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

I have a loan with NATIONSTAR DBA MR CO. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NATIONSTAR DBA MR CO with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Bankruptcy Reference number XXXX DOES NOT BELONG TO ME
Product: Debt collection

This company is very harassing. They call repeatedly. Very childish and unprofessional. They call early morning or late night, and will hang up on you and call right back like they are a child playing a prank. 

I have asked to be not called repeatedly. Today they FORCED me to give other personal information just to get my phone number removed from their call list. 

Very unprofessional and not at all American. 

When I say get your robo- calls to stop calling me I mean it. 

Portfolio Recovery ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just some of the numbers used to call me this month. They call multiple times, will hang up, then call my other number that forwards to the same phone number.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

Awhile ago on my credit my banker mentioned a Wells Fargo account of XXXX was on my credit and I was completely unaware of that. Then, the scandal happened and I thought it would automatically be pulled from my credit report and it was not. I never opened a credit account with Wells Fargo. Only a checking account and I closed it.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account in which I was never late. Consumer reporting agencies have taken on a vital role and have the responsibility to report on consumers as accurately and thoroughly as possible. 

I have never been late on payments for the account : ( XXXX XXXX ) ( # XXXX ), which was opened on XX/XX/year>. Please investigate and provide evidence with statements proving that these payments were late. 

If no proof can be provided, I demand that these payments be updated to " on time '', as they should be, since I was NEVER late. 

Thank you.
Product: Student loan

I currently cant affors my payments as of right now. I applied for the forgiveness program but never heard anything back.
Product: Credit reporting or other personal consumer reports

Child Support should not be on my credit report. XXXX, XXXX, and Experian sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.
Product: Mortgage

I have an awkward situation I am trying to understand. We opened an equity line of credit with Chase Bank in XXXX of XXXX. Sometime I think around XXXX when the housing market plunged, The line was frozen and I think modified into a term loan, but we continued to receive monthly statements and paid as requested. I had other financial issues and filed a personal Bankruptcy in XXXX. About the same time we stopped receiving our monthly statements. When we checked back with Chase as to why all we were told was that it was paid and we had a XXXX balance. There is nothing in our personal credit file showing the account, and we have nothing in writing showing payment information. A few years later I started receiving phonically at my work from apparent collection Companies telling me for {$20000.00} that they would release the lien that Chase has on our home. WHAT LEIN? About XXXX years ago I begin getting calls from XXXX XXXX @ XXXX XXXX supposedly At Chase on or about XXXX XXXX, XXXX about this same Loan Lien Release for {$28000.00}. I first went to The XXXX XXXX office of Records, they then sent me to XXXX XXXX hall of records where they transferred the records to and got copies of the Chase Liens and their release of Liens. They had a previous Lien # XXXX Filed XXXX XXXX, XXXX for {$99000.00}, Then a new Lien # XXXX filed XXXX XXXX, XXXX for {$200000.00}. A Full Reconveyance # XXXX was filed XXXX XXXX XXXX. 

It appears that when the market went upside down the XXXX XXXX did a Bank Bail Out that somehow paid my underwater mortgage. I can get no details of what actually happened, but all I can ascertain is that there was a loan, there was a payment by someone that paid the note to a XXXX BALANCE and there was a reconveyance, but only on one Loan paperwork not the second, so now the second mortgage lien is being held for Ransom the remaining balance, but they will give us a discount for a cash payment. 

This whole thing smells bad, and if it appears to smell bad, it probably is. These people are very secretive that they wont answer the phone, dont have e-mail addresss, dont give out names, and wont put discussions in writing. 
WHo are these people holding our home for Ransom? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Cell
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by XXXX XXXX. XXXX, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law. 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt out. Moreover, under XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  no consumer reporting agency may include adverse information in a consumer report that is more than seven years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision. 

Furthermore, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, XXXX XXXX. XXXX requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section XXXX and limit the furnishing of consumer reports to permissible purposes under Section XXXX. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under XXXX XXXX XXXX, consumers have the right to opt out at any time. I am formally exercising my right to opt out of your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..
Product: Debt collection

A Credit Card with XXXX showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to Midland Funding LLC and is now showing up on my credit report as both XXXX and Midland Funding LLC. The credit report is showing the last payment made to XXXX was back in XXXX of 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 8 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I HAVE ERROR REPORTING ON MY CREDIT REPORT THAT WAS NOT ERROR ON MY PART, IT WAS CAUSE BY MY BANK XXXX. THEY CLOSE OLD ACCOUNT I HAD AND STOP ACH PAYMENT AND TRANFER PAYMENTS. THE. IT HAD EFFECT ON ALL MY ACOUNTS. I HAVE WITH XXXX XXXX IT CAUSE TO ME TO BE LATE WITH MY PAYMENT MY XXXX  CREDIT CARD IN THE MONTH OF XX/XX/2023, I have ATTACHED COPY OF THE LETTER
Product: Credit reporting or other personal consumer reports

My name Is XXXX XXXX, my social security number is XXXX and my date of birth is XX/XX/XXXX. This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This Fraudulent, inaccurate, and false information consists, of a installment loan account at XXXX XXXX opened XX/XX/XXXX under the account number XX/XX/XXXX. This account states that it is 60 days late. This account resulted in an hard inquiry and a late payment on my consumer XXXX Credit Report. I've attached the account in question as well as a copy of the consumer XXXX Credit report maintained by you which shows the aforementioned instalment loan account. I do NOT recognize the aforementioned late payment account appearing on my consumer credit report maintained by you. This was not late initiated by me. This aforementioned account is the result of identity theft. These late payments were fraudulent checks ( or fraudulent e-checks ) which were created through the use of stolen information obtained through identity theft. I demand that the late payments be removed from my credit report pursuant to FCRA 605B. I have attached a Copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer account are a result of identity fraud.
Product: Debt collection

DiTech Financial continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with DiTech and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.
Product: Vehicle loan or lease

I had my car financed with Santander. They were paid in full XX/XX/year>. They are still sending me statements and reported me as past due and has ruined my excellent credit score. Talking to their people is like dealing with people in an insane asylum. What can I do about his?
Product: Credit card

Unauthorized charges on CITI credit card. 
Charges : {$360.00} XX/XX/XXXX - XXXX : Disputed XX/XX/XXXX Security Credit issued XX/XX/XXXX {$54.00} XX/XX/XXXXXXXX XXXX XXXX Disputed XX/XX/XXXX Security Credit issued XX/XX/XXXX {$2700.00} XX/XX/XXXX XXXX XXXX Disputed XX/XX/XXXX NO CREDIT ISSUED
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a Experian, XXXX and XXXX credit report on XXXX XXXX and Derogatory Remarks of 30-59-60-90 days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from Experian, XXXX and XXXX.. 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with Experian, but accounts mentioned are not been displayed on XXXX and XXXX. 
Why Experian, XXXX and XXXX not displaying Current on XXXX account as all accounts are Current.

A Legal letter has been implemented for XXXX, Experian, XXXX  and XXXX  to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.
Product: Credit reporting

There is incorrect personal information on my credit report. Incorrect variations of my name are showing on the Transunion report as well as an address that I have never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Credit card or prepaid card

I applied for a credit card with Union Bank XX/XX/2021 ; never received a reply ; no card to activate. Little did I know, an identity theft had already occurred. Charges were allowed on the card for more than 2 months! I wound not know because no statements were mailed to me. I blame Union  Bank for letting its guard down maybe because I had a high credit rating XXXX. No verifying my identity, allowing the fraudulent user to steal my identity, proceed with anomalous multiple purchases and cash advances in just 2 days without any check or verification that it was indeed me ; no text no phone call, no alert, at all. 

Unknown to me, transactions amounted to almost {$18000.00} have been accumulating from XXXX XXXXXXXX XXXX, using up the credit limit of {$15000.00} and then some. This is obviously a red flag that Union Bank did not do anything about. I have copies of 2 monthly statements which by the way were not received in the mail - I had to request for them late in the game. Month after month, interest and late payment charges were leveled against the account with this high balance, which by then in XXXX came as a big shock when I finally got the statement mailed to me. All this time, I thought my application for the credit card in XXXX was denied and forgotten. 

I personally went to the bank in XXXX, to tellers, to account managers to have the whole thing rectified and in earnest time. Nothing happened immediately but eventually got a letter from Fraud Dept stating that the matter is under investigation, after so many calls and hours of waiting in the call answering system. 

I don't even know the full account number, just the last 4 digits that show on the statements. From my multiple calls with Union Banks representatives over the months, I was able to gather the first 6 digits of the account number and a phone number associated with the perpetuator. No follow up at all from Union Bank until now that I've sent letters to all three credit bureaus and CFPB. XXXX XXXX Bank now asks for a police report which I immediately mailed to them today, XX/XX/XXXX. I will be giving updates right after anything comes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt resolve my complaint about addresses on my personal information had no concern at all
Product: Checking or savings account

On XX/XX/2023, I received a fraud alert text from Chase bank. I responded that I did not recognize the transaction and canceled my debit card. I immediately reviewed my online transaction log and noted 16 unauthorized charges, all to XXXX. I called Chase and opened a claim for all of them, totaling {$510.00} with tax. A couple of hours later, I discovered that my XXXXyo son had bypassed parental controls and multifactor authentication on an XXXX and made these purchases. I notified both Chase and XXXX immediately and requested refund from XXXX. XXXX refunded {$88.00} but refused to refund the rest. XXXX also disabled my account so that I could not access anything. ( I have filed a separate FTC complaint for XXXX ). Chase did " an investigation '' and determined my claim was denied on XX/XX/2023, communicated via letter uploaded to their app. I spoke to a senior person in their claims department ( XX/XX/XXXX ) who told me the claim was " invalid '' but refused to tell me why it was " invalid '' except that it involved a digital wallet instead of a physical card. I asked if she meant to say that my digital wallet could be freely used without authorization by me, and she became flustered and hung up on me. I expect Chase to protect my bank account from unauthorized purchases ( including by my XXXX year old son ) and to limit my liability under the Fair Credit Billing Act. I also expect my use of a digital wallet and/or online purchasing to be protected just as much as purchases using a physical card. Of note, I do not have access to the items purchased, in addition to the fact that purchases were unauthorized. 

Also of note, Chase canceled my replacement debit card without notice on XX/XX/2023. Their debit card department stated via phone call that the claims department did this due to unauthorized purchases using a digital wallet ( presumably, the purchases above as I have not reported other unauthorized purchases ). This would seem to contradict their statement that digital wallets can not be involved in unauthorized purchases. 

I have uploaded the letter from Chase which includes the following : " Contact us if you would like to request the information we used for our research. '' This was refused and the agent hung up on me. I have also attached screenshots from XXXX showing the refund requests to XXXX.