23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a forebearance as a result of my financial hardship due Hurricane Irma. I repeatedly attempted to work with Seterus regarding a modification. Three days prior to the forebearance expiring, Seterus informed me that I am not eligible for a modification because the loan has been modified 3 times already. One of the modifications was due to funds received by the State of FL due to the hardest hit program. The other second modification had an incorrect amount and the third modification was done to correct that amount and lower the interest rate. Seterus wrongfully denied me the modification. I am a XXXX year old veteran of the XXXX XXXX and I submitted all necessary paperwork to have the modification approved. I only asked that the back payments be added to the principal balance and the loan recalculated.
Product: Debt collection

I XXXX XXXX have tried to invalidate several negative collection accounts placed on my credit bureau from a company called ACS EDUCATION SERVICES. My attempts to obtain proof that this agency was even in the chain of ownership on several student loans has fallen on deaf ears. I hereby submit a qualified written request for all education loans either posted on various credit bureaus, or loans that ACS EDUCATION SERVICES states they had a right on servicing of said accounts. A qualified written request ( QWR ) will either validate or invalidate the right to my personal information, either from a collection stand point or an ownership. If a QWR can not be submitted, it means that ACS never had a position on any of my student loans and that my file ( s ) must be purged and all references to a collection process on my credit bureaus must be deleted immediately. The US Department of Education will be notified of this request as well.
Product: Credit reporting

XXXX XXXX Bank is a Fraudulent account that was setup as a result of id theft. I contacted both XXXX XXXX Bank and Equifax to notify them of that and ask they block it under the FCRA Section 605B and 623 ( a ) ( 6 ). Equifax responded it was deleted from my Equifax report, it however has now reappeared on XXXX and is stopping me from getting a home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and change a few numbers and put it back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them
Product: Debt collection

i sent the ma letter on XXXX, requesting validation of debt, per 15 usc 1692g and 12 cfr 1006.34c for this alleged debt that i don't owe and i haven't heard from them concerning this matter.I am asking that this information be deleted from my credit report
Product: Credit card

In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract.
Product: Debt collection

I am writing to formally dispute the eviction judgment entered against me in XXXX XXXX, Texas, under XXXX XXXX XXXX. The judgment was issued on XX/XX/XXXX, in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a default judgment for {$1600.00}. I believe this judgment was issued improperly due to lack of proper service and procedural deficiencies under Texas law. 

Background & Dispute Details The case was filed on XX/XX/XXXX, and the default judgment was entered on XX/XX/XXXX. 
I never received proper notice of the lawsuit or court hearing, violating my rights under Texas XXXX of XXXX XXXX XXXX XXXX. 
The claim amount was {$820.00}, but the final judgment amount was {$1600.00} with added fees and 5 % post-judgment interest, which I did not have the opportunity to contest. 
The court record includes an XXXX for XXXX XXXX ( XXXX XXXX ), but I was never personally served or made aware of any attempts to deliver court documents. 
This judgment is negatively impacting my credit report, rental history, and financial standing. 
Legal Basis for My Dispute XXXX. Violation of Texas XXXX of Process Laws ( Rule XXXX ) Under Texas Rules of Civil Procedure XXXX ( b ), a tenant must be served personally, by mail, or by posting at the premises only if personal service was unsuccessful. If alternative service was used under XXXX XXXX, the plaintiff must prove diligent attempts were made to serve me directly, which I contest. 

XXXX. Grounds for Motion to Set Aside Judgment ( Rule XXXX ) According to Texas Rule of Civil Procedure XXXX, a defendant can request the court to set aside a default judgment if : They were not properly served ( Rule XXXX & Rule XXXX ). 
The judgment was based on an error or misunderstanding ( XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX ) ). 
They have a meritorious defense and can show good cause for reopening the case. 
Since I was unaware of the case until reviewing my records, I meet the criteria for setting aside the judgment. 

XXXX. Potential for Expungement ( Texas XXXX XXXX XXXX ) If an eviction judgment is found to be improper or unfairly issued, it XXXX be eligible for expungement under Texas XXXX XXXX XXXX, particularly if : The case was later dismissed or settled. 
The tenant was not properly served. 
The landlord failed to follow proper court procedures.
Product: Debt collection

I received a notice from Southwest Credit Systems , LP on XX/XX/2022 claiming I owed an alleged debt to their company in the amount of XXXX I responded through certified mail with return receipt for my own evidence and ask for verification that I owed this debt. I never received a response, according to the FDCPA Southwest Credit Systems LP was supposed respond within 30 to 45 days failing to do so is a direct violation to my consumer rights. I wrote them back a second time and ask for verification again the notice went unanswered again. This agency was supposed to stop all collection activities and reporting to the bureaus until they provided a contract bearing my signature and other documents for verification that I owed this company anything and they failed to do so, furthermore I never gave them permission to report anything on my consumer report according to FCRA 15 us code 1681b that's a violation of my consumer rights as well.
Product: Debt collection

Received a Debt from AR RESOURCES INC {$260.00} DEBT WAS DISPUTED. RECEIVED A LETTER FROM THIS COMPANY. 
Please be advised that your above referenced account has been closed in our office. 
AR Resources, Inc. will notify the credit bureaus to have this account removed from your credit report. 

I checked my XXXX credit report and this is still listed on my credit report. This was disputed with XXXX and they advised that it was verified. How can this be verified when AR Resources has advised account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I filed a merchant dispute with XXXX  XXXX XXXX credit card services with credit card ending in XXXX and according to the FICO score from XXXX XXXX Credit Card Services my FICO XXXX Credit score was around 776. 
The XXXX XXXX score was around 771. just Yesterday, I discovered that my XXXX credit score wet down 133  points to XXXX. 
Today I just checked my Transunion credit report and score and found that even though my credit report from Transunion is clean with no derogatory information with no inquires, no public accounts, no collection accounts and every credit card I have was paid on time, I still have a credit score of XXXX. I am enclosing a copy of my Transunion credit report and score for your review. 
================================================================ What I would like the CFPB to do is to look into this and to determine what could have caused this dramatic change in my credit profile since this was very sudden and unpredictable.
Product: Credit reporting or other personal consumer reports

**Subject : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to formally request an update to my personal information as it is reflected in your records. Please ensure that the following information is accurate and is the only information associated with my accounts : **Name** : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX **Employer** XXXX XXXX XXXX XXXX - **Social Security Number** : XXXX - **Birthday** : XXXX - **Phone Number** : XXXX
Product: Checking or savings account

On XX/XX/XXXX my debit card was stolen and use in a unauthorized matter when I called the bank they said they were going to send me the disputes forms to fill out when I received them they sent me the complete wrong dispute it was someone else 's so they never gave me a chance and denied my claim in less then 24hours also they said they denied because I had deposited money in my account the day prior and that the perimeter which the transaction occured was close to my house i told them my phone which contains my debit password was also stolen so basicly i cant deposited money in mt account because its suspicious which is ridicolous i also have a police report along with the wrong dispute form the bank sent me and never fixed it
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, consumer, am ware Chex System is reporting false and inaccurate information on my consumer report which is causing my credit application to be denied or delayed and causing me emotional distress. I am requesting a copy of my most recent Consumer Report. Please see the attached. XXXX XXXX All Rights Reserved UCC 1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I tried calling rent debt automated collectors and they are refusing to speak with me now because I filed a complaint I have been a victim of identity theft. They say I owe XXXX XXXX XXXX for XXXX at XXXX XXXX however I spoke with XXXX who say they no longer own this property so how do I still owe not to mention I never stayed there they did give me more information and say it was because of application fees but I have never been there. I have a police report and ftc report. then I spoke with XXXX at XXXX XXXX who is own by XXXX XXXX now and they say I have no balance and printed me a ledger. However rent debt automated collection refuse to remove from my report or talk to me about whats going on. Also they say I owe XXXX XXXX and they have fix this issue but rent debt will not update this wait for XXXX XXXX and XXXX XXXX. Below I have attached additional documents and corresponden
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2021
Product: Debt collection

On XX/XX/year> at XXXX XXXX, and again on XX/XX/year> at XXXX XXXX, I received a call from XXXX with a caller ID listing of XXXX XXXX XXXX. On XX/XX/year> at XXXX I received a call from XXXX with a listing of " XXXX ''. On XX/XX/year> I answered the call from XXXX and was advised that the caller was calling from Sequium Asset Solutions , LLC, a debt collection company. I pointed out that the caller ID indicated the call was originating from XXXX XXXX, which is a legitimate power company located in Texas, but was told she was not aware of why the caller ID would indicate this.The company is intentionally providing false information to consumers in an effort to get the consumer to answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00}. Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX  and XXXXalong with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Credit card or prepaid card

I was trying to debt consolidate and move the amount I owed on the Wells Fargo credit card to my other credit card. I had first try to do it online but then the process was rejected and so I called and they told me I had done it wrong. On XX/XX/XXXX. I had an employee complete the transaction for me so that it was done correctly. Then for me that I should have no problems, and that everything was done correctly. a couple days later on XX/XX/XXXX my card was closed with no explanation. They claim they sent out mail but there is no way they could have sent mail and I had received it within just a couple of days. They said it was because of those two attempts to move the funds It was considered fraud. Again, I was not aware a bank was able to just close that account without calling or making sure if it was fraud. I explained that to them and no one ever got back to me. I kept calling and calling and calling and no one ever had any answers. Since then I have gone through financial struggle and my credit completely plummeted. I want to take legal action, but I was in the middle of having my first child, and I had too much to deal with to keep calling and haggling with them when they knew it was their fault. Below is a list of all the conversations and times that they should have even on their record. They record phone calls, so they have this on there and also. I have been a customer since XXXX and it is extremely heartbreaking All my hard work has gone to waste. 

Called to complete transaction : - XX/XX/XXXX Card Closed - XX/XX/XXXX ( Mailed of info about card ) Case Opened - XX/XX/XXXX Case Closed by bank - Case # : XXXX - XX/XX/XXXX ( XXXX ) XXXX Case was closed because the issues was resolved - Only point of contact or follow up was through mail Follow Up Call - XX/XX/XXXX - new case # created : XXXX - Intake group department # to follow up XXXX - Hours : M-F XXXX central time - Will be contacted within 10 days, stated by employee
Product: Credit reporting or other personal consumer reports

FCRA 605B says we got ta erase wrong stuff from my credit report. Can you look at the papers? Some accounts listed are wrong about what they say, like the money and dates.
Product: Checking or savings account

TD BANK REFUSE TO OFFER THE PROMOTIONAL OFFER. 
I opened a checking account in TD Bank InXX/XX/XXXX. And they have a welcome bonus at that time. If the customer make the {$2500.00} direct deposit, the customer will receive {$300.00} bonus from them. After I had done that, I called at least three their representatives to ask my eligibility And when I can receive the bonus. Their representatives told me I was qualified and the only thing I need to do is wait. However, I had waited for 5 months And haven't received my bonus yet. Therefore, I called to their representative again, but this time they said I was not eligible for this offer. How could this be! When I opened this account, the banker said I was qualified and I also called at least three representatives in XX/XX/XXXX. Both of them said I was eligible. They are totally cheating the customer.