23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Bank of America, in my account o transferred XXXX $ from company account XXXX XXXX XXXX XXXX to XXXX bank XXXX XXXX the amount received only XXXX XXXX the bank did transfer it to another currency causing huge loss ( almost 3 % ) of the whole amount.
Product: Credit reporting or other personal consumer reports

EXPERIAN is not removing old charge off written off as bad debt XXXX income, XXXX XXXX, XXXX XXXX, and XXXX  credit cards must be removed from experian report, it hurts my credit so bad, I already paid income tax on that written off debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 copy in demanding the deletion of the accounts listed IMMEDIATELYI
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR XXXX CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX INQUIRY DATE XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to dispute my credit report, but e-oscar continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.
Product: Credit reporting or other personal consumer reports

I have incorrect addresses on my XXXX, equifax, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH
Product: Debt collection

On first contact from P & B Capitol Group, LLC, a woman, who did not identify herself, yelled at me and was very abusive to me, calling me names. I tried to explain to her that i was on SS at XXXX per month and have XXXX, but she would not listen ; I asked her not to contact me by phone anymore. She became even more abusive and yelled at me, " Collection efforts will continue ''. No paperwork or mailings have ever been received to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I am a victim of three data breaches since XX/XX/XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Experian 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Experian is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 card or prepaid card

Since XX/XX/2020 to Present I have been dealing with fraud on my credit card. Goldman has changed my card number over 5 times and I still get hit with the transactions. I have spent hours on the phone with Apple card support, over the last few months trying to rectify the situation. Merchants are able to charge my new card number after Apple card support changes my card. Customer service and I have confirmed that Goldman is forwarding the transactions but are unable to stop it. There is a complaint in since XX/XX/2020 with no resolution. As of tonight I have been changed another fraudulent charge.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNAUTHORIZED BY MYSELF AND NEED TO BE REMOVED FROM MY EQUIFAX CRE F IT REPORT IMMEDIATELY. UPON THIS NOTICE. 

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

I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
Product: Credit card

I was approved for US Bank Reserve Altitude credit card in XX/XX/XXXX. In XX/XX/XXXX, I applied annual fee waiver based on Military Lending Act and SCRA. I never received a proper response to my application and life was busy, so I did not follow up. In XX/XX/XXXX, I followed up with them on my annual fee waiver request along with a letter verifying my XXXX XXXX status during the time I applied for the credit card. Then, I received a letter stating because my credit card has been opened for more than 60 days, I am not eligible for annual fee waiver via MLA/SCRA. However, I did apply for the annual fee waiver a month after my account was opened but never received a proper response. Furthermore, I question if it is legal for US Bank to deny my MLA/SCRA benefit due to applying for this benefit outside of the window of within 60 days of account opening.
Product: Student loan

Im trying to settle my loans for a lesser amount as they are now being handled by a collection agency called pioneer credit recovery services ( pcr ) I was told by a representative there that they were refusing to send my offer to the original creditor assendium even after i sent 2 emails requesting them to do so one of the emails included the financial statement they requested I was also told by the rep that they are garnishing me so they will just get all the money that way to which I felt threatened and forced to try to get copies of personal records and send it in to them. Im in a serious financial crisis and am trying to clear this up to the best of my ability without my family and I loosing everything but this PCR company is making it nearly impossible I have offered to pay XXXX as a settlement in full and would like and need them to except this as this is all I have to give
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the validity of information on my Equifax Credit report in regards to the XXXX XXXX Account ending in XXXX. They had reported inaccurate information that I noticed on my credit report, and I demanded this account be removed from my credit file permanently. Equifax completed their investigation and they verified all the information on the account to be accurate. The confirmation number for this dispute was # XXXX. Upon checking my most recent credit report with Equifax, there are still very grave inaccuracies on my credit report in regards to this XXXX XXXX # XXXX account. 

Equifax claimed they contacted XXXX XXXX and did a thorough investigation and found all the information to be accurate, however this is not the case upon checking my XX/XX/XXXX credit report. In XX/XX/XXXX dispute results, Equifax verified that my Delinquency First Reported was XX/XX/XXXX and the Date of First Delinquency was XX/XX/XXXX. But when looking through the payment history of the XXXX XXXX Account ending in XXXX, there appears to be three different dates where a delinquency of 30 days or more occurred. These dates are XX/XX/XXXX where it shows 60 days delinquent, XX/XX/XXXX where its shows 30 days delinquent and we also have XX/XX/XXXX showing 30 days delinquent. If Equifax completed a thorough investigation and verified with complete accuracy that my date of first delinquency was in XX/XX/XXXX, then why are there earlier dates showing a delinquent status? If the Date of Major Delinquency reported was XX/XX/XXXX at 30 days delinquent, why is XXXX XXXX 60 days delinquent and not being reported as the date of major delinquency since 60 days is more than 30 days. When checking my XX/XX/XXXX credit report, its shows the date of first delinquency still being XX/XX/XXXX and the Delinquency First Reported as being XX/XX/XXXX, even though the historical status shows a delinquency occurring earlier. Why wasn't my credit report updated to show that XX/XX/XXXX was the correct first date of delinquency. So either XXXX XXXX is reporting false information, or Equifax has not completed a thorough investigation ensuring maximum possible accuracy. This is very harmful to my credit as it takes 7 years for late payments to fall off. Why are there any discrepancies with the First Date of Delinquency status if Equifax has verified information to be accurate? Clearly, that is an inaccuracy, and as such, this entire account needs to be removed from my credit file within the next 30 days. Equifax responded to my original disputes claiming that ALL information being reported by this Creditor had been verified as accurate, yet there are inaccurate dates of delinquencies. 

