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

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my 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 credit cards and student loans XXXX XXXX XXXX {$440.00}, XXXX XXXXXXXX XXXX {$2300.00}, XXXX XXXX {$600.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX XXXX XXXX bank {$660.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXXXXXX {$3300.00}XXXX XXXX XXXX XXXX XXXX800.00} XXXX XXXX of XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$420.00}, XXXX XXXX XXXX XXXX60.00} XXXX XXXXXXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$2200.00}. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

The aforementioned accounts, collections and inquiries appearing on my consumer credit report that is being maintained by you was not opened, made or initiated by me and are a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information on my credit report is invalid. I am interested in disputing any invalid data on my credit report with transunion that is hindering my file.
Product: Credit reporting or other personal consumer reports

From XX/XX/year> to XX/XX/year> I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX with XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card. None of these were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. 
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. XXXX XXXX is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.
Product: Debt collection

I have reports on my credit of not paying XXXX  and XXXX XXXX XXXX the problem i called the company and they told me they had different birthday on it cause its my dads name but it got put on my credit I put dispute threw XXXX  didn't change it they told me I just need to pay but its not mine and I shouldn't have to fix my parents problems I live in there house and we have same name is where the mix up is coming from I've never missed payment on anything
Product: Credit card or prepaid card

Chase was verifying my account before making a purchase last week. After verifying me they went ahead and closed my business account. They said the reason was because rapid increase in revolving balances and too many requests for credit increases which I have not requested for any kind of credit or increase lines of credit. I have been using my card for only business transactions and paying it off just like anyone else would be using a credit card. They have discriminated against me by closing my account.
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT AND I NOTICED INQUIRIES THAT I DO NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE. 

CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance details 12 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX 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 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$8400.00} Original balance {$24000.00} Monthly payment {$650.00} Additional info Responsibility Joint Account Terms 66 Months Company sold - Original creditor - Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 XXXX days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # 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: Mortgage

Hello, I am writing to seek urgent assistance regarding an issue with my mortgage account. On XX/XX/XXXX, my mortgage was transferred to Mr. Cooper. According to the law, I understand that I have XXXX  days to set up payments with the new mortgage company. 

However, immediately on the date of the transfer, Mr. Cooper began automatically withdrawing funds from my bank account without my authorization. Consequently, I contacted my bank and placed a stop on the payment, as I had not given permission for these withdrawals and still had XXXX  days to establish the new payment arrangement. 

I am now on day XXXX of this XXXX period and have XXXX  days left to organize my mortgage payments. Upon reviewing my account, I noticed that I have been charged a {$25.00} late fee. Despite numerous attempts to reach out, I have been unable to connect with a live advisor at Mr. Cooper. 

I am very concerned that this late fee may negatively impact my credit score. I respectfully request your immediate assistance to resolve this matter, remove the late fee, and ensure no adverse effect on my credit due to this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

My Amazon Corporate Card has {$380.00} in unapplied credits that I called as required to get applied to my balance of {$690.00} and Amazon representative could not find credits in the system although they were never applied. 


XXXX XXXX from Amazon only showed in her system older credits of {$280.00} applied from previous statements but had no idea why they were not properly showing the {$380.00} credits in the system. Someone had manipulated the system & transferred my credits without applying to my account. 


I went to CEO of Synchrony Bank after going through corporate office as XXXX XXXX also did not apply over {$200.00} credits to my account properly and when I ask for date and invoice number 6 times would not provide. 

I suspect fraud in the corporate account section of Synchrony Bank and the way they apply credits leaves the door open for an accounts specialist to apply one persons credits to another account with no one being the wiser as it is not applied by transaction to zero out the debit by the credit. They can apply credit dollars against any transaction with any date & any dollar amount with no record required of doing so. Something is very wrong -- please see my bill attached which clearly shows credits that were never applied & now somehow disappeared.
Product: Debt collection

Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with XXXX which is owned by XXXX XXXX. I was issued a store card in XXXX The amount eventually was approx XXXX dollars. I used the card 2 times to purchase sundries and then approx XXXX worth of lamps which did not work after a week and which I took back for a credit. 

At first XXXX billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called XXXX  again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the XXXX  which I disputed, explaining the card was closed. Nothing was due on it and that XXXX/XXXX XXXX should be contacted. 

Today, Real time Resolutions sent me a letter stating that the balance owed is XXXX For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


Real Time Resolutions RTR File Number : XXXX Account Ending In : XXXX Balance : XXXX  Original Creditor XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

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.

U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, my credit rating score ( FICO ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S., people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : 1 XXXX XXXX   via XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT PROFILE. THE DATE OF ALL INQUIRES LISTED ON REPORT ARE THE SAME ( XX/XX/2022 ) XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 SXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2022 AXXXX XXXXL XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Mortgage

I recently sold my home, but the mortgage company refuses to properly credit my mortgage, zero out the loan, and refund my impound account. NationStar Mortgage has been in receipt of XXXX from an insurance claim, plus the title company sent them the additional funds required to zero out the loan, however they improperly applied the wire from the title company. They have not adjusted the principle to use the insurance funds, even though they are in receipt of the affidavit that expressly states that I wish the funds to be applied to the principle on the loan and their own acknowledgement says that they would do so on XXXX/XXXX/2015. 

Additionally after my home sold they disbursed funds from escrow to pay for hazard insurance/taxes, which should not have happend after the close. 

Several times in the past I have had issues with NationStar Mortgage not properly applying payments, but this has but far been the worst. 

In this case they also broke up the single bank wire payment from the title company into several monthly installments, and a principle payment. I have called and spoken to them 3 times, and each time they promise that they will fix the issue, and yet it has still not been done. 

Each time I have been told that they can not do it immediately but they will fix the issue in a business day ... then nothing is done. I simply want them to fix their mistakes, and refund me the escrow amount back to me.
Product: Debt collection

In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXXXXXX XXXX failed to properly remediate black mold in our carpets and walls, causing our family to get sick. One of our children got so sick the XXXX XXXX XXXX  had to put him to sleep and perform a XXXXXXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXXXXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live. I have called and left messages to this company on 3 separate occasions in the past 2 weeks and have had no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX ( Original Creditor : 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 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.
Product: Checking or savings account

XXXX engaged in shady business practices that ultimately caused me to want to close my account after requesting reasonable resolutions from the bank, but they refused to resolve the situation In a reasonable fashion, they try to force me to deal with what they did and pay the consequences for the things that they did, by using an abuse of power.
Product: Debt collection

My husband was charged XXXX dollars to care credit in XX/XX/XXXX for a service he didn't receive. We spoke to vendor who denied fraud. SYNCHRONY care credit said that they can't reverse the charge. We reported account as fraud and it was closed. We did not get information that A. No interest charge is only for 6 months and B. An account in dispute does not get charged for only 60 days. SYNCHRONY care credit also did not notify us that the Vendor won the dispute. Account was reopened under a different number and I found out that it reopened due to decrease in my credit score by XXXX plus points. Last time I spoke with rep from SYNCHRONY care credit was XX/XX/XXXX. Manager name was XXXX. Had I received communication I could have avoided interest charges and drop in credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX