23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Yes, I applied for a credit card from USAA in XXXX with a credit limit of {$5000.00} given to me at that time I borrowed from that card {$3000.00} to pay off another card. After that on XXXX I was requested to show proof of who I was I did in XXXX. And then XXXX became XXXX as I was told all will rectified in 2-3 days and then it became XXXX with no resolution. Just multi answers from anyone who picked the phone.And all of this time I would be told not to Worry and that all will be fine.And all through this I was making payment and by the end of XXXX I was then told that my account was to permanently restricted and that a payment due. And at no time was I sent or in any form my statement what I owed neither what the amount due to me.And as of this I am still without any knowledge of the total amount or was is due per month for payment and when I called on XXXX/XXXX/XXXX I was told that I had NO right to receive any statement what so ever. And for payment they would tell that I had several way of payment but I asked I was told to send it by mail with statement, which I have not been given any. ( Note : I only wanted a Credit Card and nothing more )
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i placed an initial dispute with experian which both request have been ignored. this last request was mailed XXXX XXXX and I have confirmation that the letter was received via signed confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My XX/XX/XXXXcredit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mr. Cooper sent letter that they will purchase insurance if I do not supply a policy. I had this insurance policy for years. On XX/XX/XXXX I called XXXX and Mr. Cooper. I got the policy reinstated and uploaded the declarations page. I had to make a payment on the insurance policy personally in order to activate it. Mr. Cooper 's own web site acknowledges the home owner 's policy on XX/XX/XXXX, but per XXXX email on XX/XX/XXXX Mr. Cooper has not paid the insurance and XXXX wants another payment from me in XXXX. Despite using Mr. Cooper 's online agents and calling their customer service I am not able to reach a person at Mr. Cooper in order to address the insurance non payment.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

I am writing to express my extreme dissatisfaction with the failure to comply with legal requirements regarding the removal of fraudulent accounts from my credit report. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Despite assurances from associated banks and XXXX 's completion of their report without these accounts, your bureau has neglected to take action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I applied for XXXX funding and had a completed HAF application pending but Gregory Funding proceeded to foreclosure without waiting for DHCD to finish up the process. I contacted XXXX many times about this. XXXX told me it would work with XXXX ( the state agency rolling out XXXX ) but it never did so and elected to proceed to foreclosure sale where it bid-in the property. So, there was no third party purchaser. 

I believe XXXX violated XXXX law you are required to enforce and its duty of good faith under Maryland regulations. If they did this with me they probably are doing it with others and you are allowing them to do business in Maryland and elsewhere. That is wrong. 

Under Md. XXXX XXXX. XXXX XXXX has a good faith duty to pursue loss mitigation when possible. It was possible in my situation as my HAF application was completed and seemed to be approved by the underwriters. Under 12 U.S.C.A. 2605 ( k ) ( 1 ) ( C ) XXXX had a mandatory duty to avoid foreclosure but it also violated that mandatory duty and proceeded to foreclosure while my confirmed, completed XXXX application was being processed.
Product: Debt collection

I expressed to you that I did not want to be contacted by you anymore. You have since called me twice and emailed me four times. According to, 15 U.S. Code 1692c - Communication in connection with debt collection, you are not authorized by law to continue any communication after I ask you to stop. you are not authorized to send any information to anyone about any transactions or experiences. Since, I see this in my consumer report from XXXX, XXXX, and XXXX, this is an error so would you be so kind to delete this account from my report. Also, under 15 U.S. Code 1692b - Acquisition of location information, when you called me a few days ago, your agent did not tell me who he was, he just repeating can I speak to XXXX XXXX. 
15 U.S. Code 1692d - Harassment or abuse, the agent called and after I said hello twice he hung up and called right back. He never once stated he was on a recorded line or state his name. He harassed me by repeating my name over and over and never saying his name or why he was calling. After being irritated with him during the time he called me during my sleep, he said his name is XXXX then he hung up on me because he didnt want to talk anymore. I called back and the next agent did tell me her name and that we were on a recorded line, I told her to take my number off the call list and stop contacting me because I only deal with people who are respectful and have common sense. 
15 U.S. Code 1691 - Scope of prohibition You can not charge me a high interest because of whats in my credit report. Also, you can not do it because of the color of my skin as this is discrimination. 
Please delete this account from my consumer report and clear the account from me owing anything else thanks! 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; You are reporting Transactions and Experiences and also, I did not give you permission to report this account on my consumer report.
Product: Debt collection

NTL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall XXXX the reporting of XXXX XXXX in the file of a consumer that the consumer identifies as information that resulted XXXX an alleged identity theft, not later than XXXX business days after the date of receipt. is been XXXX  days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY! 
XXXX accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the mer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT eport anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This is a formal complaint concerning the inaccurate and incomplete information that has been reported on my credit file by TransUnion, which I initially raised with them on XX/XX/XXXX, [ XXXX ]. Despite my concerns, the matter remains unresolved. I am requesting the Consumer Financial Protection Bureau 's assistance to address these issues under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I forwarded a letter to TransUnion regarding the following accounts, which have been inaccurately reported and appear on my credit report : XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the right to dispute inaccurate or incomplete information on my credit report. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies investigate disputed information, typically within 30 days, and correct any inaccuracies or incomplete information. My efforts to resolve this matter directly with TransUnion have not yielded any meaningful action or correction. 

