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

XXXX XXXX is reporting to my Transunion report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on XXXX  XXXX XXXX XXXX  ( XXXX  ) Date opened : XX/XX/XXXX SOUTHWEST CREDIT SYS ( XXXX XXXX Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt XXXX you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my credit report and noticed Inquiries that I did not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am submitting this Complaint To CFPB. I was tod that if I had a complaint submit it to CFPB. What do you do? From my perspective, you always defending XXXX XXXX XXXX and Carrington Mtge. They close the Complaint by writing Duplicate. The Complaint is NEVER answered. I am requesting CFPB do an INVESTIGATION of Our Mortgage Loan. 
I am asking CFPB to have Carrington Mortgage and XXXX XXXX XXXX to CORRECT our Mortgage Loan and take our Home out of Forclourse and Cancel the Short Sale for XX/XX/scrub>XXXX XXXX XXXX Our home has 4 wrongful Forclourse. We have never miss a payment. The Bank is committing the Act of PREDATORY Lending and I want a INVESTIGATION and a AUDIT of our LOAN
Product: Mortgage

In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. 

I submitted payment today including PMI and expect that to be reimbursed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Mortgage

Please see Attachments : I received a foreclosure letter from a law firm saying I owe the mortgage co. XXXX on XX/XX/XXXX18. I called the mortgage company spoke to my account manager XXXX XXXX he stated that I have a lean on my home. I ask him why did they approve the short sale and stating that my realtor can just make a offer on my home. 
I received 2 offers on my home from buyers. I sign off on the cash offer for XXXX for buyer to purchase my home. 

XXXX XXXX XXXX Principal Broker XXXX XXXX XXXX, XXXX XXXX Referrals are greatly appreciated and are the highest form of compliment! 

On Tue, XX/XX/XXXX at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : XXXX, thank you for your email and docs. Because you have complied with the list price we will provide FC protection. The foreclosure has been placed and will continue to be placed on hold as long as the marketing continues with the agreed list price. Obviously if we approve a short sale, the foreclosure will continue be placed on hold. 



Let me know if you have any additional questions. 





XXXX XXXX Asset Disposition Specialist Fay Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, IL XXXX XXXX toll free XXXX direct XXXX fax XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To :  XXXX XXXX XXXX Subject : RE : [ External ] XXXX XXXX XXXXXXXX PLACE PRELIMINARY HUD XXXX We have rushed this should be about 3 working days.5-7 is typically our turn around! XXXX XXXX XXXX Business Development Officer Department or Division Name XXXX XXXX XXXX | XXXX | *If wiring funds to XXXX XXXX , please call us at XXXX to verify our wiring instructions prior to wiring the money. We want to keep your money safe! 

XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Office : XXXXMobile : XXXX Fax : XXXX Email pkgs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX, IN XXXX Office : XXXX Fax : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hit with an inquiry from XXXX National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then Transunion tells you to contact XXXX ... .thus an infinite circle. Inquiry from XX/XX/XXXX. XXXX. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my TransUnion credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.
Product: Mortgage

We are trying to sell our home in a short sale due to a divorce/pending foreclosure. We also filed bankruptcy and our 2nd mortgage was supposedly included in that. Now the 2nd mortgage company, Ditech, is demanding {$20000.00} even though they have charged off the debt. 

The 1st/2nd mortgages were originally obtained through XXXX and the XXXX went to XXXX and the XXXX went to Ditech. Neither XXXX of these companies seem to want to settle this all once and for all. Our short sale contract has now been dragging on for 9 months. Meanwhile, XXXX filed to proceed with foreclosure even though we are doing our best to short sale and move on.
Product: Mortgage

PAID OFF THE BALANCE DUE XX/XX/2019 {$11000.00} - PAID OFF EARLY ONXX/XX/2018 BUT RECEIVED NO BENEFIT FOR EARLY PAYMENT. TALKED WITH TWO SUPERVISIORS WITH NO ADJUSTMENT - IN BANKING WE CALCULATE INTEREST ON SIMPLE WHICH SHOULD SAVE ME {$190.00} IF I HAD PAID THE BALANCE OF {$10000.00} ON XX/XX/2018 - THEY WOULD GET NO INTEREST. IT WOULD SEEM THAT {$1200.00} IN INTEREST FOR A 4 DAY LATE PAYMENT WOULD MAKE THEIR DAY. IT WAS NOT DISCUSSED AT THE TIME SHARE XXXX ABOUT THE DEFERRED INTEREST AND I ASSUMED THE INTEREST WOULD START AFTHER 6 MONTHS.

XXXX XXXX - XXXX XXXX XXXX, XXXX, TEXAS XXXX E-MAIL XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have been trying to access the online website of these credit bureaus so as to get a copy of my credit report but without success. 
Can they please send a copy of my credit report to the address on file please.
Product: Checking or savings account

I became aware that my internet service provider, XXXX, had made 3 unauthorized debits to my checking account. The last charge being very large, {$510.00}, taken out on XX/XX/2018 and today 's date is XX/XX/2018. I tried calling XXXX but they argued with me saying that I had approved it for them to make auto pay payments for my internet service. I told them that I had not and it all ended badly with my hanging up. I then went to my bank ( Wells Fargo ) to let them know of the charges. What it all boiled down to and what they told me was that because I still had an account open with XXXX they could not dispute the charges and could do nothing for me. I don't understand this because if I did not authorize them to start taking payments from my account then it is not their account to be going into. Not their money to take!
Product: Mortgage

I applied for a modification, with NACA per NACA, Ocwen the mortgage holder is not honoring the chapter XXXX Bankruptcy charge off, and is refusing the modification, if Ocwen had problems with the Bankruptcy they were given the amount of time allowed, to do so. 
They ask for the RMA, they got it, any information they ask for they received it.
Product: Mortgage

In the fall of XXXX I had a tree fall on my home and Insurance covered a lot of the repairs but we did need to make some on our own and Chase gave us a deferment on the mortgage because of this. The deferment ended XX/XX/XXXX which is when COVID began and I started making phone calls asking for a loan modification which was denied but I was told if I brought my loan to being less than 90 days late I could get a COVID protection which I then struggled and made a lump sum payment on XX/XX/XXXX so that I could be approved for the COVID protection and defer my payments with a balloon payment at the end being one of the options I could choose. I was on COVID protection until XX/XX/XXXX. During which time I kept in touch with Chase and asked several times what would happen at the end of the COVID protection and if a balloon payment or extra payments added onto the end of my loan was still an option and I was told several times that was options. Now in XX/XX/XXXX I am being told by Chase that I am not approved for any type of balloon payment at the end of my mortgage or putting the payments on the back end of the mortgage because my loan was not current when I started the COVID Protection, the reason I was not current is I had a deterrent due to the tree falling on my home. I was not told that it was something I had to get approved for I was told it was something I could choose to do. I am now being told I dont have any options except to pay the 18 months of missed payments up front or in a 6 month payment plan or sell my home. I just want the missed payments during the COVID protection put at the end of my loan in either a lump sum or missed months added on in months at the end like I was told I would have the option to do.
Product: Credit reporting or other personal consumer reports

My information was leaked in the eqifax data breach. And my information is all over the dark web and it was used.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and saw that I have fraudulent activity
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : XXXX. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., Lexis Nexus, Early Warnings, XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. XXXX*Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated XXXX Notices. 

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your bureau and noticed inaccuracies in the reporting of late payments on my account. Despite multiple requests to remove the late payments and update the reporting accurately, no action has been taken. Other bureaus have completed their investigation and updated the reporting accordingly. These late payments are inaccurately reported, and I believe there has been an error in the reporting. I want to emphasize that I have consistently maintained a positive payment history with the mentioned creditors. There were no late payments during the disputed period, and the current report does not accurately reflect my creditworthiness.I am formally requesting an investigation into the inaccuracies in my credit report. Please update the accounts instantly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau blocks any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

I have had an acct with XXXX XXXX since 2022. I enrolled in oops and was always charged overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Checking or savings account

On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS XXXX XXXX XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named " XXXXXXXX XXXX, '' rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. 

We noticed the fraud a few days after XX/XX/XXXX and contacted Ally Bank, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with XXXX XXXX XXXXXXXX, the depositing bank, communicating the fraud and request a return of funds. 

As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. 
Ally has not given any indication of timing, and XXXX XXXX XXXX ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. 

These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I received notification that my credit limit was decreased on my Lowes, Amazon, and Sams club card based on false reporting on my credit ( USDA ) which is 100 % false! That is currently being disputed and I have proof of their false reporting. They also mentioned not paying off student loans, to which, I am a XXXX XXXX and subject to PSLF. XXXX payment while they are calculating MY government service credit ( still pending- XXXX PAYMENTS AT THIS TIME ). With these accounts, I have paid, on time, never late, and/or have paid off multiple times over! Synchrony should be ashamed of their actions against a loyal customer who has paid on time, all the time! As a matter of fact, Ive paid off 3 credit cards over the last 60 days! Please make this public and encourage consumers to go elsewhere!
Product: Mortgage

I received a XXXX XXXX XXXX loan, Bank of America did not credit the funds that XXXX XXXX   and I paid towards my mortgage principal. Therefore, my mortgage balance is incorrect. Bank of America is foreclosing on my home eventhough the mortgage was not properly credited.