23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to COVID 19 pandemic, we suffered financial hardship. Our business was shut down, and we lost substantial amount of income. We were granted forbearance by our lender, Shellpoint Mortgage. Our forbearance ended in XX/XX/2021. We were still having financial difficulties, so we asked our lender for loan a modification. They offered to modify our loan but there was no reduction in the monthly payment. How can it be modification when nothing was modified? In addition, there was no guarantee that our monthly mortgage payment will be reduced despite of financial harship. So, we rejected the modification and opted for post COVID deferred payment but it seems like Shellpoint is not willing to help us out to keep our home and prevent foreclosure. They have not seriously offered us reasonable options to retain our home. At this point, we can not afford to pay our missed payments in the amount of $ XXXX in order to update our account. The only options we can think of are modification or Deferred Payment that our lender refused to offer.
Product: Mortgage

Several attempts made for this company to provide account information to me, including payoff balance. Never received
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and XXXX all working together lying that fake doctor XXXX XXXX with fake SSN number did purchase my property legally on XX/XX/XXXX at an bank foreclosure sale from XXXX XXXX XXXX  for XXXX. XXXX have confirmed with me that my first satisfactory mortgage paid in full were in XXXX. XXXX Attorney XXXX XXXX were fully aware on XX/XX/XXXX inquiry as XXXX. Then XXXX XXXX lied that he had a lender the does not exist on a letter dated XX/XX/XXXX from XXXX XXXX XXXX under record ID # XXXX he mentions he lender as XXXX XXXX XXXX a fake name. He goes on to cash XXXX XXXX  escrow account checks in my name and reported it as XXXX with XXXX XXXX XXXX XXXX. Also, XXXX XXXX no XXXX as XXXX XXXX XXXX XXXX  Resolve XX/XX/XXXX also with XXXX XXXX XXXXXXXX XX/XX/XXXX. Fake SSN numbers XXXX and XXXX.
Product: Credit card

Two recent payments made to my KeyBank Latitude MasterCard account ending in XXXX from XXXX BillPay service were classified by Key as late, despite XXXX 's confirmation that the payments arrived before the due date. KeyBank charged late fees in the amount of {$27.00} and {$37.00} as a result. 

The first payment was in the amount of {$62.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

The second payment was in the amount of {$89.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

In both cases, the 11 day delay imposed by KeyBank on crediting the payments resulted in the payments being considered late for their respective billing periods. 

XXXX confirms that the address the payments are being sent to is : XXXX, OH XXXX This address is identical to the the address I was instructed to use in KeyBank 's letter to me dated XX/XX/2016, following a similar issue involving late-to-post payments.
Product: Debt collection

TRS recovery services are claiming I owe XXXX $ from XXXX and now I owe XXXX $ instead from a transaction on XX/XX/2021 for insufficient funds. Thats impossible because XXXX XXXX wont allow money to be deposited if the money isnt there and I always have money before making a deposit. I checked out the review for this company and its obvious this is a scam. Theyre asking for a cashiers check or money order if not they have my information and I wont be able to cash checks or open up any bank accounts unless I pay. I just want to make sure I dont have to take any action to avoid my credit being messed up even though this is a scam company thats been going on for a while
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such amount and also other documents so I may review too see if this is actually an account that belongs to me. I have no knowledge of this accounts. I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. On XX/XX/XXXX I mailed an order to a company called XXXX  XXXX. My payment was by check written on a XXXX XXXX account that I have had for years. The account balance was more than sufficient to cover the check. On XX/XX/XXXX I received from XXXX XXXX an unsealed envelope containing my original check and order, and with a generic note from a company called " Certegy '' indicating that that XXXX XXXX   was " unable '' to proceed with my transaction because the check had been flagged for some unknown reason by this sinister, invisible " Certegy '' cabal. I called Certegy 's " customer service '' number and screamed at a robot for 20 minutes, who never transferred me to a human being, but advised me that if I wanted the courtesy of a report advising me why they interfered with my transaction and defamed me I would have to supply them with the following : my bank account number, the routing number, my social security number and a photocopy of a government issued ID. Having the use of my mental faculties, I declined this frankly ludicrous proposition. At that point, I went to Certegy 's web site to file a complaint, and was directed to you fine people. I can be reached at ( XXXX ) XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. XXXX and Experian have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!
Product: Credit reporting or other personal consumer reports

My loans have been paid. I sent Transunion the letters, and all they did was update the loans as deferred. The loans have been paid. Please see the attachment from XXXX. They need to go through and address them accordingly. Some have been paid off, and others are in deferment. There are two different letters. According to both XXXX and the government website, I only owe XXXX XXXX dollars in loan. ' They did not research or call the company. The completed the investigation in less than 24 hours. So I know that they did not do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  and XXXX XXXX
Product: Debt collection

IC Systems randomly started reporting debt on my reports. I disputed it with the bureaus. I called into the company and they did not even have the correct address so the initial letter was never received before they starte reporting. This is a direct violation. They have no right to report when they dont send that letter. After my disputing with the bureaus, I called them and corrected the address, however they did not delete the reporting on my burea reports which they can not do when they are knowledgable and proven to have not gotten the right to dispute to me. This is a very ba violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was pressured to sign up for a credit card and somehow they convinced me how I can enjoy the benefits and privileges of the card while being the XXXX member. My credit card arrived which I've used for a month, and I went out to treat my friends for the holidays. This is how I found out my account was CLOSED without my consent or any type of notifications when they told me the initiated transaction was declined and had to call the customer service line. I couldn't understand why because I have already made the required payments on time and my balance was XXXX. They told me a letter I'm about to receive will have a thorough explanation but the only explanation that was listed was " excessive inquiries. '' I understand I've applied for a few credit cards with the rewards/points program and it could affect my credit score but can't justify the situation where I've been a very good account holder and being treated in such a horrible way. Not only I wasted my time and energy to deal with the problem, nobody wants to take accountability of one of the most negative life experiences I had to go through not to mention the embarrassment and humiliation I had to face in front of my loved ones. I already spoke with a few of the employees at the company including XXXX and XXXX the supervisor, and nobody offered me a reasonable resolution. I feel the explanation offered to me was not a sufficient reason to cancel my credit card especially while I was in good standing customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report from EXPERIAN The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit card or prepaid card

Someone opened an account onXX/XX/2018 and I have made a police report because i did not open this account. i need it to be closed. i have not authorized anyone to open any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX  & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " XXXX XXXX '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
Product: Debt collection

XXXX is global solutions has been calling me but have not gotten any formally written notice and they seem to be excluding a lot of information. And being vague along with providing wrong amounts not communicating etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has an account on my credit report thats not mine. Ive tried several times to dispute it, but got no luck. Its XXXX dollars, why would I fight that small amount if its mine. Its not.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following items should be removed as soon as possible : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint with the CFPB ( Consumer Financial Protection Bureau ) regarding fraudulent items appearing on my credit report. Upon recent discovery, I have found multiple items on my credit report that I did not authorize or participate in. I have taken the necessary steps to dispute these fraudulent items with both the credit reporting agencies and the relevant creditors, but unfortunately, I have not received a satisfactory resolution. Despite providing ample documentation and evidence of the fraudulent activity, these items persist on my credit report, continuously harming my credit score. I strongly believe that these fraudulent items are a direct result of identity theft, and I am deeply concerned about the potential consequences for my financial well-being. Therefore, I kindly request the Credit Reporting Agencies to investigate this matter thoroughly and take appropriate action to ensure the removal of these fraudulent items from my credit report, as well as the restoration of my credit score to its previous state. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} 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 . As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Money transfer, virtual currency, or money service

Re : Appeal to Review my PayPal Account Hi PayPal, I received an email that my account was deactivated again, I don't understand how PayPal works, I just gave the information to PayPal because it was temporarily limited, after that they deactivated my account.. I have read the terms and conditions and I did not see which part of the terms that I violated. 

I am requesting to look back at my account, Reference ID : XXXX, and I am hoping to give another review as I am innocent of claims of prohibited activity. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. 15 US-CODE XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account. 

17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit dropped 13 points with XXXX and Transunion for absolutely no reason.
Product: Debt collection

TODAY I CHECKED MY CREDIT REPORT AND THIS ACCOUNT IM REPORTING TO BE DELETED AND BLOCKED IS STILL REFLECTING ON MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

I was working with someone who said that he worked for PennyMac Loan Service. He said that he could get me a personal loan to pay for a property to fix and flip. He told me if I would pay a fee that I would get my loan transferred into my account. I paid all the fees that he said that I needed to pay and I still haven't gotten my loan yet. I went to the PennyMac site and filled out a request to be contacted and I found out this morning that he is not who he said he is. He said his name was XXXX XXXX and his email is XXXX.
Product: Debt collection

I opened an American Express account in XXXX, when I was XXXX XXXX XXXX. I overcharged that account and was unable to pay the amount in full at the end of the month. I explained to the bank that my parent had had XXXX XXXX XXXX and I needed time to pay off the debt. Those requests were ignored and the amount was sent into collection and the account was closed without any discussion. I also was not notified at that time that I could dispute the debt. I immediately paid off the debt using all resources available to me and the delinquency is still reported on my credit report, 5 years later, even though it was charged off, even though I was never contacted about being able to dispute the debt and even despite my many requests for assistance. 

American Express treated me unfairly and trapped me when I was XXXX into a situation that I could not get out of without help from external sources. It is still affecting my credit score and life opportunities 5 years later.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX is not complete and is not reporting accurately. 

Account [ XXXXXXXX XXXX XXXX  ] is reporting inaccurately across the Equifax, XXXX, and XXXX. The charge off date is inconsistent. The date last active, and the payment history are also inconsistent. 

I sent a letter on XX/XX/year>, asking Equifax to reinvestigate this account [ XXXX XXXX XXXX ] here is the tracking number : XXXX XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. So I requested a description of the reinvestigation on XX/XX/year>. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Equifax didn't provide me with a Method of verification violating 15 USC 1681i7. Equifax also violated 15 USC 1681i ( 5 )