23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have XXXX, XXXX, Experian to unlock my credit report. This was not authorized by myself.
Product: Mortgage

To Whom It May Concern, This is a letter to explain the reason I fell behind on my mortgage payment. In XXXX my husband fell is and had to be admitted into a XXXX home because I was unable to care for him. Having XXXX income at that time and the unfortunate circumstances caused me to fall behind in my mortgage payments. In XXXX due to unforeseen circumstances my husband passed away of XXXX on XX/XX/XXXX. I trusted someone to help me with my mortgage but because of the language barrier I paid XXXX XXXX XXXX over {$20000.00} for mortgage assistance. He was telling me the mortgage company needed payments. Later I learned this individual was power of attorney on my mortgage and the monies I gave to him for payments towards my mortgage was never applied because the mortgage company does not accept payments on an active foreclosure loan. These last 5 years has been detrimental for me and my family and I dont know where I will go at this age if I dont get some sort of assistance. No one explained I could have gotten a Covid-19 forbearance nor provided any information as to how I can begin making my payments again. Its as though instead of assisting to find a solution the mortgage company is trying to take my home and leave me homeless. Please help me save my home because I do not want to be on the streets at my age now being a XXXX  citizen. I have tried relentlessly to get a workout from PHH Mortgage and they have denied me every time. I later learned that there were Covid-19 forbearances and other programs to assist borrowers like myself but I was not offered any programs to help me get back on track. As a XXXX  citizen I feel as though I am being discriminated against due to my age. There are my other people younger than me that have gotten workouts from PHH after falling behind but I have yet to receive any assistance from this company. Can you please help me stay in my home? I dont want to be homeless at this stage in my life. Thanks for your assistance in advance. 
Loan number XXXX. 


Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report..XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX Balance $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, equifax, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX equifax and XXXX.
Product: Credit card or prepaid card

RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc. 
I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account.

Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged. 
We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines. 
I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction.

I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and filed a police report back in XX/XX/XXXX. I have been going back and forth disputing XXXX XXXX and XXXX accounts and the bureaus will not remove the accounts off my credit report which is affecting my score and me being able to move forward. XXXX XXXX is saying I owe them {$20000.00}. This account does not belong to me and I need it removed from my credit report. They removed the accounts from XXXX back in XX/XX/XXXX and reinstated the accounts on XX/XX/XXXX and now will not remove it. The same situation with the XXXX account. They are stating I owe {$22000.00}. Experian deleted the item off my report back on XX/XX/XXXX and reinserted them a couple of months later. Please remove these items from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.
Product: Credit reporting or other personal consumer reports

I have been having constant issues with XXXX XXXX out of XXXX XXXX  putting incorrect information on my Transunion credit account! I paid this vehicle off in full on XX/XX/year> with the total amount of {$650.00}. Yet, they are constantly sending in information that is not true, by saying I owe the amount of {$790.00}, which is false!!!! The car has been paid off for over a month now, I have my title that was sent to me by XXXX XXXX, and I received a letter also stating that my account is paid off in full, with a balance of {$0.00}! They know my account is paid in full, but they sent delinquent information into Transunion as of XX/XX/year>, knowing I paid the car off for the amount of {$650.00}!!! XXXX XXXX has been deliberately doing this because I called them out on putting a false charge off on my account to falsely get my money, along with money from the government due to a charge off, which should have never been place on my account!! I have never been 60 to 89 days late on my account! This false information has caused my credit score to drop mow than XXXX points!!! They are trying to create a false paper trail to appear that I have not made accurate payments to them which is false, and I have documentation to prove that what Im saying is true!!
Product: Checking or savings account

I had being a wells fargo member for quite a while.Till the last XX/XX/XXXX, I did an online purchase to XXXX.Infortunaly the order was canceled by the store and by policie the refund period of wait time was from 5 to 7 business day the max.After I wait more than the time said.I first contact the store, and they provide me an authorization code in order to release the amount to my checking account.When I contact my bank institution, they said the money never was deducted, none of the transactions shows in my personal online access account, except theirs that it shows the whithrow that specific day.I had tried my best with all the evidences I have, to resolve my issue, but is such a waist of time.Now the excellence wells Fargo image I had from the past, it has change to the opositive.As a consumer is very upseting witnessed this bad customer services, very unfair not to own 100 % the accurate info about all my money transactions, this really made me dont trust in wells Fargo bussiness no more.
Product: Debt collection

I sent a debt validation letter to this company to verify 2 debts on XX/XX/23 and have not heard back from the company. I sent these letters via USPS Certified Mail and it was delivered XX/XX/23 at XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate CITICARDS CBNA Account Number XXXX
Product: Credit reporting or other personal consumer reports

equifax failed to delete this negative item on my report or provide proof of verification that support this negative item on my report, according to FCRA a fair investigation need to be completed and demand this negative item remove immediately.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I was defrauded by an individual using XXXX technology into believing he was a person I knew, we had made plans to purchase a loft in XXXX, Georgia ( where I lived at the time this happened ), he " proved " his identity to me by sending to my XXXX a photo of his passport and copies of his bank records, unbeknownst to me, both of these items in his name were faked, and as it turned out, this man I thought I knew was not the same person. 

To continue : He convinced me to wire to him funds in a one-time wire transfer in the amount of {$97000.00} USD, which I did from my branch of Wells Fargo to his specified branch of Wells Fargo in XXXX XXXX XXXX Missouri on XX/XX/XXXX. 
As soon as I realized I had been defrauded, within a couple of weeks, I contacted law enforcement and made a police report. With this report in hand, I went to my Wells Fargo branch and explained all of the aforementioned details, showed them proof of the wire transfer and a copy of the police report, but I was told there was nothing they could or would do to help me reclaim my funds. Discouraged, I went home and decided to try again, so I made another appointment with a manager and the exact same situation occurred again. It was at this point that I began researching funds recovery experts and upon their advice in XX/XX/XXXX, I wrote a letter of complaint explaining the fraud and including the wire transfer proof and police report to both Wells Fargo customer service and to Wells Fargo 's fraud department. I never received a response to my email so I called Wells Fargo to follow up on my correspondence, only to be told there is no telephone number by which to reach these departments because " they are in the back offices. '' In total I sent four different letters to Wells Fargo regarding this, only to be ignored until XX/XX/XXXX, at which time I finally received a letter from Wells Fargo declining to assist me in any way at all.
Product: Credit card

I closed the account settled twice with them and they continue to show late payments with a XXXX balance been over two years called the other day now there another business they have hurt my borrowing for home auto everything
Product: Credit reporting 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 u.s.c. 1681 Account Name... XXXXXXXX XXXX XXXX XXXX .... Account # XXXX Account name... XXXX XXXX XXXX XXXX ... Account # XXXX ... 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 an account without my written instructions...

15 u.s.c 1681 C. ( A ) ( 5 ) section states : no consumer report 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 seven years ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the third request. You are required by Georgia state law, XXXX. XXXX, to send all notices by certified mail to be eligible to collect a deficiency balance. Yet you failed to include evidence that the XXXX XXXX XXXX ( XXXX ) and Intent to Repossess notices were sent via certified or registered mail, as required by Georgia law. Failure to provide proof of certified mailing constitutes a violation of this statute and renders any further actions on this account legally void. I have requested this information twice through the CFPB portal on XX/XX/year> and XX/XX/year> and both responses were identical and did not include the state-required information.
Product: Credit reporting or other personal consumer reports

I have disputed my name and address with XXXX, XXXX, Experian, for the past 9-10months, asking for my information to be updated.I sent proof of Identity with the one & only birth name I was given. This is the statement below I sent to all three credit bureaus. They continue to cause me LIBEL DEFAMATION OF CHARACTER. 


I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please delete all other addresses & names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address and name with the one above. 
15 USC 1681 a There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theConsumers right to privacy. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Product: Debt collection

Collector told me I should learn to read, never sent me any information other than they bought a debt ( I do not owe )
Product: Credit reporting or other personal consumer reports

I noticed several billing mistakes on my credit report, specifically related to late payments. These don't match my actual payment history. Please correct them and update my account. Thanks!
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 a friend sent me {$100.00}. i can't retrieve it. i have tried to change password and think it is ok but the help desk can't understand a simple request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX XX/XX/XXXX ]. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I HAD BEEN UNEMPLOYED AND CA N'T PAY THE DEBT OF MIDLAND CREDIT MANAGEMENT FOR THE XXXX DEBT.
Product: Student loan

I graduated in XX/XX/year> and have a receipt indicating that I filled out all the proper loan exiting paperwork at that time. I have double-checked with the college, and it has been confirmed by a MOHELA representative that, the college notified MOHELA at the end of XXXX of my XXXX graduation date. Yet, MOHELA did not move my loans into repayment at the end of the six-month grace period. After OVER A MONTH of trying to get this corrected, and after two different representatives claimed that they'd put in the request and that I wouldnot be penalized for the unpaid months, my loans still have not been moved into repayment. 

WHAT I'VE DONE TO RESOLVE THE ISSUE : XXXX - I tried calling, but got put on hold for over two hours just to speak to someone who could not help me and put me on hold for another XXXX  hours. I finally spoke to a representative about this issue after three hours. She admitted that this was strange and that everything had been done correctly on the college 's end, but MOHELA had not transferred me into repayment at the proper time - something that normally happens automatically. She said she put in the request for changes to be made ( my loans would be moved into repayment, and any unpaid loan payments for months after the grace period where I was not notified would be put into forbearance so I would not be penalized ), and that it should happen within XXXX days and that I would receive an email with my first payment amount and due date. 
XXXX Amidst all the holds, I sent a message via their online portal detailing my situation. 
- They responded after my call noting that I had already spoken to a representative, and therefore my issue had been resolved. 
XXXX There were still no changes to my account, so I sent another message through the MOHELA portal detailing, again, my situation, and asking for someone to help me. 
- I eventually received a response - sometime between XXXX letting me know how they move students out of deferment after a school sends information, etc. They said I should respond to the email if I wanted to make a special request to move my student loans out of deferment while I am still in school - so clearly they did not read my message. Also- they don't have a reply button for customers, so I can not respond to their emails, and I have to keep sending new messages every time. 
XXXX I emailed through the MOHELA portal again, this time under the category of " Complaints ''. 
- I still have not received a response. 
XXXX I tried calling. After XXXX hours, I finally talked to XXXX - She immediately transferred me to an advanced agent. The estimated wait time for the advanced agent was another XXXX hours and XXXX minutes. 
XXXX After XXXX more hours, I talked to someone at XXXX named XXXX who said that she couldn't see any requests put in to change my deferment, but that she put in a new request for my loans to be moved out of deferment - Request ID # XXXX. She said it should take XXXX  days for the request to go through. 
XXXX - There have still been no changes to my account, and I still have not received any actual help at all.