23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all XXXX major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Equifax : 1XXXX XXXX - XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 3. XXXX  XXXX- XX/XX/XXXX ; 4. XXXX  XXXX  - XX/XX/XXXX ; 5. XXXX  XXXX  - XX/XX/XXXX
Product: Debt collection

Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XXXX XXXX Dispute Resolution Department Subject : Dispute Letter and Notice of Civil Liability under XXXX U.S.C. XXXX Dear XXXX, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified errors on my credit report that appear to be the result of negligence and non-compliance with your obligations under the FCRA. Pursuant to XXXX U.S.C. XXXX, you are required to exercise reasonable care in handling and maintaining accurate consumer information. Your negligence in investigating and verifying the accuracy of the information on my credit report has resulted in harm and financial distress. Such actions constitute a violation of your duty to ensure the accuracy of consumer reports and comply with FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my XXXX XXXX XXXX  and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent XXXX XXXX, and TRANSUNION 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is my only name and my only address
Product: Checking or savings account

I requested that the account be closed and funds sent to me via check on XXXX consecutive instances in XXXX and XXXX, but no resolution has been reached. 
I would like the money that I am entitled to be disbursed within XXXX business days of receipt of this complaint. Their procedure and timeframe is complicated and unstructured.
Product: Mortgage

My husband passed away and  XXXX  times I have faxed and mailed to them the DEATH CERTIFICATE to remove my husbands name off of the loan. They have not done so, even thought they have promised many times.   I want his name to be removed. I am attaching the death certificate again to you in order for his name to be removed from the loan.
Product: Money transfer, virtual currency, or money service

I was kicked off of Venmo as well as PayPal without explanation and the accounts were used in accordance with their guidelines yet they claim I violated guidelines but will not explain what guidelines were violated. They would not accept an appeal or even hear my side of the story as to what transactions were what. I feel that they did this in error and need help trying to get my accounts back.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$250.00} to XXXX XXXX with the email XXXX through the app Zelle for basketball tickets. I never received these tickets. I even sent a request to receive this money back from them, but of course I never got anything back. I first contacted Zelle, but because the transaction was made through my bank 's mobile app ( XXXX XXXX  ), I was authorized to contact XXXX itself. I called XXXX, and the first woman I spoke to was very friendly, sympathetic, and helpful. The next woman she transferred me to was very frank that my bank would not be able to help me because I was the one who initiated the transaction, and that it would have been different if my debit card was used. I asked her what the difference was between swiping my card and pushing a button on an app, but she couldn't give me a straight answer. She said I would have to take legal action against " XXXX XXXX. '' I notified her that I sent multiple emails to this user, and then asked how to get more information about this person so I could. She again couldn't give me a straight answer. It is frustrating that my own bank can not support me against fraud. After this happened, I saw that this exact situation happened, but the victim banked with XXXX XXXX, and was able to receive a " courtesy '' refund. If this can not be resolved, I would very much consider switching banks. It is a shame that XXXX partners with an app that is capable of allowing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of inquiry:XXXX2022 XXXX XXXX Date of inquiry:XXXX2022 BK OF AMER Date of inquiryXXXX2022
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Please ensure that all information is accurate DEPARTMENT OF TREASU Account XXXX XXXX  XXXX Account XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX Account XXXX Please investigate and delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, Madam, I have an Experian account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call Experian and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the Experian operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau ( XXXX XXXX and Experian ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
NB : I've been a paid Experian client during 3 years.
Product: Credit card or prepaid card

I do not recall this card and its being reported negatively on my three credit bureaus. Can they please validate a accurate balance or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I did not authorize on my Experian report I have disputed these before and has not been updated these need to be removed immediately XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following hard inquiries should be removed from my credit report : Credit Plus from XXXX XXXX. XXXX from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.
Product: Mortgage

XXXX XXXX requested from XXXX XXXX to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from XXXX XXXX outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that XXXX XXXX is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. XXXX XXXX instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. In addition, XXXX XXXX and the loan servicer, Lakeview Loan Servicing , LLC. are failing to adhere to SCRA Protection as a member of the military. XXXX XXXX asks the Consumer Finance Protection Bureau and the Office of the Comptroller to thoroughly review of the above-named mortgage servicers lending practices. Thank you.
Product: Student loan

I have had a private student loan with wells Fargo since 2009 i have made over 48 payments and have never been late only when they did n't allow me on forbearance i have tried to refinance my loan to get the current competitive rate since it is 8.9 %. They simply use the credit score which in my opinion is only one factor. they should consider that i have been able to afford to make my payments on time even though they are charging me super high interest. it does n't make sense that they can keep taking advantage of me because i dont have perfect credit. i would think that the payments i have made without defaulting should count as merit.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies that have come to my notice after reviewing my credit report. I believe there may have been inaccuracies in the reporting : XXXX XXXX XXXX XXXX  - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b XXXX XXXX XXXX XXXXXXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) I would like to formally request that, in accordance with the Fair Credit Reporting Act, a comprehensive review be conducted to remove the aforementioned items from my credit report. I trust that a diligent investigation will be carried out in cooperation with the reporting creditor. 
Please remove any information that can not be verified by the creditor. As stipulated in 15 U.S.C.

Sec. 1681i ( a ), it is a legal requirement that this reexamination be completed within 30 days of receipt of this correspondence.

I would like to respectfully request an updated copy of my credit report to be sent to the address provided. Moreover, it would be greatly appreciated if you could also ensure that notifications regarding any amendments made are forwarded to all recipients of my credit report within the preceding six months.

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I checked my XXXX and XXXX XXXX accounts to find there had been 2 hard inquiries that I did not authorize or know anything about. I have tried to contact both companies but to no avail.
Product: Payday loan, title loan, or personal loan

I have been a customer with td for over 3 years and they are discriminating against my payee account. 

I have funds to cover a line of credit and they denied a XXXX loan even though i can cover the monthly payment sufficiently. 

XXXX XXXX XXXX has also denied a line even though they publish an offer on their site that when you open a XXXX account they will extend you a line of credit. 

They discriminate due to my credit score with the three major reporting agencys.

also the three major agencys falsify documentation on amounts owed to recieve higher returns.
Product: Mortgage

I applied in XX/XX/2018 with Caliber Home Loans for my second mortgage. I paid the 3 payments and sent back the permanent paperwork to them. They never permanently modified my loan, and required for me to reapply, which I did.-I was approved again, and made the three trial payments and once again returned my modification agreement. 
I received my second mortgage bill which prompted me to call Caliber Home Loans. I asked WHY I was receiving this bill if I was permanently modified. The answer to my question was that I did not return my first loan modification paperwork.

I never applied for a first loan mortgage modification with Caliber, nor do I need one. I do not think they know what they are doing. I have worked with them previously in the past, and I was NEVER required to modify both loans at the same time. 

Unfortunately, it is excuse after excuse with this company. I was now told to call Friday if they are going to accept this modification without REMODIFYING my first mortgage that I never requested.
Product: Debt collection

To Whom It May Concern, I just pulled my credit report and saw a negative mark from the debt collection agency Credence Resource Management , LLC. It seems as if the debt is from a XXXX service I had with the amount at {$200.00} The reason I am contacting you is because I have never received any ( phone, text, written ) communication from this agency about this debt. I also have not had the right to dispute this. 

Lastly, I do not believe this debt is valid and will be contacting both the debt company and XXXX. That said, my credit has now be harmed by this debt collection agency without following the required procedures detailed by the consumer financial protection bureau. Really unfair I have to go through all of this over {$200.00}. 
Thank you, XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern. 
My full name matching my passport XXXX XXXX ; Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX, XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about these corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward to your reply. 
Thank you
Product: Student loan

I completed XX/XX/XXXX school but due to unforeseen health issues was unable to obtain a XX/XX/XXXX. I have two private student loans. My income is not what it would be if I could XXXX XXXX  so the terms and payment plans available to me are not feasible. The student loan servicing company is AES. 

I have applied and been approved for a home mortgage but the terms of my student loans will not work for the underwriter because it makes my debt to income too high. AES only has three repayment options available to me but none of them are affordable. On three occasions they have given me a name of the lender and encouraged me to contact them to see if another option is available to me. They gave me the names XXXX  and XXXX as the name/s of my lender but will not provide me with any contact information. My search for XXXX  and XXXX leads me nowhere. 

I have no idea who my lender is or how to contact them to work out a more reasonable payment plan. Perhaps important to note is that my loans were for a XXXXXX/XX/XXXX school where we were guaranteed to do well on XX/XX/XXXX and get into XX/XX/XXXX I had three loans initially which have been shuffled around - one of which was sent to a collections agency but I was never given sufficient information as to why. I believe it defaulted but it was never explained to me why and options were not provided to prevent this from happening. I have been paying {$300.00} per month to the collections agency for several years now - but three or four months ago the {$300.00} stopped coming out of my account but I didn't notice until recently and the collections agency didn't reach out to me via phone until recently - no email, no regular mail. My phone blocks what it considers to be robocalls or spam calls so I have received only a few voicemails from them. 

So my complaint - I have no way of working out a more reasonable payment plan which is needed given my income as a non-practicingXX/XX/XXXX ; I have no information about who the actual lender is ; my mortgage is on hold and may lose the house if we can't close on time. We are first time home buyers - only trying to buy a house that is sufficient for our family - modest home. Also important to note is the terrible inconsistency in information given to me by AES as seen in the attached documents. My mortgage lender can not make any sense out of what has been provided and neither can I. 

In case you are wondering what health issues prevented me from getting into XX/XX/XXXX and being able to practice as aXX/XX/XXXX - a XX/XX/XXXX XXXX on my XXXX resulting in removal of the XXXX and XXXX. Severe XXXX that led to the discovery of the XXXX. A showering of XXXX XXXX in both of my XXXX. Both nearly killed me and both required an extensive period of time for recovery.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!