23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loss mitigation paperwork filled out any sent in, denied because lack of earned income. So, then I was able to fill out another one because I got income. I turned it it, with 7 days of foreclosure like the new letter stated. When they received it, they said I only had business days and real time. They discriminated me, I filed a complaint, they denied it but postponed foreclosure. So I was able to fill out loss mitigation paper work again on XXXX/XXXX/XXXX due by XXXX/XXXX/XXXX as stated in the letter. I filled it out and had it sent in by XXXX/XXXX/XXXX but they did n't receive it until XXXX/XXXX/XXXX ; but they did n't accept it because they stated that there was a different due date then what the letter stated. The problem is on XXXX/XXXX/XXXX they denied me my rights to loss mitigation, they are n't following the laws of SS 1024.41 ( h ) ( 2 ) deadlines. They are not honoring the letter and now there is only 3 days until foreclosure. 

They have been evading my application all year. And as soon as they found out I had a XXXX they acted like I already lost it and would n't accept my application. This is for US Bank, XXXX. 

They never sent me a denial letter and I read that they should n't be able to continue the foreclosure process until I do receive it. I have heard nothing. I am a single parent doing everything they requested and still they denied me what the letter said was available to me. I followed the guidelines, I still have the letter with the deadline of XXXX/XXXX/XXXX. They changed their rules and did n't tell me.
Product: Checking or savings account

I had illegal charges on both of my checking accounts from XXXX. My account was illegally charged on both checking accounts that Synovus paid. I disputed these transactions and Synovus never ever investigated. Because of this every transaction that was deposited into my account also went to these illegal transactions. I have called Synovus multiple times because of this to no avail.

Synovus has a history to doing this to certain customers. This bank need to be investigated.
Product: Debt collection

Hi, I got a {$350.00} dollars bill from XXXX XXXX XXXX, this is wrong as I am insured and it is not the first time this happens, last time I called the Dr 's office and asked to check with my insurance and yes it was corrected, in this occasion when I called the office it was too late and now I am trying to fix this with you.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX  Account number XXXX Date opened XXXX XXXX, XXXX XXXX Closed Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX Account number XXXX XXXX opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX Account number XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX  Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00}
Product: Credit reporting or other personal consumer reports

This debt is considered a chargeoff, however this is actually considered income because I should have received a 1099 C in order to account for this as income. This is not a charge off I am requesting this is removed because it is not debt. This is considered income and income should not be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported unfair and inaccurate information with a total disregard to my right to privacy on my consumer report in the form of 11 unauthorized inquiries dating back to 2019 and this is unacceptable and in violations of my consumer right pursuant to 15 USC 1681. The inquiries were eventually deleted after continuous disputing and deletion is admission to law violation! I never gave written instruction to any consumer reporting agency or person to report this information on my consumer report pursuant to 15 USC 1681b. I, the consumer is aware and have proof that equifax is civilly liable for any actual damages sustained by the consumer for knowing noncompliance 15 USC 1681n. Affidavit of Truth sent to equifax was notarized and signed.
Product: Debt collection

This company radius global solutions has been reporting in accurate information on my report. I previously disputed them because the collection is not mine was removed from my report and they had placed back on there. They are not licensed to operate in my state therefore, there are infringing on my rights ; as well as operating and attempting to do business in a state they are not licensed to do business in.
Product: Checking or savings account

On Tuesday XXXX XXXX Cash App allowed an individual to fraudulently withdrawal funds out of my bank account in the amount of {$3300.00} they were not authorized by me to use or make any withdrawal from this account. Unauthorized fraudulently that happened a lot with this company and they need to be held accountable for this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling Experian about credit inquiries I don't recognize and they're claiming I can't dispute hard inquiries but there's quite a few inquiries I don't recognize on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy that has been discharged since XXXX> and I have contacted transunion, Equifax and Experian since 2022 and I have disputed this for years and it keeps coming back verified Ive contacted the is bankruptcy court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately I did not authorize my personal information to be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a credit card from XXXX XXXX XXXX beginning in XXXX of XXXX. I wrote letters to XXXX XXXX and the XXXX credit reporting agencies requesting proof of where the debt came from for the past 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO 0BTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXXXXXX XXXX XXXX ****Account closed XXXX XXXX XXXXXXXX XXXX ****Account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Cap One-My name is XXXX XXXX-XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by Capital ONE I have been impacted by XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with Cap One and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from Cap One before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have submitted dispute to the credit bureaus on numerous occasions to get these fraudulent items removed. These items still remain on my credit reports, but have not been verified by me. I have not seen a contract or my signature on any of these accounts. I have the right by law, to be shown how an account is proven to be mine, and the credit bureaus have not done that,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXXXXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX
Product: Mortgage

When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : 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, credit repair services, or other personal consumer reports

Hi, This is a complaint after I tried to reach Transunion and placed a fraud alert on my credit i found much activity on my credit from XX/XX/2019 to XX/XX/2019 and i didn't notify or applied for anything, see much Unautorized inquiry left on my credit
Product: Checking or savings account

I went to the bank to open an accout and when the banker got my information she said she couldnt open my accout that is shows SUSPECTED FRAUD ACTIVITY which im confused and i had a situation before when i was robbed and my wallet was take and police report was files about identity theft and it has been resolved and now i want to open account and it not leting the bank help me open the account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer 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 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.
Product: Vehicle loan or lease

RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX. 
According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law. 
A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness.

In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.
Product: Checking or savings account

Someone took money out of my savings account, transferred it into my checking account and then withdrawal it to their account without my permission I dont know this person or I dont know the account that this money was withdrawal to. I did a claim with cash app and they took 10 days to investigate and they they said that this was either authorized by me or that I transferred it but the money transfer to an account ending with XXXX and this account if they look it up and they really did investigate they would see that this is not my account. I dont know whose account this is for, but they didnt even bother to investigate. They just said that they investigated, but they didnt because if they really look at the issue and see where the money was transfer to they would know that this account does not belong to me that where the money went to. And they have no one to talk to you when you called the customer service they keep telling me to email the claim support but I email back-and-forth the claim support and they just provide me with nothing. I asked them to just prove to me to show me how they came up with this decision and they provide me with nothing.
Product: Debt collection

I RECEVIED A COLLECTION LETTER DATED XX/XX/year> CALLED XX/XX/year> TOLD THEM I HAVE NEVER LIVED IN GEORGIA AND NEVER OF THE CITY AS WELL ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) THEY WERE SUPPOSE TO CONTACT THE APARTMENT COMPLEX AND GET VERIFICATION IT WAS ME. CALLED TODAY XX/XX/year> TO PDM DEBT MEDIATION THEY HAVE NOT DONE ANYTHING TOLD ME TO FILE THIS AND CONTACT LAW ENFORCEMENT BUT I AM IN SOUTH CAROLINA SO AFTER GETTING NO WHERE I CALLED THE APARTMENT COMPLEX MYSELF SPOKE TO A LADY NAMED XXXX SHE FOUND MY NAME THEY HAVE NO INFORMATION ON ME OTHET THAN MY NAME. THE EMAIL THEY HAVE ON FILE WAS NOT MINE THEY HAD NO SOCIAL AND NO COPY OF DL FOR PROOF THAT IT IS ME. SHE SAID IT WAS WITH ANOTHER PERSON XXXX XXXX I THINK WAS THE NAME SHE WOULD NOT REPEART THE NAME AGAIN AND BASICALLY SAID IT WAS NAME AND ALOT OF PEOPLE HAVE THE SAME NAME. I WANT THIS ACCOUNT CLOSED AND PROOF SENT TO ME THAT IT WAS BEEN DONE AND I AM GETTING NO WHERE WITH THE COLLECTION COMPANY AND NOW APARTMENT COMPLEX THEY BOTH KNOW IT IS NOT ME AND THEY DO NOT HAVE ANY PROOF IT IS ME.
Product: Debt collection

Repeated ( daily ) calls from " Nissan XXXX '' asking to speak to a person who does not ( and has never ) lived in this house. Impossible to speak to a human about this, these are robocalls. Calling number is XXXX or XXXX ( or a variation ). No one in this household has or ever had any dealings with Nissan XXXX.
Product: Student loan

I have a HUGE private student loan debt from Navient formally known as XXXX in the amount of {$37000.00}. It was n't until I graduated from college that my parents and I realized that we had a private loan instead of a federal student loan. My parents and I felt we were manipulated into getting these private loans by not getting clear concise explanations before signing up for these loans. They started calling me constantly about loan payments when I graduated from college with my XXXX, stating that I had to start paying on my loans after six months. When I complained about not making enough money or having a job in my field of study to pay my loans every month they put me on " Interest Only Payments '' for five years in which I was paying {$150.00} every month only to find out that my loans were still going up! 
Now when they call me constantly about my missed payments and when I complain every single time I speak with them about not being able to afford it being that I am the main breadwinner in my household supporting my wife and myself ( with utility bills, rent, groceries and etc ), the only option they give me is a " forbearance payment '' of {$150.00} which is to stop the harassing calls to my parents ( who cosigned on the loan ) and myself and make my loans current, but by doing so will add it on the backend of my principle loans making my loan amount go up even higher! Thanks to Navient/XXXX hurting my credit score its tough for me to get a decent job in my field of XXXX because of some Employers doing credit checks. They 've also hurt the credit scores of my retired parents which is despicable in my opinion because they cant afford to pay on my loans either. Navient do not have any reliable resources or options to help people with private loans and helping them succeed in a financial future.
Product: Debt collection

On XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a debt collection representative of Crown Asset Management LLC, called asking for information and location information on me to a family member He was told by family member that they could not verify any information. He hung up ; However, a few minutes later he called again and stated that he knew this family member knew where I was and to just tell him in a threatening and harassing tone repeatedly to try to intimidate information from here. He also did not want to let family member off the phone with out location information.