23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's XXXX, 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, last verified not correct, date last reported is not accurate, also date of last payment, balance owed and credit limit is inaccurate. This grounds for removal. 

These Accounts include : XXXX XXXX account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit card or prepaid card

I have a personal credit card and a personal checking account with Wells Fargo Bank with automatic credit card payments deducted from the checking account. On approximately XX/XX/2019, I discovered a fraudulent balance transfer to my card from another bank, XXXX XXXX, of approximately {$4000.00} which was fraudulently transferred telephonically by an unknown third-party onto my credit card on XX/XX/2019. I confirmed with the bank that the balance transfer was not done by me, was not from any existing credit card balance that I had, and was fraudulent. Wells Fargo Bank canceled the credit card and issued me a new card, and assured me that the matter would be taken care of. Instead, Wells Fargo Bank deducted the fraudulently added credit card balance from my checking account on XX/XX/2019, in the total amount of {$4400.00}, of which approximately {$4000.00} was the amount that was fraudulently transferred onto the card. I have been trying unsuccessfully since that time to obtain a reversal of the charge and restoration of the money to my bank account. I spent approximately 10 hours on the telephone going through various departments at Wells Fargo Bank, and having been cut off, after being on hold, at least three or four times, and after spending many hours being passed from department to department. They continue to tell me is " being investigated, '' but will not resolve it, and they appear unwilling or unable to get to the bottom of it, or to take care of the fraud problem. They promise to call me back at specific times, but never do, and every time I call, I have to deal with it from scratch with a new person. I am currently out the {$4000.00}, with no way to get it back. I have requested information on arbitration or other available consumer remedies, but they will not assist me, and just say I have to wait for their " investigation. ''
Product: Payday loan, title loan, personal loan, or advance loan

The loan was procured to secure solar panels ( through XXXX XXXX XXXX - based out of Texas ) on my home to reduce my energy use. I was guaranteed that the payment amount would be around {$150.00} a month, for 15 years, and that I would subsidize all of my energy usage. I got a sudden notice that I did not meet my " target principal balance '' by a certain date, and the payment doubled as a result. I was never told that the loan had such practices, and the solar panels have never operated as we were told ( over two years into this process and I still don't see the promised relief from my electric bills ). Now, I have extremely expensive electric bills, as well as the doubled payment from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3700.00} ; 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 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: Payday loan, title loan, or personal loan

This company RISE is showing up on my credit report. I have never done business with company, never had a loan or any interaction. 
I have disputed this with the credit reporting agencies and written to the company personally asking them to validate the debt or provide other information. I have received nothing from them. I have called a been left on terminal hold.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX XXXX XXXX  from a 3rd party in XXXX XXXX  on XX/XX/XXXX for {$260000.00}. The motorhome was titled and registered in XXXX XXXX. I paid {$130000.00} in cash and a loan from Bank of the West for {$130000.00}. Included in the loan fees were the XXXX State title and Registration fees of {$470.00} ( see attached LoanDisclosureStatement ). XXXX is where I reside. Bank of the West was supposed to take care of the XXXX  title and registration. On XX/XX/XXXX ( see attached XXXXXXXX ) I received the letter dated XXXX from the XXXX DMV stating the date on the Title XXXX submitted to them by Bank of the West does not match the date on the XXXX XXXX title in the National Database of XX/XX/XXXX for this motorhome. The letter also states a " blank '' check was included which they can not accept and lists the required title and registration fees. It says if there is no response within 30 days the transaction may be returned, put on hold, or cancelled. Between XX/XX/XXXX, the day I received the letter, and XX/XX/XXXX, I called Bank of the West 5 or 6 times and each time was assured this issue would be expeditated and I would receive a response from them. The 6th call I requested to speak with a supervisor. That also got me nowhere. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX ) Complaint : XXXX. They too have hit a dead end. After numerous inquiries and numerous replies to/from Bank of the West by the XXXX, Bank of the Wests response was always the same, they needed more time to investigate and expect a response in 2 weeks. After 2 weeks they responded they needed another 2 weeks. This has continued since I filed the complaint. 
I have continued to call Bank of the West and each time assured this would be escalated. I have also spoken with the XXXX DMV and the XXXX XXXX DMV thinking maybe I could resolve it but XXXX XXXX DMV will not give me the title because I am not the registered owner. That seems ironic, I paid {$130000.00} cash, have been making {$980.00} monthly payments for the past 10 months totaling {$9800.00} and insurance for a vehicle that I cant drive! I have no title, no registration and no license plates and if there was a serious problem its registered and titled to someone else! 
I spoke with the XXXX DMV earlier this week and was told they have heard nothing from Bank of the West since they sent the XXXXXXXX letter dated XXXX. 
Bank of the West has committed fraud. They misrepresented the RV loan and process. I was told the registration/title process would be done in 5 to 7 days. They have my money and I have a vehicle I cant drive. I have paid over {$5000.00} in interest and insured a vehicle that sits in my driveway.
Product: Credit card

I had contacted Bank of America recently regarding a fraudulent transaction that occurred on XX/XX/XXXX for the amount of {$210.00}. I never authorized this transaction or the merchant to bill me for this amount nor am I familiar with the merchant/business. I had just gotten a resolution letter from the bank stating that the claim was denied due to the face " Payments were made to the account and statements were mailed '' as a reason for validating this purchase. 

This bank has already been a pain to deal with ever since I've opened my account with them, I've been regretting ever getting in business with them as they're being recently paying fines for violating the law several times. I've been unable to view any mail as I mentioned to BOA in a separate correspondence regarding my credit limit decrease that I've been facing financial and mental difficulties due to my husband being hospitalized and then passing away unexpectedly causing my card to go past due and to incur fees and transactions that I haven't been able to look. 

Now they're forcing me to pay for a transaction that I never authorized due to the simple fact that " A statement and payments were made to the account ''. I never looked at my statements and lost track of my finances and when I found out my account was past due and at risk of closure I immediately paid the account no questions asked which I then later reviewed and called in the fraud department to investigate and inquire about this,
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian account number is XXXX I have tried on numerous occasions to correct my personal identifiers on my credit report to no avail. 

The only information being report that should show : Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, MD XXXX XXXX XXXX XXXX - telephone XXXX XXXX XXXX - birthday
Product: Mortgage

We have been trying to get a loan modification from Well 's Fargo Home Mortgage for the last 6-8 months. They put us on a {$600.00} a month payment until a decision was made. For the last 5 months I have not been able to speak to our specialist. I have left numerous message on their phones and no one will return our calls and they keep changing who handles our load modification. On XXXX/XXXX/16 we received a letter from Well 's Fargo stating our loan modification had been denied because there are title issues with our property. We again tried to contact on XXXX/XXXX/16. My husband stayed on hold for 20 minutes, then they disconnected him. I called right back, was told by the woman that answered she could not tell me what the issues were. I stayed on hold for 30 minutes while she tried to connect me with a home specialist. After 30 minutes she came back on the phone and said a supervisor would have to call me. I asked when and she said in 24 hours, I made sure she had the right contact number. Well 's Fargo always say they will call back in 24 hour and never do. I am afraid they are going to try and foreclose on us.
Product: Mortgage

On XX/XX/XXXX I submitted a completed loss mitigation application to City National Bank as I was experiencing temporary unemployment and loss of income. I attempted to be proactive and reach out to XXXX to avoid default. For 3 months CNB has continued to not respond timely and to request the same documentation over and over again never once making a decision. At no point has there ever been a SPOC assigned to my case to make contact and to let me know what was needed to move forward. They continued to ask for the same income documentation on a weekly basis that was provided and intentional dragged out the process only to deliver a loss mitigation denial on XX/XX/XXXX. CNB has had ample time and documentation on which to make a decision of approval or denial. This loan has never gone into default however I struggled to make the payments until recently when my employment was reactivated in XXXX. These practices are unfair, deceptive and abusive in nature and do not comply with federal regulatory requirements for the loss mitigation process. These practices of delayed reaction and decisioning are tactical and strategic and discriminatory in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Fed Loan Servicing which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  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

Duplicate and unauthorized inquiries and accounts are reporting on my credit report without my permission. 
XXXX XXXX XXXX XXXX INQUIRIES ARE AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681, Experian, XXXX and XXXX refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802. 

For all information reported on credit report, I want companies and XXXX XXXX removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND EXPERIAN CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY XXXX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY EXPERIAN CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Product: Credit reporting or other personal consumer reports

Below I have listed 4 UNAUTHORIZED Hard Inquires Listed on my EQUIFAX Credit Report from the following auto financial banks.

I have filed a report with FTC attached below to back evidence of authorized use of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit report XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Equifax is incorrectly showing an amount for collections for a XXXX card. This card was closed an paid and the amount was transferred to a new card. This should be removed from the credit statement. Both XXXX and XXXX are not showing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from XXXX, TransUnion, and XXXX regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

XXXX reports the account as " Unknown, '' while TransUnion and XXXX both report it as a " Revolving '' account with a " Charge account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, XXXX reports the account as " Closed, '' while TransUnion and XXXX both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, XXXX reports the " High Credit '' as {$0.00}, while TransUnion and XXXX report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency called Midland Funding, which legally is named Midland Credit management XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016. 
Midland Funding refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX  which was included in the bankruptcy discharge included debtors. 
As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that Midland Funding has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports. 
please refer to the XXXX  complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.
Product: Mortgage

My loan was transferred to Flagstar Bank on XX/XX/XXXX from XXXX XXXX XXXX. Flagstar increased my payment from {$3300.00} to {$3400.00} and/or approximately {$95.00} increase for insurance which is incorrect because it is covered through PMI via XXXX. I also requested my 1099 mortgage interest statement for FY 2019 and I have yet to receive it. I am requesting that they restore my mortgage payment to {$3300.00} and credit my account approximately {$180.00} or send me a check.
Product: Credit reporting or other personal consumer reports

on or around XXXX i mailed in certified letters to all XXXX credit bureaus to process dispute investigations for some inaccuracy on my credit reports which included my drivers license and utility verification documents. 
***These letters and documents that were previously sent will be attached which requested dispute investigations verification and method of verifications and Instead they mailed me stall letters back stating that they will not process my dispute requests or investigations and and it dont seem to be me. It seems I am working with a credit repair company. It has now been XXXX days not 30 days.