23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Early in the week of XX/XX/XXXX I submitted a scheduled payment for my mortgage via their website to be collected XX/XX/XXXX ( Friday ). XXXX added was " For XXXX '' which I always have added to my payments. 

Come XX/XX/XXXX, they did not collect the money and I went to check the scheduled payment which had been removed from their system as if I had never scheduled it. So, I scheduled the payment again. 

I checked my account today XXXX and they charged me for BOTH payments on XXXX overdrafting that account. 

I reached out for a refund, they said because the payment was taken in XXXX, it counted for XXXX and they would not refund it. I have screenshots of the whole conversation with their corporate customer experience supervisor " XXXX '' from XXXX detailing my sitation, their error, and their refusal to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/XXXX. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called XXXX on XX/XX/XXXX to be told that they saw no such inquiry on my report. 
I can not even get through to Experian. 
I called XXXX Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have attached all supporting documentation to support my such as police report and all verifiable identification, I demand that these inaccurate fraudulent accounts be blocked and removed from all three credit reporting bureaus immediately
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit card

On XX/XX/year> I ordered a chest from XXXX XXXX. 
The furniture was delivered damaged, and XXXX XXXX the delivery company, took it back with them. 
XXXX, reshipped the piece of furniture, however, it took weeks, for the delivery, when XXXX arrived again, by XXXX XXXX, they arrived late, and again this dresser was damaged on the inside. I had to request XXXX, to have the dresser picked up, it took many weeks for this to happen. Unfortunately, XXXX Bank, the credit card issuer, for XXXX started charging me finance charge, on this dresser. 
I also ordered a set of outdoor furniture from XXXX during this same time period, I then called XXXX to cancel the outdoor furniture order, upon discovering it was on back. Unfortunately, I was not issued a credit for many weeks, and again XXXX Bank, began charging me finance charges on merchandise I cancelled and never received To keep my account in good standing, I issued payments to XXXX Bank, for merchandise that was either damaged or cancelled, and never received I have contacted XXXX Bank a dozen times, Ive contacted XXXX as well They both refuse to issue me a credit for the finance charges, and reimburse me for over payments. 
Horrible, service, and no one should have to spend hours on the phone with a credit card company over simple arithmetic, and worse their business practices are against the law
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : US DEPT ED {$1700.00} Opened XX/XX/XXXX US DEPT ED {$2200.00} Opened XX/XX/XXXX US DEPT ED {$4100.00} Opened XX/XX/XXXX US DEPT ED {$740.00} Opened XX/XX/XXXX US DEPT ED {$4100.00} Opened XX/XX/XXXX US DEPT ED {$4200.00} Opened XX/XX/XXXX US DEPT ED {$6200.00} Opened XX/XX/XXXX US DEPT ED {$2500.00} Opened XX/XX/XXXX US DEPT ED {$4800.00} Opened XX/XX/XXXX US DEPT ED {$1900.00} Opened XX/XX/XXXX XXXX XXXX XXXX  {$430.00} Opened XX/XX/XXXX STATE OF MI XXXX XXXX {$0.00} Opened XX/XX/XXXX STATE OF MI XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) {$2900.00} Opened XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this re-investigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Mortgage

I did a modification in 2009 and the company PHH Mortgage has never reflected my credit history to the three credit reporting agencies. PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX Call toll free : XXXX Fax : XXXX. I have made all of my payments on time and I need this to reflect on my credit report. Because it is not there it creates confusion with companies that I am apply for credit with. I contacted PHH twice and was told that they would get back to me without success.
Product: Student loan

Loss of Job due to Covid 19 we had to go into a payment assist so we thought with our Student Parent Loan with Wells Fargo, we were told Forbearance of about 6 months. They are starting collections on us. This is very hard for us to pay XXXX a month but they have increased the payment and want use to pay over XXXX dollars we have received no paper work in the mail just on line banking. I have called Executive Office they have a case number but it is not or no one is working on this. Wednesday some women by the Name of XXXX took intake info for their collections department. 
All we wanted was to put the missed payment on the back of the loan it is a fixed rate they changed that to a increase baring loan. With out us or our consent. We are struggling to just pay our mortgage 2nd, and property taxes. I was able to get other credit cards down but with this added expense it increase our monthly to over XXXX a month we have to purchase food on line, delivery cost has I am Medical issues that I can not go into stores at present. We have to order everything. My Husband was a XXXX  XXXX  had several jobs for the year they have been all canceled due to no XXXX  opening with his district that he worked for and there is no news has to went. We have a crewfew in our town XXXX XXXX XXXX. our county is in XXXX XXXX. California
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my Transunion credit report from XXXX XXXX XX/XX/year>
Product: Debt collection

On XX/XX/20 a debt collector from lvnv funding called the home of my parents whom I haven't lived with in 20 years and asked for my mom and told her she was attempting to serve me legal papers for my debt and wanted my telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days since I completed my fourth complaint to the credit bureaus all three of them regarding inaccurate information reporting on my credit profile. I have not received a response from them. In regards to a bankruptcy and several other items that are being reported unverifiable and incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the obligation to report accurate information on consumers. They have assumed the role! I have been repeatedly affected by the the unfair reporting of Experian. They are reporting information that is impacting my life substantially. Constantly being denied credit and opportunities to give my child a stable home. Every time I dispute I get the same email word for word about my dispute. They are using XXXX  to send automated disputes without verifying any of the information which leads to inaccurate information about me on my consumer report. They are reporting a negative account and address which does not belong to me. Reporting that information is a security risk for whomever it belongs to. I have sent multiple disputes via mail that included my FTC identity theft report. The FTC is law enforcement agency that prosecutes individuals who make false claims. I have not made this report based off misrepresentation of fact by me. They have said multiple times the FTC is not law enforcement agency in the responses that weren't sent to me from Experian. 


In accordance with the Fair Credit Reporting act. The account and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card

CITI decreased my credit limit from {$10000.00} to {$4800.00} after I paid off one of my credit cards with another credit card company. I was unaware of a {$16.00} interest charge with the other credit card company ; the other card company did not contact me by phone or mail about it. Consequently, my account went 30 days past due. I only found out about this when I received a credit alert stating that I had a past-due account. My credit score dropped from XXXX to XXXX, a significant blow. This complaint is because I have been a loyal customer and have NEVER been late with the payment history CITI. I have always made timely payments, and I believe my credit limit should not have been decreased. I don't understand why CITI, without knowing all the facts, decreased my credit line, so I'm requesting that they increase my credit back to the same limit of {$10000.00}. I worked hard for my credit line to get to where I was, and this is not right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond exhausted trying to work out this situation of the false reported information on my report with XXXX XXXX. I just received a letter today dated XX/XX/2018. I sent XXXX XXXX my identifications and my police report and their credit report they had specifically sent to me showing the negative account that is not relevant to me. I also sent them a affidavit from XXXX notarized which XXXX had already resolved the situation as proof to them and all requested documents by them as well in addition to my identity theft affidavit signed and notarized. I have called them and left them several messages as they do not answer their phones or can you speak to a representative unless they received your message on their recording. The item reporting on my report is not my account ; I've sent all proof which XXXX has completely ignored and used a tactic to purposely delay investigating this to have this removed off of my report. Instead they sent me a letter requesting my driver 's license because they claim they can't see it when this is the same exact copy they received when sending me my original report so this is obviously some ridiculous tactic they're using. They're also stating they need my address verification.. XXXX XXXX has my driver 's license that has the primary address on it and they also have my mailing address at my XXXX XXXX address which I noticed in my report they only have my XXXX XXXX and not my primary address which they need to include. I need my full disclosure report not a partial report.. I need my entire report. This false reporting account needs to be removed off of my report otherwise I will sue XXXX XXXX XXXX for Defamation and I will also sue for willful injury and financial injury under the FCRA SECTION 623 LAW. XXXX XXXX needs to delete and remove this account off of my report and provide me with an updated Report with my addresses on them. This fraudulent account needs to be removed off of my
Product: Debt collection

I have no knowledge of the debt when I call the original debt provider the no knowledge of any debt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX with a balance of {$5900.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$990.00}, 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 {$8000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 or other personal consumer reports

I trust this correspondence finds you well. I am writing to convey my ongoing disappointment and apprehension regarding the unresolved dispute I lodged concerning the unauthorized account on my credit report, stemming from identity theft. Despite my prior communications and the supporting documentation I provided, I regret to note that the account in question has not yet been removed from my credit report. Since my initial dispute, I have taken additional measures to verify my identity and provide the necessary documentation to substantiate my claim. As outlined in my previous correspondence, I enclosed a copy of my government-issued ID and proof of address. I kindly request an update on the progress of your investigation and clarification on the reasons for the delay in removing this unauthorized account from my credit report. The prolonged presence of this fraudulent entry is causing me considerable distress and hindering my ability to access fair financial opportunities. 

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

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 MONTHS REPORTING 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my property in XXXX XXXX Texas on XX/XX/2020. The current Lienholder was paid in full and as of today has yet to file a release of lien with XXXX XXXX Texas or send me a copy of the release so I can file it myself. I have made over 20 phone calls about this and have had zero resolution. My loan number is XXXX and the NMLS for LoanCare is XXXX