23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We attempted last year to get a modification and after months of stalling on Bank of America 's part they offered us a modification which was higher than our current payment. We declined after which we received numerous paperwork stating what our new payment was to be including an escrow account, which we do not want as we have never had one and handle the taxes and insurance on our own and have never had an issue. They have now paid our insurance and taxes and not credited our account with any payments towards principal and interest for the past three months. They have also reported us to the XXXX credit bureaus as having late payments even though our mortgage actually was discharged thru Chapter XXXX bankruptcy in 2008. Now they say we can not get rid of the escrow because we are " late '' on payments. Also we can not go outside of Bank of America due to the late payments appearing on our credit reports.
Product: Debt collection

We get repeated phone calls for debts that we have nothing to do with from a company called Global Receivables. I have called them multiple times and asked to be taken off the list and they have refused to stop calling us. The agents are often aggressive, nasty and use profanity. When we tell them we are not the debtor, they ask us if we know the debtor and become even more aggressive. 
I have blocked the phone number, but they just change phone numbers. I have contacted an attorney who is trying to persue a civil remedy, can you helpus with this PLEASE!!! Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.
Product: Credit reporting or other personal consumer reports

CONSUMER ID XXXX ; BANK OF AMERICA  XX/XX/year>, I DID NOT AUTHORIZE OR BENEFIT FROM THE INQUIRES LISTED. THESE ACCOUNTS ARE BEING REPORTED WITHOUT MY CONSENT, WHICH BREACHES Title 15 U.S. Code 1681b ( 2 ) ( a ). I DEMAND THEIR IMMEDIATE REMOVAL, AS THEY INFRINGE UPON MY CONSTITUTIONAL RIGHTS TO LIFE, LIBERTY, AND PURSUIT OF HAPPINESS. PROMPT ACTION IS REQUIRED TO RESOLVE THIS ISSUE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$3200.00}
Product: Debt collection

On XX/XX/2023, I received a credit monitoring alert from XXXX indicating debt collection from PROCOLLECT , INC . Their details indicate collection from XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX with service address XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. The account # with collection agency is XXXX. The account # with energy company is XXXX. This is a case of identity theft. I have never been to XXXX, TX and do not know XXXX XXXX. I need this report in order to proceed with a dispute with the collection agency and the energy company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX. I went to use my Wells Fargo XXXX XXXX last month, it was declined. No informaton on my bilt account, on my wells Fargo account it said it was temporarily locked, and to call Wells Fargo 's general number XXXX. I was then bounced from represaentetive to representetive, calling more than XXXX names without answer XXXX. I was finally told Wells Fargo was sending me a letter, which hadn't arrived yet ( but they had already locked my account ) XXXX. I never received said letter, despite verifying my address repeatdly, others online have reported the exact same experience XXXX. Finally, a Wells Fargo rep removed the block after verifying my transactions, after I had called more than XXXX times, and I used the card XXXX. In XX/XX/year>, the same thing repeated, with my account mysteriously blocked, me calling more than XXXX times etc. 
XXXX. Communication has been repeatedly highly misleading and contradictory, often transferring me to XXXX, who says they have nothing they can do, then calling Wells again from the main number and waiting on hold XXXX. XXXX refused to accept any documents via email, after I offered to verify identity, income etc. and has insisted they can not do anything till I receive this letter, but other customers have also not received letters XXXX. Wells Fargo refused to cover the fee for using a different card to pay rent, despite them being the ones charging the fee and my inability to use the card this month being due to a hold placed for no stated reason XXXX. As of now, I have called several times a day for hours a day for the past several days without resolution. 
XXXX. I have repeatedly verified my identity, hold a Wells Fargo bank account in good standing, have not changed jobs, and Wells Fargo has stated XXXX justification for locking my account.
Product: Mortgage

I have a mortgage with TCF Bank on a XXXX XXXX I own in XXXX XXXX, MI. It was sold to Huntington Bank in XX/XX/2021. Since then, I've spent 25 hours on the phone and on chat with various personnel who refuse to help provide the new account number or the way to pay the mortgage. Everyone hangs up the phone and says " not my department ''. 

I'm concerned because the XXXX XXXX 11 low income vulnerable families and if Huntington forecloses on the XXXX  they will lose their XXXX. I have never been late and my credit score is great, but Huntington Bank and their representatives have no interest in helping make this a reasonable outcome. 

I've tried working with my banker, XXXX XXXX in XXXX, MI as well as XXXX from the chat help. She created a case ID XXXX but of course, couldn't help.
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 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: Credit reporting or other personal consumer reports

I reviewed My Credit Report and I realize that Equifax reporting wrongful information on my Credit Report : 1. I have too many delinquency or derogatory 2. Too Many Inquiries last 12 Months 3. Proportion of loan balances to loan amounts is too high I just wanted to info the CFBP that, those information that above are all false on my Equifax Report.. and because of those fake information Equifax has on my report, I unable to get loan, car and etc from Financial Institutions. 

My Credit Score as of XX/XX/XXXX : XXXX Inquiries Equifax : XXXX Debit to income Ratio : Excellent One Paid of charged {$0.00} balance since XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing an account that is unlawfully on my consumer report with XXXX, XXXX and Experian. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


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

After checking all of my credit reports I've noticed some items were removed from my XXXX credit report due to the items can not be validated and there was also no proper verification being done by the credit agencies, but the items still have not been removed from the other following credit agencies XXXX and Experian. 
The following accounts as follow : XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX/ XXXX  Account # : XXXX I am writing to dispute the validity of the debt you are attempting to collect, as referenced above. I received your letter about the account being verified regarding this matter, however by law the credit agencies are required to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. After careful review of my records and the information provided, I have identified several discrepancies and inaccuracies that need to be addressed.

Firstly, I dispute the amount of the alleged debt. There seems to be a discrepancy between the amount you claim I owe and any records I have pertaining to this account. I request a detailed breakdown of the debt, including the original creditor 's name, the original account number, dates of transactions, and a comprehensive breakdown of any fees or charges that have accrued.

Secondly, I have not received any validation or verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with proper validation of the debt, including copies of the original contract or agreement, any statements or invoices related to the debt, and proof of your authority to collect this debt. By law as it states in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This means the items are required by law to be removed before the investigation is even completed which was never due by law.
Product: Debt collection

on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved
Product: Credit reporting or other personal consumer reports

The month of XXXX JPMORGAN CHASE did not pay my mortgage. I used their bill pay on my app. It has been set to automatically pay my mortgage on the XXXX of every month. However, there was some sort of malfunction and they missed paying it in XXXX, but managed to make XXXX payments in XXXX ( XXXX and XXXX ). I reached out to JPMORGAN chase in XXXX when I discovered a drop in my credit score. After several transfers from department to department a representative told me they would send a letter to me correcting the problem. Unfortunately, I never received a written letter and when I called back a few months later they said they don't send letters. This was the first lack of truth. I filed a complaint with the XXXX XXXX XXXX and someone from the " escalation " team reached out. Her name is XXXX and she sent me a letter stating there was no malfunction and no letter of acknowledgement would be sent to me. I am a XXXX  who depend on technology for my independence. I have used this function on their application for years. I find it absurd to send a letter stating there was no malfunction or they didn't send out letters. I didn't reset or create any other requests for the bill, yet it continued to pay correctly the following months of XXXX and XXXX. This is a classic example of XXXX vs XXXX. My credit health is poor due to their negligence and refusal to correct it.
Product: Checking or savings account

Wells Fargo closed my business account without notice and sent my funds with over {$3500.00} to the wrong address. All of my paperwork and forms have the correct address so an employee inputed the wrong address on my account causing domino effect of issues. 

I attempted to get Wells Fargo to correct the mistake by updating the address and resending my check. However, no person that Ive spoken to can seem to help me. They set me up with two different bankers at two different banks and neither of them could help me retrieve my missing money. They both suggested the best option was to call Customer Service. Ive spoken to over a dozen customer service representatives and I keep getting different information but no resolutions to obtaining my money. There is no set protocol because ever is giving me different answers. Now because my money is somewhere missing I have been unable to make money for my business because I am unable to buy the products and pay for the services I need to run my business weekly. I have therefore not made any money because of this in almost two weeks. I just want my money. Im nearly running out of food and options. I need my money!
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the morning of XX/XX/2021 I tried to log into my account through mobile banking. The usual option to have a 2-factor-authentacation code messaged to my phone was unavailable and I was forced to call in. Unfortunately, the phone system was unable to give me a code. I then tried to sign in through a computer which would send a code to my phone messages, but after entering it the system would instantly log me out. I then attempted to contact customer service multiple times, but the online phone system is again not working and was unable to reach a representative. I have no way of accessing my account or getting help.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to 69 % and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. COMENITY BANK/EXPRESS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCORRECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAYFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.

HAS INSURANCE BEEN FILED ON THIS ACCOUNT?

HAS A 1099C BEEN FILED ON THIS CHARGEOFF ACCOUNT? 
DO YOU HAVE ERRORS AND OMISSIONS INSURANCE?
Product: Checking or savings account

XXXX {$280.00} XXXX {$1000.00} I tried to dispute charge but the bank wouldnt allow me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX  Inquiry Date XX/XX/2021
Product: Student loan

I graduated in XX/XX/2007. I still have over 60k in student loan debt with Navient not including the private loan that they will not allow my co-signer to be released from. 
After multiple suggestion of deferment or forbearance they finally began to offer an income based repayment plan but the interest on the two federal loans had accumulated so much I still can not afford the payment. I was never able to get the help I needed and to this day I get conflicting information. My paperwork has been misplaced multiple times over the life of this loan. I hear so many negative things about this company and I am truly afraid that I will forever be haunted by this debt that could have been avoided had it not been for their unfair and deceptive practices. Ive had an inumerable amount of hardships and at no point did I find someone with to help. Most recently the govt. declared my county a disaster area but Navient still has no solutions. They have caused unnecessary hardship to my family and impacted my credit.