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

On or about XX/XX/XXXX, Experian reported several late payments marked as past due on several accounts reporting on consumer 's Experian account. One of the accounts is XXXX ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted XXXX XXXX XXXX XXXX ( XXXX ) in regards to the late payments, in which I submitted a good will complaint via phone to XXXX XXXX XXXX XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. XXXX XXXX XXXX XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. Experian is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. Experian knows an account CAN NOT report XXXX days prior to 30. I have already informed Experian that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that EXPERIAN is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that EXPERIAN is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Product: Credit reporting or other personal consumer reports

since XX/XX/XXXX  ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.
Product: Mortgage

MY lender does not want to remove the differed principal as per the principal forgiveness program as of XXXX after the court settlement to reinstate the loan. 

They purposefully forced by not accepting payments under hardship and took me to court demanding full payment and then a foreclosure and sheriff sale date, which ended in the court by me providing the proof of funds to the judge and he asked then to reinstate the loan as per the agreement. Which puts both the parties at the original point. 

They include in the statement all late fees and legal fees and interest and every possible way of making more money from me, I paid every single dollar and they still do not honor the original agreement as of XXXX. I have emailed the servicing company multiple times and they fail to understand and the Lenders are unreachable. 

The original loan was in XXXX. 
The Loan was modified in XXXX. 
Court settlement in XXXX. 

If you investigate into this loan you will see the Loan origination fraud and the unethical Practices of the lenders.

Please refer to section 3.C of the loan modification and compare with my current month statement and you will notice that in the current month you still see {$140000.00} of the {$210000.00} still showing up on my statement till date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -- DATE XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
XXXX XXXX XXXX XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
IM ALREADY A VICTIM OF IDENTITY THEFT.
Product: Credit card

I applied for a Kohls card in store in XXXX of 2023. I called customer service explaining the address was wrong that they use, which to that they said no problem let me change the address and send a new card. I waited for the card and nothing came. I called again to request they send out a card and still I have no received a card, just emails of the balance owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called Discover Financial Service and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.
Product: Checking or savings account

I opened a checking account with Wells Fargo. 
I was speaking with a potential employer about work for the XXXX XXXX. I asked for a physical check sent to me but the potential employer said they felt the check would be lost. It was suggested to me that they email me the check. The potential employer told me that this is a new practice being done but other employers. I received it and made a deposit. Then, Wells Fargo called me saying the check was fraudulent. Well when I spoke to the individual on the phone they treated me as if I was a scammer. They treated me as if I was beneath them and dumb for listening to this potential employer. I see that the IRS or FEMA has the email check as an option as well. Im not sure why my situation is any different or the problem. Now I am in one of the Wells Fargo branches and they are still treating me as a criminal- with their whispers and back office talk. I have done nothing wrong and yet my profile/name is being dragged through this company as if I am the problem. Wells Fargo has fraud ALL THE TIME! I am not the issue its the guy you sent it- go after him!
Product: Checking or savings account

I was trying to do my homework and get help from XXXX. And the ad popped up and I clicked it to get an estimate and put my information in. That's when they charged me that first amount. Then they charged me again and when I called the website for a refund they said their account policy is that to get a refund it has to be a minimum of {$11000.00}. Then they took my XXXX and cashapp info and automatic transactions had been going on until there was no money left in my account. I thought this was all normal when I ran out of money I asked my family for money. That's when my family told me it was a scam. 

I have contacted my bank which is BB & T. They have denied all my dispute saying that the transactions were authorized. But I haven't authorized anything. I do not know how all that happened. When I asked if they can do a chargeback, they can't do that either. And I already did a police report. 

XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXXXXXX XXXX XXXX CA XXXX {$390.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$500.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$550.00} XX/XX/21 ZELLE PAYMENT TO XXXX PAYMENT ID XXXX {$520.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$470.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$520.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$530.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$270.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$250.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$1000.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$990.00} XX/XX/21 XXXX  XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$800.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} total amount = {$10000.00} Website which took my money : XXXX : XXXX their email : XXXX phone number : XXXX, XXXX, XXXX Name : XXXX XXXX, XXXX
Product: Checking or savings account

Hello i am customer of Wells Fargo. I got scammed with fake check of XXXX  . Someone scammed me.stole my customer information and pretend to be my old customer who is sick and and out of town and need my help and he pay me via company check. Wells fargo bank let me deposit the check and verify it for me first without letting me know its not legit. They give me XXXX first ask me to wait for check verification.after XXXX day they give me rest of money. I send that money via XXXX  to someone scammer named as XXXX XXXX XXXX. Bank clear the fake check and released the funds which is totally not understandable how can a bank clear a fake check And after XXXX  days they withdrew all money i had and negative my account. They didnt explain how can they clear a fake check and how come they dont inform me about anything and just negative my account. I try to talk but they didnt give me any positive response.theyre not taking action on pending transactions of XXXX  .Every time they hold my transaction for verification but they couldnt verify a fake check. I dont know what to do and how to take back my money which they took because of their mistake.
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX XXXX XXXX I transferred XXXX $ to my XXXX XXXX checking account. I did not receive a confirmation email from cash app confirming a successful transaction ; nor did I receive a notification from XXXXXXXX XXXX. I waited over the weekend, and proceeded on XX/XX/2023 I contacted Cash App customer service with the intent to locate my missing funds. I was instructed to contact XXXXXXXX XXXX, which I followed through with. XXXXXXXX XXXX was not able to give me any info because no money transfer was received. I followed up with cash app again and it led a live chat, in which I have documents of their lack of communication. With a refusal to look into where my money was transferred to.
Product: Debt collection

