23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below.

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.
Product: Mortgage

We have applied for loan modification 3 times. 
First, we applied in XXXX with a valid hardship. We submitted all documentation to verify all non-borrower contributors. However, Wells Fargo only utilized one income ( the borrowers ). When questioned, Wells initially said they DID utilize all non-borrower contributors ( which would have been 3 additional incomes, PLUS the borrowers income ). When pressed for documentation, they then said they did not use all the non-borrower contributions because they believed the borrower did not live in the household. He did live in the household. They never asked for any documentation NOR did they state that was the reason for denial until the following year. 

The second time we tried for loan modification in XXXX, we were denied for almost everything due to a chapter XXXX bankruptcy we had to file to save our home. We were approved for a short sale. We appealed this, because we received a promotion at work with higher pay AND because the bankruptcy was dismissed. In their calculations, they also used two different incomes. I asked why, and they did not respond. They stated we did not make enough money to support a repayment plan. I asked the NPR calculation used and which income they used. They did not respond. They denied our appeal and said we would need to resubmit an entire loan modification packet to be reviewed without the bankruptcy. 

Right after the denial of the appeal, they set a foreclosure sale date. 

We asked for a short sale approval since we were previously approved for one, they said no. 

I am reapplying for loan modification but each time I submit a piece of verification paperwork they ask for more things. This means they are going to keep denying it until they take my home. 

I can not get ahold of anyone that has answers, nor get a call back, unless I file a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within XXXX  days. Relevant documents have been included for your review.
Product: Student loan

XXXX  Today I spoke with Sallie Mae in hopes of coming up with a more flexible payment plan instead of the XXXX XXXX monthly payments as well as the 12 % interest. I have a small XXXX XXXX old child, with many expenses-we have even got rid of one of our cars to reduce monthly costs. This company offered me zero help or support simply said the interest rate would go up if I opted for any type of repayment options and even that would only reduce my monthly payment by XXXX XXXXwhich I feel should be or is illegal. I am questioning the moral conduct of this company as a whole. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX all throughout the pandemic. This is not how you treat those who have chosen public service jobs. Offering no sort of loan repayment options or support. This is not sustainable especially during these economic times. I wish for this company to be fully audited on their practices and " programs '' entirely criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my XXXX complaint/investigation. 

I placed in my XXXX complaint in XXXX XXXX XXXX my XXXX complaint in XXXX XXXX XXXX  and are in XXXX XXXX XXXX  and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and etc.
Product: Checking or savings account

On XX/XX/23 I contacted Credit Karma for help to withdraw money from the savings account I have with them which is where I keep my emergency fund and transfer to my checking account. The current checking account attached to the credit karma save account is closed and I need to update and link the new checking account number from my financial institution XXXXXXXX XXXX. For some reason there is a glitch in their computer system because the link to change checking account numbers for withdrawals does not work. I tried multiple browsers, computer, tablet, iphone, android and nothing. I have been emailing their customer service for two weeks with no solutions. Lately they do not even respond to my messages. All they have to do is delete the old closed checking account linked to the savings so I can add the new one. I have no way of speaking to a live person on the phone or requesting a manager etc. I am now facing financial problems from this interest charges, unpaid bills I and am extremely stressed out. I JUST WANT MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to reporton my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but Inever received a response from them. These accounts must be validated in accordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will takelegal action against them. Please follow the law so that this matter can be resolved as soonas possible. XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,    2017  this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint to inform you that I alleged that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit reports immediately. With this, I am asking for your assistance to correct this account reported as late in my credit report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Had these two accounts for a very long time never missed the payment ever on these accounts, made all my payments consistently account was supposed to be on autopay a representative at this company say everything was fine, but come to find out that every payment that I was making was not being accepted never notified me about this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I contacted Equifax because I'm applying for a mortgage but the current address has not been updated on my Equifax report. I have lived at this address for 1.5 years and it is correctly listed with the other credit reporting agencies. I was still that they were not able to help me and to fax a copy of my social security card along with my current driver 's license to them. I promptly faxed both along with a cover letter with the reason for the submission being that the address needs to be updated on my Equifax report. I was told that it would 5-7 business days for the information to be updated. On XX/XX/XXXX, I received a notice from Equifax dated XX/XX/XXXX that they received my documents but are not able to update my information because they can not find a current file for me. I called Equifax to try to correct the information but the customer service agent was not able to access the system due to a " system update '' and to call back in 30-60 minutes. I attempted to call again but the system was still unavailable. I tried calling again on XX/XX/XXXX and was told that they were still experiencing a system update. I attempted to call again on XX/XX/XXXX and spoke with a representative. She said that they received the fax but that my social security card is not valid and does not match their records. I requested to speak with a supervisor. The supervisor said that they are experiencing a system update and she can not access my account. I requested another supervisor and she retrieved the documents, attached them to my credit report, and updated my current address manually. She said that it will now be 30 days before the information is reflected on my Equifax report. This call took 45 minutes. Since beginning this process I have spent close to 40 hours on the telephone attempting to have this information updated. Just to speak with a representative each time it takes XXXX in the automated system and I'm often disconnected before speaking with anybody. The solutions offered are nonexistent, repetitive, and often incoherent. I've been told repeatedly that I just need to resubmit the documents or that the documents submitted were invalid. When I've asked to speak to a supervisor, multiple times it has been the same person using a different name. I would just like this information updated in a timely fashion so that I can attempt to buy a home.
Product: Credit card or prepaid card