According to 611 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) if after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Remove and delete this account from my credit file.
Product: Credit card

My credit card payment was due on XX/XX/XXXX, and my oversight I did not set it up. I paid it on XX/XX/XXXX, only 2 days after due date. Upon making the payment, I noticed that I was charged a late fee of $ XXXX. I called the credit card company and asked why since it was only 2 days beyond, and most companies do give that leeway, and was told it is their practice to charge a late fee the day after payment was due if not made. I expressed my concern with that, and informed that I felt it was unfair practice, and that no other credit card company I have dealt with does that. Customer service rep was not helpful and not able or willing to adjust it as he stated again it was their practice to impose late fee the next day.
Product: Mortgage

On XX/XX/XXXX, we had hurricane Irma and due to that, I was out of work for a while. I called NationStar Mortgage which goes by Mr. Cooper now and explained that to them. They told me that I did not have to make any payments till XX/XX/XXXX and that those payments were going to be added to the back of my loan. I called them on XX/XX/XXXX, and the operator that I spoke with told me that I didn't have to make my payment till XX/XX/XXXX. When I tried to make a payment in XX/XX/XXXX, it showed that I had to pay {$3000.00}. I called and spoke with them and they told me that when I called in XXXX, they did not have a plan on how they were going to help the customers affected with the hurricane. I told them that they told me something different when I called on XXXX. I spoke with a supervisor who taught that all I have to do is send a letter from my job and after that the payments were going to be added to the back of my loan. I sent the letter and called them a couple of times and they never return my call. Two days ago, I got an email saying that nothing was approved and that I have to pay {$3600.00} all together and that they do not take partial payment. They are very deceitful and they should not be telling customer lies. If they would it told me that back in XXXX, I would borrow the money from someone and pay my mortgage. I do not have {$3600.00}, I work and go to school which I pay in cash. They need to honor their word and add those payments to the back of the loan.
Product: Payday loan, title loan, or personal loan

This loan was taken out due to fraud. Check my banking accounts I never got the loan deposited it my social security number was stolen and Ive had XXXX cases of fraud. This company is trying to turn this loan over to collections but it was never my loan to begin with
Product: Credit reporting or other personal consumer reports

Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX XXXX XXXX XXXX ) Account # ( XXXX ) The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiries were not and should not be reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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  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 XXXX
Product: Mortgage

I have a mortgage with NewREZ company for my home. I have this house from XX/XX/XXXX. As a part of loan amount I pay about {$170.00} in Mortgage insurance. Around XX/XX/XXXX I requested for PMI ( mortgage insurance ) waiver since the home has appraised over the years. I was asked to sign a document and sent it over authorizing the appraisal to be done. I have done so and sent back the document by XX/XX/XXXX. 

I have been following up with the costumer support regarding this issue and I have not received any clear direction. At one point I was told that they are processing my request but I have not received any updates at any point of time. I made the last call 3rd week of XXXX and costumer support agent mentioned that I need start the request process all over again. 

I was never informed in my previous phone calls that they have not received documents or asked me to re-send the documents. This delay in responses and lack of follow-up from the loan company has costed me {$2500.00} ( $ XXXX15months ) in PMI.
Product: Mortgage

- Current Loan of $ XXXX with Provident Funding - Applied for refinance with Provident Funding as the variable interest rate went up to 4.5 % from 2.75 % ( Loan # XXXX ) - Applied for refinance with $ XXXX downpayment to reduce further depth and also monthly payment. Locked the interest rate to 2.875 % for 21 days. 
- Current payment of {$3400.00} will be going down to {$2700.00} approximately - Provided all income and debt information to Provident Funding.

- Provident funding play game as the interest rate for XXXX ARM went up to 3.5 % - Provided every information and they suspended my loan application - Not able to reach the mortgage broker, always get voicemail. 
- Responded through email that the underwriter is not approving due to income/debt ratio.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES XXXX and XXXX DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to XXXX and XXXX is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option.

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date ofinquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiry XXXX XXXX