23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received this letter that looks like an official government document even though it's just advertising. But it's misleading and confusing. I don't think companies should be allowed to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there are several pieces of inaccurate and incomplete information reporting on my Experian credit report. Account XXXX # XXXX has an open date of XXXX but has NO payment history from XXXX through XXXX which is considered incomplete information under the Fair Credit Reporting Act. Account XXXX # XXXX has a date of last payment for XXXX but the amount paid and past due amount there is not information available which is INCOMPLETE. XXXX XXXX Third also has a Status as Current but yet has no payment information available for the XXXX, XXXX, XXXX, or XX/XX/XXXX. How can I be current with no payment information available for the most XXXX recent months?? XXXX has an open date for XXXX which shows no payment history from XXXX through XXXX and from XX/XX/XXXX through present which also is INCOMPLETE information. Account XXXX XXXX has late payments for XXXX, XXXX, XXXX, XXXX, and XXXX days late. It is impossible to be XXXX days late if my last payment was in XXXX which is Inaccurate information Account XXXX # XXXX shows last payment made in XXXX and XXXX  days late in XXXX XXXX it is impossible to be XXXX late in the month of XXXX while were currently in the month of XXXX if a payment was made on time In XX/XX/XXXX?? That is inaccurate information. Account XXXX XXXX # XXXX shows XXXX days late for the months XXXX and XX/XX/XXXX which it is impossible to be late XXXX days for XXXX consecutive months if the last payment shows XXXX I have attached documents supporting these inaccuracies.
Product: Credit card

File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Bank of America. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Bank of America refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit immediately.
Product: Credit card

I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX
Product: Debt collection

Theyve harassed me through email and Ive responded with a inquiry for a verification of debt letter which they can not seem to validate or come up with. They keep threatening with legal action but WILL NOT provide any proof of debt.
Product: Mortgage

Nationstar Mortgage , LLC purchased my mortgage from XXXX XXXX ( DBA XXXX XXXX XXXX ). Due to circumstances beyond my control, I had to slide the mortgage payment one month. After almost a year, I have not been able to resolve the payment with Nationstar. They continuously hold extra payments in suspense and misapply those payments. They are charging late fees inside of the 30 day grace period allowed by my mortgage contract. They send a letters continuously threatening foreclosure, even though I am currently less than one month behind. I have requested a face-to-face meeting for arbitration several times and they have failed to come to the table. I am fed up with their predatory practices. Any calls to formalize the catchup process in a written agreement have been met with resistance from Nationstar. It seems they are more interested in dragging the process along so they may unjustly enrich themselves at my expense.
Product: Mortgage

It has now been 2 years since our house o has foreclosed. We continue to work hard to improve our credit and save money so that one day we will be able to purchase another home for our family. US Bank was the the second lien on my house. I continue to get statements from them that I owe {$47000.00} and my minimum payment {$15000.00}. During the foreclosure process in 2015 we had several conversations with US Bank and tried a short sale that did not go through. They stated if that did not go through then with the FHA Loan we had the foreclosure monies would be divided with the first and second lien holder. A lot of communication short falls and lack of follow thru with US bank has resulted. I have called and spoke with US Bank over 50 times in the last year and a half. I have told Us Bank several times I needed to know how and why I owe this amount. No one seems to know and they send me to several different departs with in US Bank. They have stated to me that they would contact me when they had a answer. This has not happened and I still have no answers. Well that has been the case since the foreclosure. We have contacted them multiple times and they never get back to us. They continue to send a statement every month with a past amount due and that is it. The overdue payment shows up on our credit report. It has been 2 years and US bank is very difficult to work with. They have not gone as far as demanding any payment or anything like that, they just send a monthly statement? This has hurt my credit report and has put very much stress on my family and I. Thanks
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report :XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ;XX/XX/XXXX XXXX Balance : {$5400.00} ;XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file serveral disputes with Capital One, Capital One they have fail to delete transactions and experiences between XXXX XXXX and Capital one. The FCRA Specifically said 15 USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 term Consumer report does not include transaction and experiences. ( # XXXX XXXX, XX/XX/2022, / 90 Days ). Capital One has repeatedly reported transactions and experiences that they listed. According to your Law according to your FCRA transactions and experiences or not included on the consumer report. This is a formal complaint for and FCRA Violations by Capital ONE for this person. 
Tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Ocwen 's Office to no avail. I have sent letters, one has come back as return to sender not deliverable addressed unable to forward, I used their address that is listed and provided on my credit report. Please see attachment. Ocwen is reporting 2- 30 day late on my credit report, although they removed it from my XXXX Credit Report on XX/XX/2017, it still remains on my XXXX and XXXX . The 2- 30 day late ( 1 ) payment was made on a Sunday through the automated system, and the second late payment was made on XX/XX/XXXX. If you get int touch with Ocwen would you mind sharing the attached letter. Thanks and have a great day!
Product: Payday loan, title loan, or personal loan

I borrow money from Amscott for 2 entire years and always pay back my loan on time and the cashiers dont want to give me the money I asked for. I asked for XXXX and she gave me XXXX and deleted the paper evidence and changed my pay rate on camera in my face. I have it on video. First she offered me XXXX then she offered me XXXX a day after I payed of a XXXX loan. And I proved I had 3 streams of income. Please have Management contact me again because he said every time they do this I have to have him contact me. The location is XXXX XXXX   XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX XXXX XXXX Credit Card company in order to resolve an issue on my account. My account is reflecting a balance that should reflect paid in full as of XXXX. The company is stating I owe a balance of approx {$310.00}. 

I was working with XXXX XXXX XXXX XXXX XXXX For 2 years to pay off debt. I completed the program as of XX/XX/XXXX. At the time, XXXX XXXX XXXX Credit Card company sold my debt to Rushmore Service Center but as of XX/XX/XXXX they switched debt collections to XXXX XXXX   XXXX. We ( credit counseling company and I ) were never notified of the changes. Payments began to be forwarded to XXXX XXXX after the change. XXXX XXXX states that Rushmore cashes the check and then electronically submits payment over to them. 

A total of {$1000.00} was the beginning balance owed to XXXX XXXX and was paid in full with XXXX XXXX XXXX XXXX. After back and forth calls to XXXX XXXX and Rushmore service   center, both stated to me that they can not provide a statement of all the payments received so that I can compare with my XXXX XXXX statement of payments sent out. After being denied, I asked to speak with a manager at XXXX XXXX to help with receiving a statement and was denied that request. I asked for the representatives name in which she denied me that information as well. On XX/XX/XXXX I contacted XXXX XXXX so that they can verbally go over payments they received. XXXX provided me the payments but also made sure to reiterate she wont be providing me a written statement. From the payments she listed, there are several payments missing. She said she could not help me and to contact green path. I spoke with XXXX at XXXX XXXX who took the time to contact XXXX XXXX while on the line to help find missing payments. We spoke with XXXX, who seemed to be very dismissive and defensive. She then advised us to contact Rushmore. We both called Rushmore and they referred us back to XXXX XXXX. XXXX faxed over the payments that are missing, to one of Rushmores credit reps. 

I asked for copies of the check they received or if they can check to see if checks were applied to the wrong account. They have been unprofessional as well as very dismissive of my issue. I am being denied written statements and they cant account where my money was being applied to. I should not still owe a balance with them.
Product: Debt collection

Someone has made numerous payments to my Best Buy acct ( XXXX XXXX XXXX XXXX ) for months now I reported this to Best Buy and they have purposely mislead me for months sending me to the Fraud dept Today ( XXXX ) they informed me ( XXXX XXXX that it was not fraud but XXXX XXXX   problem Not true XXXX XXXX  ( XXXX XXXX states that there is nothing they can due about the over the phone payments Citi ( Best Buy ) will not furnish the routing and acct. nos so I can file a police report They are falsely reporting negative info to the Credit Bureaus for months XXXX XXXX XXXXXXXX XXXX XXXX have been notified by me of these fraudulent payments Citi ( Best Buy ) continues to give me the run around I had three ( 3 ) gift cards stolen XXXX reported them stolen the same day Best Buy let someone use them in New Jersey same day without having the cards just the nos No ID was checked and Best Buy sent me the duplicate rects for the transactions for the Ipads To date Best Buy has not responded S/N are on the rects
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureaus about the XXXX XXXX XXXX accounts on my report on XX/XX/2022. I sent a photo copy of the receipt that shows that the balance was paid in all accounts totaling {$780.00}. The receipt also shows the account number provided by XXXX XXXX XXXX. They told me that it takes about 30 days for their system to update. I called XXXX and transunion on XX/XX/XXXX as the accounts were still being reported as verified and accurate I submitted another dispute with all bureaus only to still be told that its being reported as accurate. I also have a confirmation number that I submitted on both dates. Im addition I submitted the payments listed by the original creditor that shows that a collection agency payment was received and the balance is now {$0.00}. Ive contacted XXXX XXXX XXXX directly on XXXX XXXX and spoke XXXX who told me that they have reported these collection items as paid. I am unable to obtain any credit or new credit due to this false reporting.I received notification on my last dispute on today XX/XX/2022 that the debt and amount being reported has been verified as accurate and correct
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX FNF Servicing pulled my credit. I did not authorize this. They are part of XXXX which holds my ex husband 's mortgage which was included in a Bankruptcy in XXXX. They purchased the mortgage from XXXX XXXX. The mortgage was never foreclosed on because we had continued to pay. The mortgage was purchased by 4 different companies since XXXX. When XXXX purchased this, they started reporting on my credit report which is illegal because the debt was already discharged. Then in XXXX, they pulled my credit without my approval. I contacted them to correct both the credit reporting of payments and the pulling of my credit. They removed the payment reporting but not the hard inquiry off my report.
Product: Credit card or prepaid card

Had this synchrony card for a year and misplaced the card. I contacted customer service and was told to hold on. While waiting, I located the missing card. The customer service representative came back on the phone and told me the card was cancelled. He requested another card. I was told that I could go to Lowes and make a purchase because they are there highest vendor. I was also told that Lowes could look up my new account information. I went to Lowes two weeks ago and was told that they did not know who Synchrony home was. I wasted my time, effort and gas to be told that they do not accept Synchrony home. To date, I just received the card yesterday, Saturday XX/XX/2020. The card number to the first card is XXXX. I called today XX/XX/2020 and was told that the second card XXXX I received was also cancelled and that I called to cancel from Lowes on XX/XX/XXXX. This is not true because I was with a Manager in Lowes who was with me the entire time and I can get proof from them that I did not cancel any account at that time. Additionally, my cell phone was not working from XXXX XXXX and it just started working today which is why I called. I was also told that I called and cancelled the account yesterday XX/XX/XXXX. I believe that fraud is being committed on my account because at every turn, I am being prevented from using my card. I spoke with a representative named XXXX  who was abrupt and rude. She transferred me to XXXX who is XXXX XXXX  and accent prevents you from understanding them and he transferred me to a dial tone. Called back and got XXXX who was equally rude who transferred me to a dial tone as well. Called back again and got a XXXX who wanted to argue with me about everything when all I asked is to speak to a Supervisor. I was just transferred back to XXXX and I just hung up.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX XXXX with a balance of {$240.00} The Hard Inquiries that are on my credit report that should also be removed blocked and deleted are a Hard Inquiry from XXXX and 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 both 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

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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 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 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. 

XXXX XXXX. XXXX ( A ) ( 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, credit repair services, or other personal consumer reports

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their XXXX  XXXX certify under the penalty of perjury that i did received good and service from those transactions.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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

I have went to their sites on numerous occasions I have not been able to get a credit report from either companies and the information that they are providing has Lord my credit score significantly
Product: Credit reporting or other personal consumer reports

I have recently pulled my credit report for Transunion and have noticed that they are reporting late payments on student loan accounts that should have been showing paid during the pandemic. The C.A.R.E. Acts which was initially passed in XXXX during the height of the pandemic allowed student loan repayment forbearance and all loan payments should have been covered under this act and the payments should have been deferred. 

Transunion is allowing the US Dept of Education to report 2 student loan accounts as late during the months of XX/XX/XXXX through XXXX of XXXX. These accounts were showing as paid during this time until about 2 months ago. I have made several attempts to inquire about this change and why they suddenly updated the accounts as being late during this time. I have not received a response, nor has my credit report been update to reflect the correct information.
Product: Credit reporting or other personal consumer reports

I stopped using my XXXX XXXX  card some time ago. XXXX XXXX assessed and annual fee and at some point had disabled my text alerts. I did not get any payment notification or alert of an issue. Then they assessed fees and report me to credit bureaus for an annual fee which is NOT legal.
Product: Debt collection

I received a call from supposed debt collector law firm XXXX XXXX and XXXX ( XXXX ), and a very aggressive man who said his name was XXXX XXXX called threatening me about an account I had from Fifth Third Bank in 2009. It claims to be a law firm handling an account that was delinquent over XXXX years ago. He stated my social security number, as well as the person who I opened the account with, and offered to settle the debt for a lower amount. I am in the process of making a large purchase and was afraid this was negatively impact my credit, but after taking the call, I realized how much was wrong with the call, including the fact that I paid the debt years ago. The documents sent over are fraudulent, the website is fraudulent, and now when I try to call back, no one answers.