23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been on a XXXX XXXX XXXX program since XX/XX/XXXX which included a Payment Deferral. This forbearance program hit the maximum number of months allowed and payments resumed XX/XX/XXXX. With anticipation of this and knowing I could still no longer make the full monthly payment, I applied for a XXXX XXXX XXXX in XX/XX/XXXX. This application was completed verbally. I received a letter dated XX/XX/XXXX denying my modification noting the account does not qualify for Mortgage Assistance. I was assigned a Relationship Manager, XXXX XXXX, whom I have attempted to contact many times and only spoke with once. He was no help to me. 

I reapplied for XXXX XXXX XXXX again in early XXXX. This time I completed a full formal modification packet including : mortgage assistance application, mortgage statement, property tax bills, utility bill, insurance declaration page, tax returns for XXXX and XXXX, divorce settlement agreement, last XXXX months of ALL bank statements, a complete monthly budget, profit/loss statements for the last XXXX months for my business and XXXX hardship letters- XXXX from myself and XXXX from my XXXX 

I stated that my hardship began when my husband left our family in XX/XX/XXXX and took his income with him. I started my own business in XXXX to support my family. 
I am a single mother raising XXXX boys. In XXXX I was diagnosed with XXXX XXXX  and had a XXXX XXXX removed in XX/XX/XXXX followed by XXXX and XXXX  I had XXXX in both XXXX, my XXXX, my XXXX XXXX and throughout my XXXX XXXX. After being in XXXX my XXXX returned, and I had a XXXX XXXX removed in XX/XX/XXXX. This resulted in a XXXX fusion, more XXXX and a return to XXXX My treatments continue currently. 

I sent my complete XXXX XXXX Assistance application on XX/XX/XXXX. I called the mortgage company daily to confirm they received the entire packet. On XX/XX/XXXX I was told that the packet had been received that day and sent to the underwriter. I received a letter in the mail dated XX/XX/XXXX denying my XXXX XXXX noting the account does not qualify for Mortgage Assistance again. This was the same exact denial letter I received for the first verbal application! I also received in the mail, at the same time, a letter dated XX/XX/XXXX stating that my XXXX XXXX XXXX had been received. This letter was dated a day later than my denial letter! 

These facts confirm my belief that this mortgage company did NOT conduct a proper review of all my documents! This would include evaluating my extenuating circumstance, as outlined by my oncologist, and the effect this XXXX  has on my immune system. 

I was able to make XXXX mortgage payment at the end of XXXX but unable to make my XXXX payment, as of yet.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my loan with them on XXXX XXXX XXXX  They are supposed to release funds back into my account in the amount of {$240.00} as of XXXX XXXX XXXX It has been a month and a half and I still have not received my money. I have called them multiple times to try and get this resolved so that I can get my money back now that my loan with them has been paid off, which was held in sort of like a savings account. Every time I call I have gotten the same response that they will look into this and get back to me within 3-5 business days. No one is calling me back. I am the one who is calling them pretty much once a week. There is still no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, 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 I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX Amount : {$2500.00} ; Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled 6 separate accounts with XXXX XXXX. They did not remove the balance of these items nor did they update them to " settled in full ''. I disputed this with the three bureaus and all three have left the balances on the file. Since CFPB refers complaints about the way that companies report to the bureaus back to " credit bureau complaints '', I am filing it the way you asked. 

The account numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards showing on my credit report from USAA, however, neither of these accounts are mine. I have a relationship with USAA, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vsXXXX XXXX XXXX  FL ). I have spoken to USAA in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including USAA.
Product: Credit reporting or other personal consumer reports

i have recently been a member of identity theft and these are the following accounts : 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 PLEASE SEE ATTACHMENTS
Product: Debt collection

RE : DISPUTE/ COMPLAINT WITH ATTACHMENT. THIS ACCOUNT I SNOT MINE. IT DOES NOT BELONG TO ME AND I HAVE NO CONTRACT WITH MY WET INK   SIGNATURE TO PAY CCS.
Product: Debt collection

This company called from phone number XXXX. They called my girlfriend, my girlfriend 's Dad, my girlfriend 's Mom, my Dad and my girlfriend 's office so far ( and possibly more that I do not know about ). They are harassing everyone that I know with phone calls asking for my personal information. I have not received a letter with any information about this " debt '' and there is nothing listed on my credit report.
Product: Credit reporting or other personal consumer reports

formally request the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and I have already taken the necessary steps as outlined by the Federal Trade Commission ( FTC ). I have disputed these accounts with the credit bureaus and notified the respective creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Despite my efforts, I have not received any resolution, and I continue to receive calls from debt collectors regarding these accounts, which I did not authorize. I have filed complaints with the FTC and IdentityTheft.gov, and I have hired an attorney to assist me with this matter. 

I urge you to promptly investigate these accounts and remove them from my credit report. I appreciate your immediate attention to this serious issue.
Product: Credit card

The interest rates are so expensive that you cant even afford to pay the bare minimum because these interest rates are off the charts and these credit reports are the ones that are offering these credit cards and theyre using duplicate foundations from XXXX and other ones that are allowing these credit cards to be used And there should be some kind of restrictions on the amount of credit that they offer you knowing that your capped out already
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have 1 address : XXXX XXXX XXXX XXXX XXXXXXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXXXXXX XXXX XXXXXXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX  Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened XXXX XXXX XXXX Account balance : {$1000.00}
Product: Debt collection

I receive in the range of 3-5 calls daily, no matter how many times I tell them that at this time I can not arrange payment. The calls are made by robo-caller, when answering the calls, an operator asks to confirm my name and transfers the call to a representative to discuss my debt. They use a few different phone numbers, predominantly from ( XXXX ) XXXX - XXXX
Product: Debt collection

I am submitting this complaint against IC System XXXX Inc., a debt collection agency, due to their failure to comply with my request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Details of the Complaint Debt Validation Request Sent : On XX/XX/XXXX, I mailed two debt validation letters to IC System via certified mail with return receipt requested. The debts in question are : {$63.00} ( IC System, account opened on XX/XX/XXXX ) {$200.00} ( IC System, account opened on XX/XX/XXXX ) Failure to Respond : IC System has not responded to either validation request, despite receiving my certified letters. 
Per FDCPA regulations, a debt collector must cease collection activity until proper validation is provided. However, they have continued reporting these debts on my credit report and have not provided any proof that I owe these debts. 
Harm Caused : Their failure to respond has negatively impacted my credit standing and financial situation. 
I have been unable to determine if the debts are valid or if they were properly assigned to IC System. 
This has caused unnecessary financial distress and credit damage. 
Requested Resolution I am requesting that the Consumer Financial Protection Bureau take the following actions against IC System : Require IC System to Validate the Debts : IC System should provide documentation proving they have the legal right to collect on these debts and that I owe the stated amounts. 

Cease Collection and Remove Credit Reporting : If they can not provide proper validation, IC System should be required to delete these accounts from my credit report and cease all collection activities. 

Investigate IC Systems Debt Collection Practices : IC Systems refusal to respond to a lawful debt validation request suggests potential violations of the FDCPA. An investigation into their practices may prevent harm to other consumers. 

I appreciate the CFPBs assistance in ensuring fair and lawful debt collection practices. I have attached copies of my original debt validation letters and proof of mailing for reference. 

Thank you for your time and consideration. I look forward to your prompt response regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent it a dispute on 30 days ago and have not heard back from equifax regarding a dispute to remove two accounts u see litigation. The two accounts are XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB 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 CFPB 's 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 lack of accountablility and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is very simple and is a FCRA violation. National Credit Systems is reporting the incorrect date of first delinquency, a clear violation of FCRA. National Credit Systems, a collections agency, is attempting to collect for XXXX XXXX XXXX. The date of first delinquency with XX/XX/XXXX was XXXX. National Credit Systems is reporting date of first delinquency of XX/XX/XXXX with all three credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX).  This is a clear FCRA violation.
Product: Debt collection

This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not implement proper data security measures and my information was stolen in the hack around XXXX 2017. Stolen information includes my Name, DOB, SSN, address, and account numbers. Equifax did also not follow appropriate measures in notifying people that their information was stolen. Equifax executives were able to sell ~2 million dollars of Equifax stock immediately after the breach, but were not able to notify people until a few months later.
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting Agency is using a bankruptcy dismissed as if I filed it against my creditors it has now been on my credit report for a little over 6 years they're making it seem as if I had a bankruptcy and using it against me I filed for a bankruptcy but never went through with it so it is being used against me on my credit report with Experian. XXXX, XXXX also had it on there credit report but has removed it yes I filed but never included any creditors never went through with it why would they hold that on my credit report for no reason just to make me look like I had a bankruptcy I repeat I never filed it against any creditor and I would like it removed from my credit report
Product: Debt collection

XX/XX/year> I checked my credit report and noticed a closed account from Self/Lead bank that I didnt open for {$720.00} that I need removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

XXXX reporting information without my written consent, Experian reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX XXXXXXXX XXXX XXXX and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXX, XXXX, XXXX  innacurayly reported XXXX XXXX XXXX XXXX negative payments reported inaccuratly XXXX XXXX XXXX XXXX  reporting late payments inaccurate XXXX Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.