was taken from Zelle and never received anything.
Product: Debt collection

I rented a car from XXXX in XXXX. Unknown to me, there was a balance due. I rented another car from XXXX in XXXX of XXXX, and was advised in order to rent another car the balance from XXXX needed to be satisfied. I paid the balance in full in the amount of {$310.00}. 

As of today, XXXX lost my payment, and submitted my file to a collection agency, who in turn has reported to all XXXX credit bureaus that i owe {$310.00}. I have spoken to several dozen people over the past few months people to get this resolved, to no avail. 

Most recent, i have faxed and /or mailed over proof of the payment to all XXXX credit bureaus. I have spoken to XXXX XXXX, the Accounting Supervisor at XXXX XXXX XXXX ) ; and have spoken to XXXX, a Team Lead from Caine & Weiner XXXX XXXX ). All parties have apologizes and assured me this will be updated once they speak with the other parties involved. 

I have been trying to get this resolved for 5 months. I would like this information completely removed from all XXXX credit bureaus, as this was paid in full directly to the creditor, prior to going to the collection agency.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies. These unauthorized accounts are hurting my ability to obtain credit as I am in the process of trying purchase a home for my family. It is my understanding that you will investigate these items to ensure accuracy and remove all fraudulent accounts from my credit report. Here are the other items as well, I am asking you to verify as accurate : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX Na XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous account on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible. 


account name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I have been unable to access an XXXX credit report as the company has blocked access. There seems to be an attempt to indicate that I have provided credit card info on file - I have never provided the company with my credit card for any services. The portal indicates that access has been blocked largely due to a monthly payment. I have never signed up for paid subscription to any XXXX service. 

This has impacted my ability to get information from my bank- PNC. At this time PNC requires an updated credit report with my rental information from XXXX - XXXX in the XXXX section, I am unable to get any service from their agents who indicate that to include rental information, I must have access to XXXX I have been informed that XXXX  is available for free. Yet agents have blocked my access to the account and as of XX/XX/XXXX, I am unable to get any clear, relevant information on the phone or through mailings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Alliant Credit Union for what I believe to be a violation of the Equal Credit Opportunity Act ( ECOA ). 

I applied for a consumer credit plan with Alliant Credit Union. Shortly after, I received an adverse action letter from the institution. The letter cited factors such as debt and accounts but did not provide a substantive reason for denying the credit transaction. According to the ECOA, creditors are required to provide specific reasons for adverse actions, and these reasons must be factors that were genuinely used in their decision-making process.

I believe that the adverse action taken by Alliant Credit Union against my application was not only unjustified but also discriminatory. This action has caused me financial distress and undermines my rights as a consumer under the ECOA.

I request that the CFPB investigate this matter thoroughly to determine whether [ Credit Union 's Name ] has violated the ECOA and, if so, to take appropriate action against the institution.
Product: Mortgage

On XX/XX/XXXX I closed on a home through XXXX Mortgage and XXXX XXXX XXXX. XXXX XXXX XXXX received {$2200.00} in for XXXX Winter Taxes in my Escrow along with other closing costs on the day of closing. According to my contract XXXX XXXX XXXX was responsible for appropriating my tax payments. I received a letter dated XX/XX/XXXX stating that my mortgage loan had been transferred to PennyMac Loan Services , LLC . I was instructed to pay them {$1000.00} monthly per my original contract and was insured that my payments and loan conditions would not change. On XX/XX/XXXX a whole year later PennyMac Loan Service, LLC unexpectantly increased my monthly payment amount to {$1100.00}. When I called and asked why they made a change they stated that the increase was to pay them back for the XXXX Winter Taxes. When PennyMac took over the loan from XXXX XXXX it was already in the contract for XXXX XXXX to disperse the funds to cover the XXXX taxes. PennyMac did not inform XXXX XXXX nor myself at any point of a payment being made outside of the original contract. They are now adding additional amounts to my monthly payments for the next twelve months to recover their {$1300.00} mistake. This appears to be a breach of contract and a violation of my consumer rights therefore I am requesting an investigation to search for illegal practices. My taxes did not increase therefore my payments should not increase on a fixed FHA loan. I have contacted them many times and they admit that they should have sent me notification of that payment sooner and want to discuss easier payment plans so they can recover their {$1300.00} on taxes that I had already paid at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX authorized a credit card for XXXX XXXX XXXX XXXX  in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in XXXX or experian. Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report without any explanation. I routinely check my report, but this time there were glaring discrepancies. After refreshing the browser to check if it was just a system issue, the discrepancies remained. I need your team to promptly review the documents Ive sent and resolve this issue once and for all to put my mind at ease.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

I began this process with SLS Servicing on XXXX XXXX. I am currently in trouble with my loan and was seeking to work out a repayment plan with my SLS who is servicing my loan. I have been in contact with consistantly since XXXX regarding my intentions for my property. I completed a XXXX application to apply for assistance, uploaded the forms. 

I then would call to verify they had everything. I was told on numerous occasions there was nothing else needed. I then would receive a letter indication nothing specific but documents were needed. I would then make a call and the representative had a very hard time figuring out what I was missing. Finally the representative would find the document that they stated was missing already submitted and was over looked. 

This went on from as I stated XXXX to XXXX XXXX. 
Each time between XX/XX/XXXX andXX/XX/XXXX I was told something different by each representative, I have never been able to speak with my appointed representative. I have left several messages for her but no return calls. Finally Last Thursday I requested a supervisor and was allowed to speak with her. She stated there were missing documents, after reviewing my documents sent she found what they had been looking for and forwarded it over to the correct processor. she stated that I should have a final answer within 72 ours it has now been about one week. 

I believe that SLS is attempting not to assist me, I believe they are trying to allow my loan to go into foreclore. I have indicated in my correspondence to them that I am willing and able to make 2 payment a month to get this resolve. I have also let them know that if I need to file bankruptcy to resolve this I will. I can not afford to be in the streets at this time. I believe these are intentional act from this servicer