23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage maturity date is in XX/XX/2021. We are elderly and have lived in this home over 50 years. We will not have the mortgage paid off by that time. We have spoken to people at the company 3 times. We have been sent hardship, and mortgage modification papers to fill out so we can resolve this, and be able to stay in our home. Our daughter has filled out the paperwork for us three times, and sent it back in. We have been rejected all three times, even though we sent in everything they needed. Their excuse on the letters is that our credit score is " too high '', or we need to wait until we are in default before we can get a modification. If we go into default, they will foreclose. I do not have specific dates, but I kept all letters of denial they sent us back. They refuse to work with us, and give us excuse after excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have filed a direct dispute with Experian.Experian failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue Experian And XXXX for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also XXXX failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX Account number XXXX XX/XX/2019 3.XXXX XXXX XXXX Account XXXX XXXX XX/XX/2019 2019
Product: Debt collection

I had an account that i got behind on that ended up going to collections. Then a company called Collins Asset Group brought the account from XXXX XXXX. The issue is both accounts are still showing up on my credit report and i have disputed both twice and now i can't anymore and they are still on my report. I want the old XXXX XXXX  moved off since it was brought by another company.
Product: Checking or savings account

I asked him for an audit of the account they refuse to close accounts. They return payments when money is in the bank. I had to go in personally to close the accounts to only have them still remain active. Have current pictures to prove so. I would love so, like the money returned, and the surcharges for the return payments as well. I am having issues with uploading documentation. If you could send a link, I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received an email from Navient on XX/XX/year> informing me that all three of my loan accounts were put into forbearance. I had not authorized this and do not wish for my loans to be in forbearance. I called Navient on XX/XX/year> and requested that they remove the forbearance from all three of my loan accounts because by putting my accounts in forbearance without my authorization they are increasing the amount of the debt by only adding interest to the principal. The Navient representative told me that she could not remove the forbearance from my accounts. I informed her that I want the forbearance removed from my account today and I requested an email notification of this. She said that she will send communication about it within her company, but she would not confirm that I would receive email communication about the request/change. I then received notifications from my credit monitoring applications that Navient had reported to the credit bureaus that my XXXX loan accounts were in forbearance. I attempted to contact Navient again on XX/XX/year> to submit another request, and my calls are not being answered. I am being left on hold for XXXX minutes.
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 ACOUNT NAME XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U S Department of Education XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having great difficulty attempting to negotiate with Paypal credit they keep calling my phone relentlessly. I have explained to them that I had to leave my previous occupation to care for my mother. I am currently working a part time ( 15 hours a week ) minimum wage job and can not afford to pay balance they are requesting. They have refused to negotiate my debt and refused to honor a payment planned that was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with an account and inquiries I did not authorize.
Product: Vehicle loan or lease

On XX/XX/XXXX, I refinanced my auto loan from Nissan Motor Acceptance XXXX to the XXXX University XXXX XXXX XXXX ( XXXX ) A payoff check from XXXX was paid off to Nissan in the amount of {$10000.00}. I inadvertently submitted a " Bill Pay '' from my checking account with the XXXX XXXX XXXX covering my loan payment of {$250.00} on XX/XX/XXXX. I called Nissan to inquire about my overpayment and asked to be reimbursed for the excess payment, and they told me I would receive a check within 10-15 business days ( from XX/XX/XXXX ) On XX/XX/XXXX, I still did not receive the check. I called Nissan again and was told that the check was rejected and sent back to the XXXX XXXXXXXX XXXX. On XX/XX/XXXX I went in person to the XXXX  XXXX XXXX branch in XXXX, Massachusetts, and they confirmed that the check had not been returned to the bank or to my account. They also confirmed that Nissan cashed the check of {$250.00}, and the funds were withdrawn from my account. I have tried calling and emailing Nissan several times and as of today, XX/XX/XXXX I have not received my overpayment reimbursement of {$250.00}. I am attaching documents and correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within the exact timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00}.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent proof of these unauthorized inquires to Equifax and XXXX XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.
Product: Debt collection

Portfolio recovery is purchasing bad or old debt that has been charged off. I think like 4 or 5 different things.they constantly robot call from different numbers and such. Now they are trying to garnish wages. They harass us and its ridiculous at this point. They are rude and threaten with things all the time. Amounts are changing they are just dirty
Product: Mortgage

In XXXX I was pre approved for a home loan. End of XXXX I gave the go ahead to proceed. The loan officer XXXX XXXX didn't write anything up right. My out of pocket expenses kept changing. After having {$430.00} removed from my account on XXXX for appraisal, nothing happened. I was assigned to XXXX XXXX. Her customer service was horrible. Would not correspond with me hardly at all. Then after 2 weeks of waiting for her to respond I was notified she was no longer with us bank. I was never notified or assigned to a new loan officer. The appraisal was finally done, but was told that I had to do repairs to the house before the loan could proceed. Im buying the house as is. Its in the contract. I told the loan officer to cancel the contract with us bank. After 3 months I'm no further along than when I started. I'm formally requesting my {$430.00} back since NOTHING is done
Product: Credit reporting or other personal consumer reports

on XXXX, i sent all XXXX CRA 's a letter disputing the inaccurate information they are placing on my credit report. They are in violation of 15 usc 1681eb and 15 usc 1681s-2b because i inform them that they are reporting inaccurate information on my credit report.

