23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our house was already foreclosed on and we were evicted. Thing is we paid XXXX XXXX   XXXX thousands and thousands of dollars to stop it but all they did was file repeated attempts for backruptcy then offered to buy our home and rent to us. Then the night before our eviction, our representative XXXX XXXX called and said nothing would happen, we were fine. Lies, because the sheriff evicted us. If XXXX had done his job he would have seen the assignments on 6pur deed were invalid. Now Mr XXXX has asked me for money to clean up our credit rating. Unbelievable
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found inaccurate information on Equifax. I wrote them on XX/XX/XXXX, they have failed to respond or update my account accurately.
Product: Credit card or prepaid card

I am highly irate due to Discover Bank continually putting my payments in a hold for eight days when I've never bounced a payment. This is absolute discrimination and other consumers are facing the same dilemma. Some consumers don't go through payment review and their payments bounce back. Please do investigate this as in my opinion this is discrimination.
Product: Mortgage

I entered in a loan modification from XXXX XXXX, with M & T Bank thru XXXX. This agreement stated the total monthly payment as of {$1900.00} ( XXXX, as principal and interest ) + Escrow ( XXXX for Hazard Insurance + Property taxes ). On XXXX/XXXX/XXXX they sent me account Projections and the projected monthly payment escrow would be {$560.00} from XXXX XXXX to XXXX XXXX. On XXXX/XXXX/XXXX they, sent me a new account projections showing that I have {$7200.00} of escrow shortage, thus the monthly payment increase in {$600.00}, it means 30 % increase payment shock. They still are sending mortgage statement requesting payment as of {$30000.00}. Even though, based on the Loan Modification Agreement the amount of {$1300.00} must be applied to Principal + Interest, the monthly statement they sent me did not apply any amount to the princiapal but to an " Unappplied Funds '' something called " Suspense Balance ''. My property taxes are paid in XXXX and the Insurance are disbursed on XXXX. The annual changes of the hazard insurance and property taxes + insurance are increased in less than 1 %, but the escrow amount, according to the mortgagee increased more than 30 %.
Product: Debt collection

Resurgent receivables is not authorized to collect a debt from me.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with
fraudulent practices, including consolidated loans. 3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX 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 violates 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 process 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 for these violations.
Product: Vehicle loan or lease

I have no knowledge of this Honda Financial account. I believe I was a victim of identity theft. I would like this removed from my credit report expeditiously.
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX, Inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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.

Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX  over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion. My credit scores were XXXX and 630+ respectively by credit co . I  received an erroneous report from XXXX school loans and my scored dropped more than 200 points. The error was correctef by XXXX and I have cleared 90 % of collections and my scores are still in the 500. The credit reports document that I am paying bills but score is still low.
Product: Debt collection

In XX/XX/XXXX my wife and I filed for XXXX XXXX bankruptcy with XXXX XXXX XXXX and XXXX  in XXXX, Ga. XXXX XXXX XXXX Our lawyer, Ms. XXXX informed us at the time that her office would send out notices to all the companies we owed money to. Ms. XXXX told us further that if a company did not respond to her queries they would NOT be included in the final payment plan set up by the attorneys. We got our bankruptcy cleared out by XX/XX/XXXXand we thought the issue was resolved. 
I began getting harassing phone calls on my mobile phone from a company called XXXX XXXX in XX/XX/XXXX stating that I owed money to Barclays credit card company. At first, they wanted to settle my debt by my paying a small percentage of it with my debit card. I declined to pay because the debt was supposed to included in my XX/XX/XXXX bankruptcy.I informed them of the facts and referred the callers to Ms. XXXX. They persisted in calling and I blocked several cell phone numbers from my mobile.I was told by XXXX staff on more than one occasion that I had XXXX legal charges against me related to this debt.I have yet to receive any notifications by mail or otherwise concerning my alleged credit problem. The latest phone number I have for XXXX Services is XXXX. I saved on my mobile phone the some of the messages that were left for me. I will provide documentation of the phone calls if necessary.
Product: Debt collection

I have been going through Identity theft since the year 2020. Recently my personal information has been leaked in multiple data breaches including XXXX ( engagement number XXXX ), XXXX, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. This dispute is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to any consumer reporting agencies ( XXXX, XXXX, XXXX ). The only acceptable communication from your office shall be via U.S. mail, solely to confirm the permanent deletion of this account from all consumer reports. Additionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings. Please provide answers to the following : 1. What did your representatives uncover that validated your reporting? 2. What certified documents were used to reach this conclusion? 3. Provide a complete copy of all information transmitted to the data furnisher. 4. What was the cost of obtaining these documents? 5. Show proof of timely procurement of certified records. 6. Did you speak with a live representative of the furnisher? a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call? 7. Provide the date of first delinquency. 8. Provide the exact date this account is scheduled to stop reporting. If you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of this account. I did not grant permissible purpose for you to furnish this inaccurate information. Failure to comply leaves my no choice but to pursue further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing my report to be pulled for a apartment. They are stating that my credit file is blocked, but my credit file is not blocked nor is it frozen. this has caused me to be homeless and not approved for any apartment. i have occurred charges i can not get back from applying to different apartments and being denied due to this " XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Type of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : unsecured loan Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : secured loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : auto loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ Account Number ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX RE : EXTORTION RE : XXXX RE : XXXX XXXX XXXX XXXX XXXX FCRA VIOLATIONS RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT PHYSICAL VERIFIABLE PERMISSIBLE PURPOSE XXXX Thomas/Federally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report. 
Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. SEND THE REASON EACH OF THESE INQUIRIES WERE MADE AND SEND ME EACH COMPANIES PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 

YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, XXXX XXXX  XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a XXXX unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan.
Product: Credit card

I was paying off the card and they put it through then illegally charged me the amount back on the bill. That bank is closing now. I have also been abducted in the US all my life almost so I dont think its far.
Product: Credit reporting or other personal consumer reports

I do not have a capital one credit card. They are stating I have two cards and I do not have a credit card or credit cards with capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Payday loan, title loan, or personal loan

Wells Fargo interfered with my ability to apply for the SBA PPP loan in a timely manner which impeded our ability to access funds.We were not granted access to the loan application until Wednesday, XX/XX/2020 which was too late. On XX/XX/2020 I received a voicemail instructing me to complete an interest survey online, which I did. Then, they reassured me that I was placed in a queue via an auto reply email. I continued receiving auto replies stating that they would email me when I could apply for the loan. On XX/XX/2020, I was granted access to apply for the loan which I did. Since then Ive received auto replies stating that my application will be processed if Congress approves more funds, but telling me the money has run out. By the time I was allowed to apply, the money had already run out. Today, XX/XX/2020, Congress has approved more funds. I attempted to call my local banker, whom Ive been exchanging emails with throughout the entirety of this ordeal, and the phone number provided as a help line through Wells Fargo for PPP loans. I was on hold for 4 hours today and no one ever answered. Ive still not received any personal follow up regarding my loan application. I only receive auto-replies. There is no way to get any confirmation of anything. I recently read an article about unethical business practices in regards to how Wells Fargo has been handling the processing of PPP loans. I feel that I have been disregarded because my loan amount may be considered small compared to others ( I understand the bank benefits more from shuffling larger loans through ) and we are a woman-owned business.