23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began making bi-weekly mortgage payments on XXXX/XXXX/XXXX. I was told that my mortgage would be paid off earlier my making my payments this way. I was thinking that my principal would decrease when I made a payment but did not realize until recently that the principal on my home loan did not decrease until I made the second mortgage payment. For example, on XXXX/XXXX/XXXX, I made a mortgage payment and my principal balance was {$110000.00}. I made another mortgage payment on XXXX/XXXX/XXXX, but my principal remained at {$110000.00}. My principal did not decrease until I made a payment on XXXX/XXXX/XXXX. This pattern continues until XXXX, and still exists. I believe this is an unfair practice and requesting that Wells Fargo be required ( retroactively ) to decrease my principal whenever I make a mortgage payment. 

Payment Payment Principal Date Amount Owed XXXX/XXXX/XXXX {$870.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00}
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Mortgage

On or before XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX ( SPS ) numerous requests ( 6-7 ) for information regarding my XXXX parent 's home in an attempt to establish communication regarding loss mitigation possibilities available by law, as a Successor in Interest. It was not until XX/XX/XXXX, after filing a CFPB complaint did SPS respond with a procedure for me to follow to document and verify my status as Successor In Interest. I expeditiously faxed the required documentation as requested the very next day and followed up with SPS via telephone on XX/XX/XXXX. Their response was, " we have no information regarding your request at this time. '' When asked when they would know, they stated we do not know when, call back in a few days to check. Please keep in mind I had already been verified by XXXX as a Successor in Interest prior to XXXX sending my parent 's loan to SPS for servicing. SPS 's response was that I had to start the process all over again. Therefore, this process has been going on for well over six months. SPS 's calculated attempts to impede my lawful rights as a Successor in Interest is suspicion for fraud. As time goes on, their self serving profit generating actions further impede my right to explore loss mitigation options that may allow me to keep my parent 's home and avoid litigation. Therefore, SPS continues to violate the early intervention requirements of the Real Estate Settlement Procedures Act, as well as other laws enacted to protect the consumer.
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 accounts 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 accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$270.00} TRANSUNION : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$270.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2017, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) : In this case, the plaintiff alleged that XXXX XXXX XXXX violated the FCRA by failing to properly investigate and respond to the plaintiff 's dispute regarding inaccurate information on their credit report. The court granted the plaintiff 's motion for partial summary judgment, finding that XXXX XXXX XXXX had violated the FCRA.
Product: Debt collection

The hospital submitted the insurance information in the wrong order and waited to notify us after the statute of limitations was up. 

Secondly, the collection company had my entire hospital file a breach of my HIPPA.
Product: Debt collection

I received a call from this company multiple times. When I asked what this is about, the agent wouldn't say that and instead kept saying they need to verify my identity. I grew suspicious if it was a scam and asked the intent. Upon which, the agent by name XXXX, disconnected after rudely saying it's about my birthday coming up. I am concerned with this attitude. If someone calls me, I have the right to know what it is about, before giving my personal information.
Product: Prepaid card

I received a {$10.00} American Express gift card as a reward from my apartment complexs reward program. I attempted to use the card at a XXXX  of online stores, and it was always declined, even though the items I was attempting to buy were much lower than the balance on the card. I tried calling but could only speak to the automated assistant, which mentioned that it could be that the store has to hold an additional 20 % to use the card, but even when I tried to buy something with just a few dollars on the card, it still would not work.
Product: Credit reporting or other personal consumer reports

I recently settled a charge-off account with XXXX XXXX XXXX XXXXXXXX for a reduced payment amount agreed by both parties. According to the agreement, I paid {$130.00} on XX/XX/XXXX, to satisfy the total remaining balance of {$270.00}, under the condition that the account be marked as " Paid in Full./Settled '' Despite fulfilling my part of the agreement, my credit report from Experian inaccurately reflects multiple late payments ( Times XX/XX/XXXX Days Late : XXXX ), whereas reports from XXXX and XXXX correctly show no late payments ( Times XX/XX/XXXX Days Late : XXXX ). These discrepancies have negatively impacted my credit score and could hinder my financial opportunities. 


Actions Taken : I have contacted the credit bureaus requesting that they update my credit file to accurately reflect my payment status and remove any incorrect late payment notations. 
I have filed disputes with Experian to correct the inaccuracies. However, the response was unsatisfactory, as the report still contains errors. 

Request for CFPB Assistance : I request the CFPBs assistance in investigating these discrepancies and compelling XXXX XXXXXXXX XXXX  XXXX and credit bureaus to correct my credit report to accurately reflect the status of " Paid in Full '' and remove incorrect late payment records. It is crucial that my credit report reflects accurate information as per the Fair Credit Reporting Act. 

Enclosed are copies of my settlement agreement, proof of payment, and communications with XXXX XXXX XXXX XXXXXXXX and Experian regarding this matter. I am willing to provide further documentation as required. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to these inaccuracies. 

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

I have written letters to Equifax now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.
Product: Credit card

I had XXXX different accounts with Bank of America ; credit cards, a mortgage, etc. Many were paid off and closed naturally. XXXX of the cards were placed in a payment plan as part of a settlement. The settlement was paid off and the accounts were closed. Bank of America was supposed to mark those accounts closed and paid. They only did this with XXXX card. After several disputes with them, they finally fixed it. I have been constantly contacting them as well as via the bureaus to correct the other card which was part of the settlement and they up until now have refused and continue reporting this on my credit report as an outstanding and open debt. Finally, the credit bureau ( XXXX ) told me that if I wanted to obtain the copy of the proof BOFA is claiming that I have to contact Bank of America directly. I have contacted them and spoken to many representatives including management and up until now, they have yet to come up with or show me any proof that this debt actually exists and/or is still outstanding. Meanwhile, they have definitely hurt my credit by constantly reporting the false information to the credit bureau. I have had XXXX accounts with them and all accounts but XXXX state paid in full but this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Reported Balance {$5900.00}. 
Account XXXX -XXXX  XXXX, Reported Balance {$0.00}, Pay Status >Sold ; was Charged-off<, Account XXXX -XXXX XXXX XXXXXXXX, Date XXXX XX/XX/XXXX, Balance {$6000.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$26000.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$19000.00}, Pay Status >Charge-off<. 
Account XXXX -XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$5800.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$0.00}, Pay Status >Sold ; was Charged-off< Account XXXX - XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Pay Status >Charge-off<. 
Account XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$14000.00}, Pay Status >Charge-off<. 
Account XXXX -XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX, Balance {$2100.00}, Pay Status >Charge-off<. 
These are the accounts I want to be removed from my credit report.

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 card or prepaid card

Since XX/XX/23 I made a claim for {$2100.00} and claim was received and investigated from my child support debit card the funds were taken off of my card and transferred to a XXXX account that I never owned. This transaction took place on XX/XX/23 I didn't know about it until XXXX because I wasn't getting any alerts that I was receiving benefits on this card as the company changed child support debit cards to new Bank of America cards. I spoke with representative on XX/XX/23 & XX/XX/23 and it seems they didn't even bother to take their time out & just dismissed my claim. So I requested for a reconsideration because I wasn't at fault. They need to have their systems updated for transaction alerts as well as fraud alerts. I am waiting on a letter from them in mail hopefully I get it so I can proceed with a full police report. I shouldn't have to be going through this for my child support money. Claim number XXXX for Bank of America XXXX child support debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 

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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) 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 or other personal consumer reports

Experian, XXXX and XXXX are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and XXXX to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

Experian 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 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 or other personal consumer reports

I am writing this as a deeply upset and disgruntled consumer. Your actions, or lack thereof, have significantly and negatively impacted me, jeopardizing my ability to maintain excellent credit. Despite my earlier disputes, there response claimed the accounts in question were verified, which is entirely unacceptable. 

Recent investigations and lawsuits against Equifax clearly show a pattern of violating the Fair Credit Reporting Act ( FCRA ) and neglecting proper dispute handling. Specifically, Equifax has : Failed to thoroughly investigate consumer disputes : XXXX process limits consumers from fully describing their disputes and often ignores relevant information submitted by consumers. Furnishers responses were given undue deference, even when contradictory or nonsensical, resulting in inconsistent and incomplete resolutions. 
Reintroduced previously deleted errors : Equifax failed to prevent previously removed errors from reappearing on credit reports, demonstrating a lack of proper detection systems. This forces consumers, like myself, to repeatedly dispute the same inaccuracies. 
Failed to block identity-theft-related information : Equifax knowingly reported credit information resulting from identity theft, despite its obligation to block such data. 

The Consumer Financial Protection Bureau ( CFPB ) has already found that Equifaxs flawed processes and ineffective systems harmed consumers, violating FCRA requirements and the CFPAs prohibitions against unfair, deceptive, or abusive acts. It is evident that these practices have severely limited consumers ability to dispute and correct inaccuracies, further compounding the harm. 

Enforcement Actions taken against Equifax include : 1. Mandating compliance with federal law regarding credit reporting data. 
XXXX. Imposing a {$15.00} XXXX penalty for their misconduct. 
Given this precedent, I demand immediate action to remedy your negligence in my case : 1. Immediate deletion of all disputed accounts and a full resolution of inaccuracies on my credit report. 
XXXX. Restoration of my credit score to XXXX or higher, reflecting the absence of any erroneous or fraudulent information. 
XXXX. Acknowledgment of this complaint and a detailed timeline for resolving these issues, no later than [ insert deadline, e.g., 7 business days ]. 
Failure to act swiftly and appropriately will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB, Federal Trade Commission, and legal authorities. The level of disregard for consumer rights shown here is beyond unacceptable, and I will not stand for it.