they need to update my personal information as well to on my name and my present address, the other information are inaccurate and need to be deleted
Product: Vehicle loan or lease

Hi, The company keeps calling and harassing me that i need to give back the car when in fact I mailed a check and they deposited the check and it also shows ' online that its paid in full. they call me every day and as many times i tried telling them that we paid in full they don't listen. i also need to get title ASAP
Product: Credit reporting or other personal consumer reports

my Banckruptcy was completed and discharged it says dismissed
Product: Debt collection

Debt is the result of disenrollment from XXXX on XXXX XXXX. Under 28 USC 2815, XXXX has six years to initiate action to collect this debt. I was not notified of this debt until after XX/XX/XXXX. I have disputed the veracity of this debt since being notified. Since this debt was initially accrued ; I have gotten married, purchased two homes, two cars, and had XXXX children. This debt showed up on my credit report at some point in XXXX and was removed in XXXX. I was under the assumption that my unanswered protests related to the time-barred nature of this debt were heard. It is now back on my credit report as a collections account. XXXX has now sent this debt to Treasury who has forward it to a collections agency for servicing. I have been placed into the Treasury Offset program. I am requesting that this issue be finally resolved. That the debt be expunged due to its time-barred nature and that I be renumerated for the monies taken from me via the Treasury Offset .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Chargeoff accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX XXXX  so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere
Product: Credit card or prepaid card

I had a XXXX XXXX card in my name only and lost it in XXXX in XX/XX/22. Capitolone.com closed the card and opened two different cards through their company called Venture One Credit Cards. Problem : Each time I make a purchase my husband who is not on either account, is notified of the transaction. Capitol One has been notified and I have gone to the technical support division but they have no data of his phone number ( XXXX ) on my new cards, yet they continue to notify them. I told them that they most likely transferred information from the old XXXX XXXX card and would need to access their archives to correct. Violation of my personal and financial privacy. Remains unresolved. I have spent on various occasions in access of 7 hours by telephone attempting to rectify, yet he is still notified of every purchase I make. They notify on card number XXXX and XXXX via push notifications through phone number ( XXXX ) XXXX
Product: Mortgage

Our firm, XXXX has been monitoring our client 's request for mortgage assistance to Bank of America to ensure its compliance with Regulation X. For the past few months, our client has been trying to get her application reviewed by Bank of America however, Bank of America has failed to act diligently and now our client faces a serious concern of losing her home. The borrower submitted a Loss Mitigation Application to Bank of America on XX/XX/2016 via facsimile transmission. We emailed an exact copy to Bank of America 's counsel at XXXX ( " XXXX '' ) on XXXX after discovering XXXX specifically requested the borrower direct any and all loss mitigation communication to their office only and not to send anything directly to the bank. An attorney at XXXX confirmed with our firm the borrower 's Application was submitted to Bank of America for review. Subsequently, XXXX requested additional documents from the borrower needed to complete the review of her Application. All of the requested documents listed in XXXX letter were submitted to XXXX by the stated deadline via e-mail and certified mail on XX/XX/2016. Pursuant to a letter from XXXX dated XX/XX/2016, there was no foreclosure sale scheduled as of the letter date according to Bank of America. 

After receiving a separate letter from Bank of America regarding the documents needed for the modification review, we sent an email to XXXX to confirm the list of items we received from their office on XX/XX/XXXX was up to date and an accurate list of all that was needed for the review. XXXX confirmed via email that the list they sent us was correct and advised that the documents we submitted to them on XX/XX/XXXX were being reviewed by Bank of America and they would advise if anything further was needed. Nothing further was ever requested by XXXX or Bank of America after we submitted the additional documents on XX/XX/XXXX. The borrower never received any notification or information pertaining to the results of her loss mitigation review. Despite the foregoing, our client was notified there is now a foreclosure sale date scheduled for her home. We believe this is clear violation of the prohibition against dual tracking pursuant to 12 C.F.R. 1024.41 ( g ). 

Additionally, we received a letter from Bank of America a few days ago alleging it never received a complete application from the borrower. We believe this to be an inaccurate statement and error given the aforementioned chain of events and communication between our office and the attorneys at XXXX. At no point after the borrower submitted the requested documents to XXXX as instructed on XX/XX/XXXX did Bank of America or XXXX request additional items or inform the borrower that her application remained incomplete. Pursuant to 12 C.F.R. 1024.41, Bank of America is required to diligently review applications and promptly request additional documents when necessary.
Product: Debt collection

I have never received any form of contact from Midwest Recovery Systems. One day I received a credit alert, and noticed my score dropped. The cause of the drop was due to a collection account reported by Midwest. Upon learning this, I have tried contacting the agency as I was not called, mailed, or in any sort of communication. I requested my debt to be verified twice. It was reported on XX/XX/XXXX as a collection/ charge off. The due amount is {$200.00}. That is all the information I have on this debt, and only because of my credit alerts. They have yet to reach me and it is already XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXXreport. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed