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

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime which antedates the report by more than sever 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 information is inaccurate.
Product: Mortgage

XXXX XXXX and I entered into a loan modification agreement. 
I sent back all information as requested and Wells fargo claims that a page is not notarized. 
I continued to make all payments at bank for 6-8 months and then Wells Fargo refused to take payment and never notified me why. 
I tried for months to learn why it was rejected. 
Finally in XX/XX/XXXX a service person told me that Wells Fargo had a clerical error. 
I inquired what it was and I was told that a paper notoarized was rejected and that another package was sent out in XX/XX/XXXX via XXXX. 
I never recieved that package or had knowledge that package was even sent. 
The FedEx number Wells Fargo provided is not in FedEx system. 
Wells fargo can not provide any signature that package was received. 
Now they are bulling me and have started court actions. 
I want to pay my mortage and move on. 
They want to start a new deal at a rate that I do not want to afford.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. XXXX has late payments listed as XX/XX/2024 XXXX XXXX and XX/XX/2024. XXXX XX/XX/2024, XXXXXXXX XXXX, XX/XX/2024, and XX/XX/2024. Equifax XX/XX/2024, XX/XX/2034, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card

On XX/XX/year> I went to use my XXXX XXXX XXXX Card credit card at XXXX Department XXXX but the sale was declined. The XXXX clerk tried pulling up my account using my address and also my phone number associated with my account. Nothing she tried worked. While there in the store I called the phone number on the back of my credit card and spoke with the fraud department. After verifying who I was, I was told that I had cancelled my card weeks earlier. I told the fraud XXXX that I hadn't cancelled my card! The fraud XXXX proceeded to tell me my new card had been sent to an authorized user on my account in another state. I told him that I was the only XXXX authorized to use my account and card and hadn't authorized anything like that. I immediately ask him if anything had been charged on the card and he said NO. I told him that seemed odd that someone would go to all that trouble and not use the card. He cancelled the card and sent me out a new card. A few days later while balancing my bank statements I saw were {$1500.00} was drawn and paid to XXXX. I contacted XXXX and told them that the charges made on my account were fraudulent and not made by me. I never understood why the fraud XXXX I spoke with on XX/XX/year> didn't make me aware of that illegal use on my card. Synchrony was reimbursed this {$1500.00} back in XXXX and told me I had to wait XXXX days for my check for {$1500.00}. They would not ACH back to the account that it was drafted from. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year> and again today inquiring about my check. I have had XXXX new cards issued out to me on this same account since XXXX. The last card came in at my XXXX XXXX XXXX XXXX on Monday XX/XX/year> and I activated it on the same afternoon. I went to use this card today for the first time and it was denied. When I spoke to the XXXX XXXX today I was told that there was a charge on XX/XX/year> for {$10.00} and then another that was declined for {$1000.00} and also {$7000.00}. I ask how is that possible?? I didn't even get the card or activate it until the next day which was XX/XX/year>. Each time I call in, my address, email address or something has been changed without my permission. It happened twice today!! I have told them, someone within there organization must be getting this info and changing it. Every time I call XXXX Synchrony, they swear that everything is locked down and can't be changed but it still happens! Also, the fraudulent address that was used with the fraud is showing up on my credit report now as a good address for me. This bad address is associated with XXXX and only can be removed from my credit report by request from XXXX which isn't fair to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012 a 30 day late XXXX XXXX XXXX was reported to my Credit Report do to an error on the part of XXXX XXXX XXXX XXXX. The Electric Bill was initially paid thru The XXXX   XXXX XXXX XXXX then turned over to me. The mail was not delivered to my Apartment by the complex 's front office until a payment was missed. I have contacted XXXX XXXX XXXX in XXXX XXXX were I was told to contact XXXX XXXX XXXX were they informed me that they no longer report to the credit bureaus on Payment History. At the point at which I received my billing statements, I made all payments properly and on time. This issue was do to an error not of my own and is not a representation on my commitment to maintain my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card balance was paid off on XX/XX/2020. XXXX  continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either XXXX  or First Hawaiian Bank is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Mortgage

This is related to case # XXXX. I have a mortgage with Investors Bank. They made significant errors in servicing the account, including debiting extra unauthorized payments from a linked checking account and incorrectly applying the payments to the wrong amounts of interest/principal repeatedly. After about 9 months of issues and many complaints, they seem to have finally fixed that problem. This is a NEW complaint regarding the same account. In addition to the aforementioned issues, I just ran a credit report and discovered that Investors Bank erroneously reported a late/missed payment on the account in XXXX 2016, even though no payment was ever missed and, in fact, the payments were AUTOMATICALLY debited biweekly from a checking account at the same bank. Furthermore, the bank 's report to the credit bureau contains additional errors, such as the term of the loan ( not 25 months ) and the type of loan ( not an automobile loan ). This continues a pattern of sloppy, incompetent behavior by the bank. Please help us ensure that they fix this problem and do not create any additional ones in the future.
Product: Debt collection

Mosaic sending me emails regarding a loan which was never received. I've addressed this with them previously. They acknowledged they had several complaints of the same nature through XXXX and XXXX XXXX XXXX companies. Mosaic asked if I had signed an agreement for a " credit check '' which I had. Mosaic said this was a trick being used by XXXX and XXXX XXXX for loans. I've never seen anything on a loan, never received money/check/etc. and have never received services or a product. I do not know how much that loan is supposed to be for however I've received an email stating " In order to reach you XXXX XXXX XXXX, the balance must be at or below $ {$32000.00} by XX/XX/XXXX. Your current balance ( as of XX/XX/XXXX ) is {$18000.00} '' And then it goes on to list interest rate of 4.2400 % and that the monthly payment is XXXX. XXXX and XXXX XXXX  disconnect me each time I've attempted to call regarding this matter and Mosaic stated I must deal with XXXX and XXXX XXXX despite the fact we've never even seen this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the XXXX XXXX XXXX as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements.

This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were 2 bankruptcies filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, multiple auto loans opened XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as multiple credit cards with XXXX XXXX XXXXXXXX which is listed as a charge off, Multiple self lender accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile. 

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my SS Card. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my information reporting on my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}
Product: Debt collection

I sent XXXX XXXX asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what XXXX  has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation
Product: Mortgage

Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.
Product: Credit reporting or other personal consumer reports

I requested an update of explanation from SYNCB/CAR CARE SYN CAR. The credit card was paid in full on XX/XX/year>. Due to timing of the payment made fees were charged. After calling customer service the fees were reversed and noted on the attachment included. Due to the timing of SYNCB/CAR CARE SYN CAR making the corrections they charged other fees on top of their own fees that were incorrect. I have spoke with multiple customer service reps and supervisor and they make a correct I receive a letter showing the fees were removed and they never update the credit report. The payment was never late and it has been showing late since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FSTPROGRESS, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, FSTPROGRESS, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Loans and credit cards were fraudulently opened in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, XXXX, XXXX, and Experian XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX CEDAR XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : 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 XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX CEDAR XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

Superior loan service and XXXX XXXX XXXX same address for both companies XXXX XXXX   XXXX XXXX, XXXX XXXX, California XXXX has been sending me mail letters. Stating that I owe them money for a loan and said that they will foreclosed my property and will sell my property without any court action ; There was a loan tooken out for XXXX by a person name XXXX XXXX from superior loan service. I dont know that person or the loan company. That person XXXX XXXX has his mail sent to my property a few times, I have no idea who that person is. And never heard of that loan company before. 
I am a XXXX citizen, with XXXX kids.i have been staying in XXXX California for nearly 40 years now. And have no intention of moving or intention of takening any loan what so ever. 
I spoke with the superior loan service general manager XXXX XXXX in early XXXX. And she said she will investigate, but havent heard anything from her but still receiving mail from that loan company. 
Last month the superior loan service company had sent a man to inspect my my home, he came on a Saturday around XXXX XXXX XXXX XXXX while it was getting dark, looks very suspicious and scary. He wanted to come in my property and do an inspection. I said no he can not. He said he was sent by superior loan services and mentioned a name XXXX XXXX. I told him I dont know who that person is. And never heard of that name before. I told him the same with that loan service company.i ask him what company is he from, he replied hes an inspection company from Utah. He had his phone with him, I think he took a photo of me as well with my permission. I am sick of them and there letters, Im XXXX with an illness and they are causing me stress and making my sickness worse. Please help thank you