23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My loan was reported to the credit bureau as past due and I never received a past due notice or call to resolve the issue in a timely matter. I am not a chronic debtor and any reporting to the credit bureau should be communicated in proactive measure. I am disappointed in the service response in trying to resolve this matter. According to the creditor this is their policy and they are not required to inform me of the delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX - partial account number XX/XX/XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting

XXXX debt for XXXX that is paid in full and on time. On credit report
Product: Debt collection

I get repeated calls about the debt, I told them I would call them when I was ready to pay but they keep calling.
Product: Mortgage

Demand for a personal face to face meeting with an authorized employee of the Creditor to discuss my options under new programs offered by the Department of Veterans Affairs on XXXX XXXX. I am willing to travel to the Creditors designated location and meet at the time convenient for the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}
Product: Mortgage

I was told I would get a refinance with no points or lender fees. I had conversations with the agent regarding no fees. When the broker sent the me the loan docs ( with no walkthrough or help ) he tried to attach {$1500.00} lender fees into the existing loan, effectively increasing the amount owed. When confronted, he became confrontational and defensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is XXXX/XXXX  Transunion high limit {$700.00} and XXXX  {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.
Product: Mortgage

The month that they changed from Nationstar mortgage to " XXXX XXXX '' mortgage they sent me a letter saying my monthly mortgage payment was going from XXXX to XXXX, and gave me some abbreviations on line items to explain my new payment. 
When I called they offered explanations in jibberish, and when pressed would quickly transfer me to another department or representative. After 47 minutes and 5 different representatives they still had no explanation but said only that my payment would stay at XXXX after they " re ran the numbers ''. 
This is entirely unacceptable from a mortgage company. 
If they ca n't adequately explain how this could happen in the first place, what is missing in the hiring practice at this company? Perhaps there is magic involved, and they are forbidden from revealing it 's secrets? 
This is n't XXXX 's, screwing with peoples homes is not the same as mixing up XXXX XXXX and XXXX. 
I still have no idea why they are or even if they are collecting money for my homeowners, every time I asked this simple question I got a history lesson on my mortgage or talk of projected pricing. Yes or No does not exist at XXXX XXXX. 
I learned two things from the XXXX near hour I spent on the phone with XXXX XXXX ; first that anyone can get a job at a mortgage company, and second that I desperately need to refinance right now
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint against EXPERIAN because they have not accurately reported my personal information on my credit report. I am entitled to a fair and accurate credit report and my personal information should be top priority. 

Incorrect Personal Information : The personal information that they are reporting inaccurately includes incorrect address, incorrect employer. Specifically, the following details are incorrect : Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my employer : XXXX XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting them through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some information was altered on my credit report and I need to dispute it XXXX XXXX XX/XX/1961 XXXX
Product: Checking or savings account

I've been a member with Navy federal for XXXX  years and id like to put in a claim to the lawsuit
Product: Payday loan, title loan, personal loan, or advance loan

For the past half year I have been getting charges on my bank account unaware of what it was. I was going through financial hardship due to this. I thought it was something my fiancee was paying for but I figured out that's not true. I'm trying to submit that all of these personal loans on my credit are not mine. They are fraud. I never approved any loans whatsoever. I am seeing if my family members were up to this as they have all of my information at hand. I really don't need these loans on my credit due to me trying to get a house. They aren't even mine to begin with as I had no knowledge about them whatsoever.
Product: Debt collection

Genesis Credit Management- the company who is currently reporting to all three of my credit bureaus right now. Every month, I am getting a balance increased by {$71.00} to the debts that I dont even own. Ive been trying to rebuild my credit and since these random and unknown charges popped up on my credit, its been putting me at an edge. 

Ive disputed these charges stating that the person who they think it is is not me! Ive. I have 4 collections account. All 4 of these collections are coming from the same credit reporting agency ( debt collector ).

Please, I just want these people to stop harassing me and calling me and to just remove their false accusations and claims against me. I was on the right path to perfect credit but now I feel like Ive just hit a wall. 

It would be greatly appreciated if you guys could get down to the bottom of this and let me know how everything worked out. 


