23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a member of the Air Force Reserves and started a mortgage loan on XX/XX/XXXX, while not in military status, for the purchase of my home and my interest rate was a 6.75 %. On XX/XX/XXXX, I was activated into active military status for the reserves. On XX/XX/XXXX, I notified Newrez that I had been on military orders and was requesting my rights under the Servicemember 's Civil Relief Act ( SCRA ) to have my interest rate adjusted to 6 %. I also sent via email all the documents needed ( military orders, etc. ) as well as PDF 's of the XXXX, hyperlink to the justice.gov page and the sections that apply to myself. I was told on the phone that my rate would be adjusted in XXXX days and to call back if it wasn't. Weeks later my rate had not changed, so I called Newrez and the representative told me I could not talk to the office that deals with the adjustment and they only accept postage mail. On XX/XX/XXXX, I received a letter denying my request for rate adjustment, they stated that I need to be on active status for 30 days. That is a requirement for the National Guard, not the Reserve components since we are federal. I was told they would not accept any response through the website, email, fax or phone. Regular mail was the only option to communicate. On XX/XX/XXXX, after getting reassured by my JAG, I mailed my response showing I am eligible for my rights under the SCRA and that I am not a National Guard member. On XX/XX/XXXX, i received another denial letter. This one stated that my request is denied because I was already active duty when the loan was originated. It has been very clear that I was not in active status on the day the loan started since my orders I sent are for a month later. It's ridiculous that this company is refusing my rights and protections under the SCRA and is purposely making this entire process take as long as possible. Its the year XXXX and your telling me that the only way to communicate for a interest rate reduction is through the postal service! It has been 4 months of this company trying to figure out a way to not honor a federal act. Any of my response letters I send through the mail, I always send to their email address as well, but I have never received a response email or phone call from Newrez.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX was paid and they are reporting that I have missed Multiple payments I have try to resolve this Multiple times with them and the last person I talked to said someone From accounting would contact me within 24 to 48 hours and they have not they said they were going to have them contact me because their math makes no sense and when I call the Automated payment line it says that I do not have a bill due till XX/XX/XXXX but yet on my report it says Im Multiple months behind and they will not fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 2 pages of the PDF evidence can be disregarded. They go to the XXXX XXXX complaint. 
I contacted Experian credit bureau for months attempting to get them to correct my file regarding the XXXX XXXX account. Although they acted like they were going to do something, in the end they not only refused to change it, but told me they wont allow me to attempt to dispute it any further. 
I sent them copies of the pending court case which was enough for XXXX to remove it, but not good enough for Experian. So instead of reporting it as on litigation hold like were supposed to by law, they showed missed payments and finally a charge-off before it even went to court since they kept sending me continuances until their attorney sent me a fake continuance which the court decided was fine by them and the BAR Assoc. didnt believe it was done on purpose.

So it is still affecting my credit score and still unresolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The accounts and public records in question are as follows 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 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 reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXXlance {$15000.00}, XXXX XXXX balance {$12000.00}, XXXX XXXX balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 






Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect NAME : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, RE 3. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an XXXX and XXXX XXXX  through Bridget. After my bank account was closed I had an advance due and my XXXX XXXX payments. I emailed their customer service over and over and over trying to get them to help me link a different account to pay what was owed. They refused to help and offered no solutions. Only emailing me numerous times about the situation. I responded each time and they still would not assist me. They have reported late payments on my Credit and damaged my credit after I reached out about taking an alternate account many times.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY TH
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )
Product: Checking or savings account

I bank with Calitol one, the direct deposit that my employer paid to them has not been made available.
Product: Credit card or prepaid card

My credit score has suffered significant damage due to an error made by Bank of America. 


I called Bank of America in XX/XX/2021 to close all of my accounts with them. The representative I spoke with told me everything would be closed and my accounts would no longer exist. 


Over the next few months, I received scattered emails from Bank of America about my account statements, saying I had a balance of " {$0.00} '' or things to that effect. Since my conversation with the Bank of America XXXX representative had reassured me that my accounts were closed, I interpreted these emails as confirmation that the account closure was complete and that I'd fall out of their automated messaging system shortly. 


In XX/XX/2021, I received a letter from Bank of America 's collections department telling me that I owed them {$170.00}. A call to their collections department revealed the actual balance was on the credit card account which I was told had been closed, and amounted to {$210.00} ( from a balance of {$100.00}, with {$100.00} in fees and interest ). 


I was shocked to find this out- for 9 months, I had thought my accounts had been closed. I explained this to a Bank of America representative at the Collections department, who connected me to someone from the Fraud department, who in turn stated that she would close my account and start an investigation into whether the charges are fraudulent. 


A few days later, I was notified by my new bank that my credit score had dropped into the 650s ( previously it had been over 800 ). The reason for this drop was a new " serious delinquency. '' The timing for all of this could not be worse as my family is in the process of moving and I will need to apply for a new mortgage soon. 


Regardless of where they originated from, these charges and the subsequent damage to my credit score are the result of an error made by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion that is effecting my credit report please delete all items listed that are hurting my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXXXXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , a dispute letter to the   XXXX   credit reporting agency was sent to validate the accuracy of a bankruptcy and    XXXX    ju dgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court . When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /   2017  and  XXXX  received the dispute on  XXXX  2017. On    XXXX  2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased and paid in full a pair of pants from the company XXXX XXXX, order XXXX, placed on XX/XX/XXXX, for {$260.00}. I received the pants in late XXXX and decided to return them to the merchant. The merchant approved the refund and issued the refund, in the amount of {$220.00}, back to my original form of payment, which was Affirm. The card I used to make payments to affirm, ending in XXXX, had been compromised late XXXX and I received a new card. Affirm is actually culpable in my information being compromised, but thats not my complaint. My complaint is that I havent received my refund, even though the new card has been added. They refuse to respond and provide me MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. I never attended XXXX XXXX in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is posting incorrect information. XXXX XXXX XXXX filed a lawsuit, I obtained a lawyer and it was settled XX/XX/XXXX. Experian falsely is posting on my credit report I owe a balance. I have contacted them, provided a picture showing it was settled. They refuse to remove. I contacted XXXX XXXX XXXX per the court record and they said they sent official notification on XX/XX/XXXX it was settled, and was sent to ALL THREE credit reporting agencies. XXXX and XXXX are reporting correctly. I contacted Experian with this information provided by XXXX XXXX XXXX LAWYER and they said they didn't receive the legal document. XXXX XXXX sent it again XX/XX/XXXX, and Experian is still failing to report it correctly on my account. This is affecting my credit score and ability to purchase a house. They are also reporting I over XXXX, and I actually owe XXXX. They are not keeping up to date with their postings, and I think it is a conflict of interest, and a probable cause, because they are selling personal loans and credit cards on their site. This should not be allowed. Please fine them and implement policies towards this credit reporting agency. Because they are manipulating scores to sell their products. They need to be investigated, sued and compensation given to those affected by their manipulation of OUR credit scores.
Product: Debt collection

Issue with : AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX They are calling me about a debt with XXXX communications that isnt valid. I called XXXX and my balance is XXXX. They keep calling and havent validated the debt. One of their employees lied to me and said they are a XXXX  employee but when I called XXXX I was informed this wasnt true. I am ready to file a lawsuit.
Product: Debt collection

Upon checking my credit report XXXX has my account reported as deceased my whole credit profile has been comprised with information and accounts that do not belong to me please verify that this is account belongs to me.