23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Consumer Protection Agency, My name Is XXXX XXXX. 

I have complain, I would like to file a complain. 

I have been told by Real Estate agency, and agent : our would be a predatory lending

by Mountain America. Mountain America would, might need to write off most off our loan, we would no longer owe the large amount of money. 

When they allocated this loan, it was calculated by market value of condo, regardless we had restriction of our condo for selling, and renting. Insted of calculating by buying price or not giving at all. 


We would like to solve our issue by causing extremely hgh interest, we are not able pay back to Mountain America. 

I would appreciate your help, in our matter. 

Thank you! 

XXXX XXXX That is called Predatory lending and is illegal. That bank could writing off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts opened fraudulently
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple efforts to address this issue, the fraudulent entries persist, causing significant distress and harm to my creditworthiness. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly establishes the illegitimate nature of these entries. 

Despite my concerted efforts, the fraudulent items persist on my credit report, negatively impacting my financial standing and causing undue stress. I am well aware of the seriousness of identity theft and the importance of swift resolution to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will be compelled to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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: Mortgage

After being on a COVID relief plan for 18 months, I was presented by USBank with the option of extending payment deferments. I opted to continue for an additional month at which time I inquired about resuming payments. I was informed that I would then need to submit a loan modification application, which I thought was part of the normal procedures associated with COVID relief. After numerous phone calls, I was informed that the application was under review with an underwriter and a decision was pending. After a total of 2 months, I was given a letter stating that my only option was to pursue a short sale. It was not my intention or desire to lose my home after being on the COVID relief plan. It was never made clear that by extending beyond the 18 month deferment, that I would now be under Loss Mitigation, and would not be eligible for the protections provided by the Relief Plan. The only option provided other than the Short Sale was to make a Reinstatement Payment of approximately {$100000.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block inc because of inadequate customer service and unfair practices. which violate the consumer financial protection act. cfpa. .Specifically cash app failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Their dispute resolution process was difficult, unfair, unresolved and deceptive. as they did not comply with error resolutions or requirements under the electronic fund transfer act EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate action for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Was contacted my revenue reporting and threatened to contact my employer. 
Offered to set up payments I afford. Acted like I would get wage garnish. Called me on my job. Is it illegal what the done
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Product: Credit reporting or other personal consumer reports

Im disputing XXXX XXXX XXXX XXXX account # XXXX. On all 3 credit bureaus are reporting dispute accurate and Ive been telling them that XXXX XXXX wasnt reporting to them correctly. 
All 3 credit bureaus are reporting all different things. I have underlined everything on each picture of why the account is NOT accurate. You did not do a full investigation. I have sent all 3 credit bureaus this same message.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 my bank sent an alert that my credit score had dropped by XXXX plus points. I logged in to TransUnion Credit Bureau and my student loan from XXXX was listed twice. I did a dispute with transunion. I have also tried to contact XXXX today, XX/XX/24 with no results.
Product: Credit reporting

Equifax is currently reporting my XXXX XXXX account as charged-off. I 've received a letter from XXXX XXXX stating there is incorrect information being reported on my credit report and they have agreed to remove this account from my credit reports. Please see a copy of my Equifax credit report, as well as a copy of the letter from XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Dear CFPB, I am writing to dispute inaccuracies regarding my credit report and to request the removal of certain inquiries that do not accurately reflect my creditworthiness. 

# # # Accounts in Dispute : XXXX. XXXX - XXXX XXXX : XXXX - **Account Status** : XXXX - XXXX XXXX : XX/XX/XXXX - **Comments** : Canceled by credit grantor XXXX. XXXX XXXX XXXX XXXX  **Account Number** : XXXX - **Account Status** : Closed - **Last Reported** : XX/XX/XXXX - **Comments** : Closed XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Account Status** : Derogatory - **Last Reported** : XX/XX/XXXX - **Comments** : Charged off as bad debt ; Dispute resolved; reported by grantor # # # Additional Request : Removal of Inquiries I request the removal of the following inquiries from 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 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  I believe these accounts and inquiries are either inaccurate or misleading, and I kindly request your assistance in ensuring they are properly investigated and rectified in my credit report. Thank you for your attention to this matter. I look forward
to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I have entered into a debt management program with XXXX ( XXXX ). In order for me to participate in the Debt Management Program, I had to close my Discover Card Account. Discover received a proposal in XX/XX/XXXX and it was rejected by Discover on  XX/XX/XXXX due to needing an increase in payment. Discover then reconvened and with my approval, XXXX sent a new proposal to Discover with the increased payment amount on XX/XX/XXXX, which was approved by Discover on XX/XX/XXXX. During that time frame, Discover was informed that the payment goes on a cycle, and if dropped from the program for non-payment, the client was supposed to receive notice of the drop. In addition, when the payment is received by XXXX, they pay it out to the creditors. Due to Discover 's processing times, the payment would be processed later. 
I was contacted by Discover several times. Each time, I had to make a payment arrangement with them. Discover also informed me that they never received a proposal from XXXX, although they did. Discover has a copy of the proposal. 
During that time, I was reported late in XXXX, XXXX, and XXXX of XXXX. Discover contacted me to XXXX payment arrangements so that the account is not reported negative. Although I made the timely payments, I was still reported late, and it damaged my credit.
Product: Debt collection

I have attempted to work with the creditor in an attempt to pay back said debt. I have called numerous times, and when I call no-one is available to answer questions about my account nor do they ever call back. This creditor has been practicing illegal debt practices by using deception and reporting false information in an attempt to collect said debt. This creditor failed to send notification of any alleged missed payments prior to filing a wage garnishment proceeding. The account was in dispute due to this writer requesting account verification paperwork from creditor to verify the validity and amount of debt owed. Proper verification was never sent. In addition to that, they have falsified the amount that is owed and that has been paid. This writer settled on an amount of {$2700.00} to be paid to creditor, to date {$1900.00} has been paid, and the creditor has falsified documents to deceive the court that I have paid only {$1400.00}. I have attached payments from my bank statement for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts and inquiries on my report that I do not recognize!!!
Product: Debt collection

ERC attempting to collect a debt on an unverified account. Provided no proof of validation of debt
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite sending multiple dispute letters to Experian regarding inaccuracies on my credit report, the company has failed to : XXXX. Properly investigate the disputed items, in violation of 15 USC 1681e ( b ) and 15 USC 1681s-2. 
XXXX. Remove or correct inaccurate information as required by 15 USC 1681i ( 5 ). 
XXXX. Prevent the reinsertion of previously removed errors without proper notice, violating 15 USC 1681i ( 5 ). 
XXXX. Remove outdated adverse information as required under 15 USC 1681c ( c ). 

This failure to investigate and resolve disputes has harmed my ability to access credit, housing, and employment opportunities. 

I recently became aware of the CFPB lawsuit against Experian, alleging systemic mishandling of consumer disputes. My experience aligns with the issues highlighted in this lawsuit, further demonstrating Experians non-compliance with federal law.
Product: Credit card or prepaid card

I have been disputing since last year. According to my XXXX report, no data was available From XX/XX/2021 until XX/XX/2021. A collection was reported in XX/XX/2021, and then no report in XX/XX/2021. I do not own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a mortgage lender through XXXX XXXXXXXX XXXX and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the XXXX 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email saying, Thank You for your payment of {$1400.00} for acct # XXXX. ( this is not my acct # ) I immediately logged into my acct # XXXX, and changed my password and deleted the pending payment from my bank acct. I kept an eye on both accts to make sure it did not go thru. then I get an email saying my new card has shipped, and I was charged {$16.00} for it. then I noticed my account has been " restricted ''. I then called Capital One Customer Service she was of no help, she just kept telling me I need to call their fraud dept. and she gave me another number to call for their fraud department. They too, were of no help. he refused to tell me anything except that there is some fraud activity and they are sending me a new card. I said I have the right to know what is going on and I should not be charged for a new card. and he just kept saying there is fraudulent activity on my acct. to this day, XX/XX/XXXX, I still do not have any new card and I am still making online payments but it is to acct # XXXX, not the card I have in my wallet # XXXX. I am asking for help in this matter. I am making my payments to an account that I do not have a card for. they changed my account # without my permission. I don't know how to fix this. I also need a credit of {$16.00} to my acct and remove the restriction from it with an explanation of what kind of fraud activity they found.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This complaint was my follow up. I need this account XXXX XXXXXXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
EQUIFAX : XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Credit reporting or other personal consumer reports

