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

I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX ( tracking # XXXX ) Experian received one of several dispute letters regarding fraudulent established accounts that are being reported on my Experian credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Experian as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Experian received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Experian credit report. I have stressed the negative financial impact to Experian this has taken on my personal financial status, sent in supporting documentation, and yet Experian still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Experian as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Our hardship started in XXXX. We contacted the servicing company at that time was XXXX. 
We were told that since we were not behind on the mortgage we had to wait before we could get any help. After being very fearful of losing their home, they talked to some friends and acquaintances and they recommended a law firm located in XXXX XXXX, NY and promised a solution of a modification and they would get us back on track with XXXX XXXX very quickly. They requested {$6000.00}. XX/XX/XXXXXXXX immediately and they borrowed the money from the husband 's boss and paid feeling very secure that the promises were true. For whatever reason the law firm was closed by The District Attorney. 
We were not able to get our money back or any of our documents. 

After going through that huge disappointment, there was a cease and desist on our account that took over a year to get removed from the account so that someone would even speak to us. While we were with the law firm we had to pay {$500.00}. pr month for the promised help they were supposed to do for us. After being able to talk to the servicer on our loan in XX/XX/XXXX. 

We notified XXXX that we were back to work and ready to start making mortgage payments. We have had at least 15 different representatives working on the account. 
After working with XXXX for so long the account was transferred to a new Servicer SLS XX/XX/XXXX. All of the work that was put in in XXXX was not considered at ll and we had to start over and they rushed us into foreclosure.
Product: Mortgage

I filed bankruptcy in 2019. Prior to filing, I completed a loan modification with Loancare that was signed and accepted by them. It has been filed with the county records as well. Since 2019, Loancare has locked me out of my online account and my statements show I have {$14000.00} included in my bankruptcy which is their reasoning for locking me out of my account. The dollars they are referring to were added bank into my loan through the modification and is part of the county record. Loancare has not reported a single mortgage payment I've made since 2019 to the credit bureaus. I have emailed ( the only option Loancare offers me ) the bankruptcy department a request to correct this many times over the past two years with ZERO response. I included the recorded modification and emails between Loancare 's attorney and my bankruptcy attorney agreeing that the modification was in effect prior to my filing bankruptcy. As a result. Loancare did not ask the bankruptcy court to include a single cent in my bankruptcy. I also provided the bankruptcy court docs with my emails to Loancare. STILL NO RESPONSE! I'm only able to speak to representatives who tell me to send another email to the same bankruptcy department. This has been YEARS without a response and without a correction made. Since I'm locked out of my account online, I have to try for days and sometimes weeks to get through to make a payment as I'm only allowed to speak to the bankruptcy department. I need help!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$950.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Bank of America recently started charging me a $ XXXX monthly maintenance fee. Ive been a customer for over ten years and maintain a direct deposit and credit card with the bank that waves all fees or minimum balance requirements. This monthly charge started hitting my savings account without notice and is incorrectly applied.
Product: Mortgage

As of the beginning Essex Mortgage a financials institution that I did not choose to work with ( loan was sold to them ) they have had a miserable conduct to me! 
I have called to have a split payment accommodation half of it the first week and second on the third week within the 30 days cycles. They were absolutely mad as soon as I asked that. Not only they refuse to set me up for automatic payments but they were brutally answering to me with no help. They said whatever you pay we don't care we still your monthly payment of XXXX $ at the scheduled date no matter if you pay any portion of it in advance. Due to their technical errors with their wiring system they have been returning my automatic payment back with the excuse of insufficient funds. My Bank statement can verifiy that this is a false reason. However I have had a full fight with them from my XXXX XXXX  regarding the XXXX payment. I keep asking to send a wire a same day wire to them they weren't providing me with any info or help. Finally around the end of the month on the XXXX they told me to mail a check to them and I mention to them the long federal holiday ahead ( XXXX ) and that can cause the USPS to delay the check to them, but they told I should be fine. According to my tracking number this has arrived there on the XXXX but their office was closed or maybe the mail man could not find anyone there, I have send them picture of my usps trading number and also my bank statements to verify my ability to pay on time without delay but my calls to them are black listed and they never answer to my Emails. However they pourpesly delay to apply my payment just top report me delinquent late payment to the credit bureaus, that will give them leverage by me being restricted to move over to other mortgage company. I been already denied to refinance my mortgage due to their false reporting to the credit bureaus. That is a false report I was never late.
Product: Credit card or prepaid card

On XX/XX/21 I received a quote for a 8 ' container from XXXX  to be delivered to my sons XXXX  home on XX/XX/21, picked up when loaded & delivered to his XXXX  home, no one need be there for delivery or pickup of the container. I received a order confirmation for a 8 ' pod for {$1900.00} total. On XX/XX/21 a 16 ' pod was delivered to my sons home. this was either a mistake by the company or a bait & switch. I rececived a change order confirmation stating that the 8 ' container was cancelled & the 16 ' container was delivered on XX/XX/21 two days after it was left in my sons driveway. When I became aware of this around XX/XX/21 I called XXXX  to complain & was told a person with authority would get back to me, they did not. I made 3 more calls to XXXX beforeXXXX & got the same response & no call back. I called Capital One XXXX, the credit card I'd given to XXXX  & told them what happen & asked to put a hold on all charges from XXXX, that I was going thru a very stressful time & would clear things up when I got back to my XXXX  home. We have been through 5 monthly statements to date. I have mailed, faxed & emailed the quote, order confirmation & change order confirmation to Capital One during this time & explained countless times over hours of phone calls explaining this was the only documentation I have. Since I was in CT & paying my XXXX & XXXX Capital One bill by phone I wasn't sure what was going on, When I got home & collected my mail I saw each statement showing that Capital One didn't put a hold on all charges from XXXX  & generally messed up the dispute process bringing us to where we are today. Since we did have the pod more then 30 days I would owe PODS {$250.00} more for a total of {$2100.00} tax included ( XXXX CT tax ) to this point on 4 monthly statements starting with XXXX XXXX I have paid {$2100.00} so I should only owe {$56.00} that is why I've added & subtracted the POD credit & charge from from the XX/XX/XXXX statement since it is more then time to get the billing straight. PODS should honor the original order pricing & stop pretending that I in anyway authorized a change. XXXX XXXX -- XXXX XXXX XXXX XXXX -- XXXX, FL -- XXXX -- XXXX XXXX
Product: Vehicle loan or lease

The complaint is for both customer service and credit report/reporting issues. 

On XX/XX/XXXX I received an alert from my credit monitoring service that Exeter Financial XXXX  placed an action on my credit reports stating that my account with them is 30 days past due. I definitely was not aware that my account was past due as I have made my payments every as my contract states and have been working very hard to improve my credit worthiness ; this action really set me back. I reached out to Exeter to find out what was going on. The representative reviewed my account, and stated that I had missed my XX/XX/XXXX payment. I was devastated because I am pretty good about paying my bills and if I did miss a payment. I would think someone from the company would have reached out to me regarding this matter. In XX/XX/XXXX, I reached out Exeter to inquire about possibly receiving a payment deferment due to COVID hardship for a decrease in income. Representative never stated that I was behind or I missed any payments. He explained to me that the payment would be put to the end of the loan and my next payment would be XX/XX/XXXX. I repeat not once did the representative state that I was behind because if I was, I would have asked for the deferment as well as what I would need to do to bring my account current and still have a payment due XX/XX/XXXX. After the representative submitting the request, he went over the details of the deferment and stated that once the deferment was approved that my account would be current and next payment of {$780.00} was due on XX/XX/XXXX. I called on XX/XX/XXXX to make sure the deferment was approved and it was. From XXXX on, I made my payments on time. Still on XX/XX/XXXX, I requested a deferment to bring my account current because after calling in on this date and finding out all this information I would have to make 2 payments in order to bring my account current in which I can not afford. The deferment was approved and my account is current as of XX/XX/XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX  XXXX has indicated that i was both 30 days late and 60 days late for XXXX and XX/XX/2023. Please see attached credit card statements that show in the account summary that I had a XXXX balance due and no late payments for the dates in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX refuse to provide me my full credit file ( front & back ). 

XXXX shared information with Equifax without my consent and credit inquiries from unknown sources improper. 

Equifax mailed me a letter, in contradiction, Equifax instruct me to furnish verifiable information such as address etc. that they have confirmed via Equifax letter attached.
Product: Mortgage

Mutual of Omaha is sending letters saying funds are available in an official looking firm. This is really a scam letter to trick people into refinancing.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$11000.00} I have previously XXXX the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX 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 payment reported in ( MONTHS REPORTING LATE ) 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.

( CREDITOR NAME ) 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: Student loan

Great Lakes did not send me any notice that my loans were due, they alleged that an email notice was sent, I always request my notices by US mail. Great Lakes never called, After 90 days, they sent a letter to me informing me that I am past due. I immediately paid and became current
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account # XXXX for the amount of {$250.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt. 
Please provide the following : The name and address of the original creditor. 
The amount of the debt and a detailed breakdown, including fees, interest, and other charges. 
Verification that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 
Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 
If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 
Please respond to this letter in writing and send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one charged off an account violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act
Product: Prepaid card

Ive Been trying to get access to my account Since XXXX. When I Call they are rude They hang up on me or give me a hard time as if I was the badguy I want to excersise their privacy Policy and close my account
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the 3 Credit Bureaus. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

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

Account : XXXX Requested debt validation with assignment contract and also XXXX