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

In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXXXXXX XXXX  : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXX XXXXXXXX XXXX Owed : {$0.00}.
Product: Mortgage

Real Time Solutions is reporting currently past due and like a foreclosure. I have never had a mortgage with this company, only XXXX XXXX XXXX and those were all paid out through the sale of the home in XX/XX/XXXX. I have no idea who this company is and why they are reporting. I demand proof of documentation I signed regarding this!

This is showing very old also from XX/XX/XXXX and would be past the statute of limitations as well.

.

Also all my info is on the attached credit report because I have NO address to list with this mortgage because I don't know who they are! So they better not try to stall and say they can not locate me without a property address. Use my social and date of both on the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX is on my report twice XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt was just listed on my credit report as " XXXX XXXX XXXX '' and does not give an origination date of debt or what type of debt it is. The date reported on my credit is XX/XX/2021 and is listed twice with both amounts listed as {$1900.00}. Please note specific date of debt and accurate amounts. Also, please identify the type of debt that this is. This is a debt from XXXX XXXX XXXX in which the wrong insurance information was used by the hospital, therefore the owed debt falls on me.
Product: Mortgage

In XXXX I refinanced my home with XXXX XXXX. In XX/XX/XXXX I received and email from XXXX that they were transferring the loan servicing to XXXX XXXX. A new loan number was assigned ; XXXX. Under my original contract with XXXX no late frees would accrue until the payment became past due after the XXXX of the month. The due date is the XXXX. I am on Social Security and my monthly payment comes on the XXXX Wednesday of each month. Up until this transfer I was ever late past the XXXX. Since the transfer to XXXX I have been charged late fees. I have complained to them and demanded return of these fees. They respond that they have a policy for late fees. I advised them they can not unilaterally change the terms of my contract with XXXX and demanded they cease and desist any further late fees and to also return all charged late fees forthwith. They simply respond with a computer no doubt. It is hornbook law that a contract involving real property must me in writing. That would include an modifications. No such modification has been executed and XXXX has taken this contract subject to all of it provisions. Please help. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1XXXXXXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.ENHANCED RECOVERY COL {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX  {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX  {$240.00} DATE OPENED ON XX/XX/XXXX
Product: Debt collection

The original debtor XXXX has already collected full payment of this debt in the amount of {$750.00}. During a conferenced call on XX/XX/2017 Diversified Consultants, Inc. debt collection agency acknowledged receipt of full payment however ; they refused to remove it off of my credit report and provide a letter stating that the account has been paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a lot of letter to the bureaus such as XXXX, XXXX  and Experian, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX  XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX   XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Product: Credit card or prepaid card

On XX/XX/2021, I requested that my account be closed because of a lost card. Since then, the bank has failed to provide me with statements for the account, online access to the account history, information on reward points associated with the account, and charges and payment made on the account.
Product: Credit reporting or other personal consumer reports

I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP GET THEM REMOVED.
Product: Bank account or service

After 10+ years of banking at Wells Fargo they closed my account due to a " business decision ''. Meaning, a relative gave me a check and it bounced because she did n't have enough money in the account and they had to return the check, so they charged me {$12.00} and closed my account. They never gave me any warning or alerted me. I was told in the branch they would send me a letter explaining everything and a letter was never received. Additionally, they will not allow me to access the money in the account, which I desperately need to pay bills, causing over {$200.00} in late payment charges. After calling multiple times and being transferred over XXXX times to different departments I never got an answer. After closing my checking account and freezing my money they subsequently closed my credit card causing multiple declined purchases.
Product: Checking or savings account

XXXX in fees that were fraudulent on my kids banking transferred online from my account to theirs from various vendors such as XXXX in an online way not by my self authorized or by my children the bank researched and reversed and unreversed edit causing me to overdraft and will not refund my funds, reinvestigate claiming they are my charges, refuse to speak, or allow me to appeal. most charges are insufficient bank fees as well. i was laid off, realizing this happened over months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX -XXXX  {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, Experian and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stay away from this dealership they discriminate against XXXX XXXX XXXX. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a manager or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another Lexus dealership in the XXXX XXXX especially when they discriminate on XXXX XXXX XXXX XXXX. I served XXXX combat tours in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Mortgage

I filed for hardship assistance due to covid and have not made payments on my account since XXXX of XXXX until XXXX of XXXX. When I started making payments again Land Home Financial told me that I would be able to do a Loan Modification as this would take into account the change in rates since I started my loan. They told me that if I was looking to refinance or sell my home that this was my only option otherwise I would have to pay back the past due balance prior to doing that. I then received a letter that my loan was being differed, where all the money owed was being moved to the end of the loan. When I called about the issue I asked to speak to a supervisor to have everything sorted out. I have never received a call back when they informed me I would receive a call back within 24 hours. I have since called them 2 or 3 additional times without a response back from a supervisor to address the complaint. From the person that I spoke to earlier today they told me that my loan is now in a Flex Modification state, which is not the same as a Loan Modification that I would have been available for if they did not put my loan into a differed state. I would like to have all the options that I would have had in the first place coming out of hardship. This time has been hard enough and dealing with this is making it more difficult. I have been in contact with the hardship assistance team and the loan team during this entire process to ensure I was doing everything correct and taking all the necessary steps to prevent issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX OHIO XXXX. My DOB XXXX My SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Mortgage

I am a surviving spouse of a property held in Joint Tenancy in the state of California. I am on the Trust Deed but not on the loan. I have since filed an Affidavit of death ( By Surviving Spouse ) at the XXXX Recorders office, and title has been placed in my name solely, as allowed by California Probate Code XXXX. Since the passing of my wife it has been difficult for me to maintain payments on the note for the last 2 and a half years on my income alone. After careful consideration, I have concluded that the best option for me at this time is to try and have the lien holder approve a short sale, instead of letting the property go to foreclosure. I am still underwater on the property approximately {$80000.00} dollars, with the majority being owed to the XXXX lien holder. I have a real estate agent and a short sale negotiator working on the file, but the Servicer of the first loan Seterus is holding up the deal saying that I am not authorized on the loan, and that I need to go to probate to get authorization from court to sign on my deceased wife 's behalf. I have consulted with an attorney and I do not have the fees requested in order to file a case. It is my understanding that the purpose of holding title in Joint Tenancy is to avoid probate. The short sale negotiator has informed me that XXXX who is the investor on the loan has approved the short sale, but for whatever reason Seterus who is the servicer only, is denying the short sale. I currently have an accepted offer on the property and would like to proceed with the sale. 
Your assistance in this matter is greatly appreciated.
Product: Payday loan, title loan, or personal loan

I have tried to contact Lightstream ( the lender ) on numerous occasions to ask how much I still owe on the loan I took out several months ago. A recording gives me a phone number to call but the number just rings and rings! So, I re-dial and get a recording that tells me to hang up and try again! This ridiculous situation has been going on for days now and I'm extremely frustrated! Would you please tell them that they must make it easy ( not harder ) to get answers to their clients questions! Thank you very much.
Product: Credit card

I have credit card accounts with XXXX, CAPITAL ONE, and XXXX. On XX/XX/year> ( I believe ) I went on the CAPITAL ONE app and attempted to transfer my {$1600.00} balance from XXXX to CAPITAL ONE. The app kept giving me error by not submitting my request so I called CAPITAL ONE customer service to ask about it. Their customer service stated that they had no record of my request and assured me that it would go through. They told me to try resubmitting it in the App, so I did and still it wouldnt go through. So at this time I checked with my other creditor, XXXX, and saw they had a balance transfer offer with similar terms so I AGAIN called CAPITAL ONE and reported the issue with their app and to make sure that the transfer did not go through with them. They assured me again and just to be safe I told them that I IMMEDIATELY revoked any and all permission to do a balance transfer with them. I asked them to notate the account. Afterwards I logged onto my XXXX credit card app and did a balance transfer, transferring my balance from XXXX to XXXX. XXXX DAYS AFTER I called capitol one, the balance transfer that I was told would not go through, went through with CAPITOL ONE, for {$1600.00} PLUS a {$64.00} transfer fee. Since then I have spent hours on the phone and they have been rude and have flat out refused to refund the fee, or fix the balance transfer. As of this time XXXX has no record of this {$1600.00} balance that was transferred. It does not reflect on my XXXX account but capitol one assures me that it has already been paid. HOW?!?! I transferred that balance to XXXX in the meantime!!!
Product: Credit card

I made a purchase on a credit card which had a 0 % promotional balance on it. I called the credit card company ( Chase ) prior to making the purchase because I wanted to make sure I could pay off the purchase even though I had the 0 % balance remaining. The woman informed me that any payment I made over the minimum due would be applied to the higher interest balance - so I went ahead and made the purchase of {$89.00} knowing that I always pay well over the minimum due and the added purchase amount combined. Then I get my next 2 months statements and I have been charged interest in both billing cycles even though I paid 7X the minimum due and 2 X the minimum due plus the purchase amount. And now I am being told I have to pay off the entire 0 % balance before anything will come off the purchase balance. The amount of interest involved here is not the point - it is a matter of principle. I have attached documentation of my conversations with Chase, as well as my statements depicting the charges and payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.XXXX v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.XXXX  v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.XXXX  v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> a fraudulent loan was taken out on my Affirm account in the amount of {$1600.00} from XXXX. I never made this purchase. Affirm has also been taking payments out of my bank account, my financial institution advised to contact Affirm so they can refund the payments they've been taking out from my bank account. Ive contacted Affirm numerous times without any response. Affirm just released a statement that personal info had been compromised as well.
Product: Debt collection

In early XXXX, my identity was stolen, and my corporate identity was used to apply and sign leases at multiple leasing companies in Florida. One of these companies was the XXXX, and has accrued a balance of {$10000.00} that is fraudulent. When I was first notified of this fraud, I submitted police reports in XXXX XXXX, and have since received additional noticed from then until now ( XXXX of XXXX ) regarding other balances ( including another fraudulent balance at a XXXX  XXXX XXXX XXXX for over {$9000.00} that XXXX XXXX has been attempting to collect ). I have filed reports through the Federal Trade Commission.