23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are suffering from a financial hardship and have been unable to make our mortgage payment for some months. This situation began last XXXX/XX/XX/XXXX when our vehicle was vandalized and has continued till now XX/XX/XXXX. Our vehicle was vandalized last XXXX/XXXX which made it necessary for us to rent a car for transportation, paying the majority out of pocket since our insurance only covered 30 days @ {$30.00} per day, Then XX/XX/XXXX our bank account was hacked and {$3400.00} was removed from our account, This amount represented the bulk of our income for the month and we had no way of replacing it. We have called our mortgage company, PHH, on a regular basis for some months to keep them informed of the situation we are experiencing. We have received a package from them to submit for consideration for modification or some other form of relief. We are retired senior citizens on a fixed income, my husband is a XXXX veteran.
Product: Credit reporting or other personal consumer reports

I had student loans from years ago, over time it was found and determined that the school was unaccredited ( XXXX XXXX XXXX ) and in XXXX  I applied for student loan forgiveness which was accepted and approved but now suddenly nelnet is back on my credit report with an open account, over a XXXX $ bill and activity from XXXX I am not in school and havent been for over 15 years and just when this was finally settled and gone it has repopulated and I just want these gone and cleared up and the company has been no help and Im tired of chasing my tail.. please fix this
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that are inaccurately reported : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the provided address. Pursuant to the act, there should be no fee for this updated report. Furthermore, I kindly ask that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I was the victim of identity theft and fraud. My information was phished and the thieves used my information to XXXX the last XXXX dollars to themselves and proceeded to open a personal loan in the amount of XXXX. I immediately called citibank and reported the fraud. I was told that my account would be locked and protected. During the time of the ongoing investigation my paycheck was direct deposited into the locked account. I have called several times to get help to regain access to my account as I need the money to pay bills, buy food, and get gasoline so that I can go to work. I have XXXX small children and a sick wife and I can not go on without my money. When I call into CitiBank to explain my situation and get some help I get told misleading information. I was told to go to a physical branch and they could resolve my case. I drove two and a half hours to the nearest branch and was told that there was nothing they could do for me. I called for an update on my case as I have received no information or updates and was bounced around from wrong department to wrong department and eventually hung up on. I have clearly explained my situation to every person I spoke to and yet it seems as if there are no notes on my case being recorded and no action taken to resolve my issue so that I can have my earned money. They are holding my money hostagXXXX and refuse to offer me any solutions or help. Being ignored, and given false information and not being able to access money that is mine has left me struggling and XXXX. There should be an easy solution to my problem. I've done everything they've asked, I've provided them with a great deal of detailed information and yet there is no communication from CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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.
Product: Credit reporting

Dear CFPB : This matter is very time sensitive. Equifax erroneously reported to XXXX party XXXX that my wife and I had a 90-day late on our home loans in XX/XX/XXXX. That is impossible. We completed a successful short sale with XXXX on XX/XX/XXXX. XXXX was contacted. They completed an investigation and confirmed that they reported correctly to Equifax. Equifax made the error. As a result, our FICO score has been affected and moreover, we are unable to buy the home that we want to purchase and raise our son in. 

Countless hours have been invested trying to ascertain who reported an erroneous late in XX/XX/XXXX. Equifax is the culprit. 

Attached is a recent letter from XXXX confirming that we were never late in XX/XX/XXXX and all debt was settled in XX/XX/XXXX.
Product: Mortgage

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. As of today, Ocwen reps do not have and have not resolved the original appeal. Failed to take into account that I followed instructions. Cant find the {$200.00} check I sent for the internal review. Has not addressed this letter and the rep does not even know about this letter. Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXX RE Loss Mitigation-Loan # Last 4 digits Sirs : I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen MondayXX/XX/XXXX, XX/XX/XXXX.
The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. I do inhabit the home in XXXX. Please reset my call with Ocwen and my relationship manager to discuss these items. This information is true and accurate to the best of my ability.
Product: Checking or savings account

I receive my dispute denial documents for disputes XXXX Denial reason was as stated " Dispute is invalid as prior undisputed transaction were detected for this merchant .These transactions will not be counted as a fraud activity. So, this claim has no charge back rights Pre dispute services request i have dispute the remaining cashapp transfer and related activity so my fraud claim can be processed and handle correctly. 

I've submitted XXXX account statements Policereport Documents Ohio unemployment Reliacard account activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section XXXX. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX  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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey My name is XXXX XXXX XXXX and on XX/XX/2021 I sent in a dispute with TransUnion. is has been well over 30 days and I have yet to receive my reinvestigation results. at this point, I feel that I am being taken advantage of this especially by them reporting these items it's making it hard for me to obtain credit. I am trying t buy a home and TransUnion not doing their jobs it's making the process hard on me. I'm really to the point where I'm looking to file a suit against this company. I am asking that you guys please resolve this issue ASAP.
Product: Debt collection

I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month combat XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX  who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from the XXXX XXXX XXXX XXXX for {$1400.00}, the XXXX hasn't even validated nor responded to my initial dispute from XX/XX/XXXX 2017. As you can see, they won't respond to the XXXX XXXX XXXX  of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Product: Money transfers

This guy promised to give me my items for XXXX XXXX. I gave him the money, waited a few days for the items to come. I never receive anything, its been like 6 days and he has n't sent me any items of any sorts ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to all 3 major consumer reporting agencies. 

Equifax XXXX XXXX The accounts and inquiries in question are below. 

Equifax specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax 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

Subject : Request to Remove Inaccurate Late Payment from Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint to dispute an inaccurate late payment reported on my credit report by VW Credit. This information is incorrect, and I am requesting its removal based on the following : XXXX. Inaccurate Late Payment Reporting : The late payment reported by VW Credit is incorrect. The account is current, and the delay reported was caused by an issue outside of my control, such as a system error or mail delay. 
XXXX. Fair Credit Reporting Act ( FCRA ) Violation : According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), credit reporting agencies and furnishers of information ( such as creditors ) are required to conduct a reasonable investigation of disputed items. Under this law, they must ensure that only accurate and verifiable information remains on consumer credit reports.

Inaccurate information must be removed or corrected within a reasonable time. Therefore, I am formally requesting that this inaccurate late payment be removed in compliance with the FCRA. 
XXXX. Proof of On Contact : Despite contacting VW Credit, the incorrect information remains on my credit report. 
XXXX. Negative Impact on Credit : This erroneous late payment is unjustly harming my credit score. I have a long history of responsible financial behavior with many creditors including VW Credit and have consistently paid my bills on time. This is not a reflection of Given the FCRAs mandate to report only accurate information, I kindly request that this late payment be removed from my credit report.

Attachments : Previous correspondence with the creditor, and certified mail copy.

Thank you for your assistance in investigating and resolving this matter. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 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, 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: Checking or savings account

Through my wife and my joint account with Chase bank, we are being hit relentlessly with insufficient fund fees, which has caused mortgage payments to be missed and further late fees associated with paying our mortgage. We get charged by our mortgage company every day our mortgage is paid late. I paid a mortgage payment today and had to pay an extra {$100.00} for late fees with them. It is becoming increasingly hard to catch up as Chase continues to take {$34.00} insufficient fees out of our account, leaving us constantly overdrawn. 

In the first 10 days of XXXX already, Chase has taken out {$340.00} in insufficient fees ( see attached download from Chase bank joint checking account ) In XXXX, insufficient fees were {$2100.00} and in XXXX, {$1000.00}.
Product: Debt collection

In XXXX I was late paying my phone bill and as a result my bill was tuned off. The phone company XXXX XXXX XXXX never informed me that thy were sending me to a collection agency nor did the collection agency, Enhanced Recovery Company, ever contact me. I only discovered it was sent to collections when pulling up my credit report. I paid it off. Also, after paying they have reported this account has not been paid in full which is inaccurate. My dispute is with notification with XXXX XXXX XXXX and ERC and the false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a debt on my credit report that was removed and has now reappeared under new company ( National Credit Adjusters ) listing as an account that was opened in XXXX. THIS IS FALSE!!!! I did not open an account with them at all or in XXXX. Im in the middle of the mortgage loan process ( collection was added after process started ) and this incorrect information is ruining my credit score!!! Disputed this with the CRAs but NO response on resolution. This is account was not there when I applied for a mortgage loan on XX/XX/2020 so how was it opened in XX/XX/2020 but not reported by end of XXXX???? Reporting false data they is ILLEGAL!!!