23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XX/XX/2019, our Mortgage was sold to another Mortgage service bank. It was being serviced by Seterus, and now Mr. Cooper. There are three people on the existing loan -- myself, my mother, and my father. When we got documentation from the new Mortgage company ( Mr. Cooper ), we noticed only two people listed. We immediately contacted Mr. Cooper by phone and requested a correction to their documentation. They requested a Note from the previous loan, and stated they were still waiting for documentation from the previous Mortgage company ( Seterus ). In XX/XX/2019,  they sent an email stating we had to refinance our mortgage in order to add the third person ( myself ). We refinanced several times in the past ( approx. ten years ago ), and spent money doing so. We do not see any reason to go through this again, as it is not our mistake. We are not wealthy, and can not afford to correct their misinformation. I am writing this for any help in this unusual situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted XXXX and Experian and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX   XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** ,
Product: Debt collection

Collection agent  was abusive, unwilling to listen, and had not reviewed my email sent 17 days earlier. Agent claimed that RMP systems did not allow her access to the content. 

XXXX, XXXX, XXXX  is the medical practice in question. This practice switched billing systems to XXXX in XX/XX/XXXX and failed to record my payments. I only learned of this situation after receiving collection notices and calls from RMP. I proved the balance was paid to XXXX by sending XXXX my medical spend account statement showing the payments to their business. I discussed with this person- XXXX XXXX refused to involve a billing XXXX or provide a name, but did finally send me a statement weeks later showing my balance as {$0.00}. I also requested that XXXX pull back the collection agent, but RMP refuses to stop collections. 

I sent the {$0.00} balance statement to RMP on XX/XX/XXXX at the email address provided by their agent - XXXX RMP called today XX/XX/XXXX and I learned that my email has not been reviewed or acknowledged. Verbally abused  by the collection agent for asking if they had received and reviewed my email and was told that RMP internal systems are dis-functional and she could not review. RMP has no interest in the actual state of my account and only want to collect on the account they have paid to acquire regardless of the current state balance. 

Trying to collect on XXXX balance account that is the result of a practice billing error due to IT system switch over.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information has been compromised as a result of a recent data breach involving both XXXX XXXX XXXX XXXX XXXX XXXX. It has come to my attention that the breach exposed sensitive data associated with my accounts, potentially including [ list the type of information affected, such as name, email address, financial information, etc. ]. 

I have already taken steps to mitigate the impact of this breach, including [ mention actions like changing passwords, contacting customer support, or monitoring accounts ]. However, I wanted to bring this matter to your attention to ensure that necessary precautions are being taken on your end. 

If you need any further information or documentation to assist in resolving the situation, please let me know. 

XXXX XXXX
Product: Mortgage

My mortgage was in forbearance for the pandemic. The pandemic period has ended and I have been trying to work with the company on a repayment plan. They had me submit an online form. I tried to but had put wrong information in the form and had asked them to reset the online form. Instead the man submitted it with the wrong information so I was unable to complete the process. I have tried to contact them numerous times that figure out what to do to no avail. I have XXXX and can not deal with this stress. How can they expect this to be a relief program when they want you to pay a lump sum at the end. All I want to do is fix this problem so I can keep paying my home so I can live in my house. Are used US AA because theyre supposed to be for veterans and military members and they have been nothing short of horrific to deal with.
Product: Mortgage

I filed XXXX complaints which the company finally responded to those complaints on XX/XX/XXXX. They explained which made no sense but supposedly my account is XXXX, and they have sent a XXXX to the credit bureau. In a heartbeat they can affect my credit but I have to wait XXXX days and have to watch my credit and if anything happens I can show them the letter. There was no error on our side. Everything was done on their end and now I have to watch and make sure nothing goes against our credit rating. Seems a little XXXX to us. We did nothing wrong and have to do all the work. Then to top it off we are still getting XXXX letters. And XXXX letters were sent not to the address on file, but to the address of the property that has the XXXX on it. Again another XXXX up on their part. 

So as long as we keep getting harassing letters from BMO, we will file a complaint against BMO. That seems to be the only way we can get an answer. And believe me if our credit rating is tagged, there goes another complaint. Seems to be the only way we can get their attention
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for their failure to respond to a dispute letter that I mailed on XX/XX/year>, via USPS certified mail with tracking number XXXX. In my dispute, I requested a comprehensive investigation into numerous inaccurate items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, and a bankruptcy listing under XXXX. 

Additionally, I disputed incorrect addresses and a name listed on my credit report. To aid in the verification process, I included a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Regrettably, I received a response from Experian, dated XX/XX/year>, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This response indicates a failure on Experian 's part to acknowledge the legitimacy of my dispute. As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It seems that Experian has not fulfilled this obligation, constituting a violation of my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter I sent to Experian, USPS certified mail proof of delivery, and Experian 's response, serving as evidence of my attempt to address inaccuracies in my credit report and Experian 's failure to conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Goldman Sachs regarding inaccurate credit reporting associated with my Apple Card payment plan. I believe that Goldman Sachs is in violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment history and failing to provide clear and complete terms of the payment plan agreement. 

Details of the Issue : In XX/XX/year>, I applied for and was accepted into the Goldman Sachs Apple Card payment plan. I was informed that my interest rate would be reduced to 0 % APR for one year and that my account would be reported as current if I made minimum monthly payments of {$78.00}, totaling {$940.00}. 

Since enrolling, I have consistently made the required payments, except for one payment that was delayed by a single day. Despite making subsequent payments on time, Goldman Sachs has continued to report late payments on my credit report. 

When I contacted them for clarification, I was informed that because I missed one of the first payments by a day, they are continuing to report all payments as late. However, they have refused to provide me with an unredacted copy of the full terms and disclosures of the payment plan, only supplying a redacted version. 

Relevant Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. Additionally, they must correct any inaccuracies once a dispute is made. By failing to disclose the full terms of the payment plan and continuing to report accurate payments as late, Goldman Sachs is in violation of these provisions.
Product: Credit reporting or other personal consumer reports

I had an alert that my ssn was used on the dark web more than once.
Product: Payday loan, title loan, or personal loan

The interest rate is 769.31 % so pennies are going to my loan of {$750.00} whereas they are charging over {$220.00} every two weeks in finance charges. I'm drowning. The total amount to be repaid on a {$750.00} loan will be over {$5000.00} please help. Their website says they allow credit card payments but when you call they say they can not accept them. I'm not even sure if they can legally charge such a high interest rate to a resident of the state of Oregon. Are you able to check if they are a valid tribal company or if the interest amount is legal?
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am a complaint against Equifax for failing to properly investigate my dispute 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. The 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: Consumer Loan

I had a few lenders you had helped me get off my back harrassing me after I found out its illegal to give a payday loan onlime in massachusettes. Esp at the intrest rates given me at 817 apr! I have XXXX final lender I need to report abd ask for a charge off. This is the last one. I had someone hack into my bank acct before XXXX and I had to close the acct and open another at td bank. So lendgreen at this point is unable to take payments but I can not afford the apr at this rate and being its illegal to loan online in mass they should of never advertised in my email in the firat place. This was the last of a string of bad decisions. If this will go away will be a releif for me and let me pay my other obligations with creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT FILE AND BECAUSE OF THIS IT HAS CAUSED SERIOUS DAMAGE TO MY NAME AND MY CREDIT HISTORY. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. I was a victim of identity theft. The accounts are XXXX XXXX XXXX. The collection amount is {$1700.00} and it's from XXXX XXXX  with a collection date of XX/XX/XXXX. The next fraud account is also from the XXXX XXXX XXXX for the amount of {$890.00} with a collection date of XX/XX/XXXX. This is affecting my credit score.
Product: Checking or savings account

I applied for a loan and unknown to me it was a scam. I was a victim in this case, and I was calling Bank of America for XXXX days prior to the closing of my account, informing them that my bank card was not working and they needed to un restrict my debit card after they told me it was no longer restricted, it continued to be restricted causing me to have to constantly call them back. On XX/XX/XXXX I called and I was advised by Bank of America to open a brand new checking account because my checking account that I already had was frozen they told me no money was able to come out of that account but it can still receive deposits I informed them my direct deposit was gon na be deposited on XX/XX/XXXX at which point they advised me to open up a new checking account so that Friday morning XX/XX/XXXX I could call back and they could transfer my deposit from work into the new account for me to access that when I called the phone number that they gave me. They told me That would be transferring my money into the new account. They had me open to be able to transfer my deposit from the frozen account .The lady informed me that I was not given this information and I couldnt have been told this. I expressed to her that I spoke to XXXX people and both told me that, again they made me open a new checking account solely for this purpose of me accessing my funds from my job and she told me no thats not gon na happen. My account was frozen they didnt want to do business with me anymore and I expressed to her I needed to pay rent. I expressed to them that I was going to be evicted at as of XX/XX/XXXX and I needed my money and that I would come and pick it up. She told me I could apply for a hardship. I didnt want to because it was going to take XXXX days for them to approve or not approve it. I needed my money that day. I received my 30 day notice to leave my premises XXXX  XX/XX/XXXX, I called them back on XXXX  morning to find out about my hardship and the lady told me I was denied I asked her how can I apply for a hardship yet you guys dont even know the reasoning behind my hardship and why XXXX even applying for it. She told me the account is set to be closed on XX/XX/XXXX and my check will not be mailed to me until after that, I need my deposit money from my job and when they do decide to mail me my certified mail check I am no longer going to even be at the address that they want to send it to because XXXX evicted now I just want my cash that I got paid for and direct deposited into my account from my job that I physically worked please help XXXX living in the car with my XXXX kids at this moment.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX  & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Debt collection

I disputed this alleged repo with Santander and sent my dispute through the USPS Postal Service certified mail on " XX/XX/2021 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.
Product: Credit card

I pay XXXX $ every month for my credit card, and {$70.00} worth of interest is taken out monthly without me even using the card, so its like XXXX only paying {$30.00}. 

I am not able to pay more than {$100.00} because thats all I can afford right now. 

The interest rate is too high even though I dont use the card.
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card on XX/XX/XXXX. I signed up for this card partially for the bonus offer of XXXX points if I met a {$15000.00} spend within the first 3 months. I met my spend in time. I contacted American Express probably back in XXXX or XXXX to check on why the bonus offer is not showing, they informed me that it would post shortly. Talked to American Express last Friday XX/XX/XXXX to check on the bonus offer. Someone informed me they would look into it but never did. I checked again on XX/XX/XXXX and was informed that I didn't qualify for the offer. This was the first that I was hearing of this. The person who I had an online chat with wouldn't offer any help beyond saying I didn't qualify even though when I applied I was told I would receive the offer and 2 other times I was told they would look into it and 1 time was told that it would post shorty. I believe American Express chose not to give me the offer after the fact.