23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Of the course of the last two months I have been working with XXXX and 21st Mortgage Bank on getting s loan modification approved. I had to take out two loans to repair my home a year ago because during the first year of my mortgage 21st Mortgage made me use their insurance company and theres company would not pay for repairs to the home. I used my personal funds, I borrowed from family, and took out loan to save my home from falling apart. The company reimbursed me some of the funds after around a year in a half, however I still am making payments for those loans. XXXX rep advised me to miss one payment so I would qualify for their program for loan modifications. I told 21st Mortgage rep this as well. After, the payment was missed XXXX told me they dont work with 21st Mortgage and 21st said they dont do loan modifications. After speaking with XXXX again about me feeling lied to on XX/XX/2018 the representative got very rude with me and stated I dont even know why you are still having this conversation with me. 21st Mortgage manager claimed everyone does not know what XXXX is and they do not record their conversation and that Imam blaming them and XXXX for my issue and I have called both companies and told each company the name and what program I was doing for two months and neither knew about each other not working with one another. After basically screwing me over I am wrong? I want an apology and this to be investigated because some from both companies should have told me they did not work with each other from the beginning and I should not been told to miss a payment to qualify if they were not going to help me with my mortgage issue. 
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Product: Debt collection

I received a " Notice of Collection Placement '' from EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ) for a XXXX XXXX account. The statement date is XX/XX/2018. The amount due is {$1100.00} ( {$1000.00} of principal and {$100.00} coll. costs ). 

I do not have XXXX XXXX account. I have never had a XXXX XXXX account. XXXX XXXX has never contacted me in regards to any debt I have with them. 

I contacted XXXX XXXX today ( XX/XX/2018 ) and they verbally confirmed that I do not have an account with them. They searched by name and account number, and found nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union consumer relations reported to XXXX XXXX false information which resulted in my credit limit being lowered!!!!!!!!! 

Trans union reported the following : 1. Lack of real estate secured loan information ( dont have real estate loan ) 2. Balances on accounts too high compared to credit limits and loans amounts ( I have the following credit accounts A. XXXX XXXX limit XXXX balance as of XX/XX/2021 {$160.00} B. XXXX  XXXX XXXX balance C. XXXX XXXX XXXX balance D. XXXX XXXX balance the credit account thats lowered is XXXX XXXX account paid in full because of the false information reported to XXXX XXXX  this account credit limit was lowered,,,, D too few accounts paid as agreed E. Too many delinquent or derogatory accounts!! 

These are all absolutely false and outrageous lies that are affecting my credit worthiness. 
Trans union needs to be held accountable with legal actions. 

Simply filing a complaint is not enough!!!!!!! 



New car loan opened XXXX. I am trying to rebuild my credit due to the fact that my credit was severely damaged by my ex significant other who stolen my information.. 

All of my credit cards are in excellent standing!!!!!!!! 
I have never miss a payment or been late. 

Its not fair the credit reporting agency are allowed to cause consumers unfair situations that negatively affect our struggles to rebuild our credit. 

When I contacted XXXX XXXX  I asked if they randomly decided to run my credit I was told NO!!!! They stated that trans union forwarded the information to the bank, I called trans union to ask whyre reporting false information regarding my credit?? 
XXXX ( agent who I spoke to was rude and stammering her words when I demanded answers she disconnected the call!!!! ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ma
y 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: Debt collection

Received letter XX/XX/2022 in the mail with name of company clearly printed on envelope stating they were a collection agency. Per the fdcpa, this is implying the presence of a debt with anyone besides the debtor. This is a violation.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated XXXX XXXX XXXX They have also stated that I had Late payments on XXXX accounts and this never occured : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section XXXX. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information related 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, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA.
Product: Checking or savings account

I transferred money on XX/XX/2022 for the amount of {$75.00}. The money was already debited out of my XXXX XXXX account and was deposited on XX/XX/2022. Key bank is withholding my funds, so they can accrue their real time over draft fees. I spoke to a XXXX XXXX representative they informed me my information was correct and accurate, that my bank is holding the funds which is Key bank. Spoke to multiple online banking representatives, XXXX a supervisor encouraged me to sue. Instead of handling the situation at hand. She was rude. All I want is what's rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Credit reporting or other personal consumer reports

The inquires was deleted and readded to my credit report. They have been going off and back every 6 month. They should have been deleted. 

Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

This is the third complaint I have filed against One Main for the same issue. One Main continues to incorrectly report my account information.

On or about XX/XX/XXXX, I took out a loan in the amount of {$7500.00}. From XX/XX/XXXX until XX/XX/XXXX, I made regular, on time payments to One Main for the loan. On.XX/XX/XXXX, I filed for a chapter XXXX bankruptcy. At that time, the loan was included in the bankruptcy. On or about XX/XX/XXXX, I received a discharge, and this loan was included in that discharge.

One Main continues to report incorrect information regarding this loan. My first complaint with them, they continue to auto draft my account for a period of three months after the bankruptcy filing. After the complaint, they refunded the money erroneously deducted from my account, going back to XX/XX/XXXX. Then, they reported the account as charged off after the bankruptcy, and continued to report payment history. Finally, on XX/XX/XXXX, they corrected this erroneous information and agreed to report the account as follows : Balance : {$0.00} Last Payment Date : XX/XX/XXXX Payment History : Current Discharged Chapter XXXX Now, on XX/XX/XXXX, I discovered they are once again reporting this account incorrectly. Despite me making on time payments from XX/XX/XXXX until XX/XX/XXXX, they are once again reporting the account history incorrectly. They are reporting XX/XX/XXXX through XX/XX/XXXX as 'Failed to Pay '. This is not correct. I made on time payments during this period. They received {$300.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and {$240.00} on XX/XX/XXXX.

They can't seem to get this account reported correctly, and it is negatively affecting my creditworthiness and my ability to obtain employment in my career field. My bankruptcy was due to a medical issue, not irresponsible debt management. And prior to the bankruptcy, despite having debt, my bills were all paid on time. There were no late payments. The status of this account contradicts this.

Please see the attached exhibits : 1 ). Letter dated XX/XX/XXXX where One Main agreed to correct my credit bureau information.

2 ). Documentation provided to One Main on XX/XX/XXXX.

Note : You will see in this packet, they were reporting the account current for the XX/XX/XXXX through XX/XX/XXXX payments.

3 ). Previous complaint with the CFPB regarding the reporting of the account during the bankruptcy proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.
Product: Credit reporting

I had someone by the name of XXXX XXXX and XXXX use my identity to purchase cars. I have filed a police report listing all the cars he purchased using my name and ssn. And all the inquiries XXXX on my file were the result of him. I want the bureaus to remove and Equifax is the only XXXX not taking off the derogatory accounts and inquiries. It is hurting my file. Equifax accuses me of going out and buying cars and then not wanting to pay on them. How dare they do that.
Product: Checking or savings account

This is in regard to dispute for fraudulent use of my debit card filed with HSBC on the amount of {$23000.00}. The transaction originated from merchant named XXXX XXXX. HSBC has failed to take any action on the dispute and has not followed the due process of investigation. Upon contacting the merchant, they are unable to locate any account with my credentials and have asked me to file dispute with my bank. However, HSBC is unwilling to follow the due process and refund my lost monies.
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: Credit card or prepaid card

A credit card was open fraudulently with Bank of America and {$940.00}. was charged to the account. I immediately reported the incident and Bank of America. The bank stated that they would send a letter but, to date I have not received this letter. I also placed a freeze and fraud alert on my credit profile. 

Bank of America has failed to take appropriate actions to prevent and/or follow-up on this act of fraud.
Product: Mortgage

XXXX XXXX. loan with more than 20 % down still charging me PMI. they stated i needed to wait 2 years. Waited the 2 years to take off PMI ; XXXX of XXXX send to their PMI department via email : appraises from a licensed AZ XXXX. We actually did XXXX and when doing a XXXX  home a number from inside the home has to be on appraisal and their XXXX they XXXX new build -- hired never ever went by the home or step inside. their XXXX gave comps from other side of town that has nothing to do with our home comps in our general area. Union Home Mortgage told me to appeal the appraisal with XXXX and he would not correct information. The homes in our area were smaller going for $ XXXX in XXXX he gave comps $ XXXX ; Fast forward : We have been asking mortgage company since XXXX to take off PMI. They have been escalating calls to PMI department since XXXX. No response back. Our last Licensed appraisal we received and forwarded via XXXX XX/XX/XXXX to : ( XXXX ) XXXX value $ XXXX we owe as of today {$130000.00} They said they started processing XX/XX/XXXX. But they have per themselves 30 days to process, were in XXXX now. Please help resolve this problem. Thank you in advance.
Product: Vehicle loan or lease

Wells Fargo has my auto loan. They have a policy of any overpayment being applied to the next payment for up to 3 months. Once you are 3 months ahead they automatically apply overpayments to the principal. They claim that all you have to do is call in to have the overpayment applied to the principal and there is no way to do this electronically. 

So if you pay {$100.00} extra monthly, particularly electronically you also have to call in to get the {$100.00} applied to principal. This is annoying in itself and a burden on the consumer. The real problem is in the call. Unless you are extremely specific, the teller will apply the additional payments to the principal but do it ON THE DATE OF THE CALL, NOT ON THE DAY YOU PAID THE MONEY. Most tellers do not understand the difference and you end up making multiple calls to get them to make it right. 

Most people pay electronically via another bank and would not catch this.
Product: Debt collection

I have tried many times to get XXXX Credit Bureau to remove a collection from my XXXX credit report. They continue to have a Prince Parker and Associates collections on my credit report that Prince Parker admitted to was an error. I contacted the XXXX XXXX XXXX and they had Prince Parker contact XXXX to updated and remove the information from my credit report ( twice ). But XXXX Credit Bureau refuses to remove the inaccurate information. And has not given me a reason of why when I did dispute the collections. XXXX would not tell me what the letters stated from Prince Parker to remove the information for my credit report said.

This has caused a tremendous effect on my credit that was prefect before this. I have never missed any payments and have had credited for over 22 years. I am a senior in fragile health and this matter is causing me great stress because I have been going back and forth with XXXX since 2022 of last year. Please help me with a solution to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXXXXXX  In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the three major credit reporting agencies XXXX, XXXX and TransUnion verify all information and entries on credit report file that I have disputed in whole. These reporting agencies never conduct a proper investigation into disputes. Per the FCRA and citing from XXXX XXXX TransUnion, XXXX XXXX XXXX. XXXX ( XXXX. XXXX 1996 ) case law, it is their obligation to fully investigate all disputes in full. Failure to do so properly shall result in information deleted from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been several credit inquiries from companies listed on my credit report with XXXX credit bureau, I have called and talked to customer service that were unable to provide with any information about these inquiries. I was told that they don't have any record of pulling my credit. I contacted the customer service numbers listed on my report. I have a fraud notification on my report that companies are supposed to call me for verification. These inquiries did not result in any loan or card being dispersed. 

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

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$31000.00} XXXX  - XXXXXXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$320.00}