23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently filed a complaint against my mortgage company. On XXXX I contacted Land home financial services 5 times in one day. I was hung up on two times then advised a supervisor would be calling me back. I filed a loss mitigation packet so that I can save my home. The packet was denied after all of my documents were received. I've been trying to speak with a supervisor to explain that i am paid every two weeks. The examiner stated that the last pay stub received was on XXXX and that I never sent the most updated report. I've been trying to explain that I'm paid every 2 weeks and that my next paycheck was not until XX/XX/2023. Every supervisor is refusing to speak with me. I wouldn't even say the complaint is against the company its more so the workers. I requested that a call i had with a worker be reviewed due to me being removed from a trial payment period however that was never done and i never heard back from anyone. I filed a complaint back in XXXX and I guess due to the complaint against the company retaliation was done against me. XXXX of 2023 my house was assigned to foreclosure while being in loss mitigation status. I'm just trying to speak with someone in management and explain that all documents that were requested has been received and to have my case reviewed correctly.
Product: Student loan

I called Discover Student Loans on XX/XX/2020 to request the 90 day forbearance due to COVID-19 as outlined by Governor XXXX. Multiple representatives told me Discover Bank is only allowing a 60 day forbearance at this time, despite the XXXX  website listing Discover as one of the lenders participating in the 90 day forbearance. I ultimately enrolled in the 60 day program but would like this extended to 90 days if possible.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is appearing on my credit report specifically related to an XXXX XXXX  account, which I believe is the result of identity theft. This inaccurate information, including inaccurate dates associated with the account, is negatively impacting my credit score and my ability to obtain credit. 
Details of Inaccurate Information and Identity Theft : * Stolen XXXX and XXXX XXXX : My XXXX was stolen on [ Date of theft ], and I believe my XXXX XXXX information was accessed and used fraudulently as a result. I reported the theft to [ Name of law enforcement agency ] on [ Date of report ] ( Case number : [ Case number, if applicable ] ). 
* Unrecognized Account : My credit report shows an account with XXXX XXXX XXXX  XXXX that I have no knowledge of ever being opened. I did not apply for or authorize this account. 
* Inaccurate Dates : The dates associated with this XXXX XXXX account are inaccurate. I have never possessed an XXXX XXXX, so any dates related to account opening, alleged use, or charge-off are incorrect and should not be on my credit report. 
* Charged-off Status : The XXXX XXXX account is listed as " charged-off, '' indicating a loss due to non-payment. I have never had an XXXX XXXX, so I could not have missed payments. 
* Late Payment History : My credit report shows a low percentage of on-time payments, which is inaccurate. I have always paid my bills on time, and this incorrect information is likely associated with the fraudulent XXXX XXXX account. 
* Conflicting Information : While the XXXX Card account is listed as " charged-off, '' the " Charge-Off Amount '' field is marked " Not Reported '' across all three credit bureaus ( XXXX, Experian, and XXXX XXXX. 
* Failure to Investigate : I have contacted [ Name of entity you reported the theft to, e.g., XXXX, XXXX XXXX ] on [ Date of contact ] to report the theft and unauthorized charges on this XXXX XXXX account. They have refused to investigate this matter. 
Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, including the potential identity theft and the refusal of [ Name of entity ] to investigate my report. Due to the extent of the inaccuracies, I request that all information related to this XXXX XXXX account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I am also requesting that the credit bureaus ( XXXX, Experian, and XXXX ) provide me with proof of the legitimacy of this XXXX XXXX account, including any documentation that links this account to me. 
I have attached a copy of my credit report with the disputed items highlighted. I am also willing to provide any additional information or documentation that may be helpful in resolving this issue, including a copy of the police report regarding the theft of my XXXX. 
Thank you for your time and attention to this matter. 
Sincerely, [ Your Signature ]
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX  XXXX XXXX to pull my credit file. I called XXXX  XXXX XXXX on XX/XX/year> and was told that this was an online attempt for a credit card.. this was not me nor did I authorized this, this was a fraud attempt through the internet,, i would like this investigated and have this inquiry removed from my credit report.
Product: Debt collection

This hospital bill is not mine. We were not seen at this hospital. This hospital popped up on my credit 6 or 7 years ago and not sure how it hit my credit again. It is not mine. It is medical. They are reporting late payments it is not mine. Remove from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.
Product: Credit card or prepaid card