Furthermore, Section 602A of the FCRA ensures that consumer reporting agencies maintain accurate, timely, and complete credit reporting. By continuing to report inaccurate account information, TransUnion is in violation of my rights under this law.

Despite my timely submission of the dispute to TransUnion, the listed accounts still appear with inaccurate information, which is severely affecting my credit score and financial well-being. The lack of resolution from TransUnion regarding these accounts is causing undue harm, and I am requesting the CFPB to assist in enforcing my rights under the FCRA and ensure the inaccurate information is properly addressed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) account opened without my consent. 
Victim of Identity Theft fraudulent account opened without my consent. 
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days.
Product: Vehicle loan or lease

In XXXX 2019 I was in beloved in an accident report to XXXX insurance. Was told everything was handle etc. XXXX year later I seen the auto loan still on my credit report. Usaa provided information that car was in XXXX I explained everything to them again. And that I have no idea where the car is. I continue to pay if I had a car. But insurance said a check was issued out and claim is clisef
Product: Credit reporting, credit repair services, or other personal consumer reports

Original debt from XX/XX/XXXX for {$310.00} to XXXX XXXX XXXX XXXX fell off my report in XX/XX/XXXX. Account was apparently bought by Contract Callers Inc and put back on my report with a delinquency date of XX/XX/XXXX and date to fall off listed as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and uncovered fraudulent accounts damaging my creditworthiness. I urgently request the removal of these accounts to restore my credit standing.
Product: Debt collection

I have not received any notification regarding a collection debt through XXXX. I had the debt reported on my credit report but have not received any written notification regarding the debt or an ability to dispute the debt.
Product: Debt collection

I have already paid the balance owed on this account and has not yet been removed from my credit, I have the satisfaction letter but yet no removal on my credit report. ally financial is the creditor ally financial XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses, nor did I authorize these companies to pull my credit.
Product: Credit reporting or other personal consumer reports

PREFERRED XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU {$2700.00} XXXX US DEPARRMENT OF EDU {$1500.00} XXXX
Product: Mortgage

Flagstar has not approved me for forebearance despite my difficulties to pay my mortgage being directly due me being sick for months with XXXX. Im not sure what else to do and am terrified of losing my house. 

I will be able to repay the missed payments over time and just need some help getting back on my feet. 

Flagstar has not been willing to work with me in terms of refinancing or getting a loan modification in place where the past due payments could be moved to the end of the mortgage or the mortgage could be extended. 

Flagstar has also ruined my credit. I thought anything related to Covid was covered under the CARES act and Flagstar has not followed which has had a direct negative effect. Im a single mom of XXXX young children and a XXXX survivor. I work full time and have always paid my bills on time. Covid hit and I landed in the hospital with it unable to work and have had a very difficult time with Flagstar.
Product: Money transfer, virtual currency, or money service

I used Zelle multiple times and money went to the wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.
Product: Debt collection

A Fair Credit Detailing Act ( FCRA ) violation refers to a violation of the government rule that governs the collection, distribution, and use of consumer credit information. You are expected to ensure that the information on my credit reports is 100 % accurate. I am entitled to compensation for this FCRA infringement because I have suffered injury as a result of it. Ideally, this compensation would take the form of DELETIONS ; if not, I will have to convey it to my legal counsel. I demand that these accounts be removed right away because they are not entirely accurate, as stated in my letter.
Product: Debt collection

XX/XX/2019 on this date company opened a collection Account number XXXX {$13000.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Debt collection

As per the attached pictures, I attempted to notify the company that I was a victim of fraud from a previous address and name identity that someone used from XXXX XXXX XXXX, in which I have never resided. I provided proof and filed claims with Identity Theft. During this time, the company filed a small claims court case against me even though I provided proof of my fraud case. I work in the city where they are trying to defame my name. I agreed to pay the debt because I don't wish to embarrass myself in the town I reside and work in. I have never had any court cases filed against me, and this hassle was unbelieveable. Since making all payments and satisfying the debt, the company keeps sending me messages to make a payment plan. I have attached all payments ( via money orders and the receipts I sent to the company ). I wish to have this debt removed from my credit report, not only because it was established via fraud but also because the debt is fully paid as per the receipts attached.