23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The property that I live in and that it is my primary home it is currently in foreclosure. The property was purchased with a loan that was a negative amortization and it was part of the predatory lending practices during the financial crisis. The loan was not explained to me and sometime after the purchase I was unable to make payments when the payments increased. I am a retired person and XXXX years old. I have been trying for years to come to an agreement with my bank and get a loan modification with a fixed interest rate, and for which I have been denied each and every time. I am a retired XXXX lady that get help from my children in order to pay my bills. The bank refuses to modify my loan because they say its been more than 36 months since I last made payment. We can show enough income coming to afford the new modified payment with the help of my children who are willing to assist financially with my mortgage. The bank refuses to allow their income as help and I will loose my home as a consequence. At this time the bank has requested the courts a sale date. If the sale goes thru I will be homeless. Again, this is my primary home and I have no where else to live. I am hoping your agency can help in having the bank process a loan modification so I can continue to live in my home with the financial assistance of my children. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : Bankruptcy REMOVAL : US BK CT-XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXX Court : - US BK CT-XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX  - Balance - {$540.00} Account number - XXXXXXXX XXXX XXXX XXXX  - Balance - {$560.00} Account number - XXXXXXXX XXXX XXXX  - Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX  XXXX - Balance - {$560.00} Account number - XXXX XXXX XXXX  XXXX - Account number - XXXXXXXX XXXX  - Paid off XXXX Original balance XXXX {$720.00} Account number - XXXX SCHOOL ACCOUNTS XXXX/DEPT OF ED - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  = Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX XXXX OF XXXX - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened - XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX DEPT OF EDUCATION/XXXX  - Account number - XXXX Date opened- XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 if the person knows or has reasonable cause to believe that the information is in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 _____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am urgently filing a complaint regarding fraudulent accounts and inquiries on my credit report caused by identity theft, which have severely impacted my financial well-being. The accounts in question, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and others, were opened without my authorization, and several associated addresses, such as XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX are not linked to me and must be removed. These accounts contain inconsistent information across Equifax, XXXX, and XXXX, violating 15 U.S.C. 1681e ( b ), which mandates accuracy in reporting. Creditors have also failed to notify me within the required 5-day period under 15 U.S.C. 1692g and have not validated the debts despite repeated requests, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information. Despite submitting supporting documentation, including a police report, proof of identity, and certified dispute letters, no corrective action has been taken. I demand the immediate removal of these fraudulent accounts and inquiries, as their continued presence violates federal law and has caused significant harm. Failure to act promptly will leave me no choice but to pursue legal remedies.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Credit card or prepaid card

Capital One has sent a late payment notice in XXXX or XXXX. This is false information and I demand it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX file number XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
CXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX TransUnion XXXX BANK Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on transunion XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Request for Removal of Closed Accounts Reporting No Balance I am writing to formally dispute and request the removal of closed accounts on my credit report that are reporting a XXXX balance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to accurate, fair, and verifiable reporting of information on my credit file.

Upon reviewing my credit report, I noticed the following closed accounts that are inaccurately listed and are no longer relevant : According to the FCRA, any information reported must meet strict standards of accuracy, relevance, and necessity. Closed accounts with no balances have no bearing on my current creditworthiness and are, therefore, irrelevant and potentially misleading.

Furthermore, under Section 605 ( a ) of the FCRA, outdated and irrelevant information must be removed from my credit file. Reporting these closed accounts with XXXX balances serves no purpose other than to unnecessarily clutter my credit profile, which can mislead potential creditors and violate my rights as a consumer. 
I kindly request that these accounts be investigated and permanently removed from my credit report. Please provide written confirmation once the accounts have been removed or provide documentation verifying their continued relevance and accuracy. 
If these accounts can not be verified or meet the standards outlined in the FCRA, I expect their immediate removal. Failure to comply with this request may compel me to take further action to enforce my rights under consumer protection laws.

Thank you for addressing this matter promptly. I look forward to your response within the 30-day time frame allowed by law.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$25000.00} from XXXX XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely deleted this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a prepaid debit card from PayPal. I did not request this card. I called the company but no one is available to help with possible fraud. 

Not sure if anyone tried to link a direct deposit account with this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your time! Humbled am I! 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 and Reporting Act section 611 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX was settled in XX/XX/XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account
Product: Debt collection

Around XX/XX/XXXX I went to XXXX XXXX XXXX office they confirmed they accepted my insurance. And then in XX/XX/XXXX I seen the debt on my credit report. The company never sent me a letter in regards to owing a bill. And so I reached out to XXXX XXXX XXXX office and spoke with XXXX in billing she confirmed that she made a mistake when submitting the claim, we both spoke with XXXX and confirmed that I was covered at the time of service. XXXX said she will fix problem and have it deleted from my report. 2 weeks later XXXX XXXX office is out of business and debt is still on my report. I have disputed several times with XXXX band XXXX  and they will not deleted it from my report.
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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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: Credit reporting or other personal consumer reports

i am a victim of identity theft please see my document attached
Product: Prepaid card

I purchased XXXX Vanilla Gift card on XX/XX/year> for {$500.00} ( I have receipt from purchase that I attached ) to send to a friend in need. Upon receiving the card, she was not able to purchase anything with it. She visited several stores with no luck. I called customer service XXXX separate times and was given a case number and told they would pass on the information to the correct department. I have not heard from anyone or received anything in the mail. Apparently, I am not the only person having these issues with the XXXX Vanilla gift cards.
Product: Payday loan, title loan, personal loan, or advance loan

I asked about using the add-on product for XXXX  purposes. I was able to use that. I asked about the product that pays you for being XXXX  for a few days. I was told that I did not have the product. I was also told you only get {$500.00} for each claim, not per 3 days of XXXX. I was XXXX  for 13 days from XX/XX/XXXX, XXXX XX/XX/2023 and I feel that OneMain Financial dont want to honor my product I purchased. The company has not been honest about this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I have submitted and re-submitted proper paperwork for the Public Service Loan Forgiveness ( PSLF ). I was told all the information has been verified and approved however, no chances have been made to my account since XX/XX/2021.
Product: Mortgage

My mortgage company rocket mortgage Quicken Loans cold called me about refinancing. The person pulled my credit report without my knowledge or consent. I complained about this talk to a director. They decided to go ahead and try to refi my mortgage which again I did not request a cold called me. We agreed on 2.875 % interest rate and no upfront cost for closing cost of any kind. After delay after delay on their part they now tell me I owe {$1700.00} at closing I complained and they reduced it to a little over {$1000.00} in closing but I told them I was told from one of their directors there would be no closing cost of any kind. This is been going on since XXXX of this year. They keep trying to assess late fees for mortgage payments but I was not to make a payment because of the closing. This is utterly
Product: Debt collection

National Credit Adjusters have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called XXXX, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to XXXX  and Equifax copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to Equifax 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.
Product: Money transfer, virtual currency, or money service

I was scammed by a " land-lord ''. I paid a deposit to view to meet with said land lord to view the property, and he set up the appointment, didn't show up, made up a lie, and stopped responding to me. Eventually, he responded days-weeks later, stating that he would not have any problems returning the money, and yet again stopped responding to my messages, and of course still has not returned any money. The transaction amount was for {$990.00}, after sending {$1.00} to make sure it was going to the 'right person '. I have all screenshots and documentation of communication as needed. I attempted to file a claim via XXXX XXXX, who directed me to Zelle. I filed a claim with Zelle, who of course denied the claim because I authorized the payment, but it was a scam, and it is sad to say that I truly can not afford a XXXX XXXX loss. I am positive that if this {$1000.00} was removed from the recipient 's account at any given time, they should and would understand why and there ( ideally ) should not be any issues. This was a desperate measure while looking for housing before XXXX started, and I'm sure this person scammed many other XXXX XXXX XXXX XXXX XXXX from posting nicely furnished apartments and rooms in the XXXX housing and roomates groupchat. I had confidence because I previously rented from a landlord at my previous college and had a great experience, and yes I paid my previous landlord via XXXX, zelle, etc. The interaction that I was having with this fake landlord was similar, and required a deposit just the same way, which was comforting to me because my previous landlord was amazing. Sadly enough, this turned out to be a scam. 

I would appreciate any help with this case. 
Thank you so much, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

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