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

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account XXXX My data was affected by the XXXX XXXX XXXX, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Student loan

On XX/XX/year> I made XXXX {$250.00} payments to Mohela. The money was taken from my bank account but did not reflect in my Mohela loan account. I called and they said they will investigate as I had provided them the confirmation number for the payment. They say it could be a month. I called back in XXXX and they said investigations are running behind. I am now receiving delinquent emails but they have my money for the amount of delinquency. I have tried several times to call and get the same answer. Now they will be reporting to my credit scores for delinquent accounts but I have already paid them. The money is out of my bank and they will not reflect it on my mohela student loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is refusing my credit score in which I'm trying to keep up with due to fraud and stolen identity there is a fraud alert on all my credit reports yet the information they will not release to me is causing me even still to not be able to properly apply for or receive credit or loans
Product: Checking or savings account

In XXXX XXXX  I received a letter from my bank saying that my account was low. After checking my account I find that I had many unauthorized withdrawals from my account. I called my bank, and asked me to put all the different purchases and withdrawals in the same role, so that they will give each one a different claim number. This took a little time for my investigation team to do with so many vendors .a few days had passed, but we got to the bottom of what happened someone had attach my bank card to a XXXX XXXX and on paper it appeared that I was making all these withdrawals and purchases with my bank card but my was safely in my desk, but someone had copied my numbers from my card and was making all these unauthorize purchases. the bank did resolved most of the claims but the last claim for some reason they miss it and every time I put the claim in they keep telling me it was to late, but I put them all in the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

CASHCALL INC.IS APPEARING WRONGFULLY ON MY XXXX  AND XXXX CREDIT BUREAU REPORTS. 
IT IS ACCOUNT NUMBER XXXXCASHCALL IS A NOW DEFUNCT PREDATORY LENDER.I WAS PREYED UPON BY THIS LENDER UNKNOWINGLY TAKING OUT A APPROXIMATE 100 PER CENT APR LOAN.AT THE TIME I HAD SUFFERED XXXX STROKES IN EARLY MIDDLE AGE EVEN THOUGH EARLIER I HAD BEEN A PROFESSIONAL TENNIS PLAYER.CASHCALL VIOLATED A COURT INJUNCTION THAT WAS PERMANENT ( ATTACHED ) FORBIDDING THE ISSUING OF A LOAN WHERE THE INTEREST RATE WAS NOT CLEARLY EXPLAINED AND FOLLOWED UP WITH A EXPOLANATORY PHONE CALL WITHIN 72 HOURS OF LOAN ISSUE.THIS WAS NOT DONE IN MY CASE.

IN ADDITION THE CA SUPREME COURT ADDRESSED MY TYPE OF LOAN AS UNCONSCIONABLE AND THE FACT THAT THE LOAN WOULD BE INVALIDATED WITH OTHER PREDATORY ILLEGAL BEHAVIOR. 
CASHCALL ENJOYS DESTROYING OTHER PEOPLES LIVES AS THEY ARE DOING AND HAVE DONE TO ME.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. As a victim of a data breach, I believe these accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the accounts listed below : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$0.00}
Product: Mortgage

Specialized Loan Servicing is the third mortgage loan servicer servicing the mortgage loan secured by a condo unit that was owned by my late mother. One of my siblings prevented me from starting the probate process earlier, nevertheless, I continued making all the payments, but when Specialized took over, they stopped accepting my payments, and the real estate taxes included in the escrow were not paid to the county, placing a lien on the property, that was later paid by Specialized. There was not any type of communication from Specialized explaining what they had just done, nor what were the repercussions, and not even what happens next.
Product: Credit reporting or other personal consumer reports

I attempted to sign up for removal of credit freeze with Equifax. I attempted to reset myEquifax password, but was unable to due to " We are temporarily unable to complete this request. '' I then attempted to call their support number and after navigating their phone tree and uploading documents provided I was given the same error message. Attempting to reach a human was in vain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX XXXX  # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX Department  store, XXXX Department Store, XXXX XXXX Credit Card, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company
Product: Mortgage

In XXXX of 2012 I lost a good paying job. One that allowed me to afford a mortgage of almost {$1300.00} per. That same month I contacted CitiMortgage to make them aware of the situation ; however the first thing that said that they could not help me until I was at 90 behinds however at that point they will not take payments neither will they take patial payments. Currently they have taken over my title which I was not aware of until someone broke into my home and left a letter on my stove ; indicating they thought the property was vacant but in the meantime ; I was working with the bank month after month, sending them the paper work, the repeatingly kept asking me for. On XX/XX/XXXX I received an email from the bank confirming they received all my documents and that my foreclosure activity will cease while the account is being reviewed ; but that never happended. All the time I was working with CitiMortgage to work with me on a modification they were sending me the paper work but they never actually reviewed my request for modification which I learned today ; which Is why in 8 days I am expected to vacate. I have gone to court at least 4 times to try and have the case rescinded or reopen but the judge finally denied it after my motion to reopen., When I first went, I had no idea who would help me this late in the game ; however I did end up finding a program and when I went to court to show the judge I found a program who agreed to loan me the money to bring my loan current ; the judge denied me. I need to save my home because this is all I have. 

Suggestion requested!
Product: Checking or savings account

On XX/XX/2022 I received an email stating that I opened a Bank of America XXXX XXXX XXXX checking account with just my SS #. I did not open this account nor do I have any accounts with Bank of America. And I can't get BofA to close the account because no one will answer the phone.
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, several accounts on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent, and I am taking the necessary steps to resolve the situation. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. HCF - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Response to Request for Identity Verification for dispute made on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Thank you for your time and convince. GM financial has made my credit a nightmare of a situation. I have been denied loans, food opportunities, working capital etc. due to gm negligence of reporting inaccurate information of two deliquent late payments to all credit bureaus. I have never missed a payment to this date. XXXX and XXXX payments were made in one bulk payment via money gram to GM financial. 

My family new truck was held at XXXXXXXX XXXX  of XXXX ( XXXX XXXX, FL ) dealership for nearly two months during this supposedly occurrence of late payments. 
XXXX XXXX XXXX also compensated us these troubles. 


please fix this issue, thank you for your time,
Product: Mortgage

On XX/XX/2024 I received communication from Sofilending that I had an escrow shortage in the amount of {$930.00}. I was given the option of paying this shortage in full or having it divided between 12 monthly payments added to my monthly statement. On XX/XX/XXXX I paid the escrow shortage in full. I checked a box that specifically stated " Escrow Only ''. I am able to see that Sofilending received this payment, however to date It has not been added to the escrow account and was not reflected on the monthly payment which has increased. Messages I have sent the company have so far been ignored.
Product: Debt collection

XXXX XXXX of NCS has repeatedly called my employer and the HR department of my company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX ON XXXXXXXX XXXX, XXXX ON XXXX XXXX AND XXXX, XXXX, XXXX, XXXX, AND XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Called Citibank on XX/XX/XXXX to unlock my card after it declined. The agent unlocked it for me and said I was all set. It locked again the next day and I called again, but they insisted I needed a travel reference code that they never sent to me. Now theyre asking me to wait 7-10 days while on vacation for them to send me a letter by mail to recover the account. This is ridiculous how they have no other way to verify my identity except for the way they claimed to have sent the code but never did.
Product: Credit reporting or other personal consumer reports

IT IS VERY DISTURBING THAT I DISCOVERED FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT CONSIDERING I NEVER GAVE ANY OF THE CREDIT BUREAUS PERMISSION TO FURNISH SUCH INFORMATION. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 C A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM IDENTITY THEFT. THE CREDIT BUREAUS ARE ALSO FOUND TO BE IN VIOLATION OF 15 USC 1681E, WHICH STATES EVERY CONSUMER REPORTING AGENCY SHALL MAINTAIN REASONABLE PROCEDURES DESIGNED TO AVOID VIOLATIONS OF SECTION 15 USC 1681C.
Product: Mortgage

The very first day that I spoke with Wells Fargo, I assured them that my husband was on the title/deed of the house with me equally. I had this done specifically at a re-finance. Wells Fargo assured me over and over that his name was NOT on the deed and that, as we were in the process of divorcing, my husband would buy the house from me at appraised value. After the appraisal, Wells Fargo said that my ex-husband WAS in fact on the deed and that there could be no sale, but instead a re-finance of the home at a lower amount. They had to start all over. It took months to get my ex husband signed on the house two weeks ago. Now I am trying to buy a house in another town. I have been approved for the loan and have been offered no less than XXXX closing dates for the last month and a half. Each time, something comes up as done wrong and it 's consistently blamed on the underwriters team. This process has been more than just problematic, it has been handled ineptly. The lender representative has consistently talked over me, ignored my questions, and asked me to do the running-around and paperwork that he is supposed to be doing. I know this because the institutions that see me there in person keep asking why he does n't just call and get the same information/form/approval straight from them. I 'm worried that this loan will NEVER close. I am already paying utilities and electricity and insurance on a house in which I can not live, because I was supposed to be living there a month ago. I need help. I just this moment got word from the lender that they need a XXXX form. This is critical to a VA loand and I am amazed that they can get to closing day without a XXXX already ( which they already had and lost ). The lender representative is also holding a VA certificate of eligibility at this very moment that the underwriters are saying they do not have. This whole loan reeks of incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent. 
( My letters that was sent to the credit bureaus are attached )
Product: Credit reporting

I was trying to get a loan thru my bank and was told they could n't access my equifax report. So I called equifax and after being on hold for over 2 hours and transferred an got the run around I was told to fax my license and SS card because I had a sercuity freeze then wait 48 for them to get around to looking at it and removing the freeze. Well almost a week later when I still could n't access my report I was told I have a lock and my social sercuity number was removed off my name and would take 48 business hours to remove th lock that was stated in 2008 that was suppose to be canceled the same year. So I called today and now thy said it could be another 30 days to remove this control lock. Really?! After another 2 hours on hold and transferred all th place I get this.. How hard can this simple thing be to remove a lock and my banker be able to check my credit! You have no idea my frustrations with this process!