23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my job so my mortgage was transferred to Bayview Loan Servicing. I was working on getting back on track with a three-month trial plan that would avoid foreclosure and allow a modification. 
I made my first payment XX/XX/XXXX. When I called to make my second payment XX/XX/XXXX, I was told that I'd never made the first. It came out of my bank, so I had my bank look to see where it went, and it showed that Bayview put it in the wrong account. ( attached ) I also found out that because I'd " missed '' that payment, they had sent my mortgage to foreclosure. 
At that time, I called several times to get it fixed. An escalation " expert '' told me the only way to get anything to her was fax ( no email, which I later found was untrue. I could have emailed ). I purchased an online fax app to be able to get them what they needed. Still nothing. 
I did call their attorney to find that, at least, the foreclosure was frozen and nothing had moved on it. 
Finally, after nearly a month of calls they fixed it. 
Still there were issues on amounts. They supposedly now have paperwork backdating the first payment. 
I have since completed the three required payments, but the modification would have added 12 years to my mortgage, so I said I would rather just pay the back amount owed in increments. It's listed as about {$7000.00} but that's an issue as well. 
In that is about {$1800.00} or more in legal fees they paid to start the foreclosure process. A process that only happened because of their mistake. There is paperwork in their computer, I was told, that shows they backdated my " found '' payment to XX/XX/XXXX and that the foreclosure proceedings began XX/XX/XXXX. The woman I was working with agreed that this should be looked at. Two weeks later, still nothing. And now my mortgage is due again but when I called yesterday to check in and pay at least this month, I was told I need to do it through the person assigned to me. She failed to call on the appointment they gave me with her. 
And, I have a letter from the company saying that, since I didn't take the modification, I can either sell my house, have a pre-foreclosure sale or give them the deed to my property. 
Really? Because those aren't my only options. But from what I've seen in my brief online research, this company is good at forcing people into foreclosure and taking their property. 
So, I need this looked into. Not just for me but for the other people they may be doing this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

# CFPB Complaint Letter : Identity Theft Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX **Date : ** XX/XX/2025 **Re : ** Identity Theft Complaint - FTC Report XXXX : XXXX To Whom It May Concern : I am writing to file a formal complaint regarding identity theft that has significantly impacted my credit and financial standing. I have already filed an Identity Theft Report with the Federal Trade Commission ( Report Number : XXXX ) on XX/XX/2025, a copy of which I have attached to this complaint. 

# # Personal Information **Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Phone : ** XXXX **Email : ** XXXX # # Details of the Identity Theft Someone has used my personal information to fraudulently open accounts and incur charges without my knowledge or authorization. I discovered these fraudulent accounts in XX/XX/2025. The unauthorized use of my identity has resulted in the following fraudulent accounts appearing on my credit report : XXXX. XXXX XXXX XXXX** - Account Number : XXXX - Fraudulent Amount : {$180.00} - Date fraud began : XX/XX/2025 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} - Date fraud began : XX/XX/2025 XXXX. XXXX XXXX XXXX XXXX - Fraudulent Amount : {$120.00} Additionally, incorrect personal information has appeared on my credit reports, including variations of my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and addresses I have never lived at ( XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  ). 

# # Actions Taken So XXXX XXXX. Filed an Identity Theft Report with the Federal Trade Commission ( Report # XXXX ) XXXX. Notified the XXXX major credit bureaus about the fraudulent accounts 3. Placed a fraud alert on my credit reports # # Request for Assistance I am requesting the CFPB 's assistance in : 1. Ensuring that all fraudulent accounts are removed from my credit reports 2. Instructing the creditors listed above to cease collection activities on these fraudulent accounts 3. Investigating how my personal information was compromised 4. Taking appropriate action against the companies that opened these accounts without proper verification of identity I am prepared to provide any additional information or documentation needed to resolve this matter promptly. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX # # Attachments 1. Copy of FTC Identity Theft Report # XXXX XXXX Credit reports showing fraudulent accounts ( if available ) XXXX. Any correspondence with the companies involved ( if available )
Product: Credit card or prepaid card

Bank of the West had a promotion to open a savings and checking account for a {$250.00} bonus ( XX/XX/2016 ). When I went to open the accounts at the XXXX CA XXXX branch, the staff forcefully opened a credit card account for me without my knowledge until after the fact. I insisted I did not want a new credit card, but they already pulled my credit without permission and did it anyway. The manager was also part of this as he confirmed it was not a hard pull ( it was a lie ). They also gave me a line of credit ( which I also didn't ask for ), based on my credit. The said it was part of the promotion package to build relationship with customer, which was false. No where on the promotion ad was mentioned that a new credit card account was needed to qualify. 

This is fraud and the worst banking practice I have ever experienced. I was so upset I closed the new accounts shortly without waiting for the sign up bonus to post. I also closed the credit card account after sometime. ( I did not close the card immediately to not mess up my credit score. ) This was over 2 years ago, but I just found out about CFPB so I would like to report this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Consumer Loan

I consolidated a Parent Plus Loan with Ed Financial Services in the amount of {$94000.00} since XX/XX/2008. For the past 8 plus years, only {$1600.00} has been credited to my loan with an installment of {$690.00} per month@6.875 %. Granted forbearance on the loan occurred twice with only 2 months withheld. It does not make sense that for the past 8 years I 've been paying regularly and on time and hardly any dent has been credited to this loan. Also, this institution does not credit or help you pay additional towards your principal. They are legally ripping off the consumer in lumps and not helping anyone getting out of college debt paying never ending interest amounts! There has to be a stop to how Ed Financial Services takes advantage in giving out these loans to decent college grads and consumers. How can anyone possibly get ahead in paying their debt for that amount if for the past 8 years a dent has hardly affected or impacted this loan!!!!! It 's totally absurd, cruel and inhumane!!!!
Product: Money transfer, virtual currency, or money service

Hello good afternoon my name is XXXX and I was sent {$35.00} from the US at payment from a job I did. Eventually my friend sent me the money, and used the cash pickup method, I went to all the banks I knew had Western Union to cash out the money and I had my mtcn number with me the bank told me that Western Union service was down so I called my friend and then she canceled the transfer so she could send it another way she then found out that a transfer would take 7 days to arrive we have been waiting for over in months now and the refund has not been processed I do not know what to do and we have tried every means to contact them and she has evidence of that Western Union has blatantly refused to contact her in return or even give us information on how we can redeem.
Product: Debt collection

I am currently in foreclosure with XXXX. I have been dealing with XXXX XXXX at bayview loan servicing and have provided all requested documents to her to try to save my home from being foreclosed however my income has shown to not be enough to support the modification after tiffani informed me it was two weeks ago. Now on XXXX XXXX she informed me that she misspoke and that my income had not been approved as she stated two weeks early. My daughter has been kind enough to pay me for watching my grand daughter to get a bit of income coming into the house. I explained this to tiffani and she is requesting tax documents, paystubs and credit reports from my daughter. She is delaying my modification for these documents that my daughter does not feel comfortable providing when I have offered to provide cancelled checks and a letter from my daughter stating the agreement. I do not see how she can legally request this information and delay my claim for it. This is not my daughters debt and I am not looking to add my daughter on to the account. Please assist me with this business as I do not want to lose my home over documents that my daughter and I feel they have no legal right to ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to get my credit score from Transunion and the score is not available. I have to pay to get the score. Why do I have to pay for this number that dictates my life? I can not accept this XXXX! I do not pay XXXX for their credit score. They update me when there are issues. So why would I not be able to get this detrimental information when I want without paying for it? I feel that you're holding my credit score for ransom and this should be, if not illegal. If your reporting has any determining factor in my life then you should share this information for free and not charge me or anyone for it ever!!!
Product: Payday loan, title loan, or personal loan

BMG MONEY XXXX XXXX AMOUNT OWED XXXX
Product: Debt collection

Portfolio recovery associates after being advise not contact me has repeatedly called me 10 + times all from different number they are not the original creditor and I have asked to not be contacted by phone I also have sent XX/XX/2018 and do not contact cease letter i also have cell phone call log of repeated phone calls
Product: Mortgage

I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a credit report dispute concerning their file number XXXX dated XX/XX/2022 which disputed information contained in this report. My dispute letter was dated XX/XX/2022. They did not respond within 30 days with any corrections as required by ( FCRA ), 15 USC section 1681i.
Product: Student loan

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Property was leased under my name ( without me knowing or approval ), in another state by a neice & a police report has been created. The current rental property owners have given the collections company the + $ XXXX balance to collect. Current new rental owners have depts that do not want to talk to me or responded to my emials, -- becuase collection company is engaged. I have provided collection company copies of TX drivers license, Proof of TX employement, copies of police report. Collection company had my wrong phone number & emial. Property was rented with E-signature during Covid19.
Product: Mortgage

My father passed away XX/XX/XXXX. I am his only heir. The mortgage company at the time, XXXX, would not speak to me even though I repeatedly sent them the death certificate, will and administratrix paperwork. XX/XX/XXXX my property was affected by the flooding in XXXX, XXXX. The loan had then been transferred to Select Portfolio Service in XXXX XXXX XXXX, XXXX, and so I began with them to explain my father was deceased but that I have been making the payments. They transferred the loan to the Estate of my Father instead of to me even though I asked to assume the mortgage and I am the only heir and supplied them a copy of the Will and Administratrix paper work. They sent me a letter today telling me this loan was included in a bankruptcy my father filed in XX/XX/XXXX ( it was not - and if it was why would we make payments through XX/XX/XXXX?? ) I HAVE to have this transferred to my name in order to complete my FEMA paperwork for damages from the flooding. The law was passed in XX/XX/XXXX that children could assume a parent 's mortgage. What will it take to make these people understand this? I am at wits end!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent cfpb lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my final institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but ha also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I applied and received an Ashley Furniture card with 24 months deferred interest. The 24 months expired in XX/XX/XXXX. I called in XXXX to arrange to pay the remaining balance, so that I would not incur interest. I asked and was told to pay {$280.00} which I paid on XX/XX/XXXX. I specifically asked and was told that this would make the account {$0.00} and I would no longer owe synchronicity and money. This was a verbal agreement, that if I paid {$280.00} before XX/XX/XXXX. The account would be paid in full and closed. Since than synchronicity continues to call and harass me saying I owe more money, and late fees. They have added these false charges to my credit report. In 24 months I never missed a payment and this had ruined my credit. When I called in XXXX the customer service rep told me I owed {$280.00} and that would take care of the account. This constitutes a verbal agreement between myself and synchronicity.
Product: Credit reporting or other personal consumer reports

I called and sent letters and filed dispute I have XXXX in writing and no response and the credit bur did nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXXXXXX 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  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion customer service and refused help on getting hard unauthorized inquiries deleted from my credit report today XX/XX/23. The following inquires should be deleted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just opened a XXXX XXXX and noticed Derogatory marks from Americollect XX/XX/2016 saying I owe them {$440.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this so called loan. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Product: Credit card or prepaid card

XXXX XXXX has been requested to be raised TWICE on the credit card. PayPal Credit has proclaimed an adverse action against myself being the consumer. They have also violated my federal protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a zero balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked XXXX XXXX to remove the account they have reporting on my credit report and its been almost 2 months and they have not done anything to fix it. It still says investigation in progress. I would like it removed!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX is reporting lates on my report and I am not responsible for said account. {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX They are reporting an account that does not belong to me on my credit report. I disputed this account and they verified the account with the bureaus and I am unsure how since it do not belong to me. I would like someone to show what they verified this info with.

XXXX XXXX XXXX XXXX XXXX   DE XXXX ( XXXX ) XXXX XXXX is reporting a medical bill that i disputed and showed proof of insurance. They still have not removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows late on both XXXX and XXXX. Requested to be fixed by Fed Loan and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.