23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We obtained a mortgage on our newly built home in XXXX. XXXX XXXX XXXX XXXX sent us a statement for XXXX for {$800.00} ( partial undeveloped land at that time ), Mutual of Omaha assessed us at {$9000.00} and insisted we pay it. They eventually sent us an overpayment refund check of {$8000.00}. In XX/XX/XXXX, I called to explain that XXXX XXXX sent another tax assessment bill based on market value and, again, it was {$4900.00}, but Mutual of Omaha demanded we pay their estimate of {$9000.00}, but said they would " fix it '', because it was so much more than the XXXX XXXX XXXX Collector 's assessment. Nothing was ever done! 
We just received the tax statement from XXXX XXXX XXXX Collector for {$5000.00}, which also indicated they were sending a copy of the tax statement to Mutual of Omaha. Once again I called and spoke to an agent XXXX XXXXXXXX XXXX who agreed with me that the {$9000.00} they were charging us was almost double the actual tax bill. I asked for a supervisor and was transferred to a static filled line and could not get another human being on the phone. I stated my name and number several times and asked for a return call to resolve this issue, but no one ever called me back.

I am beyond frustrated that Mutual of Omaha is unable to resolve this obvious mistake on their part, even though they keep giving me lip service that they should and will resolve this ongoing issue.
Product: Debt collection

My now deceased ex boyfriend stole my information and opened 2 credit accounts under my name from Synchrony Bank in XXXX. I have disputed these with XXXX XXXX numerous times. They harass me constantly and I'm always having to block new numbers they call me from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with XXXX was because they had not updated my information since XX/XX/XXXX of 2022 and we were in the month of XXXX the end of XXXX to be exact. XXXX WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. XXXX just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a XXXX XXXXXXXX account Attached is proof of XXXX not updating my credit report or giving me the points for it
Product: Debt collection

On XX/XX/2023 this company contacted a relative via text message and disclosed personal information about a debt. They have previously sent text messages to various relatives threating lawsuit and using other scare tactics all while disclosing my personal information to non interested parties.
Product: Credit reporting or other personal consumer reports

I cant believe what I saw when I checked my credit report this morning. There are inaccurate accounts showing up, and I have no idea why theyre there. I check my credit report regularly, but this time, there were discrepancies out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the accounts stayed there. The issue didnt go away, and Im left feeling completely confused and frustrated. Please make sure the documents Ive sent are thoroughly reviewed so I never have to worry about this again.
Product: Credit card or prepaid card

I received a threatening telephone call today from a collection agency named XXXX XXXX XXXX ext # XXXX. The female collections person stated that I owed {$550.00} on an old credit card with XXXX XXXX. The collector said that if I don't pay the {$550.00} today then she would start calling my job and harassing me. The female collector also wanted me to give her my debit card number and I told her no that and that if I owed this debt I asked her to send me a statement via email she would not comply. I also told her if I owe this debt then I would pay by check depending on the payment options that they can give me once it is verified that I owe this. Can you provide any assistance? I don't want this collector to call my employer, harass me, and I wind up losing my job.
Product: Credit card or prepaid card

My name is Ms XXXX and my brother mistakenly paid his credit card bill with my checking acct. The acct was only on his because i helped him make a 1 time payment 2 months prior. The date was XX/XX/XXXX he made a paymemt online for XXXX from my XXXX XXXX XXXX and he meant to use his XXXX XXXX   information. We called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They said it will be in my account on XX/XX/XXXX. I called back on XX/XX/XXXX and they said I have to wait for another approval. I contacted my bank today and I would've done this sooner, I was told to let the company help first and they lied and cheated me. I want a full refund for products I don't own and never received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a A personal credit card opened at XXXX on XX/XX/scrub> 2015 under the account number XXXX with a balance of {$11000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I reviewed a copy of my credit report, and I noticed some late payments posted on my credit report : 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: Debt collection

In doing my research against my pending lawsuit against the debt collector XXXX, I discovered that the CFPB regularly files XXXX briefs, as in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

The specific item in this case, that XXXX appears guilty of, is claiming in an affidavit filed with a court that a person had personal knowledge, when they in fact did not. 

I am attaching a copy of an affidavit from XXXX from a person with the name XXXX XXXX. 

I have never met XXXX XXXX, never had any interaction with her, although she claims personal knowledge. 

It therefore seems there is yet another dishonest tactic being used by the sleazy firm Mullooly Jeffrey Rooney & Flynn XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, but this time, I was shocked to find discrepancies out of nowhere. I even refreshed my browser, hoping it was a glitch, but the issue remained. This situation is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive submitted carefully so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2024 I deposited an amount of {$1200.00} into my SoFi saving 's account from my XXXX account. The deposit name reflects XXXX on the statement which is short for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' who is used for XXXX accounts. The XXXX account was setup for me by my workplace " XXXX XXXX '' and is in my name. Later on XX/XX/XXXX or XX/XX/XXXX I set-up direct deposit with Sofi  which constitutes me switching from my previous bank XXXX XXXX XXXX XXXX to SoFi as I figured SoFi offered more and is a better alternative for my financial service provider. I performed another deposit from my XXXX account on XX/XX/2024 in the amount of {$400.00}. The deposit name matches the first deposit I made from XXXX ( XXXX ). The deposit cleared on XX/XX/2024, but on XX/XX/2024 XXXX froze my account. I called and spoke to someone to aid in unfreezing my account but all that person told me was my account was restricted due to the deposit not being in my name. They weren't able to explain other than that the deposit name doesn't match my name. I informed them that it was a deposit from my investment account and the investment account is in my name. The person informed me that she would turn in my request for review to clear the restriction. XX/XX/2024 I call again because now my direct deposit from my workplace has been rejected due to the restrictions. I spoke with another person and unfortunately I was met with the same lack of care, emotion or understanding as the first person I spoke with. They told me the deposit doesn't match my name. He wasn't able to explain why that matters and I even gave him an example of my direct deposit not reflecting my name which he said would be okay. I have never had a financial institution freeze my account because I deposited money into my account. I would understand fraudulent charges leaving my account, but money deposits? At this point I'm at a loss because it's going to take XXXX days to receive my paycheck, bills are due, my kid 's are running low on food and the stress at this point is piling up. I need help. They refuse to provide a time-frame of how long this will take and as mentioned previously, both associates I spoke with appeared to have XXXX care in the world that this has happened. I understand that it's not them that this is happening to, but customer service is incredibly disheartening considering the reputation SoFi has.
Product: Student loan

In XX/XX/2017, XXXX/ XXXX switched to another loan company XXXX ( XXXX XXXX XXXX , XXXX ). It has been a mess since the switch. I have called them multiple times to please send me monthly statements either via email or via the mail. I have called them multiple times almost monthly and I can not get this resolved. When the bill is not paid because I do not know when to pay the bill, they report me as late and my credit is adversely affected. This practice is unfair. At a minimum, I am entitled to a bill via email or text at a minimum.
Product: Money transfer, virtual currency, or money service

This complaint is regarding loan # XXXXXXXX XXXX  Dated XX/XX/year>2021 this document was a XXXX to a Promissory Note which was part of a Mortgage alleged XXXX XXXX or XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and this XXXX had my name on this XXXX for Payment and did not disclose this information which I believe would be Forgery undisclosed information to the alleged Borrower of a loan I believe this loan was XXXX on this date because of my signature on this XXXX  and the XXXX XXXX Vice President and XXXX XXXX President also signed this XXXX to the Promissory Note and executed the funds using my name and Pay to the Order to themselves Without Recourse and used my address XXXX XXXX XXXXXXXX. XXXX XXXX, Arizona this was an extra page added to the promissory note called an XXXX after signing for credit to purchase a home I believe this is illegal and all paths I believe lien that way and the Loan Amount was XXXX and actions taken possible foreclosure now my current servicer is Fay Servicing they are the current servicer XXXX XXXX was my XXXX servicer
Product: Debt collection

Subject : Request for Removal of Inquiry Due to Data Breach Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of an inquiry listed on my credit report under Ally Financial @ XXXX XXXX XXXX XXXX due to a recent data breach that has resulted in the unauthorized use of my personal information. The data breach, which I was a victim of, has caused significant damage to my credit, and I am requesting that any inquiries associated with this event be promptly removed. Under 15 U.S.C. 1692cc, I understand that I have the right to dispute any inaccurate or unauthorized information appearing on my credit report, particularly as it relates to practices such as unlawful or improper inquiries due to identity theft or a data breach. In addition to this legal framework, I would like to emphasize the harmful impact that this situation has had on my financial wellbeing and the need for swift action to rectify the situation. The inquiry in question was made without my consent, and I have already taken steps to report the data breach to the relevant authorities, including the Federal Trade Commission ( FTC ) and other consumer protection agencies. As such, I kindly request that you investigate this issue and remove the inquiry from my credit report at your earliest convenience. Should you require any further documentation, such as a police report or proof of the data breach, please let me know, and I will be happy to provide it. Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this Make sure to include any relevant details, such as the date of the breach and the specific inquiry in question, as applicable. Also, consider including any supporting documents, such as a police report or any notices from the company involved in the data breach. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to log in to my account and unable to get hold of a human being when calling customer service. Experian will not connect me with a live representative except under " certain circumstances '' but the automated bot will not explain what those circumstances are. There is potentially incorrect information on my account and my only recourse is to place a freeze on the account ( which Experian allows despite not requiring me to prove who I am when I call in ). In other words, their service is insecure and simultaneously unusable yet they have a massive impact on my ability to rent, secure loans, etc.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding an inaccurate 30-day late payment being reported on my credit report by XXXX XXXX ( Account # XXXX ). Upon reviewing my consumer reports, I identified this error despite consistently making on-time payments on this account. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e to ensure that only accurate and verifiable information is reported. 

Disputed Information : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : 30-day late payment Reason for Dispute : I have never missed a payment on this account, and this information is inaccurate Request for Investigation : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request a formal reinvestigation into this matter. Under the law, XXXX XXXX and consumer reporting agencies are required to verify the accuracy of any disputed information or promptly correct/remove it if verification is not possible. 

I hereby request : Verification of the alleged late payment : Please provide supporting documentation, such as my billing statements and payment records, to substantiate this claim. Immediate correction : If XXXX XXXX can not provide verifiable proof that I was late, I demand that this false late payment be removed and my account status updated accordingly.Notification of correction : Upon resolution, please provide written confirmation that my credit report has been updated. 
Additionally, I request that the CFPB oversee this dispute and ensure compliance with FCRA standards. Reporting inaccurate information harms my creditworthiness, and I expect this matter to be rectified in a timely manner, as required by law to reflect " Current ''.

I have attached supporting documents ( such as proof of on-time payments ) to aid in your investigation. If you need further information, please contact me at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an item that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
XXXX XXXX Balance : {$37.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX XXXX Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.
Product: Debt collection

I I have a complaint with the authorities today and updating this complaint. I have received an alleged debt on a date that I was at work!! I have emailed them a letter and sent via certified mail. This is clearly a false debt. I also enclosed my time card on the alleged dates of service. I am clearly being a victim of identity theft.
Product: Debt collection

Calls over and over. Recieved 5 calls total over four day period. 1 on XX/XX/XXXX XXXX and 4 XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

The debt collection company asked me if I know a " XXXX   ____ '' ( not sure about last name ) and I don't. They keep asking if I know how to contact her or someone who does. I explain that they have the wrong number and they keep calling to ask the same questions. It's annoying and they won't remove my number from their calling list.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Credit Management LP with Account # XXXX is showing on my XXXX and XXXX Reports, yet I have never had an account with this company. I contacted them yesterday as well as today and they stated they couldn't find an account with my information. I asked them to remove the erroneous information, but they stated there was nothing they could do. I requested a supervisor and they stated no one was available.
Product: Mortgage

Community loan servicing AKA Bayview loan servicing during a loan modification the company reported me as being 120 days late 23 times during the modification period this is impossible that equates to 5 years and also how was the reporting made doing the modification this is furthermore destroyed my credit report and scores have reached out to them on several occasions with no response looking to get this resolved ASAP. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious account XXXX XXXX XXXX XXXX Balance {$17000.00}. I think CREDIT BUREAUS have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX and XXXX, and I'm including it again.