23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in XXXX we completed a trial period then the account rep stop taking our calls or emails. we stopped payments because of ongoing pandemic and personal hardships, Out of the blue we received an offer trial payment modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a {$10000.00} payment! i advised BSI INC, that we would have {$13000.00} some time in XXXX. when We contacted BSI in XX/XX/XXXX saying we have the {$10000.00}, BSI said we now must pay {$26000.00}. BSI sent us a notice of intent to foreclose on XX/XX/XXXX. We have sent BSI many notices asking for reconsideration and reinstatement and another chance a modification along with a copy of a check for {$15000.00}! Meanwhile, we have been receiving calls, emails and texts from investors saying they want to buy our house even though our house has not been put up for foreclosure. We think BSi has never really intended or wanted us to have a modification, We sent BSi a certified letter in XX/XX/XXXX requesting a review of our escrow account. Since that time BSI has not given us a stable monthly payment. Now they have leaked our personal delinquent account information out to investors and are trying to force us to foreclose without any fair chance at a modification.
Product: Debt collection

Today I received a treating message from XXXX XXXX XXXX XXXX. The intimidating message informed me if I did not respond to their message that they would make a decisionthat will harm me. 
THE WAY IT SOUNDED MY LIFE WAS IN DANGER OR SOMETHING TO THAT AFFECT. 
THIS CALL WAS LEFT BY XXXX. PHONE NUMBER XXXX XXXX XXXX XXXX. My case number XXXX. 
In 2006 I paid off the overdraft. I panic like everyone because there was a bad storm approaching XXXX. This bank was with XXXX Bank. Check my credit. This is the only thing that keeps harassing me.
Product: Debt collection

I have contacted this company and they are unable to provide me with the information on my collection account. I need to validate that this account is mine. 

Please provide the following : Details about the creditor to whom the debt is currently owed : Their name and address, the account number they are using for the debt, and the amount owed. 
Details about the original creditor when the debt was created : If the debt originated with a different creditor, provide the original creditors name and address, the account number they used, and the amount owed to them at the time the debt was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from their official name. In addition, please tell me when the current creditor obtained the debt and who the current creditor obtained it from Verification and documentation : Please provide valid documentation to demonstrate that I am required to pay the debt to the current creditor ( e.g., a copy of the written agreement that created my original requirement to pay ). If the debt belongs to someone else, please provide verification and documentation to show that I am required to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Transunion for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need Transunion to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

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

I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureaus one bureu show XXXX missed payments then at another bureau it is reporting XXXX I will like for issue to be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/2024 failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a recent data breach. I request that all accounts listed below, which were fraudulently opened or reported in my name, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts should be removed due to their fraudulent nature : Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$940.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$62.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$940.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$4000.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$630.00} Inquiries to be Removed Due to Fraud : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX 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 XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over XXXX  days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.
Product: Debt collection

XXXX XXXX {$2700.00} opened XX/XX/year> NCB management services {$3000.00} opened XX/XX/year>. 

I have called both places can not get anyone to answer the phone. I have not heard from the companies nor mail or emails. I have disputed both on my credit report.
Product: Debt collection

This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. Previously, I've made attempts directly with them to fix these issues and they are violating my rights. I demand they either pay me in the amount that I am entitled to which is {$1000.00} for every violation I listed or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX
Product: Debt collection

I took a payday loan and couldn't pay back. Two yrs later, received phone call from XXXX XXXX XXXX threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security Disability-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.
Product: Credit reporting or other personal consumer reports

Last year I noticed a significant drop in my credit score on the XXXX website. They receive their information from Equifax. I contacted Equifax several times to find out why my score had dropped from Exceptional to Very Good. I have had Exceptional credit for many years. I always pay all bills on time, and in full each month. The only debt we have is a small mortgage on XXXX of our properties. ( Note : the property value is {$500000.00} and we owe {$180000.00} ) Below is the information showing on the XXXX website. It's been this way for months and no one will fix it. 

Key Factor ( XXXX ) Affecting Your XXXX Score : Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to XXXX Scores. Your score was impacted because your credit report shows XXXX or more accounts with missed payments. 
Proportion of loan balances to loan amounts is too high FICO Scores weigh the balances of mortgage and non-mortgage installment loans ( such as auto or student loans ) against the original loan amounts shown on a persons credit report. Your score was impacted because your proportion of installment loan balances to the original loan amounts is too high. 

Initially the Equifax representative I spoke with told me he could see no late payments or any reason for my score to have changed. Since my credit report is flawless, there is nothing on there to dispute and they say they can not change my score back to what it was. Today, I spoke with someone else who said I show XXXX late payment to XXXX in XXXX. This was new and I am disputing it. Regardless, even if I had XXXX late payment, how can my credit score drop by XXXX points?! Also, the whole issue of my loan amounts being too high is completely incorrect. Some how, some way, what Equifax is reporting on us is not accurate and they say there is no way for them to fix it. They said I had to file a complain with you. We take great pride in our credit and not carrying debt. I have everything possible on automated payment so we never pay anything late. Please help me get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to no avail to work with XXXX XXXX XXXX  I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and XXXX from other who have run into the same problem as I have with this company. 
I have been calling sending letter and getting zero assistance.

I am a service-disabled veteran whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them.

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX purchased my XXXX account from XXXX XXXX, sent me a new card and advised that I would earn 5 % on purchases until XX/XX/2020. When I went to activate card they told since I was an existing customer I did'nt qualify. I declined to activate and requested the account be closed. THEY NOT ONLY CLOSED THAT ACCOUNT, THEY REMOVED MY ENTIRE 15 YEAR PRIOR HISTORY ( see bureau ) I have sent all bureaus copies of this. Since my complaint they have added 15 different remarks to my bureau in an attempt to intimidate me. If you look at my bureau you will see this is an obvious assault on the elderly. They put incorrect information in the bureau daily to change my credit score. I have printed documentation that I will gladly send to you They have nothing to do with my prior history with XXXX ( 15 yrs perfect pay ) so0 what gives them the right to remove this positive info from my account. Why put 15 remarks on my account?, why enter one day a {$5.00} account that does'nt exist then the next day add {$300.00} to it? This is bogus. I XXXX off a XXXX XXXX employee and this is their way off showing me the power they have. This needs to be corrected> Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX somebody fraudulently use my identity to open a cell phone account with XXXX XXXX. Apparently the account was used to purchase items and then the account was never paid. XXXX sent this to the debt collector which in return has put a derogatory statement On my credit resulting in a less score I have been in touch with XXXX XXXX and they did confirm that an email not associated with me, or my name was used to open that account in an investigation was gon na be started by them XX/XX/XXXX is when I was made aware of this fraudulent activity on my identity I then disputed on the same day that I was made aware of this fraudulent account on my credit, I started a dispute with the debt collector XXXX turned the account over to.
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Product: Payday loan, title loan, or personal loan

Subject - PPP1 Loan forgiveness Application. 
SBA PPP Loan Number - XXXX / Lender PPP Loan Number - XXXX Business Name - XXXX XXXX XXXX NJ, XXXX Address : - XXXX XXXX XXXX, XXXX, NJ XXXX Subject : - Loan received against PPP1 from Bank of America Dear Sir / Madam, We received our PPP1 funds on XX/XX/XXXX. It was my understanding the loan amount received with PPP1 was based on XXXX 1st QTR payroll. While applying for a PPP1 Loan forgiveness application I am being told that forgiveness is now based XXXX Income and not based on XXXX 1st QTR payroll. 

PPP 1 Loan amount Received = {$38000.00} ( This amount was approved based on XXXX 1st QTR payroll ). While applying for Loan Forgiveness BOFA portal says it approved for = {$18000.00} ( which is now based on XXXX Income ). The bank is now asking me to return {$19000.00} While we have utilized 100 % of the funds ( {$38000.00} ) which were received in our payroll expenses for the year XXXX. We are being asked now to return a portion of funds. We planned based on the funds received which allow us to retain employment. 

I have made several attempts with Bank of America to look into the matter, but have always hit a brick wall. I have filed an appeal with the Office of Hearings and Appeals on XXXX XX/XX/XXXX. Awaiting response for the same. 

My request is to forgive the balance amount of {$19000.00}. 

I can be reached at my cell # XXXX to discuss further. 

Thanking you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I have recently reviewed my credit report and identified the following inquiries as fraudulent : XXXX XXXX XXXX dealer - XX/XX/year> XXXX XXXX XXXX XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX of XXXX - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> I did not authorize these inquiries, nor did I have any knowledge of these entities performing a credit check. Therefore, I am requesting that these fraudulent inquiries be removed from my credit report immediately. 
Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as a copy of my government-issued ID for verification purposes. I am also including a signed FTC Identity Theft Report and a police report documenting the fraudulent activity. 
Please investigate these unauthorized inquiries and remove them from my credit report. 
Additionally, I would appreciate confirmation in writing that these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Multiple complaints with Comenity bank XXXX 's card, late fees, online bill pay not working, notes on their page saying they apologize for the update to their system still not working ( its been months ) or sorry a technical glitch occurred payment could not be proccessed. 
XXXX made never showing or being deducted from bank account. 
XXXX XXXX same thing XXXX Same thing XXXX XXXX same thing. 
I actually even commented on your page pertaining to comenity back back on XX/XX/XXXX that it was a miracle i was actually able to make an online payment with XXXX, only to find out in XXXX when they started blowing my phone up that i was a payment late, XXXX late fee etc. I argued with the lady and she admitted thayy have had serious issues, understood my frustrations. 
My credit is suffering, my balances not going down because you either cant make a payment, think you did make a payment and they show nothing. Ive already had XXXX complaint in with cfpb, you handled it, however it started all over again. They are absolutely horrible
Product: Checking or savings account

I went on vacation tried to call my bank to let them know I was going on vacation adn they will soon see fund in a differetn area being used. The bank said I had to go into my local branch in person to fix any issues and never would tell me anything but this. 

I came home and I am having the same issue. I havebeen at work constantly and dont have time to go in person. I have called and they will not tell me anything only that I have to go in in person. 

I have had numerous issues with this bank and once this is fixed I will be fully leaving this bank.
Product: Debt collection

this account just open XX/XX/2019 ( 2 mos ) Account status Open Type I have no idea where this come from but i have Identity death I am thinking that's what i am happened they have my police rapport
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, all the purported creditors have violated my rights. Under 15 USC, 1681, Section 602 insures my right to privacy.

Under 15 USC, 1681, Section 604A, subsection 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC, 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I demand all of these unauthorized reportings to be removed from my credit record immediately. 

Sincerely, XXXX : XXXX, XXXX. BENEFICIARY
Product: Debt collection

Salary garnishment of almost double the debt. 
Court judgement of which I had no knowledge of a court date. 
I had another garnishment by the state at the same time. 
Retrieved the Court document after the fact which stated NOT SATISFIED by the court. 

Name of the company is Capital One