23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I was a victim of predatory lending. 

I cant work due to medical issues and at the time my boyfriend had been out of work for 8 months but had just been hired a few days prior with a company as an outside sales rep. My boyfriend asked that we go get information on a title loan because my car was the only car with a clear title. We were desperate because our electric was off and we were in the process of being court ordered evicted by the town house company that we paid rent to. We were 60 days late and our rent is XXXX per month. We would have the money soon but not in time to not have to deal with being kicked out and have nowhere to go. 

Anyways I was lied to by a LOAN MAX TITLE LOAN employee, and rushed to sign all the paperwork without going over all of it. I was honest with the employee XXXX. From the beginning and told her I did not have an income other than my cash assistance I recieved which was only XXXX per month. She said I would not be able to get the amount I needed based on my income but than she asked my boyfriend his income. He told her about just getting hired and what he would be making and with out asking us she went ahead and used my boyfriends income but the loan was in my name because I was the one with the clear title. Then she went over paper work as fast as she could and I asked if she would at least make my boyfriend co-signer so I would not get stuck having to pay it all if he decides not to help me with payments. She told me she did not make him the co-signer because we lived together and living together made him just as liable for the loan as making him co-signer. I told her I wasnt comfortable with the loan being taken out in my name using his income because I did not want to get stuck owing all the money because he was not added as co-signer. She took none of my boyfriends info, just used his income as if it was my income for the loan writers. I asked her to make him co-signer and she told me that we did not need to do that. Then I was talked into signing and I did not want to be homeless so I went with what she said about us living together and signed. 

A month later XX/XX/18, the loan was due and my boyfriend said it was not his loan becasue only my name was on it. I called loan max and explained everything and they told me I was liable fo the loan. I said I was a victim and they said well if you lived together she was allowed to use his income. so ever since XX/XX/2018 I recieve daily calls, voicemails and texts. The voicemails is the woman that did the loan for me and she demands that I call her back today, almost every day and says that as long as I still have a past due balance I am going to hear from her every day and my car is no longer secure. I have tried to work with them by paying a much lower monthly payment but they refuse to budge on what is currently owed and refuses any other kind of repayment plan and each day my loan increases in interest because they wont let me pay much smaller amounts each month. I was honest with them about not working and they dont care.
Product: Debt collection

I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX USE Per FCRA as a federally protected consumer. All information on my credit report must be in line with other consumer reports. 
The above account is not reported accurately on my report. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Payday loan, title loan, or personal loan

On XXXX I read my contract and followed the given directions for revocation of ACH/EFT permissions and sent it to the requested email stated in the contract. On XX/XX/13 my account was debited vis ACH for my payment. The contract only requires a 3 day advance notice which was provided. After reading their email reply, I noticed that they tried to start the 3 days from the date that actually opened the email but their contact language doesnt allow for that. On XX/XX/13 I called in and the man I spoke with claimed to have never reviewed a revocation and said the email address the contract instructed clients to send revocations to is ignored by the company and I should have just sent it elsewhere. Oddly enough, their email on XXXX stated to guarantee that no payment would be taken to call them. I prefer to do EVERYTHING in writing when dealing with written legal contacts. I feel that this has all been a ploy to duck and dodge their own contracts and federal banking laws. They had a valid ACH/EFT revocation in their required email in the proper window of time and ignored it with the intention of withdrawing another payment.
Product: Credit card or prepaid card

I opened an account with card.com and I was happy with my account and I didn't have e a problem using my card! I had a direct deposit from my job of {$4200.00} Card.com with out notice or calling me or anything they froze my card and they said they only needed to verify my identity through documents! I saw the email and I immediately sent all the documents they asked for! Then there next excuse was they couldn't see it! So I did what they asked and re-cent the documents in the form that they asked and they couldn't do anything for me they just closed my account and they couldn't explain why either.i did everything they asked to verify my identity. I would like to be reimbursed for the money that was taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I have contacted Experian and XXXX  requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.
Product: Debt collection

Today, XX/XX/2022. I got an XXXX credit alert that said an account in my name was reported to collections. 

I looked at the reported and it shows that a debit collection company by the name of Credence Resource MAMA is trying to collect a debt in the amount of {$3300.00} from the XXXX XXXX XXXX XXXX XXXX. The credit collection company said it was given the account on XX/XX/2022. There number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never been with XXXX XXXX XXXX at all in my life, so I know that this infact is not my account. 


I called XXXX to report this as fraud. They told me to fill this form out that I'm filling out right now. 

I called XXXX XXXX XXXX and reported a fraud. 

I called the debt collector and told them this was fraud.
Product: Student loan

MOHELA changed my payment amount to the wrong amount, after a previous ( successful ) resolution to a CFPB complaint about the amount being incorrect. 