L.J. Ross has repeatedly violated federally protected consumer rights by failing to adhere to government issued protocols for debt collectors ; federal authority granted in 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ). Specific to the issues at hand, prior to reporting to a credit agency that an account is in collection status, as required under law, L.J. Ross must furnish verification of an alleged debt to the consumer. Further, L.J. Ross must notify the consumer of their right to dispute the alleged debt and the subsequent instruction. 12 C.F.R. 10 1006.34 ( a ). L.J. Ross is also barred from utilizing deceitful activities or tactics when working on the collection of any alleged debt. 12 C.F.R. 10 1006.18. L.J. Ross has violated the requirements of 12 C.F.R. 10 1006.34 ( a ) by not furnishing or attempting to furnish verification of the alleged debt. In fact, L.J. Ross DOES NOT MAKE AN ATTEMPT to notify an alleged debt prior to sending the debt to collection status. I have resided at the same address for four years and maintained the same phone number for sixteen years. By reporting to credit companies without notifying or providing consumers verification of alleged debt, L.J. Ross is engaging in deceitful tactics. Validation of the debt does not exist as reported, because claims of service dates do not match appointment or insurance benefit explanation statements. In addition, upon filing disputes with credit agencies has led to multiple collections accounts held by L.J. Ross being resolved and removed. However, L.J. Ross responds by reporting new accounts in collections for the same amounts. L.J. Ross has devalued by credit score by over ten percent, resulting in my failure to be able to secure a needed student loan or HELOC. I have been battling this agency for nearly a year, only to find similar stories and law firms advertising on how they can defeat L.J. Ross 's deceitful practices. Federal authority to issue protocols and regulate collections agencies was granted to the CFPB to ensure protections for consumers from companies like L.J. Ross.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with XXXX and linked my bank account and other information through their platform. A few days later, I started receiving emails stating that I was approved for various loans. 

Then, on Sunday of this week, I received an email stating that Speedy Cash was going to debit money from my account. Concerned, I called the number provided in the email. The representative asked for my birthdate and the last four digits of my Social Security number, which I provided before realizing it might be a scam. 

To verify their legitimacy, I asked for a simple piece of informationmy banks routing number. This is not personally identifiable information ( PII ), and if they had access to my actual account details, it would have strongly suggested that my information had been stolen. However, they did not provide it. 

I then contacted XXXX and spoke with them about the situation. They reminded me that, during my loan application process, I completed everything on my phone. I linked my bank account through a secure login process rather than manually entering my account number. 

If my phone has a virus capable of capturing and misusing this information, I would be genuinely impressed. 

If they do end up taking money from me, it will be upsetting. Especial when they refuse to provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, XXXX, EXPERIAN ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Product: Credit reporting

Attempted to obtain report from Experian through AnnualCreditReport.com and received an error message directing me to experian.com or to call Experian consumer services. Attempted to PAY for my report through Experian.com and received the same error message. 
After speaking to consumer services they stated that they can not verify my identity ( even though I have provided 100 % legally factual information ). Phone rep for consumer services says there is no way to obtain my credit report.
Product: Mortgage

On XX/XX/XXXX I called Roundpoint mortgage company to discuss the ongoing issue with my escrow accounts. I had received a call from a representative earlier that day or possibly the day before stating for me to call them. I I was told that the representative only called to inform me that they were working on the issue they provided no additional details. The representative in the call on XX/XX/XXXX asked me what the issue was. I explain the issue with the escrow account that is the subject of my other pending complaint with the CFPB for Roundpoint mortgage. At that time she informed me that my escrow was - {$400.00}. She explained that this was approximately two months worth of PMI payments. I explained that the PMI on my account had been removed as of XX/XX/2023, she told me this must have been the remaining from the PMI Advanced payments. She stated on this call for me to pay {$400.00} and then the escrow would be positive and she could simply request the escrow be removed from the account. I made the payment for {$400.00} that day. Today is XX/XX/XXXX and I checked my online account and I noticed that this payment has been misapplied. The payment has been applied to the principal balance which is not what was discussed during the recorded call on XX/XX/XXXX. It is my belief this was purposefully done to prevent the escrow from becoming positive, thereby, allowing for it to be removed from the account. 

My principal and interest payment is approximately {$2200.00} however, due to all of the mishaps with the escrow that are the subject of my other pending complaint they have me paying {$3300.00} a month. Each time the representative informed me an amount needs to be paid to remove the escrow I pay it like the XXXX and the {$400.00} but I am still waiting on a resolution to my prior CFPB complaint in for my payments to be applied properly. This is all an attempt to prevent the removal of the escrow account.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Synchrony Bank, collecting for Lowes called at XXXX XXXX XX/XX/20 and had called several times after XXXX ; XXXX. I have paid the debt in full so won't be in contact but would like for you to remind them to do the right thing. 

thanks,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : 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  These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
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, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting against me for years. I have requested a copy of my report with them several times. I have not been able to get a bank account in years which is really holding me Back. I tried calling them and everything
Product: Credit reporting or other personal consumer reports

XXXX ID number for recent complaint. 

So my wife, kids, and I are suppose to accept that our lives are at risk because you want to wait 60 days to fix this! I hope the company and the credit companies that have allowed fraudulent activity to take place and allow my personal info to be publicly announced knows ; all this is being documented and saved in case something happens to one of us. Privacy Act of 1974, as amended,5 U.S.C. 552a The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have a right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish my account without my written instruction. 

15 U.S.C. 1681 ( A ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following : any other adverse item of information, other than records of convictions of crimes which antedates the report 7 years.

15 U.S.C. 1681-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.