Re : Incorrect personal information To Whom It May Concern, I am writing to update/correct my personal information on file with your agency. 
Please update my name to : XXXX XXXX. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only social security number ends in XXXX My only and correct date of birth is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE I've tried several times to settle this with EXPERIAN. EXPERIAN has done nothing except stall. They earlier said that the accounts had been validated. I am requesting once more that EXPERIAN supply me with documents proving that I am LEGALLY OBLIGATED to pay this supposed debt. EXPERIAN has received identity information many times. Please be mindful that this is causing financial difficulty. Failure to reply in a legal and lawful manner will result in additional proceedings. Failure to react within 14calendar days will be taken as your acceptance that this debt is illegitimate. Please validate and give proof that I am " LEGALLY OBLIGATED '' to pay these supposed obligations. " HAVE BEEN VERIFIED '' is a straightforward response Respectfully delete the following immediately : 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 card or prepaid card

ON MY CARD I HAVE FOUND SOME TRANSACTIONS THAT ARE NOT MINE AND I REPORTED IT WITH THE CARD THAT WAS DEPOSITED TO ME WITH XXXX, THEY TOLD ME THAT I HAD TO SEND ALL THE INFORMATION AGAIN, MORE THAN 60 DAYS HAVE ALREADY PASSED AND I HAVE NO POSITIVE RESPONSE ABOUT MY CLAIM
Product: Credit card or prepaid card

DISCOVER CARD RECEIVED A FULL PAY OFF FROM ME EARLIER THIS MONTH. WHEN I PULLED MY CREDIT TO MAKE SURE THEY HAD REPORTED IT CORRECTLY I NOTICED THAT THEY HAD REPORTED MY PAYMENT LATE TO THE 3 MAJOR CREDIT BUREAUS FROM XXXX OF XXXX TO XX/XX/XXXX WHICH IS INCORRECT AS MY ACCOUNT WAS PAID EACH MONTH ON TIME WITH A PAYMENT THEN WHEN I FELL ON HARD TIMES IN XXXX WITH SOME HEALTH ISSUES INSTEAD OF LETTING MY PAYMENTS GO I HAD AN DEBT MANAGEMENT COMPANY COME IN TO MAKE MY PAYMENTS. ALL PAYMENTS WERE CURRENT EACH AND EVERY MONTH MOVING FORWARD. AS A MATTER OF FACT EACH MONTH I MADE DOUBLE THE AMOUNT THAT DISCOVER WANTED. THEN I PAY THEM OFF THIS MONTH AND NOW I SEE THIS. 

I CALLED DISCOVER AND THEY ARE UNABLE TO PROVIDE VERIFIABLE PROOF THAT I WAS LATE WITH MY PAYMENT. THEY SIMPLY SAY " OUR SYSTEM SHOWS THAT IT WAS '' THIS DOES NOT MEET THE FCRA REQUIREMENTS WHICH SAYS ALL INFORMATION BEING REPORTED HAS TO BE 100 % ACCURATE, COMPLETE AND VERIFIABLE. 

THEY ARE ALSO STILL REPORTING IN THE COMMENT SECTION THAT THE DEBT IS BEING HANDLED BY A THIRD PARTY TO MAKE PAYMENTS. THIS IS INCORRECT. 

I AM NOT SURE WHAT DISCOVER CARD HAS TO GAIN BY REPORTING THIS INFORMATION SINCE THE ACCOUNT HAS A XXXX BALANCE AND IS CLOSED. I AM REQUESTING THAT ALL LATE PAYMENTS THAT WERE REPORTED ON THIS ACCOUNT BE REMOVED IMMEDIATELY AND ALL COMMENTS THAT REFERENCE PAYMENTS BEING SUBMITTED BY 3RD PARTY DEBT MANAGEMENT BE REMOVED. 

THE ACCOUNT IS IN GOOD STANDING AND THERE SHOULD BE NO REFERENCE OF ANY LATE PAYMENTS IN THE PAST AS THE ACCOUNT HAD PAYMENTS MADE EACH AND EVERY MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.