23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was suffering from financial hardship and was seeking assistance and then hurricane irma hit and we were in a FEMA declared disaster zone. I understood that Bank of America would be providing disaster loan modifications for those impacted. I was on the disaster forbearance but they did not do the disaster modification as I was told. I had to apply for standard assistance. 

I did and there was some mix up until finally on XX/XX/18 after finding out they had not reviewed me even though I sent in an updated application on XX/XX/18. I spoke to a very helpful supervisor " XXXX XXXX '' who took the time to look at my file and found out what the problem was. I had to resubmit with the correct address information so I did and was encouraged as I would finally be getting help As a XXXX military veteran I also was seeking SCRA protection from the upcoming XX/XX/18 foreclosure sale date and have not received it to this day. 

Everything seemed to be going well and I was able to have a complete assistance package and was submitted to the underwriter and on XX/XX/18 was told they were postponing the sale as Bank of America does not practice dual tracking then a borrower has a complete package as they have always done they post pone the sale date to allow time to review. 

Days went by and still the sale had not been postponed. On XX/XX/18 after 2 other escalations my customer relations manager submitted another post ponement. 

I was told an assured by many representatives that once I had a complete package the sale would be placed on hold. I had no reason to doubt because that was the practice ever since the DOJ mortgage settlement restricting dual tracking. 

I am submitting this complaint as Bank of America has defaulted on their commitment made by it's own representatives.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification. On XXXX XXXX, 2024, I mailed a dispute letter to Experian and in my dispute letter, I requested detailed information on how Experian verified the accuracy of the disputed items on my credit report. Specifically, I asked for The date they contacted the creditor and furnisher, The contact information of the creditors and furnisher, The name of the person who verified the disputed items, The method of communication used to conduct the investigation, and Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 

Additionally, I reached out to XXXX, which is the furnisher of public records. XXXX has no record of bankruptcy on my consumer report ( Consumer Number XXXX, Case Number XXXX ). This raises significant concerns about how Experian verified the accuracy of the bankruptcy record reported on my credit report I received a response back from Experian dated XXXX XXXX, 2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Experian 's refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Experian, along with Experians response as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in an Identity Theft Affidavit to Transunion regarding unauthorized and unverified inquiries on my credit per my XXXX advising me to do so. 

I called the Transunion fraud department a week later and the rep confirmed they had received the report and was going to mark the inquiries as fraudulent. Then he proceeded to tell my the inquiries would be off of my credit report within 24 hours. Here we are on XX/XX/XXXX and these unauthorized inquiries are still showing on my credit report.

According to the Fair Credit Reporting Act, Transunion is in violation of the law as unauthorized/unverified items MUST be removed!

I called into the fraud department again yesterday on XX/XX/XXXX and they continue to violate the law with their reporting inaccuracies. 

I told the fraud department that we will pursue legal action if this wasn't handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  just called me and said their 3rd party to this so info is incorrect and should be deleted thanks
Product: Credit reporting or other personal consumer reports

If, after any reinvestigation after paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I sent out validation letters to XXXX credit bureaus ( XXXX XXXX TransUnion ) to verify the following accounts below. The credit bureaus VERIFIED INACURATE DATA. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX 'Date Reported " is inaccurate XXXX reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by TransUnion due to these inaccuracies but XXXX & XXXX have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on XXXX bureaus XXXX reports : XX/XX/XXXX XXXX reports XXXX XXXX TransUnion reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. Account : XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on XXXX Bureaus XXXX reports : XXXX XXXX reports : XXXX TransUnion reports : XX/XX/XXXX - 'High Balance ' is inaccurate on XXXX Bureaus XXXX reports : {$0.00} XXXX reports XXXX {$520.00} TransUnion reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Product: Vehicle loan or lease

I had a car loan with US Auto Sales since XXXX but in XXXX my loan was transferred to a debt collection company known as Westlake Portfolio Management. I thought I had defaulted on my payments, but it was just because the company went out of business. The debt collection company told me that I still owe the full balance on my car, even after making a year worth of payments already. They told me that they do not have access to nor will they honor the gap contract from my previous car loan servicer US Auto Sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX Date Updated :XX/XX/XXXX
Product: Credit reporting

A debt collector by the name of XXXX. Is trying to get {$190.00} for a XXXX accoung I have never had. I have not dealt or had business with XXXX in over 10 years and even then never owed or received a bill for {$190.00} ...
Product: Debt collection