We had subscribed online to XXXX who provided a tool to draw diagrams. The subscription ran thru XX/XX/XXXX, and would be automatically renewed if we did not cancel. However we did cancel, and we have an email from XXXX sent on XX/XX/XXXX at XXXX XXXX acknowledging the cancellation. 
However, they claim that the cancellation would take effect not now, but on XX/XX/2022 and billed us {$580.00} and that the charge would be non-refundable. 
We disputed the charge with Capital One. Initially, they gave us a temporary credit. Upon receipt of letter from XXXX that 'no cancellation ' per policy was received. 
This is false and considering that we did provide Capital One with the cancellation acknowledgment dated XX/XX/XXXX, Capital One should have removed this charge permanently.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$9300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.
Product: Bank account or service

Good dayToday i found out my bank account is frozen and ready to be closed. 
And i am victim here with have worked for a company whoi now realize send me a Bad or Fake check. 
for an ammount of XXXX dollars and XXXX ct. 
That my account will be closed because of this, i really do n't like.. I all ready needed to find out, that iworked hard and in the end not being paid for it. 
Because the Check is not good. So on that i am a victim of peoplewho hired me for doing a XXXX job. Got cheap labour. 
But the problem now is that i am also because of that about to loose my chase bank accountand that i do n't think is fair. 
So is there any thing, that can be done, to not have my bank account being closed? 
Hope that this problem can be resolved and that i can keep my chase account activeRegards
Product: Mortgage

Freedom Mortgage employees XXXX XXXX, XXXX XXXX deliberately delayed processing of my refinance loan. XXXX XXXX 's supervisor was copied on some of the e-mails but failed to intervene. XXXX XXXX and XXXX XXXX would not return my calls, or answer questions. They failed to put information I sent them in my file. They said they were my primary point of contact. My file was shifted to about three other processors who requested same information I had already sent XXXX and XXXX. Application process started on XX/XX/2021, and did not close and fund until XX/XX/XXXX, XXXX was locked into this transaction and not allowed to take advantage of historically low interest rates on other financial matters. I could not use credit cards or engage in other financial matters. Took about 90 days to close. No home appraisal or inspection was needed. I was already and existing XXXX/Freedom Mortgage customer. I only wanted to refinance my existing principal balance. I sent documents to them promptly when requested. Closing date changed 3 times, my payoff letter expired, substantial incresases in closing costs, my rate lock expired and had to be extended.
Product: Debt collection

Repeated calls ( 12 ) throughout the day ( XXXX-XXXX ) every day of the week/weekend for the the last 3 1/2 days. I am 7 days late on a Master card ( issued by fifth third bank ) payment due to medical problems resulting in early/unexpected retirement on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes 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.

This 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. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Block Request : Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
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 on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Money transfer, virtual currency, or money service

After selling a very expensive phone on XXXX, I was paid through Paypal. This payment was {$2200.00}. This is the only transaction that I completed with Paypal. I was then notified that I was permanently suspended from using Paypal. I was given no reason as to why, and I am completely shocked that they did this. When doing this, they then prevent me from withdrawing my funds for 180 days. 

While I feel that the 180 days is absolutely ridiculous, they state it is to ensure that there are not issues with the transaction that will require refunding. 

However, there is no risk of this occurring as there was a case opened and Paypal ruled in my favor and denied the case. It is documented in case XXXX completed on XX/XX/2020. 

The date of the transaction is XX/XX/2020 through XXXX  ID : XXXX. 

As there is no possibility that the available balance will be refunded due to the case review stated above, there is no reason for Paypal to justify holding these funds any longer. I urgently wish to withdraw my funds and close this account with paypal. The paypal account is XXXX. 

Thank You, XXXX XXXX
Product: Mortgage

I've escalated this matter several times. My last complaint with CFPB, and the last " outcome '' with Mr. Cooper ( escalations dept. ) states I did not pay my mortgage for XXXX. I have provided Mr. Cooper with trace numbers dating back to XX/XX/year>. There were XXXX payments in XXXX the first payment was debited at the beginning of XXXX. This was for XXXX 's payment, the second payment at the end of XXXX this was for XXXX payment. Again, I have escalated several times, and provided evidence of all payments from my bank. Mr. Cooper 's response is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX  XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX