23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Dear Sir or Madam, I have been working and paying my bills on time since I moved out on my own at age XXXX for a living. In my XXXX year credit history I have bought and paid off homes, cars, motorcycles, and boats. I have had a & gt ; {$10000.00} dollar credit line with VISA since 1999. I currently have {$380000.00} in credit balances- real estate, revolving, installment, and charge accounts in total. Of the {$380000.00} I owe, {$200000.00} is in government backed student loans. 

I gross & gt ; {$XXXX} a year from employed income as XXXX. In my entire credit history I was LATE on ONE car payment over TEN YEARS AGO while I was in XXXX school studying for my XXXX exam. Other than that I have never missed so much as a XXXX payment. 

How can I possibly have a XXXX credit score that ranks me at 52 % of American consumers?!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681c-2 Equifax is supposed to block fraudulent information that i provide with my written statement and proof of identity theft report and valid identifying documents. These accounts are fraud and I have provided my identity theft report as well. This request is not an error, I have not received any goods or services or money for these accounts. Please Block and delete accounts. XXXX XXXX Account XXXX, XXXX  Account XXXX These Inquiries are Fraudulent also, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CRED XX/XX/XXXX Credit Card Opened by the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX, Capital One inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX
Product: Credit reporting

I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax & XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 8 student loans on my credit report. All 3 credit XXXX, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called Ocwen, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. Ocwen has received my on time payments, since XX/XX/2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, Ocwen, kept me with a running 90 day late payment and has caused me financial harm.
Product: Checking or savings account

I signed up for a BMO personal checking account in XX/XX/year> under a promotional offer that stated I would receive a {$100.00} digital gift card upon meeting specific qualifying requirements. According to the promotion, I needed to : 1. Open a personal checking account online at bmo.comXXXX. 
2. Meet with a BMO banker within 90 days of account opening ( via phone or in-branch ) to discuss my financial priorities and complete the myFinancial Compass guide.

3. Provide a valid email address and ensure the banker completed the guide.

I fulfilled all of the stated requirements, including meeting with a BMO banker to discuss my financial priorities within the specified timeline, providing my email address, and confirming the banker completed the guide. Despite doing so, I have not received the {$100.00} gift card as promised. 
When I contacted BMO support for clarification, I was informed that I was not part of the " target population '' for this promotion. However, the terms of the offer, as outlined on the website, did not indicate that this was a requirement for eligibility. The promotion was presented as universally applicable to all individuals who opened a qualifying account and completed the stipulated activities. 
The omission of this restriction from the terms and conditions constitutes deceptive advertising, as I signed up for the account with the expectation that I would receive the promised incentive. Had the exclusion of a " target population '' been disclosed, I would not have proceeded with this account. 
Additionally, I have attempted to resolve this issue directly with BMO support, but they were unable to provide a resolution.
Product: Credit card

Please look into the attached documents. Start an investigation on these accounts where I have never been late, yet they are inaccurately reported as such.
Product: Mortgage

My Wife and I obtained a loan in XXXX. Mr Cooper Loan Company later took over the loan and stated that the loan agreement rules from the original loan company will remain the same and said there will be no changes. When we obtained the loan we were told the loan would mature in XX/XX/XXXX and that would be the end of our loan and it would be paid in full. The Company never indicated that we would have to start all over on a new loan 15 years later XX/XX/XXXX to pay the loan off. Suddenly in late XX/XX/XXXX Mr Cooper loan company is sending us notices about about Continuing Payments when the loan was supposed to be Complete and paid in full in XX/XX/XXXX. My wife and I did not agree to keep paying anything after XX/XX/XXXX. I am asking you in good faith to look in to this loan for me and help me resolve this matter to end this practice. Thankyou in advance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX card with my brother. The account has been paid in full and XXXX has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports XXXX XXXX are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and Equifax are negatively impacting my ability to obtain that mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX, Account number XXXX XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : XXXX, Account number : XXXX, has violated my rights. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is also inaccurate. The creditor keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} and US BKPT CT XXXX  XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : $ XXXX XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

I am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 accounts name XXXXXXXX XXXX account # XXXX account name XXXX XXXX account # XXXX account name XXXX XXXX XXXX account # XXXX account name XXXX XXXXXXXX account # XXXX
Product: Student loan

XXXX refused to discharge my loans from XXXX XXXX under sweet vs. XXXX. I was never properly notified. Instead XXXX transferred my loas since I'm also eligible under XXXX.
Product: Vehicle loan or lease

On XX/XX/2023, at approximately XXXX, GM Financial repossessed my vehicle using a third-party agent, XXXX XXXX. My vehicle was located on private property not owned by me and the tow truck driver trespassed onto the property without permission to verify the tag of the vehicle from the rear. There was no other way to verify the right vehicle without trespassing. He then backed the tow truck to the beginning of the driveway and extended the tow arm enough to drag the car off of private property and into the street.
Product: Debt collection

I have made a payment on my medical bill to the debt collector, on XX/XX/2022. I had received a letter on Friday, XX/XX/XXXX, stating that I did not pay my bill for XXXX, and that they have done all they could do to collect. I have attached my bank statement, showing the date when my payment went out, as well as the letter showing they have exhausted every effort, and option to collect payment.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to formally report a case of credit card fraud that I discovered involving Bank of America. Although I regretfully acknowledge that I reported the fraud later than desired, I believe certain circumstances warrant consideration. 

I am a victim of identity theft as well as being a very business owner with multiple credit card relationships. I also would like to add that I have XXXX personal credit score and never had a credit blemish. I also have the highest status of banking with Bank of America and have been a great customer. Cards were stolen from my card wallet and I didn't realize until after quite some time and because of the high limits and my account balance and online banking not all being synced it went unnoticed by my accountant. When I identified these charges i Immediately disputed the charges. Then every dispute takes 90 days and every time i had to wait on a dispute, less charges were able to be seen by the phone rep. There was not inbound department to handle this much fraud so i was constantly bounced around. This is why I'm reaching out. I tried to resolve it with the merchants but I can't resolve it because I can't get information on an account I didn't create to authenticate the charges. All I can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didn't do it and it's been adjusted on my account from my previous disputes about this same matter except the charges from past in 2021 the representatives can't see anymore. Attached are all charges between XXXX 2021 that have occurred that have not been addressed. Merchants that fraud came from are ALL charges from XXXX, XXXX, XXXX XXXX Credit Card. 

I understand the importance of reporting such incidents promptly, and I sincerely regret any delay in bringing this matter to your attention. However, I would like to draw your attention to FCRA Laws : Section 605B - Blocks on Information Resulting from Identity Theft Section 611 - Procedure in Case of Disputed Accuracy Section 613 - Public Record Information for Employment Purposes I appreciate your time and attention to this matter. I am more than willing to provide any additional documentation or information to support the investigation. Thank you for your assistance in resolving this issue and protecting consumers from fraudulent activities. 

Cards involved ending in XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX
Product: Student loan

National collegant student loan has XXXX XXXX XXXX  continuing to get court orders to garnish my moms paycheck we have never gotten a summons to appear in court and it was included in my bankruptcy
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at about XXXX I tried to deposit a check in my account using the Bank of America located XXXX XXXX  XXXX XXXX, XXXX  IL XXXX. I inserted the check & received a error message stating the machine couldnt read the check. & the check will be returned. The machine started to freeze up & eventually gave me my card back but the check did not return. The check did not deposit in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS NOT REPORTING MY CURRENT CREDIT RATING AND I AM UNABLE TO GET THE MONEY I NEED FOR MEDICAL TREATMENT THAT MEDICARE DOESNT COVER BECAUSE OF IT ... AND IT IS REPORTING MISINFORMATION WITH REGARD TO MY HUSBANDS CREDIT SCORE, TOO!! I NEED HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 158 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Re : Acct No XXXX To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you sent. Please note, that your claim is disputed and validation is demanded. 15 USC 1692g I do hereby request that your office provide me with complete documentation to validate that I owe the said debt and have any legal obligation to pay you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, and explanation of how debt was obtained. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges, and an explanation of how this was calculated Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed, an full audit trail. 
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE : I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for any costs and I may incur. 


Thank you, XXXX XXXX Last 4 of SSN XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Mortgage

I had a conventional mortgage with XXXX XXXX about six years ago, when I was challenged with keeping up with the payments due to my income decreasing. In XX/XX/XXXX, I applied for a loan modification with XXXX and they gave me the run around about how they could n't get the file finalized and approved by a XXXX modification agent. At that point I got in contact with the organization XXXX to see if they could assist with getting a loan modification for my home. Once XXXX started the process with the file for the modification, the loan was taken over by SLS ( Specialized Loan Service LLC. ). XXXX worked there magic and got me approved for a trial payment period. During this trial period, I made sure the payment was on time on the given date and continued to payments after the trail period ended. SLS never got back in contact with me stating that we meet the qualifications to get the modification approved. After this, due to drowning in debt, I was forced to file a Chapter XXXX bankruptcy, which at this point SLS choose to have no contact or doing with me until XX/XX/XXXX. This is when I started to receive numerous of letter from SLS stating that my home is in foreclosure and if I 'm interested in keeping the house to get in contact with SLS to see if I possibly could qualify for a loan modification or a forbearance. Since XX/XX/XXXX, the XXXX level has been so high I ca n't even explain it in words with this situation. I partnered up with a non profit organization to assist with the possibly of getting a loan modification with SLS in XX/XX/XXXX and I 've had nothing but the run around with SLS. Due to all the runaround SLS has given me, I now have a trustee sale this month and SLS is making every excuse in the world while my file is in underwriting that they ca n't hold off or postpone my sales date. I understand real estate and the importance of making sure that a loan file is completely done before submitting, with that being said I 've given SLS every document that has been needed for the file and all I continue to get is letters coming back stating they need more documents and I know I sent it the first time. So being cooperative i would call to confirm the exact documents SLS would need in the letter that 's been sent and I would fax the documents over the next morning, if not the same day. I would call and confirm that they received the documents the next day and some of the responses I 've received from the agents was, " Sir, it takes 48 hours to review the fax '', " Sir the fax number that an SLS agent gave to me does work anymore, you need to fax it to this number '', to " Yes sir received all documents that 's needed for your file and you should get a response within 5-7 days ''. Looking at some of the other complaints for this company on CFPB website, how is SLS still in business?? This is people 's livelihood your toying with and to have no consideration or compassion for clients situations is ridiculous. I think this need to be publicized so other people see what 's going on or even see they 're not alone on dealing with XXXX from this company. CFPB please help with this situation ASAP!!!