I am submitting this complaint regarding wage garnishment by Slovin & Associates and their repeated failure to respond to my attempts to resolve the matter. I have made three documented attempts to contact the company to negotiate a settlement or alternative arrangement, but they have not responded. The ongoing garnishment is causing severe financial hardship for my family. 
Key Details : Total Garnished to Date : {$1600.00} {$1200.00} garnished previously. 
{$400.00} garnished recently. 
Dates of My Attempts to Contact : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> First date of contact : XX/XX/year> via phone call to get a settlement offer. 
Second attempt : XX/XX/year> via email with Garnishment letter. 
Third attempt : XXXX via email with Garnishment letter. 
Fourth and final attempt : XX/XX/year> via email with Garnishment letter and phone call. 
Company Response : None. 

The garnishment is creating an unsustainable financial burden. Below is a breakdown of my monthly expenses : Rent : $ XXXX. 
Utilities : {$300.00} $ XXXX. 
Childcare : $ XXXX. 
Health Insurance : {$190.00} per pay period ( $ XXXX based on bi-monthly pay ). 

These essential expenses total approximately {$2000.00} $ XXXX, leaving little room to cover garnished amounts. This has affected my ability to pay for necessities, including rent, utilities, childcare, and medical expenses for my family. 

I have contacted Slovin & Associates multiple times to propose a settlement offer of {$370.00} ( the difference between {$2000.00} and the {$1600.00} already garnished ). I have provided all requested documentation and explained my financial hardship, but the company has failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is horrible this credit reporting agency Im a victim of fraud they have my ftc report they sent me by mail the dispute results showing deleted but the inqueires are still reporting their system sucks when I call To Complain they do Nothing to have it updated and removed from My report correctly
Product: Debt collection

Dear CFPB Team, I was a victim of identity theft in XX/XX/XXXX. I obtained a police report. I received phone calls from Apple about a Apple Credit Card which I reported to Apple on about XX/XX/XXXX this was a fraudulent account. Apple turned this over to collections. 

Goldman Sachs which is the financial institution that administers this credit card throughout the month of  XX/XX/XXXX and XX/XX/XXXX continued to make collection calls on a known fraudulent account after told to stop. My credit report had a negative finding of this outstanding account. After contacting Goldman Sacks corporate and going through numerous barriers it was removed but there are still references of Apple and Goldman Sachs on this account. They never had my permission to call my cell and continued to call after told to stop and informed this was a fraudulent account. 

Please note both Apple and Goldman Sachs agents refused to provide documentation of this fraudulent account in order to add it to my police report.

Attached is the police report, verification my cell is on the Do Not Call Registry, call log, and redacted credit report.
Product: Credit reporting or other personal consumer reports

Yesterday I seen a XXXX account on my credit report so I called them they asked me to fill out a fraud report I did and I disputed it with Experian and today they emailed me saying it was fixed but it wasnt
Product: Checking or savings account

XXXX has many negative reviews when XXXX  The past 3 months they don't remove pending charges in 30 days or less and nobody can send me that in writing. Last month XXXX at the XXXX in XXXX where I started XXXX account had to manually remove a hold that was almost {$400.00} from XXXX XXXX that accidentally overcharged me twice. If not for her help it would still be on there. Each time I called the rep was ignorant and ghetto, and hung up on me or put me on forever hold when I asked for a supervisor because they couldn't assist me. Then, I've waited almost 2 months for doublecharges from XXXXXXXX XXXX TO FALL OFF. XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ALL HAVE POSTED AND THESE DOUBLE HOLD SHOULD HAVE FALLEN OFF A LONG TIME AGO. SINCE THEY HAVENT, MY ACCOUNT WAS CHARGED {$50.00} FOR OVWRDRAFT WHEN I HAVE PROOF I WAS ENROLLED IN THEIR " OVERDRAFT PROTECTION '' PROGRAM. 

IF THE HOLDS PENDING WERE REMOVED IN A TIMELY MANNER LIKE OTHER BANKS CHASE, XXXX XXXX, XXXX XXXX XXXXXXXX, THE 30 DAY PERIOD TO FALL OFF LIKE XXXX TOLD ME HAD PASSED. 

THE XXXXXXXX XXXX CHARGE WAS XX/XX/XXXX, AND IF XXXX HOLDS XXXX PENDING I WOULDNT HAVE BEEN OVERDRAFTED. SO THEY OWE ME {$100.00} FOR THE PENDING CHARGES FROM XXXX EATS THAT POSTED ON THE DATES SHOWN AND IM.BEING DOUBLE CHARGED AND DONT HAVE ACCESS TO MY FUNDS FOR MONTHS!!! 

THEY ARE PREDATORY MAKING MONEY OFF LESS EDUCATED AND POOR PEOPLE WHO DONT KNOW ANY BETTER BECAUSE XXXX NEVER HAD A REAL BANK ACCOUNT!!! I USED TO WORK AT A BANK AND THIS IS HIGHLY ILLEGAL AND THWY NEED TO BE SHUT DOWN!! THEY OWE ME THE {$50.00} OVERDRAFT FEE AND XXXX CHARGES STILL PENDING SINCE XX/XX/XXXX!!! ABOUT 2 MONTHS THEYVE BEEN HOLDING MY FUNDS XXXX AND XXXX TIRED OF GETTING NO HELP!!! THESE FRAUDS DONT CARE AND NOW I HAVE TO CHANGE MY MONTHLY SOCIAL SECURITY XXXX XXXX ANOTHER INSTITUTION AND THAT WILL MEAN I WONT HAVE ACCESS TONMY XXXX PAYMENTS FOR 2 MONTHS AND THATS NOT GOING TO WORK!!! I WILL ALSO POST REVIEWS ON SOCIAL MEDIA TO WARN OTHERS. SCUMBAGS NEED TO BE SHUT DOWN! THEY KEEP SENDING GENERIC EMAILS AND OBVIOUSLY XXXX DOESNT HAVE TIME OR WANT TO FIX IT BECAUSE I EMAILED HER ON XXXX  AND NOTHING HAA BEEN RESOLVED!!
Product: Debt collection

This month, XX/XX/2018, a Medical Debt Collection Account by South Mississippi Collection Services , INC posted to my Credit Reports. My credit report shows that this Collection Account was opened in XX/XX/2018 with a late amount of {$64.00}. Per the Fair Debt Collection Practices Act ( FDCPA ), I WAS NOT notified of this debt to allow me to dispute its accuracy. By my LAWFUL RIGHTS, I am requesting a DEBT VALIDATION of this Collection Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, XXXX is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, XXXX is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, XXXX is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel these accounts are affecting my credit report. 
Here are the items I am asking you to verify as accurate : 1. XXXX XXXX account ending in XXXX correct balance is {$150.00} XXXX. XXXX  XXXX account ending in XXXX correct balance is {$52.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$130.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$22.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$230.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$320.00} XXXX. XXXX account ending in XXXX correct balance is {$520.00} XXXX. XXXX account ending in XXXX correct balance is {$54.00} XXXX. XXXX account ending in XXXX correct balance is {$90.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$200.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$420.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$270.00} XXXX XXXX  XXXX account ending in XXXX correct balance is {$72.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$41.00} Please check the account balance and correct information on my credit report. As this information on my credit is causing a big impact on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit file. I Have recently received a copy of my XXXX, XXXX and Transunion credit reports. The credit reports are STILL showing inquiries that I DO NOT HAVE A OPEN ACCOUNT WITH, and unauthorized. Pursuant to 15 USC 1681 Any inquiries that I DO NOT have a open account with must be removed. This Law also states that for every unauthorized inquiry, by law I am entitled to XXXX per violation. Remove these inquiries immediately, for they are harming me and they are making it extremely difficult for me to acquire credit. I have disputed ALL of these items more once, this is my last attempt to settle this matter. The FCRA also states that the only permissible purpose for pulling someones credit is for A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissable : XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXXXXXX NA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK NA XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries immediatley.
Product: Credit card or prepaid card

I submitted a small business credit card application with Chase after they solicited me with an offer. I have uploaded documents directly from the California Secretary of State proving my business address. I have also uploaded documents from my tax return showing my business 's XXXX. These are electronic documents and not scans. Despite this, Chase states, " Unfortunately, we were unable to use them because they were illegible, expired or did not otherwise meet our requirements. '' This response from Chase is unclear. The docs are pristine. They are from a government agency and my tax records so should meet requirements. They are also from the past month so timely. 

I am not sure what to do and feel like the process at Chase is misleading or needs improvement to clarify. I'm sure Chase would like a better client experience, too.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : $ XXXX Collection Inquiry : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX  XXXX XXXX. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} According to FCRA Section 605B ( a ) , the 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.