My payment should be {$58.00}. My account was updated to this amount and it's been correct until today ( XX/XX/XXXX ). Last week ( XXXX ) I received a letter from MOHELA stating that my payment will be {$58.00} until XX/XX/XXXX. This letter was sent in response to the original complaint filed with CFPB. Today I logged on to my account and the payment has been increased to {$150.00}. There was no explanation or notice given, and my payments are set to resume in a few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00}
Product: Credit reporting

I have a significant issue with XXXX XXXX in connection with my former account, which impacted another separate XXXX XXXX account ( which XXXX cancelled although there were no overdue or outstanding payments ). XXXX has clearly erred in providing my account information to an unauthorized third party, or permitting this third party to obtain information about me. This is both improper and illegal. This third party made several attempts to contact my brother, an XXXX Gold Card holder, about my account, and made dozens of illegal calls to me in an effort to collect payment. To end this dispute, on XXXX XXXX, 2015 I sent to XXXX a letter by certified mail with a check for {$1500.00} that was expressly conditional upon XXXX accepting this " full and final payment '' to settle the account. XXXX cashed the check and then claimed that they were not bound by the terms of the letter and the check ( the latter of which expressly referenced that this was for " full and final '' payment for this account ). XXXX 's failure to acknowledge that they have accepted my settlement offer, and failure to advise the credit reporting companies that this dispute has been settled, adversely affects my credit score and could prevent my wife and I from obtaining a home equity loan/second mortgage for our home ( for which we are now submitting an application ). Having accepted my offer to settle this dispute, XXXX must a ) acknowledge acceptance of the settlement and b ) advise all credit reporting companies immediately that this settlement has occurred and expunge from my credit records any assertion of non-payment or late payment in connection with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!! 

The accounts listed here need to be REMOVED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX Act. # XXXX, XXXX  XXXX Act. # XXXX, XXXX XXXX Bank XXXX # XXXX, XXXX XXXX XXXX Act. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Childsupport Act. # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint again XX/XX/2023 but it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

XXXX XXXX XXXX called my mothers house and left a message stating my mothers name and it was concerning a claim against her and her home. Of course my XXXX mother called back scared to death someone was trying to take her home. ( I kept this voice mail ) When my mother called them, XXXX XXXX stated, he was actually looking for me?? Then they proceeded to call my employer, which I am unable to accept any personal calls at work.
Product: Consumer Loan

Both my auto loan holder CNAC XXXX, WI and my insurance agency ( XXXX ) take their payments up to a week early on a regular basis. Also as a part of the purchase agreement XXXX XXXX was to replace the front bumper of the vehicle of which I have complained about for two years now with zero results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.
Product: Mortgage

For the Record as CFPB as witness I only wish to communicate with Wells Fargo Home Mortgage by means of this CFPB platform or written notarized sworn affidavit under penalty of perjury sent via postal mail.

I make my request known that I do not give permission for Wells Fargo Home Mortgage or WELLSFARGO or any other associated parties thereof to contact me in any other such manner.

Sincerely, Pursuant U.S. Code 1692c All inalienable Reserved Reserve XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Comenity Banks inquiry on my XXXX report XX/XX/XXXX Letter from Comenity Bank for XXXXXXXX XXXX XXXX application approval XX/XX/XXXX Contacted Comenity not to approve credit card request ( not me ) XX/XX/XXXX Reported to XXXX to remove inquiry XX/XX/XXXX CFPB XXXX, FTC XXXX XX/XX/XXXX Comentiy Bank XXXX sent a request to XXXX to assist in removing the inquiry ; however, XXXX refused to remove the inquiry, states as valid even though Comenity Bank knows that it wasn't me that applied for the credit card. 
Sent twice all letters to XXXX I called XXXX multiple times to remove Used XXXX online dispute process. 
XXXX refuses to remove the inquiry XX/XX/XXXX Months later, I called again, and they asked me to resend all documents, and their office lose documents even if sent twice.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 knowns 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, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXXXXXX XX/XX/2022 and XXXX XXXX XXXX XXXX XX/XX/2022 are hard inquiries I do not recognize and didnt authorize I demand them to removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone permission to put anything on my credit or to give out any information. 
XXXXXXXX XXXX Balance {$240.00} Original Creditor : Not Available XXXX XXXXXXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX Balance {$740.00} Original Creditor : Not Available XXXX XXXXXXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX XXXX  # XXXX Closed XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported XXXX XXXX # XXXX 60 Days Late XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX Balance {$240.00} XXXX XXXX : Not Available XXXX XXXXXXXX Act. # XXXX Opened N/A Reported Unknown XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ( XXXX ) XXXX XXXX XXXX  XXXX # XXXX Closed XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Primahealth Credit Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$8200.00} Balance Individual Account Installment Account Type Closed Condition XXXX Date Reported {$0.00} XXXX Act. # XXXX 120 Days Late XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account XXXX Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance Dept Of Ed/XXXX Act. # XXXX Current XXXX Opened {$0.00} High Balance {$23000.00} Balance Dept Of Ed/XXXX  Act. # XXXX Current XXXX Opened {$0.00} High Balance {$1400.00} Balance XXXX XXXX XXXX XXXXXXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$10000.00} Balance XXXX XXXX XXXX # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance
Product: Debt collection

i ask for all documents with my signature on the documents and my address and my address did not match