23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a XXXX XXXX backed mortgage, serviced by XXXX and underwritten by XXXX XXXX XXXX. 
Nearly a year ago I suffered a job loss and contacted XXXX as to my options. 
XXXX put me on a forbearance plan and referred me to XXXX XXXX counselors for a work out. 
I made initial payments to XXXX but was later unable to reach them and was led to believe they were no longer in business. 
Every step of the way from day one I have done as instructed by XXXX or XXXX and as I have committed to. 
XXXX on the other hand has routinely and consistently mislead or lied to me about the process, next steps or actions that they have taken to remedy my loan. I have pages of supporting, written documentation. 
I regularly receive intent to foreclose notices while on a payment plan. 
I am put on a payment plan only to be notified the following month XXXX has rejected the plan I have already paid in too - TWICE. 
I make payments with a confirmation number only to learn the payment was not processed nor was I ever called / informed of any issue. 
I routinely ask to be transferred to a supervisor and am either disconnected, put on hold never to be picked up on or told that I would receive a phone call and never have them call me. 
The actions of XXXX have been unfair and deceptive. The result has been for my credit to negatively impacted and threatened with the loss of my home. 
I am in the process of filing formal complaints with XXXX XXXX and XXXX XXXX. 
Any help or guidance as to my legal protections would be greatly appreciated. 
In addition, I would like to find out who has governance over XXXX so that I may file a formal complaint with them as well. 
XXXXs unfair and deceptive practices have most certainly caused the loss of homeownership for many others. I want to work to stop this operation from ruining other lives. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a retired XXXX XXXX member now living in the XXXX. I tried to use a credit transfer service provided by Navy Federal ( in the US ) to help with my XXXX XXXX XXXX ( in the XXXX ) account, but it didn't work. This was over 2 yeas ago now. I have been in contact with all the financial centers involved, but have gotten no where. I asked for {$5500.00} ( which was charged to my NFCU Visa card ) to help clear some debit on my XXXX XXXX XXXX XXXX. NFCU sent a check to XXXX XXXX US which I do not have an account with. The check was deposited, but XXXX XXXX US can not help me as I am not a member and do not have an account with them. NFCU stated ( after the fact ) that they do not do credit transfers over seas, but part of the form I filled out requests the card number in question. The fact that XXXX US doesn't have an account in my name or that matches the card number provided questions why and where they have deposited my funds? XXXX XXXX XXXX have informed me that they have no notifications to say that funds are due to arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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. 
XXXX  Account # XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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 am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining Inaccurate Personal Information. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any item listed below. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX
Product: Debt collection

Praxis Financial solutions is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card or prepaid card

This complaint regards to the business credit account ending XXXX with the U.S. Bank. This account has been closed by the bank in XX/XX/2019. I have finished the spending requirement to get the signing up bonus points before the closure. I also received a statements after the closure, showing that there are XXXX " Flexpoints '' in my account. I called the bank and was declined access to those points. The Flexpoint is worth XXXX cent per point if redeemed against traveling charge on the card, according to the bank 's rewards term. The bank should unfreeze XXXX points or issue me a check in the value of those points.
Product: Credit card

I started to XXXX XXXX that I went to another phone company therefore I was never using any of the phone service. They still charged my automatic billing and refused to refund me and Citi card didn't make it any better. I told Citi the same issue and they still favored XXXX and reversed the charge. They are the worse at these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security alert was made fraudulently on my ChexSystems Consumer report, XXXX, XXXX, and XXXX. Im pretty sure theres more. I need to get control of my identity again.
Product: Credit reporting or other personal consumer reports

This debt is not old by me. This is not my collection. I have never had a XXXX XXXX  cell phone account. I called XXXX XXXX told me once I gave them my Social Security number that they do not have a Social Security number on file at all for me that past due or current For a cell phone service I have not had ever XXXX XXXX XXXX. I do not have any contract for XXXX XXXX with my signature on it nor do I have a contract with XXXX XXXX XXXX XXXX and I have never had a contract with XXXX XXXX XXXX please remove this. It is not my collection
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Deletion of XXXX XXXX XXXX XXXX Account Dear Experian Dispute Department, I am writing to formally request the removal of the following account from my Experian credit report : Account Details : Creditor Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$50000.00} Status : Open, {$990.00} past due as of XX/XX/XXXX Original Balance : {$49000.00} Comments : Completed investigation of FCRA dispute consumer disagrees This account is inaccurately reported and does not reflect my current financial obligations. I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. 

Additionally, the recent CFPB lawsuit against Experian ( filed XX/XX/XXXX ) emphasizes the legal requirement for Experian to properly handle disputes and ensure the accuracy of consumer credit reports. 

Requested Action : XXXX. Delete the XXXX XXXX XXXX XXXX account from my Experian credit report. 
XXXX. Provide me with an updated copy of my credit report reflecting this change. 
XXXX. Cease reporting this account to any third parties. 

Please conduct a proper reinvestigation and correct this issue. If this request is not honored, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

I expect a written response within 4 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX updated my credit file with Equifax and XXXX that XX/XX/2023 was late. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

Under 15 USC 1681 section 604a section 2 also states consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I noticed an account from WF in my credit report on XX/XX/XXXX. The account is a charge off account opened in XX/XX/XXXX that doesn't belong to me. I file the dispute with XXXX  and XXXX  in XX/XX/XXXX and I got the response on XX/XX/XXXX as verify, they didn't make any change on the account. Then on XX/XX/XXXX I submitted another dispute letter to XXXX  and XXXX  along with my USA passport, Social Security card, driver license and current bill showing my address and name asking not only to remove the account that in no mine but to correct my name that appear with a middle initial that I do not have and I did receive the response from the two companies, XXXX  and XXXX  in XX/XX/XXXX and XX/XX/XXXX with the same response that I have in the first request, account update and no changes made. 

