23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Creditor, I am writing to dispute the negative items on my credit report associated with your company. I have reviewed my credit report and noticed several inaccurate and unfair items, including late payment accounts and charge off accounts. 
Firstly, regarding the late payment accounts for XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ), I would like to point out that these accounts were a result of temporary financial difficulties. While I admit that I fell behind on payments, I have since caught up and am now current on all accounts. I kindly request that you remove these late payment accounts from my credit report, as I believe they are unfairly affecting my credit score. 
Secondly, I noticed that XXXX XXXX XXXX ( account number : XXXX ) has charged off my account. I am devastated by this news, as I have always strived to maintain a good credit history. However, I was not made aware of this charge off until I reviewed my credit report. I kindly request that you provide me with more information about this charge off, as I believe it may be inaccurate or unfair. If the charge off is indeed valid, I would appreciate the opportunity to work out a payment plan to satisfy this debt and prevent further damage to my credit report. 
Finally, I am disputing the charge off accounts associated with XXXX XXXXXXXX ( account number : XXXX ) and XXXX ( account number : XXXX ). I have no recollection of opening these accounts, and I have not received any communication from your company regarding them. I kindly request that you provide me with more information about these accounts and take appropriate steps to remove them from my credit report if they are found to be inaccurate or fraudulent. 
As a law-abiding citizen, I understand the importance of maintaining good credit. However, the negative items on my credit report are causing me great emotional distress and anxiety. I kindly request that you investigate these matters thoroughly and respond promptly, as I am eager to resolve these issues and restore my good credit history. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Credit Reports are showing addresses associated with my father who passed away years ago who used my credit and I have sent death certificates and notices requesting they be removed. This issue is attaching debt that doesn't belong to me to my report. 

My only Name should be XXXX XXXX XXXX XXXX date of birth XX/XX/year> ONLY ADDRESS in years XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ONLY Phone number for 11 year ( XXXX ) XXXX Please Remove the following names, addresses and phone numbers Names XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX  XXXX I have already contacted FTC and the local police department.
Product: Credit card

XX/XX/2025 credit score is over XXXX, they said I have too many credit cards open. Most have a {$0.00} Balance. Now they have pulled my credit with a hard inquiry and lowered my score. My debt to income is 7 %. this is ridiculous for them to deny my application and now lower my credit score.
Product: Credit reporting 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX/ {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account XXXX / XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

Thursday starting @ XXXX XXXX  PST attempted sign in on transunion web page after repeated failure to sign in, began calling customer service and fraud alert numbers and could not accomplish either Credit Freeze of Fraud Alert.. Robot answering system consistently disconnected after collecting @ XXXX minutes of personal data each attempt ( XXXX attempts ) spent XXXX hour XXXX minutes Friday starting @ XXXXXXXX XXXX PST, attempted to again to activate Credit Freeze and Fraud Alert. Again stymied by Customer Service robot again hanging up after acquiring personal data ( SS #, home address, cell #, full name, questioned about my prior addresses, names, phone numbers ) then disconnected when asked if they could call me back. 

Finally was able to get Transunion robot to set up a call back, again after going through asking all above personal data and questions. This was another XXXX hour XXXX minutes of frustration. 

I received a call back XXXX minutes later and successfully ( hopefully, because I have no proof or confirmation from Transunion ) obtained Credit Freeze and filed the Fraud Alert. 

I spent XXXX minutes getting Credit Freeze and Fraud report with XXXX. 

I spent XXXX minutes obtaining same with XXXX. 

Transunion frustrated and scared me because I though my identity had already been stolen and my personal info changed. Since it was accomplished by phone, their system is a disservice to the people whose information they market.
Product: Debt collection

We are suing Patenaude & Felix, APC and their employee XXXX XXXX. We believe that you should know that the debt collector filed a lawsuit in a jurisdiction we do not live, took legal action contrary to contract- took the case to district court and the contract does not allow such action - only arbitration or small claim, s court is permitted under the contract
Product: Consumer Loan

We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX  XXXX ( XXXX ) # XXXX, XXXX XXXX  XXXX XXXX ( XXXX XXXX ) # XXXX and 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy XXXX, debts discharged in bankruptcy should no longer be reported as active debts. 

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. " Under 11 U.S. Code 362, all collection and ****reporting of debts**** must cease immediately upon filing for bankruptcy. '' ( Emphasis added ) Despite our previous attempts to resolve this issue directly with XXXX, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XX/XX/XXXX SOUTHWEST RECOVERY XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX XXXX XXXX XXXX You are reporting and publishing inaccurate and incomplete information collections in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunities. The following account information you are publishing about me is inaccurate and incomplete. Please exercise your due diligence and verify the information is 100 % complete, accurate, true, timely and also complies with all XXXX FCRA guidelines on reporting data to a credit report. 
XXXX XXXX XXXX : XXXX The Date of Last activity is inconsistently reported across the XXXX agencies. 
The account is listed as open, yet it is not an open account. 
The payment history is reporting inconsistent status of 30, 60, 90 & 120 day late on dierent months.

Whenyou are not able to verify the accuracy and completeness of the information, I request that you delete the above-listed tradeline / collection account and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. 
If you conclude that the tradeline item is verified, I request details of your method of verification. For identification purposes, my social security # is XXXX and date of birth is XX/XX/XXXX I enclose a copy of my as proof of identity and mailing address. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the relevant information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important matter is requested in compliance with federal law
Product: Money transfer, virtual currency, or money service

I have this money in my account worth {$28000.00}, and paypal withdraw it without my notice, and there's a record too, that Paypal itself access my account to withdrew my money to theirs. Without any information.
Product: Mortgage

We are more than a month ahead on our mortgage payments. Ditech failed to properly apply our payments and charged us late payment fees. After speaking with a representative, Ditech acknowledged their error and promised to fix it. Today we have received collections notices from ditech. My high credit rating is valuable and should not be abused by a lender that fails to perform basic administrative functions correctly.
Product: Checking or savings account

Hello, this incident scam began in early XX/XX/2022. I had posted on XXXX and applied for a job posted there ( XXXX XXXX ). The scammers claimed to be from the company, did an extensive interview ( via XXXX ) and then sent a check via XXXX  to be deposited in my TD bank account to pay for work related materials. Check amount was nearly {$5000.00}. The bank cleared the check overnight and then the scammers requested to do various transactions to pay for work items ( via XXXX, XXXX ). Transactions were not working ; thus, they requested that funds be returned to them via XXXX. I withdrew {$4700.00} and sent via XXXX ( XXXX locations ). Since the bank had cleared the check and showed funds available for use, I did not suspect anything. However, when scammers tried this process again, I refused to do it and realized that something was clearly wrong. Unfortunately, the check that had cleared was fraudulent and {$4700.00} was lost. The bank accepts no responsibility even though they continue to clear checks for scammers - and never at any point do they warn customers or adjust their policies or procedures to protect the customer. All polices and procedures are complimentary for scammers - and thus, the reason they are able to do what they do ( even after they are detected ). XXXX  is even worse as scammers were using that delivery company to send the checks- and the account they were using belonged to a company ( their account was being illegally used as XXXX  does not protect accounts from such fraudulent use ). Additionally, XXXX has information as to who the scammers are - as the scammers had to pay for services - but XXXX refuses to turn over information to the authorities or to victims. XXXX is protecting the scammers in a way they never protected their own clients or recipients. Please help in any way that you can. The XXXX tracking # XXXX ; also, why are checks for such large amounts from out of state being cleared so quickly - and why do banks not have check verification systems? Thank you - XXXX XXXX
Product: Credit card

On XXXX a debit was debit out of my bank account for XXXX that was not authorize by me or did i give permission. The company that i lease my XXXX XXXX XXXX has a note for XXXX each month, my car insurance was renewed XXXX of XXXX. I was under the impression that Sensible Auto loan would automactically get a copy because they are lean holder, But they did not. Instead of them emailing me or a, text pr a call they went into my account n took a extra hundred dollars out my account. Wen I called to discuss the matter I was told to send a copy of the update insurance n i would be refunded. Well i sent over a copy of my insurance n they agreed it was a legit copy but instead of return on my XXXX they decided to keep my money for interest XXXX fee. My bank account went into overdraft cause the money they took was for something else so i had to bank overdraft fee. The part that is terrible is no one from Sensible auto picked up the phone to get a update they just assume i did not have any insurance. But if I am late on a payment I would get XXXX calls XXXX text about a payment. I want my money back
Product: Mortgage

Mortgage company requested confirmation of insurance. This were supplied multiple times without acknowledgement. We attempted to call multiple times without being able to access a person and without finding a solution in their electronic system. Mortgage provider is now charging us {$640.00} to provide us insurance despite the fact we have demonstrated proof of insurance. We have again faxed and called without result. We want to avoid an unnecessary charges and are looking for assistance.
Product: Checking or savings account

An action was filed by United States CFPB against Regions Bank regarding overdraft protection - some accounts were charged overdraft charges when they had not signed up for overdraft protection services - the accounts had to be linked to a savings or other account that could be used to cover overdrafts. I did not have such an account, and did not sign up for that service, but was charged overdraft fees anyway- this occurred from XX/XX/XXXXto XX/XX/XXXX. in fact it only stopped when I learned of the action while online- I was never contacted regarding the action and did not choose whether or not to participate in the action. I have contacted customer service at the bank 4 separate times ; each time I was shuffled to other departments or referred back to my branch, who was unaware of the action, or was otherwise not taken care of. I was told to email the legal department, which I did twice, and I have not received any response from them. At one point I was told I could receive some of the charges, but then the customer service person refused to refund any of the charges.

I have just spoken to them again, and this time I was asked to fax the documents to the legal department. the customer service rep I spoke to said she would also file a complaint for me.
Product: Mortgage

I have recently fallen behind on my mortgage. I have made small payments in an attempt to catch up. My mortgage servicer which is 21st mortgage has at out refused to do anything or work with me. In fact anytime I call them all.they do is insult me. The insulted my XXXX husband saying he made poor choices in life by becoming XXXX. They also told me I was wrong for laying my electricity over them when my husband has a medical need for electricity. I have never been talked down to in a manner like this before
Product: Mortgage

Complaint Against Chase Bank and XXXX XXXX XXXX of Mortgage Loan Transfer To Whom It May Concern, I am filing a formal complaint against both Chase Bank and XXXX XXXX regarding the improper transfer of a mortgage loan and associated estate documentation. 

The mortgage loan servicing was transferred from Chase Bank XXXX XXXX XXXX in XX/XX/year>. Prior to this transfer, all necessary estate documents, including a death certificate, administrative estate paperwork, and probate case information, were submitted to Chase Bank and accepted. However, these documents were not transferred to XXXX XXXX during the transition. 

After the transfer, I repeatedly submitted the required documents, including the death certificate and other estate-related paperwork, to XXXX XXXX. Despite these efforts, I was denied proper access to the account. 

This situation forced me to take extraordinary measures, including selling a home below market value, in order to acquire the funds necessary to pay the outstanding balance on the account and prevent foreclosure. Payments were made to save the property, which holds significant personal and sentimental value. 

The mishandling of this loan transfer has caused immense emotional distress and financial hardship. The lack of a seamless transition of documents created significant barriers to managing the account and resulted in preventable financial losses. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure that : XXXX. Mortgage servicers, including Chase Bank and XXXX XXXX, comply with all requirements regarding the complete and accurate transfer of account documentation. 
XXXX. Consumers are not subject to undue financial or emotional harm due to servicer negligence or oversight. 

Thank you for your attention to this matter. I am hopeful that this complaint will lead to improved accountability and practices for mortgage servicers. 

Sincerely, XXXX XXXX