23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I requested a forbearance on my mortgage loan starting XX/XX/XXXX, and it was granted for three months. During that time, I paid interest on the loan for XXXX, XXXX, and XXXX, which SLS refused to apply as a separate payment each month. I requested a loan modification in XXXX and sent in the required documentation for consideration. During the period from XXXX to XXXX, I received notices of late payments and foreclosure threats. I was asked to provide additional financial information for the loan modification. I was gainfully employed and had a small events business, but due to COVID, I received no revenue from that. After waiting for months to hear from SLS, I received a denial of my loan modification request. Instead, I was offered the option to short sell or let the mortgage owner take ownership. One reason for this denial was because of a fraudulent home valuation report that was requested by SLS from a local real estate company in XXXX, NV, called XXXX XXXX. This company had undervalued my home by {$100000.00}. I called them to complain because no houses in my area were used for comparison in the report, and the photos in the report did not reflect my home 's location or neighborhoods. 

The forbearance rule mandating that you had to pay the balance of the forbearance plus your mortgage in full for three additional months before you could be considered for a refinance delayed my ability to refinance. I believe that SLS used the undervalued and fraudulent home valuation report and my age to support this denial. 

The company also continued to send me foreclosure notices even after I paid my mortgage and the forbearance balance. While waiting months for SLS response, I tried to refinance but was declined because of the three-month rule. In the meantime, I lost my job. Now I can't refinance the loan. I have no incurred considerable financial loss and stress and am unemployed and trying to keep my home now. 

Had I been given the loan modification at the lower interest rate, I could have kept my head above water. I was told the INVESTORS declined to approve my loan modification, which is at 3.25 %. This denial has now cost me savings totaling {$1000.00} for XXXX XXXX and future annual estimated losses of {$3200.00} ( XXXX ), XXXX, XXXX, and on. The stress has been unbearable. 

Also, I asked for a waiver of the fraudulent {$15.00} home valuation fee, and that was declined ; this was the straw that broke the camels back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXX  XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Debt collection

Date : XX/XX/year>XXXX  Name : XXXX XXXX Creditor Name : Bounce AI Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Subject : Formal Dispute of Debt and Credit Reporting Account XXXX To Whom It May Concern : I am writing to formally dispute the account referenced above, which has been reported to credit bureaus and is being pursued for collections by Bounce A.I. This account was originally owned by XXXX and has already been charged off. Additionally, XXXX has received a tax credit from the IRS for this charge-off, rendering further collection attempts inappropriate and potentially unlawful. 
Under IRS regulations, creditors who charge off debts and receive a tax benefit are required to issue a Form 1099-C to the debtor. I have not received such a form, and without this documentation, any further collection efforts would be in violation of IRS guidelines and could constitute fraud. 
Furthermore, there has been no proof provided of my ownership of this debt since it was charged off. Without legal validation of ownership, XXXX XXXX. has no rights to pursue collection efforts or to report this debt to credit bureaus. 
I demand that this account be immediately removed from my credit reports and that all collection activity cease. Failure to comply with this request within 14 days of receipt of this letter will leave me with no choice but to take the following actions : XXXX. File a formal complaint with the IRS regarding this fraudulent activity. 
XXXX. Pursue legal action against XXXX XXXX. and any other involved parties for inaccurate and illegal reporting of information to credit bureaus. 
I trust that XXXX XXXX. will act promptly to rectify this matter. Please confirm in writing that this account has been removed from my credit reports and that no further collection attempts will be made. 

Sincerely, XXXX XXXX
Product: Debt collection

Sallie Mae calling me repeatedly. Also calling family members asking them to make payment arrangements for me.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove XXXXXXXX XXXX XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}
Product: Vehicle loan or lease

I made a financial agreement with Bridgecrest through XXXX XXXX XX/XX/year>. I was sold a vehicle that needs a lot of repairs and XXXX  XXXX  warranty doesnt seem to cover the repairs needed. After 2 months of having a car I should not have major issues associated with the car such as engine, transmission, exhaust, XXXX converter, gaskets and more. I have been trying to get my car fixed and reimbursed for rental car expenses since XX/XX/year>. No one is helping me to get my car fixed accurately. XXXX was approved to fix repairs but it didnt improve my vehicle condition. The car sounds like a lawnmower when I drive and it is very slow to drive when you shift the gear. I am not safe to drive in weather conditions. I should not been sold a car that I am unable to drive sufficiently. I dont feel safe and I feel my life is in danger. Bridgecrest should not give out loans for faulty vehicles. XXXX XXXX XXXX and Bridgecrest are scamming people with their high interest loans and damaged vehicles. I should not be responsible for paying a loan on a vehicle that puts my life in danger.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Student loan

Ive been struggling and filed bankruptcy. Ive contacted the company to make payment arrangements or ask for loan forgiveness but the company is not offering me any arrangements to try to help my financial situation. 
Also my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud ok their platform, leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I filed a dispute and the company provided a document that is inaccurate, with an incorrect birthday, the spelling of my name, and no signature ( attached below ). Additionally, the company has not provided me with a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA the company is required to promptly delete all information which can not be verified.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX WAY2GO CARD # XXXX IS THE NEW CARD, THE PREVIOUS CARD HAS BEEN DEACTIVATED DUE TO UNAUTHORIZED CHARGES. 

ON XX/XX/2021 THE XXXX XXXX XXXX IN XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1800.00} TO MY WAY2GO CONDUENT MASTER CARD/DEBIT CARD WHICH IS A PREPAID CARD FOR MY CHILD SUPPORT PAYMENTS. THE XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1300.00} TO THE SAME CARD THE SAME DATE. I NEVER HAVE BEEN TO EITHER ESTABLISHEMENT NOR HAVE I AUTHORIZED THESE FRAUDULENT CHARGES. I WAS NOT AWARE OF THE CHARGES UNTIL I CHECKED MY CARD BALANCE AND IT WAS A LARGE NEGATIVE BALANCE. AFTER GOING THROUGH MY STATEMENT I IMMEDIATELY DISPUTED THE CHARGES WITH WAY2GO CONDUENT WHO RESPONDED BY TELLING ME THE MERCHANTS REFUNDED THE CHARGES WHICH WAS NOT TRUE. I ASKED FOR PROOF OF THE REFUND OR CHARGE REVERSAL AND PROOF THAT THE AMOUNTS HAVE BEEN CREDITED TO MY ACCOUNT. I HAVE NOT RECEIVED PROOF OR DOCUMENTATION OF MY CARD BEING CREDITED FOR THOSE UNAUTHORIED AMOUNTS. MY ACCOUNT BALANCE IS CURRENTLY NEGATIVE IN THE AMOUNT OF THE UNAUTHORIZED CHARGES WHICH IS CAUSING ALL OF MY INCOMING DEPOSITS TO GO TOWARD THE NEGATIVE BALANCE. I AM NOT RECEIVING MY CHILD SUPPORT PAYMENTS DUE TO THIS ERROR. I WOULD LIKE A FULL CREDIT FOR THE {$1800.00} AND {$1300.00} SO THAT MY CARD IS BACK IN GOOD STANDING AND OUT OF THE NEGATIVE. I HAVE NEVER HAD A NEGATIVE BALANCE UNTIL THIS ERROR OCCURED. I HAVE SPOKEN WITH 6 DIFERENT PEOPE IN THE DISPUTE DEPARMENT REGARDING RESOLUTION. I WAS TOLD A TROUBLE TICKET WAS CREATED ON MY BEHALF IN ORDER FOR THE CREDITS TO BE APPLIED TO MY ACCOUNT. I WAS TOLD TO ALLOW XXXX TO 5 BUSINESS DAYS FOR RESOLUTIN, YET IT HAS BEEN 9 BUSINESS DAYS AND STILL NO CORRESPONDENCE OR RESOLUTION FROM WAY2GO.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a denial letter from Bank of America- Alaska Airlines Credit card, for a credit card that I never applied for. Letter was dated XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  KS XXXX is reporting to ChexSystems that there is a balance owed on a personal account that I have never had a negative balance on. I did have a personal account with this bank, however, I have never had a balance, past due balance, or any such issue. They are reporting that I personally owe {$440.00}. I don't even have an account with this institution. I never used the personal account, and again, there was never a overdraft or negative unpaid balance on the Personal account! 


Source of Information : XXXX - XXXX XXXX  ; XXXX XXXX XXXX XXXX KS XXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/year> RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID