23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Was behind on mortgage before given a forbearance when I came out was required to pay the entire amount. I had funds to bring account current less the amount that added up during the forbearance but wasnt allowed to make payments. They wanted all or nothing. Tried for a modification but the results would have increase my payments They dont modifly with the results being higher payments. House is in foreclosure. 
They insist all or nothing.Other who came out of forclosure are being given repayment plans and remods.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account in my Experian credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding XXXX XXXX XXXX account as a fraudulent account and submitted these documents to the XXXX XXXX  and credit reporting agencies. They deleted this account from my credit report, but recently Experian credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent account.
Product: Debt collection

This account is part of a litigation case. The original creditor as well as Wakefield and Associates KNOW this but they continue to harass me and report inaccurate information to all three credit bureaus. Even my attorney has told them this! 

Any medical bills from XX/XX/2020 until XX/XX/2020 are part of litigation and can not be pursued by ANY collection agency until the case has completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to order a refrigerator through Sears online in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of 2019. acct syw  mc/cbna # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.
Product: Student loan

I applied for the XXXX XXXX and also tried to do XXXX for my loans since I worked at a service job for over 10 years my original loan servicer XXXX has failed to correct this issue and give me the resources to get my loans forgiven I attempted calling and reaching out to this company now my loans were transferred to Aidvantage in XXXX I have taken the legal appropriate steps to give them the corrected information and this company has failed to to help me.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2020 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and I would not have transferred money if Zelle had properly informed me of this information.
Product: Debt collection

I have a collection on my credit report that is not mine. Someone forged my signature and the company in question refuses to listen to me. I have tried disputing it with the bureaus but have had no luck. Please help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I received a debit card and a credit card in the mail from Chime that i did not apply for. I called them right away and they canceled the accounts. 

My complaint is regarding the fact that the acounts were opened, even though I have a freeze on my credit reports due to a similar issue last year with XXXX and a cell phone provider. I confirmed that the freeze is still in place. 

I also have a lock on my SSN to try and prevent someone using it for identification purposes. 

I feel that chime is not practicing the correct identity validation for a financial institution.
Product: Credit reporting or other personal consumer reports

This is my second endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, XXXX XXXX and LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. They never update the report stating that there was a dispute. Please look into this for me. thanks in advance.
Product: Checking or savings account

Applying for class action lawsuit. Had accounts during time frame.
Product: Mortgage

my loan was with XXXX XXXX we received a letter from them stating the NationStar would be our new server. 
starting XXXX everything comes out of our checking account, being a modification i did not question why our loan was not going down. 
now i have applied for a new loan with XXXX and was informed that my payment isn't moving because i have been given a forty year loan through Nationstar we were never informed, my husband is XXXX and I'm XXXX we work part time we would never agree to 40 years even if i were 30 so if you can help me or guide me i so would greatly appreciate any help.
Product: Mortgage

Im a mortgage customer with chase bank I already make a payment for all amount i have but the bank send a credit report for non payment and my credit goes down fo a fair credit. Please help me
Product: Credit reporting or other personal consumer reports

I am in disbelief how Transunion can keep reporting this inaccurate account on my credit report after I have notified them over and over of this inaccurate item. This is preventing me from getting an apartment for my children.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called customer service for my card, because I lost the original card, I can't provide them with the serial number, I was not told to keep the serial number when I bought the card, I just kept I got my card information and receipt, but they locked my card for no reason and asked me to provide the serial number, so I could only send them an email to provide them with my purchase receipt. I had a recording and the customer service answered my card There is XXXX dollars in it but can't give it to me, ask me to provide the purchase receipt, I have sent it many times but it has not been resolved to me, I have been waiting for more than a month, I hope it can be resolved as soon as possibleXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX ;
Product: Credit card or prepaid card

Comdata Universal Mastercard - BUYER BEWARE!! 

Have been using Comdata Universal Mastercard fuel cards for the last three years in my XXXX XXXX delivery business. For the last 7 weeks they have been adding a high risk transaction fee of {$75.00} per week to my invoice along with a {$22.00} per week fraud protection fee. I call to have it removed which they do, telling me that is a mistake. Each week I have called again and again. 

Now I am very frustrated because they can't fix the recurring problem and it take 20-30 minutes on the phone each week to resolve. Needless to say, I am looking for another fuel card service provider.
Product: Credit reporting or other personal consumer reports

There are multiple collection accounts appearing on my credit report that do not belong to me. I discovered these inaccuracies while reviewing my credit report and immediately took steps to dispute them with the credit bureaus and the collection agencies involved.

Despite my disputes, these accounts remain on my report, negatively affecting my credit score and financial standing. I have never opened or authorized these accounts, and I am requesting that they be thoroughly investigated and removed as they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.
Product: Checking or savings account

I noticed unauthorized inquiries on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUinon, XXXX, XXXX  continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.
Product: Debt collection

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was getting ready to apply for an apartment when I checked my credit report and realized I had damages on my credit report. I can not apply for a home with these types of damages on my report. According to the 15 USC 1681 ( B ) ( C ) Law there should not Be any damages to my report and its a defamation to my character. It is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from experian saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is reporting that i owe this company when i was a victim of identity theft and this company knew of that remove and block this from my report im am tired of being harassed and i am a victim please help
Product: Mortgage

Having participated in Credit Counseling XXXX XXXX, which I do NOT need, on or about XXXX XXXX, I submitted Ocwen Loan Servicing, LCC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via certified mail my loan modification package. XXXX XXXX, I wrote Ocwen the reason for the delay of my loan modification to no avail. 
1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 
2 ) Contracted with XXXX - XXXX Home Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX and completed said modification on or about XXXX XXXX. Note : The representative involved in the modification process informed that I did NOT have to or make any mortgage payments being the fact of the modification loan in process. 
3 ) Representative later informed me that my modification loan was prepared by " XXXX XXXX XXXX '' which required me to correct the Cashier Check instead of XXXX. 
4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 
5 XXXX Learning from XXXX XXXX Bank - XXXX OH, Ocwen disclosed derogatory information with numerous credit bureau 's resulting denial of my credit application. 
6 XXXX As of this dated report, a " Partial Payment Agreement '' was not disclosed and do not know what it referenced to. 
7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. 
XXXX ) Combination of mortgage payment/ derogatory reports to the credit bureau 's, Ocwen Loan Servicing and the Debt Collection Division are not responding the issues I am concerned with, hereby requesting the assistance of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.
Product: Checking or savings account

good afternoon dear, I want to know the reason why you do not help me, I am a low-income person, and in a country with many problems ( XXXX ) XXXX the bank closed my account and without any explanation, which I think is in their right, but it is my right that they give me my money, I have been having this problem for several years and to this day no solution from the bank or from you, I do not have a XXXX, I can not go to the United States XXXX there is no embassy in my country, I ask you to give me my right to my money that with so much effort from my work I have been able to collect, my account was closed in XX/XX/XXXX, and I have filed 2 complaints here with the number XXXX dated XXXX XXXX and XXXX dated XX/XX/XXXX, and they have been closed without any solution, and I only ask you to please give me my right as an honest person that I am to have what is mine, that is all I ask of you, and please do not close my case without my consent that the problem was solved, my balance is XXXX thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit card or prepaid card

XX/XX/XXXX I have held two credit cards with Citibank for over 14 years and have had a Citibank bank account for over 30 years. 

I just learned that my credit cards were closed when I tried to use the cards at a store. 
All my earned purchase points were erased and I can not view any previous information on the closed accounts although the outstanding charges of last month are still visible and connected to full autopay on my bank account. 

The reason Citibank gave for closing the account was they recently changed their policy not to allow a foreign address on credit cards. I went abroad since XX/XX/XXXX and had changed online, my mailing address for the credit cards only and kept my bank account 's US address. I did not receive any notification via email or on the Citibank site of this policy change. I did not receive a letter notification at my foreign address. Given the current COVID pandemic, mail is slow domestically and internationally already. However, I never received a mailed letter notifying me of this policy change. 

My complaints are as follows : 1 ) I earned my points through usage and actual purchases on the credit card and it doesn't seem legal to erase my entire earned rewards without sufficient notification and allow me enough time to take action on the rewards before closing my card account. 

2 ) 2-month timeframe to allow customers to respond to their mail notification is insufficient time during a pandemic.

3 ) Although I was signed up for email statements and notifications, I never received an email notice or any warnings about the eminent closure of my cards online. 

4 ) Even the bank manager at our branch, who helped set up the foreign mailing address, was not aware of the bank 's policy change, so was unable to advise me to take action on the matter to avoid account closure.