23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Cardinal Financial was hesitant to approve my loan modification application despite repeated assurances that it was in progress. They instructed me to continue making trial payments, but instead of being billed for the trial payment, I received a bill for the full payment amount. This unexpected discrepancy caused me to fall further behind on my payments. In desperation, I sought assistance from the XXXX program, which granted me approval. They provided the necessary payments, including arrears, and instructed me to pay the modification amount of {$890.00}. Despite waiting patiently, I received no response. 

Left with no alternative, I contacted the XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. After filing a complaint and providing proof of the XXXX funds, Cardinal Financial finally moved forward with finalizing the modification. However, due to mismanagement of my loan and incorrect allocation of funds, they returned the money to the XXXX XXXX  XXXX, resulting in a negative balance on my account. Now, Cardinal Financial is threatening foreclosure, claiming that I have defaulted. 

I diligently followed all instructions given to me and was under the impression that my account was current. Cardinal Financial failed to inform me that the funds were returned, leaving me in the dark and unable to seek assistance. My only recourse was to file a complaint due to Cardinal Financial 's neglect of the modification process., mishandled of my account and money received, lack of communication. 
In addition, I am currently in bankruptcy proceedings until XX/XX/2025, and despite this fact, Cardinal Financial has been persistently harassing me by phone and sending me certified and regular mail. Their actions blatantly disregard the protections afforded to me under bankruptcy laws. It is essential to note that my current financial predicament is a direct result of Cardinal Financial 's mismanagement of my account.
Product: Vehicle loan or lease

I have an auto loan with Ally Financial! It is very unfortunate and terrible that this company is not supporting its customers during a pandemic. My child tested positive for XXXX and was on an unpaid leave from work to take care of him. This of course caused me to become delinquent on many of my bills. I reached out to Ally and explained my situation. I was provided NO solutions or assistance. I was denied a deferment and was told there were no options for payment arrangements. The representatives that I spoke to were not empathetic and offered no help! Also, they continue to harass me by calling multiple times a day.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my own experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates Federal Law and my rights as a consumer. Problem accounts are as follow : XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company offered a discount payoff with the removal of a negative account from my credit report. I made the agreed offer, and they didn't remove the account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX, Lexis Nexis, XXXX, XXXX XXXX XXXX Credit Reporting Agency, is a Third-Party Collection Corporation . It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX XXXX XXXX has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.
Product: Debt collection

The credit company will call M-Sunday from XXXX to XXXX at night. they do not leave a msg and call every XXXX continuously.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$20000.00} ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$700.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 # ( private case number ) 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 reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time of " Late Payment '' I incurred XXXX issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for Transunion to remove an item that I did not authorize from a company called XXXX on XX/XX/2022. They did not do that they sent a letter stalling the process and did not follow up or investigate with company XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On the day of XX/XX/XXXX sometime in the afternoon I had two debit withdrawal come out of my account that I did not do or authorize, or give permission one withdrawal in the amount of first {$270.00}, and while I'm trying to contact them another withdrawal of XXXX comes directly out of my account, This account ending in XXXX I have had since XXXX from the last occurrence that took place in XX/XX/XXXX prior. Too continue I went to the branch first thing in the morning they could not help me just gave me the number to the recovery department and their manager isn't on site ( really ) what they did was give 3 account numbers I'm not even aware of, last personal check account I am aware of ended in XXXX so the other don't register which they closed and taken XXXX similar to what I'm mentioning now. When I finally do get in touch with someone from citizens they try to explain to me that's it's the right to offset. Not without reaching out to me to resolve the problem first by letter or phone call some form of written notice that I have not yet to receive about any money being owed to the bank, but still allow me to open up an new checking account this bank is acting in Bad Faith. And still mentioning XXXX dollars when XXXX dollars was paid to them XXXX on A account I have knowledge of pertaining to the XXXX that has been resolved only thanks to CFPB. As A consumer it's very unfair for a bank to operate like that just take money because I have a ln open account especially have an open account for the last XXXX  years as I mentioned for the last time doing that with no notification at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my surprise, I saw a collection account showing up on my XXXX & Experian credit report. I wrote them the letters to validate and verify that the info is accurate. Till to the date, even requesting them to validate the accuracy of the account- I have not received any documentations that supports that account belongs to me. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they had stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance has demonstrated predatory collection and inaccurate reporting to the credit bureaus regarding my account. 

Though I had been a multiple years customer with excellent paying history, upon loss of job, I fell on very hard times. I worked with Mariner sending any payment that I could which was agreeable to them. I was unable to make any type of payment for 2 months. 
Mariner contacted me, demanding payment with innuendos of credit damage and lawsuits. 

Enter promise of a lawsuit. 

The account was closed and forwarded to a collection agency. I immediately began payments at an accelerated rate. 

During the payment time with the collection agency, Mariner pulled a hard inquiry each and every month. When challenged as to why, their response was that " it was within their legal right to do so " Mariner Finance pulled credit bureau inquiry in an effort to obtain updated information. This action is permissible under section 604 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, which allows a company to obtain a credit file for the purpose of collecting an account. '' Enter promise of " credit damage '' Mariner Finance was no longer servicing the account. They received a judgement through the courts and it was being serviced through their collection agency. " Effort to obtain updated information ''? My address, telephone and credit status has not changed in over 7 years. 

I paid the account in a expedited manner ( ( Payment history ) XX/XX/XXXX : $ XXXX-Confirmation:XXXX  ; XX/XX/XXXX : $ XXXX-Confiirmation:XXXX  ; XX/XX/XXXX : {$250.00} - Confirmation:XXXX ; XX/XX/XXXX : {$290.00} - Confirmation:XXXX  ; XX/XX/XXXX : {$200.00} - Confirmation:XXXX TOTAL : {$1700.00} ) Mariner inaccurately reported the balance for several months and did not attempt to correct until I filed a complaint with the XXXX. And it is STILL not accurate as of today 's date. 

I disputed the information on all three ( 3 ) credit bureaus ( XXXX, XXXX and XXXX ) and each credit bureau stated that the balances being reported were accurate as late as XX/XX/XXXX, when in fact, they were not. 

The Fair Credit Reporting Act ( FCRA ) requires industries to report consumer credit information in a fair, timely, and accurate manner. Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported under the FCRA regulations. 

My credit reports, verification of payments will CLEARLY show that Mariner Finance failed to do so. I have maintained my reports each and every month for the past several months which will verify. My records will also verify my attempts to contact their corporate office to resolve before proceeding with complaints being filed including dates, times and the individuals involved in the conversation. 

This is negligent and based upon the innuendos stated before the account was closed, potentially willful FRCA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry dated XXXX XXXX,2022 on my Experian consumer report. They accessed my credit again without my permission as I did not apply for anything!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, an account still needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$2100.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.
Product: Debt collection

VALIDATION AND CEASE AND DESIST IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear IC Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Debt collection

THEY WANT ME TO PUT A XXXX DOLLARS DOWN I DO N'T HAVE THAT KIND OF MONEY ... THE OTHER PERSON TOLD ME IF I DID NOT HAVE A CREDIT CARD OR DEBIT CARD WE HAVE NOTHING TO DISCUSS AND I KNOW SOME OF THOSE BILLS ARE DUPLICATE AND TRIPLICATE I ALSO WANTED A LETTER STATING THAT THESE BILLS WILL BE DELETED OFF MY CREDIT REPORT
Product: Student loan

I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.