23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is in default. The last payment I made was  XXXX   XXXX . I was unemployed from  XXXX   XXXX  through  XXXX   XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable.  My mortgage company would not take the application because I had no income.     When I got a job in  XXXX  I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in  XXXX  and back to making a regular salary. I reapplied for the modification and was approved on  XXXX   XXXX ,  XXXX . I was told that all foreclosure proceeding where on hold.     I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification.     Today, I get home and the  Sheriff 's Sale  Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the   XXXX   XXXX   XXXX   XXXX   XXXX   I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until  XXXX   XXXX  and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law.     I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.
Product: Debt collection

To Whom It May Concern, I am writing to formally raise a complaint against Bank of America for their mismanagement of a loan payment and lack of communication regarding my private student loan, for which they are the guarantor. The following outlines the key facts and issues : My private student loan defaulted in XX/XX/XXXX. On XXXX XX/XX/XXXX, I made a payment of {$1200.00} directly to XXXX XXXX, my former private student loan servicer. On XXXX XX/XX/XXXX, XXXX forwarded this payment to Bank of America via check number XXXX. Bank of America received the payment on XXXX XX/XX/XXXX. Despite receiving these funds, Bank of America failed to notify the debt collection agency, XXXX XXXX XXXX, which is attempting to collect this debt on their behalf. On XXXX XX/XX/XXXX, I received a notice from XXXX XXXX XXXX indicating that they are attempting to collect the full balance of {$5800.00}. This amount does not account for the partial payment I made of {$1200.00}. 
Bank of Americas failure to notify their contracted debt collection agency has resulted in an inaccurate and inflated collection amount being pursued against me. 
Lack of Accessible Customer Support : I have made several attempts to contact Bank of America to resolve this issue ; however, I am unable to reach customer support because I do not have a direct account with Bank of America as their automated systems require account credentials that I do not possess. The telephone number I have for Bank of America ' Charged Off Accounts department is no longer active. This has made it impossible for me to address this matter directly with them. Bank of Americas negligence in notifying their debt collection agency has caused significant financial and emotional distress, as I am now being pursued for a larger amount than is owed. 
Their lack of accessible support channels for non-account holders further compounds this issue, leaving me without a clear path to resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 




XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OF MY XXXX LOAN EARLY. NOT ONE MISSED PAYMENT ON MY REPORT. EQUIFAX DROPPED MY SCORE BY 69 POINTS AFTER XXXX REPORTED THE ACCOUNT PAID IN FULL/CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be DELETED. 

1. BankruptcyXXXX Case Number : XXXX 2. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX XXXX  Account Number : XXXX 11. XXXX XXXX XXXX XXXX Account Number : XXXX 12. XXXX Account Number : XXXX 13. XXXX XXXX XXXX Account Number : XXXX 14. XXXX XXXX XXXX Account Number : XXXX 15. XXXX Account Number : XXXX 16. XXXX  XXXX XXXX Account Number : XXXX 17. XXXX XXXX Account Number : XXXX 18. XXXX XXXX XXXX Account Number : XXXX 19. XXXX XXXX XXXX Account Number : XXXX 20. XXXX XXXXXXXX XXXX Account Number : XXXX 21. XXXX XXXX Account Number : XXXX 22. XXXX Account Number : XXXX
Product: Debt collection

Fuel oil delivery XX/XX/XXXX, paid Furnace servicing XX/XX/XXXX, paid ( Which included, as indicated on their website at the time, inspection of the oil tank and replacement of oil filter and any parts necessary ) Refill oil tank XX/XX/XXXX, paid Emergency visit to repair XXXX XXXX XXXX  error XX/XX/XXXX XXXX XXXX XXXX  negligent services allowed a fuel oil leak to occur on my property not 2 weeks after inspecting it. They have contacted my family in attempt to collect funds from me. They mishandled my customer account information, placing it in the subject line of an email and sent it to my parents. 

Today, XX/XX/XXXX, at XXXX, while at work, I received a call from a person claiming to be from " XXXX XXXX ''. The name given was XXXX XXXX. I now see this name ( XXXX XXXX ) on a document sent to me from Accounts Advocate Agency, the collections agency attempting to collect from me. 

This man yelled over me that I let him speak. After he was finished, I attempted to respond. As I spoke, he continued to yell, and claimed that I had no manners. I was attempting to inform him that his information was incorrect, but his emotional and angry demeanor leads me to believe he was simply misrepresenting his claim and trying to scare me. I was then put on hold for some time. I hung up and called back because I wanted his name and the name of the supposed law firm. ( I was shaken by the earlier call, and I could not recall the name of the law firm, and I can not remember if this man gave his name previously. ) He gave me an amount he would settle for. When I asked if his reason for contacting me was to collect a debt, he would not answer, claiming that I was threatening him, and he hung up on me. I am entitled to this information by law. He would not provide it. 

Accounts Advocate Agency misrepresented themselves to me as a Law Firm. They misrepresented the services for which they were attempting to collect. The representative, XXXX XXXX, was abusive and insulting. I had also previously sent them a request to provide validation for the debt that they were trying to collect, and cease all other communications with me. I used the letter template from the CFPB website. A bill was provided with charges for " Balance Forward ''. No details provided, no signed agreement provided. 

I feel that this company is guilty of numerous violations ie, Imporsonating an Attorney, Using Abusive Language, Contacted me after I requested no contact. 

Further documentation will be provided to CFPB upon request. I have most of the paperwork at home, and I am currently at work.
Product: Debt collection

I am not responsible for the balance debt of this Wells Fargo XXXX XXXX. As this was not done by me and was reported fraud. What I was responsible for, Ive already paid and this credit card account was closed by the grantor after nothing was done by the fraud department and the balance charges was accumulating/ interest charges and also prior unauthorized charges. In order to satisfy this debt not owed by. I will not pay this balance, due to even if paid this will still reflect on my credit report as a Charge Off account that will just say Paid. If this balance was to be paid there needs to be an update to the credit bureaus. Stating paid as agreed and the status should no longer be listed as a charge off account and only show closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following inquiries XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Amount is not disclosed because they were not able to find the account because it was charged off. But Santander bank allowed someone to fraudulently open an account with them and use the their services under my name. XX/XX/year> Santander bank charged off a bank account regarding fraudulent check deposit. I have never owned a Santander bank so this is a problem on every level. Now my name is in the XXXX  regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per XXXX the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX TO REIMBURSE LEGAL FEES.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and and protected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I had a medical visit to the ER on XX/XX/XXXX-X/X/13, which the amount of {$300.00} posted to my credit report, not owing the amount. My health insurance already paid this. I have letters from my insurance documenting my exemptions from this debt, to no prevail.
I 've been trying to resolve with the debt collection and ( hospital ) sinc
e 2013! Yet, still unresolved. Now damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.
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. 

XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX My rights have been violated, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instruction ; 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, any of the other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1 681s-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 innacurate.
Product: Debt collection

On XX/XX/2020 I attempted to validate the debt by Raegan, Robinson and Young via certified mail.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account Number : XXXX that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card or prepaid card

I have an XXXX store credit card that is issued by Comenity Bank. They had a system upgrade which didn't go as planned and their online services/website has been down for weeks now. There has been thousands of complaints on their official XXXX page and no one is able to get access to their accounts. I'm unable to see my account, unable to see when payments are due and unable to see how much is due. The company is charging people late fee 's and when you try to call, you receive a message saying all of their offices are closed. This is ruining peoples credit and causing all types of stress and anxiety on consumers.
Product: Debt collection

Portfolio recovery acquired a dead XX/XX/XXXX from XXXX XXXX they have the debt listed twice on my credit report the same debt listed twice which is illegal they also have me having done business with XXXX XXXX and I never have I submitted a complaint XX/XX/XXXX through your system and they sent me a frivolous response letter FCRA act section 611, basically gives me the right to request an explanation of the verification method used by the CRA. I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report last month I requested investigation because I felt the items were not legally being reported correctly a couple days ago I received a letter stating that your investigation was complete please explain to me how you conduct your investigation for information that does not belong to me they use my name to gather credit cards but it is not my account XXXX XXXX XXXX Portfolio Recovery XXXX XXXX They have responded to my dispute with frivolous letters saying that they have completed the investigation with no response and no removals from my credit report they also have the same debt listed twice for portfolio recovery and XXXX XXXX XXXX XXXX is also listed as XXXX XXXX XXXX you can not list the same debt twice
Product: Credit reporting or other personal consumer reports

I dispute the account in the amount of {$4600.00}, as it is not mine. I have never lived in the community associated with this account. Despite requesting a signed lease agreement multiple times to verify the claim, I have not received any documentation. Additionally, I am a victim of identity theft, which may have led to this account being fraudulently created in my name. This account does not belong to me and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I received a copy of my credit report on XX/XX/2022 and to my surprise I notice that XXXX XXXX  has been added back on to my Equifax report. I requested the method of validation & verification of this account & disputed the completeness and accuracy on XX/XX/2022 and the account was removed XX/XX/2022. I'm confused as to why this item has popped back on to my report. 

Please see attached paper trail, Initial dispute, proof of removal, proof of reinsertion, and my most recent XXXX XXXX report which shows NO XXXX reporting and Equifax states that they get their public record information from this third party furnisher. 

Under the FCRA, an item can not be reinserted on to my credit report without written notice by a credit bureau to me within 5 business days of the reinsertion. I've received no such letter and would like for this item to be deleted again as this is a violation of my rights under 15 USC 1681i. 

Upon deleting this account please send me an updated copy of my credit report to my address listed above.