23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Gurstel Law Firm reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response.

Gurstel Law Firm is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt.

I called Gurstel Law several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.
Product: Checking or savings account

My credit has been ran by unauthorized means to obtain credit cards, bank accounts, an savings accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has information on my credit report stating past due student loan balance with  U.S. Dept of Edu. M y loans have been transferred to  XXXX   XXXX   XXXX  ; I been paying them since   XXXX  . My credit score is very low because of this entry.
Product: Debt collection

I recently discovered that on XX/XX/year> Midland Credit Management, a debt buyer, accessed my XXXX credit report without my consent after I had informed them in writing on XX/XX/year> to stop contacting me and that I did not consent to giving them my personal information or to enter in to any type of contract with them.
Product: Credit reporting

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors.
Product: Payday loan, title loan, or personal loan

I received a pre-screened offer from Big Picture Loans, a tribally owned loan company ; XXXX. I applied online but got to the terms and was confused as I had never seen terms explained in the wording they used. 

" Loan amount : {$750.00} Loan rate : 550 % Term : 6 months. '' They did not state APR, so I called to see what " loan term '' meant before I pressed continue. I was told that 550 % IS the APR! I was absolutely appalled. XXXX told me on the phone, a loan of {$750.00} at {$160.00} for 13 payments. That equals {$2100.00}! For {$750.00}!? I have never heard of an apr higher than 29.9 % for people with horrible credit. Now I understand that they are their own government and the regulations do not apply to them, but this is robbery. Something needs to be done about the way they are conducting business.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Accounts name : # 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 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 then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 there was an inquiry on my report from ALLY FINANCIAL. I did not authorize this. That has caused my credit score to decrease and now I'm very concerned that my identity has been stolen.
Product: Debt collection

This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
Product: Mortgage

fell into 90 day arrears, contacted company for loan modification/refinance but they would not approve but, kept me on a reduced payment plan which charged me late fees each month for not paying full payments and took me off my original VA loan and increased the interest rate. I had no choice as they wanted to foreclose on my home. This continued until XXXX mortgage approved a refinance in 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquiries I didn't recognize on my report when i called Transunion they don't pick up and when I finally get through i get passed around ... no one at Transunion wants to take responsibility for anything.
Product: Debt collection

The company of " common wealth '' phone number ( XXXX ) XXXX, stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this, he stated that the debt collection has been reopened and that I would be taken to XXXX courthouse. There is no courthouse in XXXX. He told me I had XXXX hours to agree to a payment otherwise my {$1300.00} debt would turn into {$5000.00} debt and they would garnish wages among other things.
Product: Mortgage

I was paying my HELOC online and saw that the company was showing how much equity I had in my home. I had recently battled the same company on an alleged first lien that they were fraudulently claiming ownership of and it turns out they not only lied here in my answers to the CFPB - XXXX claiming to be servicers for XXXX XXXX and then admitting to being owner and holder of a loan that apparently does not exist according to THEIR OWN title company which cleared me to close on this loan increase. No first lien showed up - only a judgement from my ex husband which I promptly paid. I assumed that the company had done the right thing and removed themselves from my title - because no one can claim a holder status to foreclose on you if they're not on the title right? In fact - according to the law - only a holder in due course can sue the prior lien holders and New Rez is admittedly not a holder in due course. So, effectively, New Rez has been collecting my monthly payments since the beginning of this improper action all the while trying to sue themselves for the proceeds of the HELOC that I never missed a payment on and they themselves have continued to take the entire time they improperly had me in court.. The appraisal was also paid for and all was ok - so I was told. I hadn't heard anything so I called a few times and left messages with the loan officer. Today I went to the website to pay XXXX - since the loan officer instructed me to miss XXXX payments - I was unsure as to which XXXX so I made XXXXXXXX XXXX payment. According to XXXX website today- my loan has a star in the default column and no equity shows up at all and the number listed is the loss mitigation department. This loan was never even late and I would like an explanation as to why my loan is now in default status. This company never had any right to hold up my life, steal my equity and even take me to court let alone keep me from my equity now.

I will need a copy of all phone records, a copy of all
loan documents including the appraisal and the title search. They may have denied my rights to due process, XXXX and a fair trial but they are not getting away with stealing my equity any longer. This is a criminal enterprise and the CFPB has aided and abetted their operation long enough. Literally, my last complaint to this agency resulted in them admitting they switched positions and you guys did nothing. You are allowing these corporations to steal homes from law abiding American CITIZENS- and you all already knew that XXXX  XXXX XXXX had no authority to service anything when this fiasco began. You are all just as guilty.
Product: Credit card or prepaid card

From the year XXXX to XXXX a former bookkeeper for the business was fraudulently using a business credit card to make purchases from XXXX, XXXX XXXX, XXXX, etc. to the amount of {$23000.00} This was not recognized until she was already fired for payroll theft and we were going back through the records. It was hard to differentiate our XXXX purchases from her XXXX purchases so we decided to call XXXX to verify. We were able to get a XXXX on the phone and she was able to help us go through the many transactions that were there and let us know which ones were fraudulent and which ones weren't. I spent no less than XXXXXXXX XXXX  on the phone with this particular XXXX going through each individual charge, what it was and who made the charge. She was also able to let us know that this bookkeeper had XXXX credit cards linked to her XXXX account that did not belong to her. After we discovered the XXXX fraud we then noticed that there was fraud by XXXX XXXX. We also have XXXX XXXX for our business and when we went back and looked we were being charged XXXX every XXXX by XXXX. Once for our cell phones and once for the bookkeepers entire family cell phones. This was not just her phone, but everyone in her family. Once we had gathered our information we immediately notified the police and Wells Fargo. Wells Fargo rejected the fraud because she was a bookkeeper for the company. We never gave her the credit card to use and she never had it in her possession. We do not know how she was able to obtain the number. Once Wells Fargo denied the claim we had our attorney send them a letter with more information. He also called Wells Fargo to try and resolve this to no avail. The bookkeeper has since been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for these credit card charges but we still have not received any help whatsoever from Wells Fargo other than for them to tell us that they denied the claim. We would appreciated any help that we can get. This process has been prolonged due to XXXX and the court system being backed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX and missed a loan payment. 

Ive sent them a doctors note which stated I was admitted into a hospital for care. According to the CARES Act - Covid was deemed a Natural Disaster and National State of Emergency and I should not have my credit penalized.
Product: Credit reporting or other personal consumer reports

An unknown individual tried to obtain a credit card from TD Bank using my personal information. Fraudulently trying to obtain a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the XXXX, XXXX and TransUnion Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX, XXXX and TransUnion credit bureaus must validate these accounts in line with FCRA 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 from erroneous reporting. 
XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$870.00}.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$4.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$13000.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$910.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$4700.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX LL Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$320.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXX, XXXX XXXX {$28.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  - G Date XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX VIA DEALER Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023
Product: Credit card

I paid for a wedding vendor to provide a service during my wedding, which she failed to do. I have an email from that vendor agreeing to give me a FULL refund and since she did n't have my credit card information on file, she suggested filing a dispute with Chase to get my money back. I filed this dispute with Chase in XXXX. It 's now XXXX and Chase is still " looking into it ''. They have the email with the vendor telling me to both file a dispute with Chase and that she agreed to a FULL refund. 

The way Chase is behaving is ridiculous- They have everything they need and and they 're keeping my funds for an unnecessarily long time. They need to get their act together. The vendor is not disputing this charge back, and there is no reason why they should n't give my back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry, I checked my personal credit report, which I acquired from your organization on XXXX XXXX, 2017, Report Number XXXX, and I noticed unauthorized inquiries had been made. 
I contacted ALL inquiry sources, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a joint account with my partner who filed chapter XXXX bankruptcy. I did not. I have been paying faithfully on the account since it was opened. I never missed a payment and have never had a late payment. MB Financial is reporting on my credit reports that the account is closed/charged off and my credit score dropped over 100 points. They started the negative reporting XX/XX/2018 and shut my online pay account off. I called them XX/XX/2018 and spoke with XXXX XXXX who said she will remove the account and stop reporting to the credit bureaus. I said I was fine with that. She also said to email her to have the online account turned back on. Weeks passed and nothing changed. I emailed several times with no response until I contacted MB Financials help desk to check on the status.Then the XXXX XXXX emailed as follows : I am in receipt of an email from MBs Helpdesk. 

Per my conversation with you on XX/XX/18, you had called in regarding a credit bureau dispute and to inquire on why your online access has been shut down. The email below is the only one I have received from you. Please note that the credit bureau dispute/request has been submitted, and if honored- you should see the changes in your report once that has been approved and updated. 

Unfortunately, we can not reactivate the online account until we stop reporting the bankruptcy. Once I receive the confirmation of same, I can submit a request for online access. In the interim, if you wish to make automatic payments, I have attached a copy of the ACH form that you can return with a copy of the voided check and we can have the ACH turned back on. 

Thank you, During our conversation she mentioned nothing about submitting a request ( to whom I don't know ). I have repeatedly emailed with no response, and I have called twice on XX/XX/XXXX and was sent to her voice mail ... no call back. 

This is not my issue/bankruptcy and should not be reported on my credit reports. My partner and I have several joint accounts and MB Financial is the only one reporting on " MY '' reports. This is unfair to say the least. It makes no sense to be paying on an account that is reporting closed/charge off and will be on my credit report for 10 years!!! This is creating a financial hardship from the low credit score. I worked hard to build and keep a good score. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately
Product: Mortgage

I am in good standing with my mortgage payment. Never late. Two months ago, my mortgage was sold to Freedom Mortgage ; in order to enroll in autopay, customers are required to fill out a form and send it by mail. That's precisely what I did. Unfortanelly on XX/XX/2022 I was hospitalized for more than a month ; by the time came out of the hospital XX/XX/XXXX ; I realized that my payment was not collected by Freedom Mortage, I paid right away. But they reported to the bureaus hurting my credit score immensely. 

I called Freedom, and the representative was nice ; she understood the mistake and try to speak to her supervisor, who said they could not do anything since I had already been current in my payments. That if I had not paid, they could have helped. 

This is unfair. and it does not make sense. This a mistake on their end which I catch too late. Hopefully they remove this mark.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX 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

There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from XXXX XXXX & discover financial services. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX
Product: Mortgage

I have a assumable loan that I am looking to transfer to my daughter and her husband. We have submitted all required documentation more than once. We almost never hear from anyone form New Rex and when we do they promise it will be any day not that the transfer will take place. 

My daughter and her husband have corresponded with someone that tells them it will be soon, but XXXX  months now. Calls are not returned.