23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 1 ) Account name : XXXX  XXXX XXXX Account number : XXXX ( I didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
Status updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

2 ) Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : $ XXXX  Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

3 ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : $ XXXX  Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

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: Debt collection

I paid a settlement amount of {$180.00} on XX/XX/2025. This cleared my bank on XX/XX/2025. The representative of debt collection agency assured me that I would receive a letter confirming my account was resolved after my payment cleared on their end. I called XX/XX/2025, spoke with the same representative and requested the settlement letter confirming my account with XXXX XXXX XXXX XXXX was resolved. I received an email during the call on XX/XX/2025 with a letter attached that stated " Upon clearance of your check/funds through the banking system, your account will be considered resolved. '' I advised the representative of what it said and he stated that the letter was not the settlement paid letter that I should be receiving. I then responded to the letter asking for a confirmation that my account has been paid and resolved. I received a reply back stating that XXXX XXXX XXXX does not have a letter that states that and the only letter approved by their attorney is the one that doesn't confirm the account was paid and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help.
Product: Debt collection

ERC has contacted my before for this same account. And just like before I told them I have never had an account with XXXX and I do not owe XXXX any money. I have been on my wifes account with XXXX for over 17 years. ERC removed this from my credit report and told me they were closing the account. Now they are coming back at me again 2 years later for the same exact thing. This need to stop. They need to remove this from my credit reports, they need to close this account and they need to leave me alone.
Product: Credit reporting or other personal consumer reports

Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Financial Protection Bureau I sent a letter to Oxygen Recovery Group ; also referred to as OXYGEN XL disputing an account as erroneous on XX/XX/2021, and mailed OXYGEN XL a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from OXYGEN XL. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), OXYGEN XL has ( 30 ) days to investigate my dispute. OXYGEN XL has not verified the information within the 30 day time period, OXYGEN XL must delete all of the disputed accounts from my report. OXYGEN XL must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to OXYGEN XL and a copy of my original letter showing the account I have disputed. Thanks in advance to your timely response to this request. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> To Whom It XXXX Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information. 

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, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX  Account Number XXXX Please remove this information on my credit report. 


XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX Please remove this information on my credit report. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I have had my credit report used for promotional purposes by a person or institution whom did not have my permission to use my consumer report/credit report. As a result, there has been hard inquires added to my credit report without my authorization. These reported hard inquires do not belong to me and i have no association with these banks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting a debt of {$130.00} on my credit report and I am unaware of ever incurring this debt. I want proof that I signed for this debt or be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 'XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times information regarding the reporting of information. GM Financial is reporting to XXXX  not more than 4 payments past due and with XXXX  90 days past due. I did receive a letter from the company requesting additional information from me. I have paid off this moan and have received the title to the vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX experian all have failed to delete paid off accounts
Product: Debt collection

My best buy credit card is often late, but we pay more then the minimum when we are able to pay it. Yet they still call 2 times a day. My credit report has it as current and no past due, yet my. Credit score is tanking.
Product: Mortgage

In XXXX  home loan serve illegally took my house I did get behind on payments and I know there is programs to help that and home loan served kicked me out of every single one of them The XXXX XXXX make three payments on time I was struggling at that point and I called my loan counselor and told her on Saturday The money 's in the account for the last payment take it out My phone 's getting shut off on Sunday so I won't be able to call you and she has taken money out of our account many times before this she did not take the money out and we got kicked out of that program we tried to file a complaint on our loan counselor in the head guy till this we had no grounds to stand on after that they told us if we paid half of what we owed we keep us from foreclosure so I went down and got a title loan on my truck that I just paid off and we had to have it in that day My wife took it down to XXXX XXXX and deposited it into their account right at XXXX and there's no history of it it they said they never got the money it was {$2400.00} and at the end the paperwork they sent us it was nowhere to be found and the XXXX XXXX payments was nowhere to be found either I was already struggling to make my mortgage now I had to make it {$600.00} a month payment to keep my truck and my house was still being foreclosed which never went up for public auction I contacted them the day of the auction and told them I could get the money and they would not give me anytime to do that they sent me some encrypted message about how much I owed when I asked and the message only lasted like 2 minutes never seen anything like that before and they would not give me time to pay them they sold my house to somebody in Nevada that I'm sure already had it before or foreclosure did not go up for auction there's no record of our house being put up for auction and they did not allow me to pay them I had a friend that was going to loan me the money that day to pay it and they wouldn't give me the time and when the guy came that bought my house I got his number and I told him that I know they illegally stole my house and I had an uncle coming in that was a lawyer trying to intimidate him or scare him and he literally did not touch my house for 6 months until the limitations was up I had no idea I had any grounds to stand on because of my loan counselor I even contacted legal aid back then and the first lady I talked to told me I had a case and told me that she was going to get a hold of her lawyers to call back in 1 hour and when I did another lady answered and I gave her my information and she called me back saying that they was no funding for foreclosures and thank you have a good day and hung up the phone
Product: Credit card or prepaid card

Hi, I have a XXXX Visa Credit Card. The reason I got it is because I make purchases via the XXXX XXXX often and liked the idea of getting rewards points. Since XXXX none of my points have transferred to the Sony XXXX XXXX I contacted both parties and they were only able to tell me they are working on it and to be patient. It has been over 2 months at this point. 
I want real answers and I want my points. I use them often so this has really hindered me and neither party seems to care.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures 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 losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I wanted to start building my credit and checked XXXX XXXX I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. XXXX  refuses to remove the fraudulent collections account from my credit report. I believe XXXX is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. XXXX  refuses to remove this debt and I am not sure what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, XXXX XXXX XXXX. I submitted a complaint in regards to Identity Theft, complaint ID XXXX. Pursuant to 15 USC 1681c-2 you are in violation of the FCRA and willfully violated my Consumer Rights according to the law. I have provided proper proof of Identity, an Identity Theft Report, identification of such information, as well as a statement. Pursuant to 15 USC 1681 c-2 - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

You are outside of the given timeframe allotted by the law to provide a fair and equitable resolution for the Consumer, myself. YOU BROKE THE LAW! I requesting that all information is deleted from credit file.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports