23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the persistent failure to remove inaccurate items from my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence supporting my claims of inaccuracies. Nevertheless, your organization 's repeated failures to correct these errors are causing significant harm to my creditworthiness and financial stability. 

It is essential to highlight that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies like yours are required to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and correct the inaccuracies on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness. 
Removal of any derogatory or inaccurate information from my credit report. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Kindly assist me to delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXL XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I called Rocket Mortgage on XX/XX/21 to exit my forbearance which was set to end on XX/XX/21 .I immediately asked for Covid 19 Recovery modification. After being put on a brief hold I was told I qualified for a partial claim but not a modification. I asked the rep why I did not qualify for the modification which was supposed to help reduce p/I by 25 % .The rep said I didn't qualify, she didn't know why and she was sorry it wasn't anyone else that could help me because it is the " underwriting " dept who makes these decisions. According to everything I researched on te HuD.gov website I do qualify for the Covid 19 Recovery modification and basically I want why I was denied and not considered for the govt mandated program.
Product: Mortgage

Back in  XXXX , after the building industry collapse I missed payments on my mortgage. I applied for a home modification through  XXXX   XXXX   XXXX . They held a  XXXX  and  XXXX  on my property. I was denied a modification, at first, then a new application package arrived by fed ex to fill out and sign before a certain date.. During that process, the  XXXX  loan was  sold to Bayview Lending . They then sent countless application packets. I filled them all out. After getting denied 3 times for a modification, I tried to do a " Deed in-Lieu ''. That too got denied several tim es. I tried to short sell the property. Denied. All denied, but foreclosure dates kept moving. Last year I was contacted by an investor saying they could deal with the lender and had EXPERTS to deal with this and get it sold for me. They found buyers on several occasions, and each time bayview accepted the offers at first. All the proper paperwork had been filled out. They foreclosed the property 2 days ago. This whole process felt devious, uncoordinated, and incompetent.  <P/> My complaints are wit h : Bayview Lending   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXX with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my XXXX or Experian account balances had changed- they did not. I filed a dispute with XXXX on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with Experian, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Product: Mortgage

My mortgage company, Citizens One Home Loans, is erroneously trying to collect late fees and have refused to remove them from my account. I have emailed, faxed, and sent certified letters explaining the amounts but the last response from them states " they are not in error ''. 

In XX/XX/XXXX, I entered into a repayment plan with Citizens One for three month arrearage due to an unemployment situation. The repayment plan amount included late fees for the previous months. I understood no late fees were to accrue once you were on a repayment plan. I did not fail to make the payments as agreed and, in fact, repaid the arrearage early, which included the late fees. The Repayment Plan was XX/XX/XXXX through XX/XX/XXXX but was paid in full in XX/XX/XXXX. The latest letter states they charged a late fee of {$53.00} from XXXX through XXXX ( while I was in a repayment agreement ) which would be {$260.00} however they have a charge of {$530.00}. 

Further, Citizens One, has incorrectly reported my 'past due ' as 3 over '120 ' to my credit report which is also incorrect. Part of this is also due to mishandling the sale of my FHA loan while I was already in the process of requesting loss mitigation assistance with previous company. I was 2 months behind when my first mortgager sold my loan to Citizens One which caused delays in paperwork ( or extended the time to process ). 

I have clear documentation on this issue and do not understand why they fail to properly adjust my records. The latest letter from Citizens One states that " the fees charged to the loan were a result of payments satisfied AFTER the grace period '' which is the XXXX of each month. Documents showing my payment transactions are provided along with other evidence and NONE were made after the grace period. 

I was clearly told there would be NO late fees accrued after I entered into a Repayment Plan. Nevertheless, even if they do charge late fees it is still invalid because I have already paid it as shown in my attached letters to them. It seems to me they are throwing anything they can just to see if it sticks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
Product: Checking or savings account

I deposit money on XX/XX/XXXX to SoFi which went through, however when I tried depositing a cashier check from XXXX XXXX on XX/XX/XXXX the bank denied the transaction and then froze my account. When I called they would not provide information on why the account has was frozen nor a timeline. It has bene over 3 weeks and the account is still frozen and no information provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these XXXX  Alerts are not deleted, I will also file a XXXX  report.
Product: Money transfer, virtual currency, or money service

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a Ponzo scheme. Here is the link to the fake website : XXXX XXXX XXXX  My funds sent to XXXX were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. XXXX ignored the fraud reports and did not do anything to investigate and/or freeze the fraud wallet. I have reached out to XXXX for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. 
My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case is in progress as well. Thanks
Product: Credit reporting or other personal consumer reports

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.

( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. 
You have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. 
18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an 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 or other personal consumer reports

Letter sent XX/XX/year> for no permissible purpose for the below CPS/MAIL XX/XX/year> XXXX CPS XX/XX/year> XXXX This company is stating that I did not provide info they could use to identify me, and i did. If they have no record of me, then they should not be reporting in the first place. They asked me for an account XXXX, i have no account with their company. This is identity theft. They have no permissible purpose to report any info on my to a credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andEquifax ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

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

Hi my name is XXXX XXXX XXXX XXXX. I reviewed my credit report and came across multiple inaccurate fraudulent accounts that must be removed immediately. I am a victim of identity theft and this is my second attempt ro have this information removed. As a protected consumer i know my rights section 605b of the FCRA. Ive provided the necessary documents needed to get these inaccuracies resolved. Thank you
Product: Credit reporting or other personal consumer reports

I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

XXXX, Equifax, and XXXX have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX  : {$30000.00} XXXX XXXXXXXX XXXX  : - XXXX XXXX XXXX  : {$300.00} XXXX  XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX  : {$0.00}
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate. I've provided my documents for you to update it.
Product: Debt collection

Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.
Product: Debt collection

I have two collections on my credit report from CMRE for XXXX XXXX XXXX XXXX. I have attempted to contact this company three times to dispute these two accounts. First of all, they are duplicates. I reached out to the company to make them known of this error and to please delete one of the accounts as they were the same. They refused. I provided them with proof and they still denied that it was a duplicate. After the third attempt to have the account removed, I decided to try this route with the CFPB. XXXX XXXX XXXX had a total of two accounts that were outstanding and I thought they both had been paid with my HSA from my previous employer.
Product: Debt collection

I have been receiving phone calls from Conns home plus every day. They call every hour from XXXX XXXX to XXXX XXXX. I have told them several times to stop calling me so often. I have tried in the past to block the number but they keep calling from different numbers. Now I just ignore the phone call but they still call every hour. I have told them before that I was not working and was unable to pay but that has not stopped them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to zero. To THIS DAY, the card company, XXXX, and Equifax will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE
Product: Debt collection

I have reached out requesting proper information per FDCPA, but the creditor has not provided this information and has placed inaccurate and unverified information on my credit report illegally. I am looking to have this information removed ASAP. 


After several failed attempts for validation and verification, I will be looking to escalate this issue to the CFPB and the XXXX  in addition to the FTC for fraud and identity theft and pursue damages to my person under the FDCPA if this derogatory inaccurate information is not removed from my credit file immediately.
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 is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Sent letter XXXX to XXXX XXXX XXXX, no response no action taken, to remove the inquiry off all 3 bureaus XXXX, XXXX, XXXX its been 55 days I thought you are to respond in 30 days
Product: Money transfers

Western union agent at XXXX XXXX in XXXX ma, XXXX, refused to serve me, a XXXX resident.