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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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
Product: Credit reporting or other personal consumer reports

I reviewed my credit report I was surprised to know I am a victim of identity theft and Social Security data breach and I found numerous accounts on my credit report that was not open by me also 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 XXXX  XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 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 and also according to 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 XXXX  years. And 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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on a property located at XXXX XXXX XXXX XXXX. In XXXX, IL on XX/XX/XXXX. My Mortgage Lender was XXXX XXXX XXXX XXXX based in XXXX XXXX, Mo. My first mortgage payment was due on XXXX XXXX XXXX The amount of my mortgage is {$1600.00} I paid that full mortgage amount a week before it was due to the mortgage lender ( XXXX XXXX XXXX XXXX ) and included the payment stub I was given at the closing. By XX/XX/XXXX, I had realized that my mortgage check had not cleared. I reached out to the lender, XXXX XXXX XXXX XXXX to ask if they had received the check. After reaching out to them several times, I was told that they had indeed received the check, but they were trying to figure out if they should wire the money to the new mortgage company who had purchased my mortgage. I had not received any official notification from the new company at this time. I specifically asked whether I needed to write a new check to this new company and was told " No, They were looking into it ''. On XX/XX/XXXX, I received a letter from Select Portfolio Services stating that they had purchased my mortgage- the first official notice I had from this company. The next day, I received another letter from Select Portfolio Servicing stating that I was past due on my first payment and I owed them {$6500.00}. I assumed this was a scam and reached out to my loan officer at XXXX XXXX XXXX XXXX and was told that this was indeed the correct company but that the amount of my monthly loan payment should be {$1600.00}. I reached out to Select Portfolio Servicing ( twice ) to figure out what was going on and was told that I was in default for not paying the first payment and my new monthly payments had doubled in price. Keep in mind, I was already considered in default BEFORE I even knew who had purchased my loan. I was given no chance to even send a payment to the new company. They told me that XXXX XXXX XXXX XXXX  had not informed them of any check they had received and that there was nothing I could do. By XX/XX/XXXX, I was finally informed by XXXX XXXX XXXX XXXX  that my original check to them as voided and shredded. No one informed me nor Select Portfolio Servicing until this point. Once I figured out what was going on, I immediately paid Select Portfolio Servicing the first mortgage amount bringing me current with my payments. However, i am still considered in " default '' and they are demanding payments of twice my mortgage amount each month. I can not afford to pay this amount each moanth and neither company will respond to my complaints. I have officially contested the " default '' and heard nothing./ I suspect fraud. Please help!
Product: Credit card

Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Capital One Quicksilver Credit card.. back in XXXX i reported that 2 identical charges for {$37.00} were charged on my account after i had already checked out of a XXXX XXXX XXXX in XXXX XXXX XXXX.. they started and investigation and finally yesterday Capital one called me and put me on a 3 way phone call with the XXXX XXXX XXXX, first they said that i was charged a resort fee and then after a supervisor of hotel resort said that i was given a discount at check-out that i was not supposed be given.. he admitted that they charged me twice for each room for the difference, since their employee was not suppose have given me the discount.. i explained that it was their mistake and they had no right to charge my credit card.. he admitted that they charged my credit card without my permission or signature and they had every right to do it, i explained it was fraud and the Capital one credit card agent also explained that to them, but they refused to accept any wrong doing.. Capital one agent then told me that i would have to pay for both charges of XXXX.. Capital one recorded the entire 3 way phone conversation ..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX to XX/XX/XXXX I was XXXX  XXXX times and had XXXX XXXX, I ask that the delay in responding to the complaint be forgiven. XX/XX/XXXX i submitted a complaint against XXXX and Equifax i had originally disputed inaccurate, unverifiable and unfair information reported on my public record as per FCRA section 611 ( a ) ( 1 ) ( A ). XXXX XXXX sent a letter indicating my public record file could not be verified therefore it was deleted from their data system. I submited a dispute with the credit agencies for removal of the unverifiable information. XXXX deleted the information as requested. It still remains on my report with XXXX and equifax. They claimed to have verified the information on my report as accurate? I contacted the XXXXXXXX XXXX XXXXXXXX,. I asked them about their reporting of information to the credit agencies. THEY DONT REPORT TO CREDIT AGENCIES!!!! THEY WONT. XXXX never contacted the XXXX Bankruptcy court to verify my information as accurate? a 3rd party verifier or " public records vendor '' buys automated information, its obtained through computer systems like E-Oscar and PACE. Computers make mistakes. For XXXX to claimed my account is verified as accurate is False and a violation of the FCRA. they did not verify through the courts. XXXXEquifax states right on their website they used 3rd party database XXXX XXXX to obtain public record data and verify public record information. On my Equifax credit report under all the information there is a spot to say when the records were verified? Its blank? I will attach screen shot if allowed. In the letter dated XX/XX/XXXX from XXXX XXXX they deleted my public records file from their system this should include anything said to be verified or unverified. If XX/XX/XXXX my file was deleted, how can it be verified as accurate XX/XX/XXXX? Any false verification, inaccurate, unverifiable or unfair item as per FCRA section 611 ( a ) ( 1 ) ( A ), i am requesting be deleted off my public record portion of my credit report. Any methods of verification that are obtained through computer systems or computer generated database such as E-Oscar or PACE is unacceptable, inaccurate, incomplete, and represents a very serious error in their reporting. I will request it be deleted from my credit report
Product: Debt collection

This is my second complaint about DRS. This morning, the day after CFPB closed my previous complaint without any resolution, they texted me again about my brother 's debt. 

I want them to immediately STOP contacting me about my brother 's debt. I DO NOT OWE ANY DEBT. STOP CONTACTING ME.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with Experian, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or Experian.
Product: Mortgage

I keep calling to see where I'm at with the modification and they do not respond to my inquiries, email, onsite messaging and calling leaving messages. 

I am afraid of losing my home which is already in pre-foreclosure status. 

I think they want to keep my house, they pre-foreclosed when I missed only 4 payments from being in a rehabilitation center and couldn't make the payments. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX C XXXX XXXX, AL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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
Product: Debt collection

I have asked to speak with members of management several times and have been denied, they failed to discuss hardship request Regarding vehicle malfunction that was supposed to be covered by wasn't, account managers are rude and unprofessional
Product: Mortgage

I had added autopay to my account with a previous individual. One month I got a notice that my payment hadn't processed. I called and they said there was an issue with the account and that my autopay hadn't processed. I went into the account and manually processed the amount and a late fee was applied. When I called the agent- they're trying to put me through a separate setup for autopay. It's all VERY CONFUSING because none of the autopay issues seem to be directly my fault- as the autopay for some reason from the first encounter was never applied. Yet, when I went in to pay - everything was there for it to be processed. 

See notes for current issues in attempting to setup autopay and bi-weekly payments. I've been having issues since my loan was transferred to NewRez. Everything was fine before then. 

My credit & my equity have been significantly affected since the forced switch of lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act INQUIRES 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act -- -- XXXX XXXX Bankruptcy acct # XXXX XXXX  XXXX Bankruptcy acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ( This account is not mine ) XXXX XXXX XXXX  acct XXXX XXXX Have violated my rights. 15 U.S. Code 1681 Section 602 A states I have a right to privacy ; 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account information without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE Filed all proper documents to Experian in regards, to the public Record filing Case Number XXXX UNITED STATES BANKRUPTCY COURT. and EXPERIAN IS NOT INVESTIGATING MY CLAIM. I'VE filed numerous claims attached the proper legale documents disputing there reporting they have all my documents from, PACER AND XXXX. AND EXPERIAN has yet to block this Public Record.Ive filed a dispute and have received a response the same day this is a clear sign they are not properly investigating my filing of dispute .EXPERIAN has took it upon itself ti ignore my request for a proper investigation and violet my rights under the fcra..
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on credit inquires on my credit report. I have sent Transunion 2 request to verify the information they are providing on my credit report. The first letter sent to Transunion was XX/XX/2018 and the second letter sent was on XX/XX/2018 below are the inquires that are in dispute. 

1 ) XXXX XXXXXXXX date of inquiry XX/XX/2018 2 ) XXXX XXXX XX/XX/2018 3 ) XXXX XXXX XX/XX/2018 4 ) XXXX XXXX XX/XX/2018 5 ) XXXX XX/XX/2018 6 ) XXXX  XX/XX/2018 7 ) XXXX XXXX XX/XX/2018 8 ) XXXX XXXX   XX/XX/2018
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Repeatedly reporting C/O every month. Every time the account updates the statute of limitations is extended, every update makes the account look newer than it is. Reaging the account is illegal. Additionally, the information reporting is inconsistent across bureaus.
Product: Credit reporting or other personal consumer reports

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I opened a checking/money market account with Truist with XXXX Check in the amount of {$60000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter that the account had been closed with no explanation and that I needed to deposit funds to make the account whole and to not withdraw or present any payments against it. 

On XX/XX/XXXX, I went to the bank and spoke with Branch Manager/Assistant VP ; XXXX XXXX in regards and after making a phone call she was instructed that I needed to provide a bank statement from XXXXXXXX XXXX XXXX XXXX XXXX showing the funds were removed from my account. At that moment, I went across the street, got a copy from XXXX XXXX XXXX, and provided it to XXXX XXXX, and she scanned and emailed to her fraud team. She advised the funds are available and the money cleared so there shouldn't be any further issues. 

As of today, after daily calls and holding for over an hour each time to speak with someone who can help me, I still have not received any calls from them and they have not released my funds even though it has cleared.
Product: Student loan

I have been paying my student loan since XXXX. My federal loans were sold to private servicer, Navient and Sallie Mae. When I was struggling to pay, the company steered me into lower payments fixed with higher interest rate, instead educating me on XXXX. My principal balance took more than 15 years to finally significantly reduce. I filed for bankruptcy chapter XXXX, XX/XX/XXXX, and got final decree in my favor on XX/XX/XXXX. I have been paying my student loans the whole time. I attended XXXX XXXX, NY under my maiden name XXXX XXXX, and XXXX at XXXX XXXX. I got married in XXXX of XXXX with last name of XXXX, which was later annulled, and I got married XXXX time in XXXX, carrying name of XXXX XXXX now.
Product: Payday loan, title loan, or personal loan

Personal Loans with Omni Financial will not honor Service Member Civil Relief Act ( SCRA ).