Received unsolicited text messages XXXX, over and over saying Ive received a Capital One Credit Card, they use different email but the last characters are the XXXX Ive written back STOP, but they continue
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my first credit card with XXXX on XX/XX/XXXX. 
I opened an account with XXXX XXXX on XX/XX/XXXX and closed it XX/XX/XXXX. 
I opened an account with XXXX XXXX XX/XX/XXXX. 
I opened an account with XXXX XXXX on XX/XX/XXXX. 
My lender did a hard inquiry on my credit on XX/XX/XXXX. 
From this inquiry, I was informed that Equifax does not have a file on me. I was told to open up another card that would report to Equifax so that I am able to get a loan for a home. I researched and found XXXX that reports to all three bureaus. On XX/XX/XXXX I got a notification that this new card has reported to XXXX  and XXXX, but not Equifax. 
On XX/XX/XXXX, I requested my free credit reports from XXXX, and was able to receive all reports except for Equifax, which required me to mail my drivers license and social security card. I went directly to Equifax 's website to request the report, and received error code NH ( which means no hit, or no files found ) and was told to call customer service, who was very rude and ignored what I had to say about the NH error, and told me to fax copies of my drivers license and social security card to get a credit report. I do not necessarily have a need for my credit report, I just needed to see if any cards were reporting to them so I could proceed with my loan. 
Following this, I contacted my current credit card companies, like XXXX who I've had for 2 years 5 months, who, over customer care, verified that they have been reporting my statements from XXXX to Equifax every month. 
It does not make any sense that my lender can not find a file through Equifax, and Equifax themselves say that they have no files on me when my banks have verified that they have been sending a report monthly. I do not see a need to fax my information over just for them to tell me that I don't have a report with them. I need Equifax to properly report the information that they are receiving from my banks so that I can continue applying for a loan with my lender to get my first home.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report for you to finally make efforts on removing these accounts that are affecting negatively me and my future. Because of these inaccuracy, I am having a hard time keeping up with others because of my financial state.
Product: Credit card or prepaid card

I made a purchase at a Gap store a few weeks ago and didn't have my card. When the store rep looked me up, he said I had two accounts. Shortly thereafter I received a new Gap card from Synchrony Bank. I assumed it was an updated card since the new card has the chip and pay wave features so I activated the card. Upon finding the old card to destroy, I saw that the cards had different numbers. I had not asked nor applied for a Gap Visa. I logged in this morning to my Gap account and saw both cards open. I called Gap customer service to close the Gap Visa card and was told that because I had activated it, the close would be effective for both cards. I asked for a supervisor and was left on eternal hold. I feel this was a bait & switch. I would like Synchrony Bank to close the Gap Visa for which I did NOT apply and reinstate my normal card.
Product: Debt collection

They have repeatedly called and texted me all stating that there is activity on my checking account and I need to call to get it taken care of. They stated in a complaint I filed to the Ohio Attorney General that they have sent me a letter regarding this but I have never received " said '' letter. I have complained that they are not identifying themselves as a debt collector which is federal law but it seems to be falling on deaf ears. I have at least XXXX voicemails as proof they have never once identified themselves as a debt collector they have just identified themselves as XXXX  XXXX or XXXX. One voicemail even includes my wifes ' name in it, which has never been done before. The most recent voicemail states that due to my failure to respond I need to call or have my attorney call before the end of business hours. I refuse to pay anything to anyone who is not identifying themselves as a debt collector. For the record, all of the time stamps on the multiple voicemails because I just found more have all been while I was at work and I am not allowed to have my phone on me or answer my phone unless I am at lunch which is after their business hours. I have tried looking them up to verify information they are giving me but they have no physical website. They are also not telling me the amount that is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, XXXX, and transunion all would not show me my report.
Product: Debt collection

Keep calling me while I'm at work I wish they would email me. I told them to stop calling and email me
Product: Debt collection

I am receiving a bill from a collection agency for the amount of XXXX from RFGI Collection. The original creditor is XXXX. This company contacted me via email first and I told them not to contact me again. However, this company is still contacting me by phone and email. I would like this debt removed immediately.
Product: Debt collection

For a few years now JEFFERSON CAPITAL SYSTEM has been trying to collect a debt of {$2000.00} that I'm not aware of, which has affected my credit score immensely. As I have explained to them quite a few times, the debt does not belong to me, and have no knowledge about any transaction nor how my information got to the above-mentioned company. I want CFPB to address this issue and tell them to stop the harassment and take this information off my credit. I do not know what else to do as I have tried to resolve this issue with them.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - 30 DAYS LATE??? ... ..I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed improper reporting of unauthorized inquiries with out proof of my sign wet signature or permission.
Product: Payday loan, title loan, personal loan, or advance loan

**Subject : Complaint Regarding Excessive Fees and Payment Misapplication Dear Credit Fresh Customer Support, I am writing to file a formal complaint regarding the handling of my account. I have been a customer of Credit Fresh and have made regular payments on my {$5000.00} line of credit. To date, I have paid over {$1800.00}, but I still owe more than {$5000.00} on my balance. This situation is both frustrating and unacceptable. 

Upon reviewing my account, I have noticed that the majority of my payments are being applied to fees, rather than the principal balance, despite my understanding that payments should primarily reduce the principal. The fees associated with this account appear to be egregiously highcharging me fees at a rate that seems to exceed 1,000 % APR. This level of charges is predatory, unreasonable, and does not reflect the terms under which I entered into the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of   XXXX   XXXX   inquiry issue '' . i called them XXXX / XXXX /2017 to   make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
 XXXX  had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports.   XXXX   failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my credit score decreased by XXXX points for an account in good standing that I verified with company of card is still open. Credit Karma removed this card from my credit profile causing my score to fall XXXX points. I contacted the bank of card and they have verified that this is an error on Crefit Karmas be-halfand they assured me this account was NOT removed by them. 
Also, I checked today and it has fallen an additional XXXX points due to an addition of a credit card they highly suggested I needed for my credit profile. 
They also told me by removing a delinquent account it would raise my score XXXX points. So I paid account in full resulting in removal of derogatory account. It didn't have a positive result, in fact there was no change to my credit score. 
Currently, I'm most frustrated with the fact they have accidentally or at fault of theirs have unlawfully removed a good standing account from my report for no reason. 
I have contacted them and nothing has been resolved. 
This should be illegal. 
Here in trying to get a mortgage loan and they have ruined that.
Product: Credit card

I got reported on my account a credit card from amex, small business that has nothing to do with me, and I am not responsible for this card, no idea how they got it in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXXXXXX XXXX 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 inaccurate
Product: Credit reporting or other personal consumer reports

I made payment arrangements to lower the payment to XXXX a month, which I kept as agreed. But they marked my credit late and I have never been late and called me through there collection department. It keeps showing XXXX due on my profile and they keep showing me late. Please remove the lates make the payment XXXX for XXXX  months as agreed and as I have been paying on time remove the late and stop collection from calling me. Thank you This is for the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX Credit Card # XXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have XXXX fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion XXXX XXXX # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion Credit FIle.
Product: Debt collection

My Daughter XXXX XXXX, had XXXX student loans with XXXX XXXX. I co-signed XXXX of the loans and my daughter failed to pay the loan back and a collection agency called XXXX in NJ was hired to collect the money. The collection agency without telling me decided to combine both loans and put a judgement/lein against my house. I feel that combining both loans with only my name on XXXX of them should not have been done. Because of that, I had to put up {$45000.00} in escrow so I could sell my house. The loan went from XXXX XXXX to XXXX and they hired their own collection agency called Forster, Garbus & Garbus, which seperated both loans as they should have. I contacted them and I settled the loan with my name as co-signer, with them on XXXX XXXX, 2015. I have been trying since then to get a warranty to satify judgement document to send to my attorney to release my {$45000.00} funds in escrow. I have contacted numerous people so many times and left voicemails hoping to get the documentation and no one returns my phone calls. I called XXXX hoping to get some answers and was told that the collection agency did not report any information about Loan settlement. I am reaching out to you as a last resort hopefully to put some pressure on them so they can treat me the way consumers ought to be treated. 
Thank you, XXXX FL XXXXXXXXAccount with Forster , Garbus & GarbusXXXXClient Ref. No. - XXXX
Product: Credit reporting or other personal consumer reports

I submitted FTC reports Credit bureaus failed to submit proof of account ownership. 
XX/XX/year> I filed a complaint. I was never sent any information on these XXXX accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX