23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a purchase money first loan XX/XX/XXXX, I am the only person on the loan and my partner is on title only. XX/XX/XXXX after applying for a modification I noticed that my documents showed the loan was held XXXX. After applying for the modification I checked at the courthouse and XXXX had transferred servicing of my loan to Wells Fargo. Nether Wells Fargo or XXXX notified us of this action. XXXX held my loan for XXXX years despite not being a loan service. Federal law requires we be notified and to this date that has not taken place.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$1200.00}
Product: Money transfer, virtual currency, or money service

I was purchasing online goods from a vendor I had met via social media, I had previously bought from this person and they had turned out to be legitimate. I recently sent him XXXX XXXX via cashapp for an online program but did not receive it at all and they ignored me. I already marked the transaction as a scam on cashapp and requested a refund. I also sent support a message asking to dispute the purchase but I read online that cashapp does not usually give refunds for scams or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures. 

This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my XXXX XXXX and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023
Product: Debt collection

XX/XX/2020 {$1200.00} {$1900.00} {$2200.00} there is this company that keep changing names and keep reinserting on my credit by different names same company ... I feel like im being pressured harrased by this company and their giving me different amounts ... I even tried to reach out to the company to resolve this.. they gave me the run around and seem to be a rude company and also call me at XXXX at night ... This is really stressful the harassment especially calling me unknown at XXXX at night.. the name of the companies that are the same but have different names are XXXX XXXX XXXX XXXX and they other name is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent / unauthorized inquiry by XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card with US Bank on XX/XX/2021 and have been using the card for the last two months with no issues and paying the statement balance in full each time. On XX/XX/2021 I tried to make a purchase from XXXX and the card was declined twice. When I checked my online account login two days later, the account didnt appear at all. 

I called to inquire on the evening of Wed XX/XX/XXXX and the customer service agent told me that the account had actually been closed on XX/XX/XXXX and I would have to speak with account fraud services which was only open during business hours. I called back on Friday XX/XX/XXXX and finally reached the account fraud services who repeated that my account was closed for suspicious activity and that they had sent a letter explaining. I have not received this letter and could not get any further information from them. I concede that it is their prerogative to take away my credit account but to do so with no indication or apparent reason is concerning. 

I have no idea what activity could have triggered the account closure and also find it suspicious that this account closure occurred when I was close ( approximately {$2600.00} of {$3000.00} ) to reaching the spending threshold required to obtain the advertised account opening bonus of XXXX XXXX I would at least like a reasonable explanation for this account closure as this practice seems deceptive to me.
Product: Payday loan, title loan, personal loan, or advance loan

I'm currently XXXX on XXXX XXXX orders, split across two XXXX periods, first published/dated XX/XX/XXXX, through XX/XX/XXXX. Aqua Finance is aware that there are two orders. Under the Servicemembers Civil Relief Act, I am entitled to a reduced interest rate of 6 %. Despite repeated communications with Aqua Finance since XX/XX/XXXX ( formal emails, I communicated with them prior ), the company has not consistently applied this reduced rate. Initially, my interest rate was lowered to 6 % for about five months starting XX/XX/XXXX, but I have not been compensated for the period before this adjustment when I was charged at a 9.9 % rate. Despite providing Aqua Finance with all necessary documentation and continuous follow-ups, I've encountered inconsistent responses and unfulfilled promises of callbacks. The failure to permanently adjust my interest rate and provide back pay for the overcharged period has led me to file this formal complaint. I am seeking a resolution that includes the application of the SCRA-mandated 6 % interest rate for the entirety of my XXXX  and a refund for the excess interest charged. It's important to note that my account has remained in good standing throughout.
Product: Mortgage

We recently refinanced our home with our local Bank XX/XX/XXXX XXXX. They sold our note to AmeriHome Mortgage, XXXX. XXXX XXXX, XXXX, NJ XXXX. 

I have repeatedly tried to get logged into my account to make payments and set up auto pay and have yet to be able to do so. Part of the problem is that there is conflicting information as to who is actually receiving the payments. There is some association with a company named XXXX and there are two different websites that are very confusing. Every time I try to enter or register the sites say they can't find our information. I have had to call and sit on hold during my work hours for extended periods of time and still haven't had my problem resolved. I end up making a payment by phone, which usually involves additional fees, but when I complain profusely they waive the phone fee. I want to get this account set up on auto pay, because I don't want to incur late fees or miss a payment and it seems like the company is doing nothing to fix the problems so that I can get this done. 

I would like the mortgage holder to give me a clear explanation of who actually holds the note, and get my account set up to be paid online without confusion as to who is receiving the payments. 

Thank you for your help!
Product: Debt collection

XX/XX/XXXX disputed also disputed XX/XX/XXXX advise debt been verified when payment history show different on every report also account type different on the credit reports XXXX XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : AUTO LOAN STATUS DATE : XX/XX/XXXX XXXX show : BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment STATUS DATE : XX/XX/XXXX XXXX show XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment account STATUS DATE : XX/XX/XXXX payments history shows different on every report also if car was sold at auction or for lessor value report should not show the full balance
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Business funding capitals that have unlawfully drawn my credit report without my promission, I just want fair credit reporting and scores updated as well
Product: Credit reporting or other personal consumer reports

My credit report shows the following for this company : {$220.00} XXXX XXXX XXXXXXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Open Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Late 120 Days Past Due Amount {$40.00} Highest Balance XXXX XXXX Monthly Payment {$10.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

.its impossible that all XXXX of them ( XXXX  XXXX XXXX, transunion XXXX can verify that this is an accurate if there information is missing within all XXXX of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other XXXX and shows in one and not the rest which shows a major reporting error within XXXX  XXXX XXXX, and transunion XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports and XXXX XXXX XXXX XXXX XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called XXXX  XXXX  XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is Equifax. Ive filed this dispute 6 times and I keep getting the same results. Equifax says that XXXX XXXX  XXXX says the report is accurate and XXXX XXXX XXXX says they sent over the information to Equifax to correct it but never gets corrected.
Product: Credit reporting or other personal consumer reports

XXXX reported to my credit bureaus a late-payment during the Presidents " On-Ramp '' program timetable. I have paid off the loan in full once they did that, but the reporting of missed payments has significantly impacted my credits. I filed disputes with the credit bureaus, but that did nothing.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXXXXXX XXXX  XXXX
Product: Mortgage

We have been in contact with XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  Through CFPB. Both have confirmed through CFPB and in writing to us they have no affiliation to the property or Wells fargo and decisions on the mortgage and note and XXXX XXXX don't have any knowledge of any assignment of mortgage in 2009. 


Who are you servicer the loan for??????
Product: Credit card or prepaid card

Well, I have been struggling with XXXX  since XXXX which includes XXXX. All of this was to straing for my XXXX culminating with my having XXXX surgery XXXX XXXX XXXX 
As part of XXXX relief I was given amnesty for my mortgage, but American Express lowered my credit on my Gold Card from no limit to a $ XXXX credit limit and stopped charging me the {$250.00} annual fee for the Amex Gold Card. Last month XX/XX/XXXX American Express placed a {$250.00} annual fee back on my Gold card but refuses to return the card to a unlimited status. 
This means I am charged {$250.00} for a {$2000.00}. Credit limited card, this is more than 10 % of the credit limit, eventhough I have never had an issue making my Amex payment prior to the credit limit placed on a unlimited credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that my husband and I sent to Equifax and XXXX   on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to Equifax and XXXX  a couple weeks ago, and those letters have also been ignored.
Product: Debt collection

i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
Product: Student loan

I have been paying this student loan for XXXX years. My balance never ever goes down. I just pay interest and late fee payments. So my interest is all I am going to pay for the next XXXX years. I was manipulated and tricked into XXXX months of deliquency with their predatory calls and threats of lawsuits if I do not pay. They call constantly when I can not do anything about it. They severely disrupt my days, call at late hours in the night and morning. and they just do not stop. They are the worst, most disgusting lenders that I have ever had to deal with. Pretty sure if I was to work there, I would go home feeling like a dirty con man that has no conscience or empathy towards people.
Product: Debt collection

Hello, i was sued by XXXX XXXX  service back in XXXX of 2018. They sent a letter to garnish my wages. I have made several attempts to work out this debt with a better payment option than a 25 % garnishment. I spoke with the XXXX firm through their online system and also the phone. I am a fulltime XXXX student with XXXX children, my hours have been reduced due to school and now with the current situation. I am only working about 10 to 20 hours a week. The loan was for approx {$4500.00}, and they won the case for nearly {$14000.00}. I tried to get it reduced by paying a lump sum, and they refused. I also had endurance on my loan that only paid {$930.00}. I wanted to get them to update my credit to show this payment and have gotten ignored. This has been an ongoing issue with the firm, and its already been are to make any money to survive as is. I am sadly contemplating bankruptcy, so I have some kind of breathing space. They used a secure messaging site that no longer has our communications. I am unsure if there stopped using the service.
Product: Student loan

Student loan were forgiven Im no longer responsible for this account and want it removed from my credit report.
Product: Prepaid card

Hello my name is XXXX XXXX. A good friend of mine gave me this email address and said you maybe able to help me with a issuing I am facing with Bank of America edd card. So my issue goes back to XXXX  I had been locked out of my account after I began a claim on a merchant dispute. And I was locked out of that account all the way until 2 weeks ago. I was finally able to get verified with the customer protection dept. and given access back to my account. But because I was locked out I had been unable to finalize and add all the charges for my merchant dispute back in XXXX. So a new claim was made for the charges not covered in my initial claim. That claim was filed on XXXX the XXXX I have attached a screenshot of the email with the date. I can also fowArd the email if needed. according to their dept they sent a letter on XXXX the XXXX 2 days later denying my claim. The claim is self was a large one with several charges on it. There is no way it could have been investigated as it should have been. As well as the 1st part of the claim that was filed in XXXX  was approved and yet this one which should have all been part of it was denied. I know they we fined before for practices similar to this and I am hoping you could help me here with this issue. 
Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX account with the account # ending in XXXX via certified mail to XXXX and Equifax several times. Each time, both credit bureaus have claimed that the information was investigated and verified as accurate. However, I have attached copies of my most recent credit reports from XXXX and Equifax showing the same XXXX XXXX account with different payment history information on each bureau. This blatantly proves what I have said all along which is that XXXX and Equifax have not acted in good faith in the past in regard to this account and continue to report inaccurate information on my credit file which implicates several violations under the FCRA. 

In accordance with the Fair Credit Reporting act, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. I have attached evidence to prove my claims.