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

There are accounts from XXXX XXXX XXXXXXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX also XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} also XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} and XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} these accounts where removed then placed back cause of address of XXXX XXXX XXXX which Ive never lived of course its would of verified to them its what was used not by myself
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting. 

See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house.

This company has been horrible to work with from the time they bought my loan and now is just horrible.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXXXXXX and XXXX XXXX
Product: Debt collection

National Credit Systems continues to furnish information on credit file regarding debt from XXXX XXXX XXXX. Amount on credit report is not validated and inaccurate. Requested information regarding debt and company failed to comply according to FCRA Guidelines.
Product: Checking or savings account

XX/XX/XXXX, XXXX I noticed I had a weird transaction on my banking account from an XXXX account for an odd amount of money ( {$2.00} ). When I discovered this, I immediately started looking through my recently made purchases on my online banking statement. When I did, I discovered 3 more odd purchases. One of them the description of transaction was " XXXX XXXX ''. So incorrectly spelled city, and a city that is over 8 hours away from me. Then the other two odd transactions were named " STORE '' under description. I have banked with this bank for over 10 years and never had this type of issue. I called the bank that day and cancelled my card and had them look into the fraudulent claims. Four total transactions were disputed totaling exactly {$43.00}. The money was put back into my account. Then, on XX/XX/year> I receive a letter in the mail from said bank, stating that the information that I provided them about my transactions was inconsistent with their findings from doing their research and that they were removing the amount of {$43.00} from my account. So of course, I called the bank this morning to ask what information they received that made them believe the transactions were not fraudulent, and according to their investigation in their system it states that the transactions were all done in person. Well, that is strange considering you can not purchase XXXX in person as it is an online store with no store front. I also asked them how I would have gotten to XXXX if I had no other transactions around that time outside of my city limits. Which again is over 8 hours away. It is only {$43.00} for all transactions in total and I am not super worried about that, but I am concerned that they are doing shotty investigations into claims and I would hate for them to take advantage of someone for even more money. I plan on closing my account with said bank next week and open an account somewhere else. I just can't help but feel kind of screwed. The transactions should have been flagged as fraudulent in my opinion before it was even allowed to go through considering it was a random store in a random city ( and said city on statement is spelled incorrectly ) I am not a banking expert, but something sounds sketchy about that. And again, if their reason for " not believing me '' is that the transactions occurred in person, 2 out of 4 of those is highly unlikely if not impossible. The other two just say STORE and like I said, I have never seen that with all of my years of banking with this bank. My statements are usually very descriptive but that is quite the opposite.
Product: Credit card

All four of my accounts were closed due to a payment being returned but then made subsequently after. I called Capital One to explain that I was impacted by Hurricane Helene due to my job being located in XXXX North Carolina ( XXXX ). They still proceeded to close all four card accounts even though only one had a missed payment. 

I asked for an internal payment plan to manage the payments and they denied them saying nothing was available at this time. I then reached out to a third party I've used in the past to consolidate the debt on all four cards and make payments. On XX/XX/year> Capital One denied the request from the debt management company. I called in on XX/XX/year> to determine why the proposal was denied and was told that it's because the accounts were closed. The debt management company has said that has never been an issue in the past. I've inquired with Capital One how I should handle the matter as they are denying all attempts to make payment to them and could not receive a straight answer. I spoke with the supervisor XXXX ID : XXXX who noted on my account I am trying to proactively make payments but Capital One seems intent on not working with me to further impact my credit negatively.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  XXXX - # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX  XXXX XXXX # XXXX , Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights accordingly : 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 that no consumer reporting agency may make any consumer report containing the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

During the annual escrow analysis for my mortgage, it was determined that I would be refunded {$3100.00}. I noticed this by viewing my escrow activity online at US Bank. I waited for the refund to arrive for more than 30 days. When the refund never arrived, I contacted US Bank to inform them. I spoke to the kind and respectful customer service supervisor, XXXX ( Unit Identifier : XXXX ) and she informed me that there would be a {$15.00} reissue fee, should I decide to have them reissue the refund. I questioned the validity of such a fee as I had not at any point accepted the refund and additionally, I have no way of knowing the payment was actually sent to me. Meaning, how do I know that the refund was ever actually issued? What would stop US Bank from declaring that they had sent the payment, when in fact they had not? 

The only proof of such an issuance was US Bank 's records. Which means that the only way for me to know that they had actually issued the payment was ... you guessed it, US Bank. In other words, " you know we issued it because we told you so. '' There is absolutely no other recourse. 

So, I was presented two options : Option 1. Pay the {$15.00} extortion, ahem " fee '' or Option 2. wait six months until the check expired. Now, {$3000.00} is no small amount. In fact, if I were more desperate, I would have paid the fee without a second thought. I can only imagine the countless working poor or elderly folks who would have to bite their tongues and pay the fee because the need for the money is so great. 

Put another way, if I were to send the bank a mortgage payment by mail and it never arrived, could I then charge the bank for reissuing another check to them? If I can, this is great news as this amounts to a {$15.00} dollar discount on every payment henceforth ( well at least, if I were a dishonest sort ). I suspect this is not the case and that in fact, I would be slammed with additional fines for delinquent payment. I am quite furious at the nefarious implications here. How do I know that financial institutions do not simply pretend to issue refunds, then when XXXX Consumer calls they inform him he can receive the payment if only he pays a " small '' ( an operative term depending on one 's financial status ) re-issuance " fee. '' This seems to amount to an exercise in extortion. " That 's a really nice check there, it be a shame if you 'd have to wait six months for a re issuance. '' " If you pay me {$15.00} I can make sure we send it out soon. '' XXXX XXXX would be envious of such a racket. 

What I am asking for here is : 1. A determination of whether such a fee is legal. 2. A definitive determination that the refund was in fact sent ( something other than " because we told you we did '' as I am not sure how such proof holds up in the eyes of the law ). 3. I wish to receive my refund ( money already overpaid for a year ) without paying a fine for receiving it. 

Thank you for your consideration in this matter.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Over the course of the past year, I have received numerous calls from ERC ( a debt collection agency ) about an unpaid XXXX phone bill in the amount of {$480.00}. This debt was incurred by someone living in a different area of XXXX, Fl. Inspite of my denial of being the responsible party, my stating my address ( at which I have lived for the past 30 yrs ), and providing the last 4 digits of my SSN, they persisted in calling. AT NO TIME did I receive any written notice of debt. While checking my credit score I noticed that my XXXX credit score had dramatically fallen. Upon further investigation, I discovered that ERC had filed a collection notice with XXXX. 
I disputed this action with XXXX and the XXXX ( XXXX ). XXXX backed ERC. The XXXX investigated and found in my favor. ERC sent a letter to the XXXX basically saying oops its not our fault. To this date I have not heard a peep from ERC
Product: Credit reporting, credit repair services, or other personal consumer reports

My son purchased a motorcycle and I co-signed a loan for him thru Synchrony Bank. He is the account owner and had been making regular payments. The bike was defective and he voluntarily surrendered it to Synchrony Bank. He signed the Voluntary Surrender Form and Synchrony Bank accepted the bike. I contacted Synchrony Bank and they acknowledged they had the form he signed. They indicated that the bike had not yet been transported from where it was located, due to the coronavirus pandemic. They also refused to remove the incorrect information from my credit report. As the bike is now in full possession of Synchrony Bank, which they accepted fully, any other issues pertaining to it, are only between Synchrony Bank and my son, not me. I can not get a job or mortgage unless Synchrony Bank removes the negative and incorrect information from my credit report.
Product: Mortgage

Around XX/XX/XXXX I approached XXXX XXXX  XXXX to gain an understanding of my Mortgage loan options as I've never tried to purchase a home before. I was assisted by XXXX XXXX who checked my credit and said she'd have to think about what my best options would be but that if I could send her paperwork such as my XXXX, check stubs, etc. that it would help. I did as was asked and that was the last time I heard from her or the company. My emails and voicemails were met with no reply and I was left with my credit lowered and my time wasted. I'm simply incredibly disappointed and got a loan elsewhere.
Product: Mortgage

My ex wife was awarded the property in our divorce in XXXX. She refused to pay the mortgage from the very first month, and on XXXX separate occasions I caught the payments up and took her to court to get her out and stop damaging my credit. Dealt with a different judge each time. The XXXX told her to keep them current, with no judgement on her part, even though it was ruining my good credit. At the lowest point, my XXXX score was at XXXX, based on her actions, not mine. The third time, I was awarded the property in XX/XX/XXXX. XXXX XXXX XXXX said I had to live there in order for them to work with me. For the next year in " modification '' of the loan they would not accept payments or send me a bill. Four times they " lost '' the paperwork and made me refile. Then they said they could n't work with me because the house had been in arrears for too long. Told me to vacate, which I did, in XXXX XX/XX/XXXX. XXXX sold to another servicer, XXXX XXXX XXXX, and they added ridiculous fees to the original amount, making the amount due well over the amount of the {$140000.00} original loan. They agreed to a short sale, and our realtor worked on it for a year. They denied XXXX cash offers, XXXX that was at full value. In frustration, she gave up, and we could n't blame her. They sold a year later to Nationstar, who added their own outrageous fees. Our lawyer got involved, as Nationstar has included my current wife " XXXX XXXX XXXX '' and it has greatly impacted her very good credit. Nationstar sent legal documents offering us a " in lieu of deed '' offer which would take it out of our name, which is what we wanted. Our lawyer responded to Nationstar and asked them to proceed. No response from them. He then sent them an Order to Appear to get the ball rolling, and they responded by changing legal counsel. We got frustrated and gave up. That was XX/XX/XXXX. Our hands have been tied for obtaining a home loan for 10 years now. We were just denied a loan today because of this. Our loan would have been approved without this very large blemish on our credit report. We want our names removed from the title of the property that no one has actually foreclosed on in TEN years! It remains in my name. We want this removed from our credit files from all three reporting agencies for both my wife and myself. Any help or direction you can give us would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a survivor of XXXX Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking. 
Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see 12 CFR 1022.142 ( f ) ).
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this LEWIS MCDONNELL & ASSO was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a CACH , LLC as the current creditor - even though I have no relationship to or knowledge of CACH , LLC. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
Product: Mortgage

I am requesting a foreclosure postponement so the servicer can review all loss mitigation options. I have a full short sale offer pending that they have not reviewed. the servicer has not assisted me. The impending auction has become intensely stressful. I am only requesting a XXXX stay and they are denying me that option.
Product: Debt collection

In XXXXXXXX XXXX XXXX XXXX claimed that equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXXXXXX XXXX XXXX, who found in my favor. 

Since then, the supposed " debt '' has been passed on to two different collectors, and every six months or so I have been forced to send them all the information by registered mail, along with a request for them to supply the information on how they determined the validity of the debt ( as is required by law ). this request is always ignored and the debt collectors resell the bogus debt.

Attempts are currently being made by Sequium Asset Solutions who have been informed of the invalidity of the debt, and asked, again, to provide their attempts to determine said validly.

They have refused to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 letters dated XX/XX/21 and XX/XX/21 from American First Finance. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from American First Finance. I called American First Finance and the representative told me that this is for furniture that was purchased at XXXX XXXX XXXX in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to American First Finance ( AFF Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a proper documentation about the items to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these items and it was in dispute within 30 days now. This account is in violation. 


XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX