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

XXXX XXXX, XXXX TransUnion are report my XXXX and the XXXX XXXX court dont share this information so obtain and putting it on my credit report is wrong anybody
Product: Mortgage

I have had a very difficult time with US Bank. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. US Bank always seemed to lose my paper work, which I constantly had to re fax. It also took over 4 months to issue me a repayment plan, which is pure fraud. Absolute smoke and mirrors dysfunctional game of fraud. After 4 months of being in review US Bank issued me a payment of {$2000.00}. My old payment was {$790.00}, and my gross monthly income is {$3600.00} per month. After 4 months it is very clear US Bank did not do my underwriting correctly or actually read my letter of explanation pertaining to my income. Based on my income can you legally give me a payment of {$2000.00}?
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 XX/XX/year>
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was flooded with Hurricane Harvey. I requested forbearance with Bank of America. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.
Product: Credit card or prepaid card

I ordered a camera from XXXX XXXX XXXX XXXX in XXXX. It was delivered to a wrong address by XXXX, I have the email that shows wrong address. Then the next day XXXX says they delivered it to me and I signed for it but nothing ever came here and I signed nothing. They can check the signature is not mine. I told the company about it and they said to contact my credit card to file a chargeback, so I did. They never asked for any proof when creating it. Then they closed it 60 days later saying I never sent any proof in ( after the merchant took forever to respond ). Then the same day I sent the proof to an email their chat agent gave me. Citi reopened the dispute. Then a long time goes by, and they close it saying I never signed a form they requested. I did not know they sent me anything because I never got any form in the mail. SO I signed it the next day and sent it back in. Then more time goes by and they say they can not approve it and they reversed the credit. Now I am out {$1600.00} for an item I never received. It is not my fault the credit card company took forever to review it and now its passed the deadline they say to do anything even tho I sent in my proof. They said the merchant is not willing to issue a credit. 

The credit card company is Citi and the card is an XXXX XXXX advantage card.
Product: Student loan

I attended the XXXX XXXX XXXX from XXXX. I obtained a XXXX XXXX XXXX. I took out XXXX private loans from XXXX XXXX through the University. In XXXX, I filed for bankruptcy due to the amount of student loans in repayment, losing my house and becoming in debt. After my bankruptcy XXXX, XXXX of the private loans went in default. A law firm took over the debt and agreed to a payment arrangement {$1000.00} a month for XXXX months. I finished the payment arrangement. In XXXX, my state joined in on a class action lawsuit against XXXX XXXX, which is now Navient because of predatory loan practices. I met all the requirements of the lawsuit, which was settled last year. I received an email a few years back that I may qualify for this lawsuit, however I haven't received any updates regarding this. I am in debt and currently my monthly payments for both private loans total out to almost {$1900.00} per month. The first loan borrowed amount was {$32000.00} and now I owe {$100000.00}. The second loan amount borrowed {$20000.00} now it over {$55000.00}. I am currently a certified teacher and I can't allow my loans to go into default because I can lose my teacher 's license. Please, I need help!!
Product: Credit reporting or other personal consumer reports

Someone has stolen my identity. I am locked out of my own accounts and when I tried to get a credit report from each of the three main agencies, it said my birthday doesnt match my Social Security Number . Additionally, before I was completely locked out of my XXXXXXXX XXXX XXXX XXXX, they sent me alerts about a credit card affecting my credit score in a bad way that was activated some time in XXXX and its already over its max amount. I didnt open any new credit cards, loans etc. The credit monitoring from that account combined with letters Ive received from multiple state agencies and my Insurance company and a weird welcome letter from one Comenity Bank are the only things Ive seen to alert me and they all arrived within a couple weeks of each other. Additionally, there is a fraudulent business that stole over {$2000.00} from my bank account, buying Cryptocurrency. I was texted in my phone from a person claiming to be a recruiter, who got my information from a recruiter who made it seem that the part time gig was legitimately doable with my XXXX, but that I could make enough not to need to be on XXXX. I asked dozens of questions throughout my entire engagement with them and have pictures of all of it because they requested to communicate through XXXX and I didnt want to run the risk of losing any documentation. Turns out I was right to be skeptical. If people are actually making money on drip, they are doing so fraudulently. They pose you as a bot, essentially and give you a set selection of reviews to chose from, nothing you input yourself except clicking on one. They trick you into a cycle from which youre paying them to work. I also found out that they buy peoples personal information off the internet in order to recruit people like me.
Product: Credit reporting or other personal consumer reports

I asked you to verify this account because its showing inaccuracies and inconsistencies, with XXXX XXXX # XXXX Act # XXXX. This is my third attempt and Im still showing in accuracies in this account. Please reinvestigate again. And please send me the correct date of last activity. Im showing three different inconsistencies and also, please state where and how you got the correct date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given custody of my grandchild after he was XXXX in the XXXX with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through equifax. They are stealing my child support from social security. I was given custody on XX/XX/2011 of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule Honorable XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX  & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX  placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
Product: Mortgage

On XX/XX/2020 my wife and I filled out an application for a refinance from Financial Freedom Network ( main office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX # XXXX XXXX XXXX ) Local office XXXX XXXX XXXX ). At that time we were set up to have an appraisal done on my house located at XXXX XXXX XXXX. XXXX. XXXX Md XXXX.The cost of the appraisal was {$580.00} dollars and it was set up for approximately XX/XX/2020. The appraisal was done as scheduled on that date and I paid for the appraisal. As it turned out the company weeks later denied my loan. I asked for a copy of the appraisal on three occasions at the end of XXXX. I spoke with my loan officer named XXXX at the home office who indicated they would send it. It is now XX/XX/XXXX XXXX and I still have not gotten it. It is quite evident that they do not intend to send it and I understand it is against the law not to send it. I am working with another lender who also sent several request which they have not responded to. This process is holding up my present loan from the other company. I would appreciate it if you could help me get a copy of the appraisal. My loan number with Financial freedom is XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX Number is XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 100 point differences from XXXX and XXXX? Why is that? I call XXXX they ask me to compared them, I did, they were all the same? So, why the 100 points difference? Please explain.
Product: Credit reporting or other personal consumer reports

See FTC report I have attached with fraudulent unauthorized inquiries
Product: Credit reporting

I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my XXXX  and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX  and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Product: Debt collection

The Bureau is reporting a debt owed to all three credit bureaus. The amount reflected is {$780.00}. I participated in a debt relief program through XXXX XXXX. All delinquent accounts were settled in full as a part of this program. While I was participating in the program XXXX attempted to contact The Bureaus for information to settle the debt and received no response. I have asked the company to verify the debt so that I can be sure that it is not a duplicate of one of the accounts that were paid during the debt relief program. I have not receive any evidence that I owe this debt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, Equifax, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.
Product: Credit reporting or other personal consumer reports

I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, Equifax, and XXXX. The inquiries in question are as follows : 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

To Whom it may concern, My XXXX XXXX credit card is still showing open on my TransUnion even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of 2020 to the current XXXX.
Product: Money transfer, virtual currency, or money service

I just want to connect my bank account to my XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware a bankruptcy is present on my credit report.
Product: Payday loan, title loan, or personal loan

I have contacted One Main Financial at the beginning of XX/XX/XXXX to get a permanent loan modification for account number XXXX. It would lower the interest rate and lower the payments monthly for me. When i first called to apply, I was given a hard time by the first rep i spoke with. The rep asked me " What is my medical condition? That would justify a loan modification. " That is a HIPPA violation i explained to the rep. He proceeded to say, " we have an interest to know what the medical issue is because I have an unsecured loan with One Main. Basically saying they have a right to know. I asked for a supervisor. I was then in contact with XXXX XXXX throughout most of the duration. She took my application over the phone and noted the account accordingly. I then waited a few days. I spoke to a rep in customer service who advised I would need to fax in proof of medical expenses from a bank account with 2 months worth of statements. I explained I either pay in cash at the doctors or with a credit card. Otherwise, my bank account would be in the negative. I would have a deficit of income if i didnt pay with credit card. On XX/XX/XXXX my modification was denied due to not meeting the guidelines as there is no reduction in income. I have {$13000.00} in medical bills, 12 payment plans with various doctors. There may not be a reduction to my income yet, but there will be within the next month. I am on FMLA and I am required to use all my paid time off first, once that is exceeded then the time off is unpaid. I have various doctors appointments almost every other week. With that said, my hours will be reduced without pay. Im trying to be proactive and get a jump start ahead on this matter before it damages my credit rating. on XX/XX/XXXX I was able to get One Main to let me make a deferment payment to get me current for now. I will be past due again after XX/XX/XXXX and unable to make the payment in full. One Main does not care about my financial situation and does not care if i can make anymore payments. They proved that by denying the loan modification. Eventually, this loan will be closed, and charged off and sent to collections due to them not helping me during this time of pandemic with my health issues and covid-19. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


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.

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!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

I have disputed this with the company but have had issues trying to remove from my record and establishing an account with credit limit according to my credit score of XXXX before fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been like the 5th time I have accounts and other info on my credit report from identity theft. I have submitted a police report to all three credit bureaus, froze my credit, and filed claims with them directly and not only is there still fraudulent Info still on there but someone has been able to get another account on my credit fraudulently even after I put the fraud alert on it. There is now an account from XXXX XXXX Finance that was open in XXXX of XXXX  and incorrect reporting of late payments on the mortgage I had with XXXX XXXX when they were not late but on forbearance. I am tired of these bureaus not doing the proper investigation to remove fraudulent accounts and errors and still allowing it to happen.
Product: Credit card

My account with Bank of America has been closed by the bank, and I am requesting you to reopen it. I deny Bank of America 's claims that I initiated a payment of {$24000.00} on XX/XX/2023, resulting in a credit or negative balance of - {$24000.00}. I did not make this transaction online, and autopay was not set up. Upon noticing the payment, I immediately called Bank of America, and the agent confirmed that autopay was not configured. The agent advised me to stop the payment, which is why it was returned. 

Subsequent payments were also returned because my bank had placed a stop payment on all future transactions without my knowledge. Four payments, in total, were returned after that, leading to Bank of America terminating the relationship. This situation seems unreasonable, and I kindly request you to review it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Filed twice on these accounts to fix errors and never did they take any action.
Product: Mortgage

I am the personal representative of my sister 's estate. When preparing to sell her home I discovered that PHH Mortgage had been charging her for insurance that was already being paid by her homeowners association. PHH Mortgage has since closed the mortgage with the home sale but has not refunded the overcharges for unnecessary insurance.