23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, I went into a XXXX XXXX to retrieve XXXX in cash and inserted my XXXX XXXX around XXXX. Later into the night both my wallet and phone was stolen out of my jacket pockets, I had no way to communicate with my bank and since I didn't believe they had my pin or access into my phone that I would deal with everything in the morning. When I woke up on XX/XX/year>, my phone was accessed by whoever took it and they sent themselves all of the money through XXXX XXXX, XXXX, and XXXX ranging to around XXXX. They took from the XXXX XXXX and XXXX at XXXX in a location in XXXX XXXX of XXXX which I wasn't near or have ever been to in my life. This was a Chase XXXX  and used my XXXX XXXX which was apparently used to get into my account first try. I reported to Chase on XX/XX/year> that this wasn't me who transferred all of my money, had access to my phone, and got cash through my card with their XXXX Chase returned all of my money except the XXXX transaction in which they reported that it didn't constitute as suspicous or fraudulent. I requested them to look into the other transactions made at the same time frame, the XXXX camera, my XXXX report filed with the XXXX XXXX XXXX, or acknowledge my phone being stolen. They responded with that they wouldn't move forward with the case and provided no additional information to me other than my XXXX XXXX wasn't used XXXX times to get money out of the XXXX. I mentioned in my XXXX conversation with Chase that I used my XXXX XXXX to get money from an XXXX the same exact night it was stolen and that isn't considered an acceptable method for someone to find out what my XXXX XXXX is.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX Balance : {$6100.00}
Product: Credit card

I XXXX that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$25000.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$7000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX XXXX {$740.00}, XXXXXXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00} XXXX XXXXXXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please, I need your help. 
I have tried all the available communication channels with Arvest Mortgage XXXX, and I am reaching nothing. My credit has been affected severely because of the Arvest mistake, or they're insisting on ruining my credit.

Arvest, the company that handles my mortgage, insists on ruining my credit score and, eventually, my credit report.

Attached is a letter from Arvest ( The mortgage company ) dated XX/XX/2021, informing me that they sent a correction letter to XXXX, XXXX, XXXX, and XXXX credit reporting agencies. Arvest also informed me that my loan status would show as current. 

On XX/XX/2021, I received the 2nd attached letter from my credit monitoring company stating that Arvest reports my mortgage account with Arvest as a major derogatory item. 

I don't know what to do? 
The damage has already been done to my credit score and credit report and fixing it will take over 2 months. 
I don't believe that it is my fault or mistake. 
Please help me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 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 months that are reported late 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been dealing with issues due a job loss as well as being XXXX. My husband and I have been doing our level best to make payments. 

However, PennyMac presented a loan modification to us as a way to fix this but the reality is that the terms of the modification do nothing to help people who are still going through a hardship. 

The terms were an increased interest rate, which we did not consent to. PennyMac also extended our mortgage by 10 years and increased our mortgage by over {$300.00} a month. All of those things go against helping someone with a XXXX who is struggling. The period of hardship is about a year, so why are we being punished for things out of our control ( laid off and XXXX )? I could understand a temporary plan to get things current but not basically restarting our mortgage again after over 10 years of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX  , Equifax , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ),  XXXX XXXX XXXX Acct XXXX ( Equifax , XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX, XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC ( PRA ) is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX Bank. I mailed a certified letter to PRA on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, PRA responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that PRA is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to PRA advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. PRA has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. XXXX, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.
Product: Money transfer, virtual currency, or money service

I was making a mobile transfer through the XXXX chime app on Thursday XX/XX/year> around XXXX in the amount of {$1600.00} input the recipients name which produced multiple results and selected the handle of the receiver. Immediately the funds were deducted but there was a lag in the receivers system and he did not get the funds immediately. I called Chime within XXXX secs of completing the transfer and the call was placed on extended hold. I spoke with XXXX reps and was advised the funds went into the account of an incorrect recipient. Someone I do not know. XXXX rep was able to confirm the transfer brought the recipients balance up to XXXX but could not disclose any other Information abt the person. They initially refused to even process a dispute and stated pay anyone transfers are ineligible for disputes which directly refutes what their website says. They told me the deposit posted immediately and all I could do was ask the recipient to return the funds. A person I don't know and have never had any communication with. After begging to be allowed to refute the transaction which I did not authorize to this individual I was finally aided in completing the dispute request at XXXX which advised it could take up to 10 days to issue an provisional credit however I received an email at XXXX that the dispute was denied and closed.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the rapid removal of a charge-off account from my credit report, despite multiple attempts to resolve the matter.

I discovered an erroneous charge-off account listed on my credit report. Immediately upon noticing this discrepancy, I took the necessary steps to rectify the situation. I promptly contacted both the creditor and the credit reporting agencies to dispute the charge-off and provide evidence supporting my claim.

This hasty removal has had significant negative implications for my creditworthiness and financial standing. It is imperative that such matters are handled with the utmost care and thoroughness to ensure fair and accurate reporting.

I kindly request a thorough review of my case and a reinstatement of the charge-off account pending proper validation. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to address a critical issue regarding the handling of a DISPUTE that was made a couple of months ago. Despite acknowledging the inaccurate payment history, balance on the account, and Date, when the account was opened, are incorrect, the Account was updated incorrectly, also the last payment activity was updated incorrectly, I have discovered that after my first dispute, YOUR company Equifax is still reporting inaccurate information. This persistent error is not only unacceptable but threatens my financial stability and professional standing. As an Agency that reports information for consumer creditworthiness your company is not reporting 100 % accurately and respecting my consumer rights. Your job is to report accurately and process my request. Failure, to rectify this issue on my credit profile would ONLY LEAVE ME WITH NO CHOICE BUT TAKE LEGAL ACTION TO SEEK REMEDY. I insist on immediate action to correct the inaccuracies on my credit report. ONCE again, Failure to do so will force me to pursue all available legal remedies, including litigation for damages. YOUR COMPANY HAVE TIMELY MANNER TO REINVESTIGATE THIS AND REMOVE/ DELETE IMMEDIATELY within XXXX Business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to XXXX XXXX website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted EXPERIAN, XXXX, XXXX to get written validation of the inquiries. No documentation was provided. This has caused XXXX  distress and pain & suffering.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX, trans union XXXX at their address regarding potential violations of the Gramm-Leach-Bliley Act ( GLBA ) and Section 623 of the Fair Credit Reporting Act ( FCRA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, XXXX, XXXX and Transunion has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. Additionally, under Section 623 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of data they report to credit bureaus. This lack of transparency and validation raises significant concerns about improper data sharing, inaccurate reporting, and potential violations of federal privacy and consumer protection laws.
Product: Debt collection

I disputed this collection via XXXX in early XXXX  and the debt was removed, but somehow re-appeared. I then submitted another dispute in XX/XX/ that was declined. This medical debt is a result of identity theft and it is now hindering my financial standing as I try to move forward with other personal endeavors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX, since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX ) was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Debt collection

I have never had a phone bill with XXXX. However, one did appear on my credit over a year ago. The representative from XXXX advised me to file a police report- i did. XXXX removed the account from my credit. 

That said, an account by Enhanced Recovery in regard to XXXX was placed on my credit. I never received a collection notice from them- if i had i would have advised them that the account was fraudulent
Product: Mortgage

We originally purchased out home through XXXX XXXX ( XXXX ). We refinanced with XXXX XXXX in XX/XX/XXXX. The mortgage was then sold to XXXX XXXX XXXX, then Greentree Mortgage, who became Ditech Mortgage. Jumping forward to XXXX, XXXX. We had an opportunity to refinance at a lower rate, shorter term, plus consolidate four payments. The process went well until a major road block. During due-diligence by XXXX, we determined XXXX XXXX failed to file a lean-released with the title company. Non of the successive mortgage holders caught or brought to out attention this error. DiTech Mortgage was aware of something because in their Title Insurance, Page XXXX ( XXXX ) XXXX XXXX was excluded from their responsibility. Therefore, we can not refinance our home at a lower payment, rate, and term, nor can I sell my home. I am tied to a lender I do not like or want at their. terms not mine. I am locked into a higher rate, term and can not reduce my dept load because of someone not doing their job. DiTech gave themselves a " get out of jail free card '' at my expense. Comsumer 's can not move forward with wise financial decisions when the banking/mortgage entities are allowed to control out finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report XXXX XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
Product: Mortgage

Key Bank Mortgage Loan Servicing XXXX XXXX XXXX, XXXX Ohio Summary : The mortgage payment is due on the first of the month but must be received by the XX/XX/XXXX of the month. I have submitted every mortgage payment in a timely manner. I submit all payments by electronic check. Keybank receives the checks 4-6 days after the check is sent. By the XX/XX/XXXX or the XX/XX/XXXX of the month as documented by the bank I send the electronic checks from. Keybank is taking 10-14 days to process the check once received by them. They are then charging a late fee. I have called them. They said that is not possible to take that long to process a check. I sent the proof to them. They did not respond. This is now the second time this has happened. The check was received XX/XX/XXXX. Key Bank then issues a late fee. When I spoke with them, they said, " why don't you just do " Auto-Pay ''
Product: Vehicle loan or lease

From : XXXX XXXX XXXX Subject : Misrepresentation of Creditor Status and XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX Credit Acceptance Corporation ( CAC ) for misrepresenting its status as a creditor and maintaining an unauthorized lien on my personal vehicle, a XXXX XXXX XXXX ( XXXX : XXXX ), under auto finance account # XXXX. 

Although CAC was initially assigned the contract from the dealer, the company securitized this contract into an investment trust, divesting all ownership and beneficial interest. This is confirmed by XXXX XXXX own SEC filings under the XXXX XXXX XXXX XXXX XXXX 2024 series. 

Despite no longer owning the contract, XXXX continues to : Represent itself as the secured party ( creditor ), Collect payments as if it has standing, Maintain the lien on the vehicle title. 

This conduct is a deceptive practice under the FTC XXXX : It misleads consumers about who owns the debt, Obstructs the transfer of clear title, Creates potential wrongful collection or enforcement threats. 

I am requesting review this conduct and take regulatory action. 

Respectfully, XXXX XXXX XXXX