For this reason I am appealing to you to ask for the investigation of this account in my credit report that is affecting my integrity : Account name : Wells Fargo Date Opened : XXXX Charge Off amount : {$4300.00} Charge off date : XXXX
Product: Debt collection

I have no contract with this creditor, nor do I have any knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/ Status Paid, Closed. 
Status updated XX/XX/ Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it
Product: Vehicle loan or lease

XXXX Is my old case number you guys closed my case because credit acceptance lied and said it was fraud when it clearly wasnt fraud I need help because if they lied that tells you something is wrong with this company I literally uploaded out contract how could I have been fraud we
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Inquiry XX/XX/2018 I am in the process of purchasing a new home where I recently obtained a copy of my credit report. I noticed there are some inquires which I did not authorize. I contacted most of the companies directly, there was a lot, I am not sure where this is stemming from, and they educated me to contact the agency reporting the information as there was nothing they could do. I contacted the reporting agencies, I was advised to maintain a police report, I got a police report from my local police station ( The officer was a bit confused but provided the information nonetheless ). I contacted the agency reporting the information " Transunion '' again and was told to contact the company again. The following inquiries were not authorized by me and needs to be removed immediately. according to my records I have not provided the above accounts to obtain my credit report. If you have my signature in writing displaying where I did, please forward that information over to me. My mortgage lender also educated me to explain that I do not need ANY fraud alerts placed on my account as they will pull my credit periodically to verify information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an email from XXXX XXXX XXXX  XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

TransUnion closed my initial request asking them to remove the inquiry and said it will be on my credit report for 2 years. I am attaching proof and a letter from XXXX XXXX to expedite this and remove it immediatrly
Product: Credit card

I signed up for an XXXX credit card. It is handled by Comenity Bank. Their online site shows the balance. When I pay balance, I end up with some residual fee for service fees and it never gets paid off. Then they start charging for paper statements, which I never agreed to. Then they charge a minimum service fee for that. And if you do not pay that, they charge you a late fee. They will always continually charge you with some residual fees and you can never pay this off. 

They would not work with me and tell me I have to pay this extra service fee to pay it off or get more fees assigned to my account. 

I finally had to close it which will negatively affect my credit score and something needs to be done about Comenity bank.
Product: Debt collection

I have no legal binding accounts with this company so I asked them To not contact me or report on my credit
Product: Credit card or prepaid card

Hello, I used a Citi issued prepaid card at a Citi ATM at the Citibank located at XXXX in XXXX, IL. 

I needed {$1800.00}, however, I did not know the daily limits on my card. I requested a {$1000.00} and the transaction went through. Then I requested {$800.00}. That transaction went through as well. I received XXXX receipts for {$800.00} and {$1000.00} debits to my prepaid card balance. I started counting the money to realize that I only got {$500.00} each time. Citi shorted me {$500.00} for the first transaction and {$300.00} for the second. I took the XXXX stacks of bills and the receipts and immediately went into the branch. They refused to review my transactions, did not count the money I got, and told me to call the number on the back of the card. This is a Citi card! They did not attempt to balance the ATM either. They said the Citi card I had is not issued by the retail side of Citi, and they do not service the drive-through ATMs - which are physically under one roof with them. That is serviced by yet another 3rd party. They called the prepaid card to see if indeed they debited the {$1800.00} as was stated on the receipts and confirmed that they did! At that point I am talking to an assistant branch manager and the branch manager who clearly do not want to do anything. They did not file a report, count the cash. They did nothing. The assistant branch manager pulled out a couple of binders and tried to read some procedure, then she just closed the binder. 

The branch manager also stated that I claim ( claim!!! ) that I gotten {$500.00} each time. The transactions happened minutes before this conversation. I offered for them to search me and my car as there was no time to have hidden the money anywhere else. 

No one apologized even once! They treated me like it was my fault, especially the manager himself. No one once assured me not to worry and that they have means to reconcile these transactions. Not once! 

I called the number on the back of the card. They indicated that they will provide me with the dispute form and they expect to be able to find the money, however, the process will take 45-60 days. What if I need the funds sooner? Now? There was no  concern about any potential hardship for me. It was an unbelievable experience.
Product: Debt collection

Received from Trident Asset Management, LLC XXXX XXXX XXXX XXXX GA XXXX. Account # XXXX a collection letter stating they purchased from another collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX a former XXXX bill of mine dated XX/XX/XXXX 

I have written back to them stating this bill has long been paid directly to XXXX and as a matter of fact I currently have service with XXXX. Anyone who has ever had service with XXXX knows that you can not get new service without paying any previous service in full. I don't know where these companies are getting their information since I have never known XXXX to use an outside source to collect debts.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX and I have been dealing with this Discover Bank issue for months to no avail. I am trying to go for a mortgage loan and Discover is just deliberating bashing my credit score while I have been a customer for over 3 years. I need the CFPB help pertaining to this issue. Please see the attached document posted below.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XXXX - {$0.00} Fraudulent Inquiries : 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 reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$430.00} 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  GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Us Auto finance went out of business and Westlake portfolio management failed to provide a debt validation as requested, the car was repossessed with false paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account XXXX open end consumer credit plan as late for purpose.