Thanks XXXX
Product: Checking or savings account

XX/XX/XXXX my account was hacked into and they changed my email and phone number. I had no access to my account. I called chime and they to email them my email so I can get back into my account. Providing my SSN and my account phone number. And wait a couple of hour and I could get back into my account. But when I was verifying my account they told me that there was XXXX transfered to someone I have never talk to that had another chime account. They file a dispute on the transaction it has now been 9 day and I havent heard anything. But than today XX/XX/XXXX I get my unemployment benefits and within minutes of having it a different person was spending my money the first one was for XXXX the second one was for XXXX. I call chime and they told me that they can't do anything til the transactions has stop pending. And that they can send me a new card. I change my email and password the first time this happen. I personally think it's wrong that they can't do anything. What kind of people are they.
Product: Mortgage

My mortgage company  Ditech  changed the monthly escrow amount during my  XXXX    XXXX   statement and due to business travel, I missed their letter informing of the increase of {$29.00}. I have auto pay being set up with my bank which did payment on time but short of {$29.00 } ( escrow increase ).  This resulted in a late fee of {$33.00}. I called on  XXXX  to asked if the fee could be voided which they refused. I explained that considering my escrow balance is positive of {$450.00} and that they received my payment for the principal, the interest and most of the escrow monthly fee, they should not consider this a missed payment and therefore should not trigger a fee for this type/scale of error. I think this is unethical practice from a loan servicer and would like to file a formal complain.   My loan number is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Penfed Credit Union in XXXX Va and XXXX XXXX both denied me a car loan using erroneous information from XXXX. The details of my credit history is as follows. I have a credit score of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from Penfed and XXXX XXXX, make no sense and couldn't be a conclusion gleaned from the XXXX credit report. I believe I am the victim of discriminatory credit practice.
Product: Credit card

Barclay is reporting that I was 60 days late in XXXX XXXX, brought my account current in XXXX XXXX, then in XXXX XXXX allowed my account to go 150 days delinquent and then brought it current again in XXXX XXXX and they charged off my account in XXXX XXXX. This is inaccurate reporting. My account went delinquent in XXXX XXXX and was never brought current again. This account has been on my credit report for 2 months past the 7 year mark and I want it to be removed per the FCRA 7 year reporting law.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

1. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XX/XX/XXXX Account Number : XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in my credit report!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I made an ATM deposit over {$5000.00} from my homeowners insurance for repairs ... NAVY FEDERAL BANK has the deposit listed as being made on XXXX XXXX they released {$200.00} of the money but immediately kept around {$5.00} because my account was in the negative from NAVY FEDERAL BANK automatically debiting some extra cash to apply to my delinquent credit cards of which the minimum payments are extremely high and I can not afford to make.. my insurance check is now being held and they have automatically debited more cash from me and have not released the funds.. I called NAVY FEDERAL Saturday to explain to them that was a check from my homeowners insurance and if they continue to take the money I will not be able to have the repairs done and I could possibly be charged with insurance fraud ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have An XXXX and every time I go to fill out an application for one of there Apple credit cards There continuously sending me back a denied letter based off information thats not even in Any Of My Credit report theyre literally using the same Credit information from like two years ago exact same credit report that I had two years ago I worked on my report and got everything in there fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent credit report secured from " Sagestream LLC '' about my credit was knowingly reported extremely low rating in order to cause high interest rate with the bank requesting the report. This appears to be common practice with that company given the large amount of complaints that can be found on the internet regarding this agency. My legitimate credit rating is XXXX, but reported by Sagestream LLC as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report an noticed a lot of invalid information on my Equifax credit report. I am filing to dispute all incorrect information to help fix my credit profile.
Product: Debt collection

I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$3200.00} allegedly owed to XXXX XXXX This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account DRS ( Account Number : XXXX ), Original Creditor : XXXX XXXX. Date Opened : XXXX XXXX, 2024. Balance {$3200.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX and I do not have any contract with DRS. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX XXXX and I do not have any contract with DEBT RECOVERY SOLUTIONS ( DRS ). I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from DRS for the violation of my rights under the FDCPA. 
3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}.

4.Reimbursement of any legal fees incurred in addressing this matter
Product: Debt collection

I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude
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 XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, XXXX 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 Accounts : XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$400.00}. Inquiries : XXXX XXXXXXXX properties. 
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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue