23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have had mortgages for condos before and we have NEVER had the problems that we are having with this new loan through Suntrust/Truist Bank. I keep getting letters that they are going to purchase insurance for for us unless we submit proof of insurance. I do that and they send me another and another with dire warnings. First it is for unit and flood because there was some sort of mix up and they didn't get info at closing, ok. The next was for condominium master policy which is paid by the association and covered through our HOA dues. They want us to submit proof every year that the association has insurance or they will purchase a policy for us so that we would be double paying. What? Now they are telling us even though XXXX sends them the bill every year, we have to contact Suntrust and tell them that we are renewing with XXXX for flood and wall to wall or they will automatically purchase their preferred insurance for us. In essence, we have to contact them XXXX times over the course of a 30 yr loan. They can not put it in their system to automatically pay XXXX every year unless we tell them otherwise. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has inaccurate information that is ruining my credit score!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested EQUIFAX to block and remove these unauthorized accounts from my credit report. The fraudulent account includes : XXXX Account Number : XXXX Despite my request and my legal right to have this account removed, EQUIFAX has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information. 
15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts. 
I have provided all necessary supporting documents, yet EQUIFAX has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Received a letter in the mail from Discover Student Loans- Which has a perfect payment record- Discover sold all student loans to Olympic SLT and is now being serviced by XXXX XXXX . I did not authorize this. All the interest Discover has made on the student loan account and to up and sell it without details to the customer is nonsense. 

I did not authorize a sale of the student loan with discover.
Product: Payday loan, title loan, or personal loan

Quicken has been running an advertisement on XXXX since XX/XX/2023 that portrays a home equity line of credit as " borrowing from yourself ''. This is a blatant lie and attempt to defraud consumers by luring them into a predatory loan under false pretenses. The advertisement can be found here : XXXX XXXX XXXXXXXX ( Archive link : XXXX XXXX XXXXXXXX : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Product: Mortgage

Dear XXXX, During Historical event of XXXX XXXX XXXX, we applied to the Forbearance payment plan with WFHM we were approved. 

After their plan end we apply for a loan modification and we were approved. 

After we send all the documents to XXXX there canceled the Loan Modificacin said that it was not signed correct. ( We did in front of the XXXX XXXX XXXX XXXX XXXX, XXXX ). 
The XXXX have been in the same offices for XXXX XXXX 

We reapply to a Loan Modification and we received a proposal to do a Short Sale. 

This is the only House we have and we live with our XXXXXXXX XXXX 

WFHM Asking as to pay the full amount at one ( LUMP-SUP PAYMENT ).

Again WFHM is trying to do ilegal activities.

This info is from CFPB home page. 

Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive XXXX  hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a XXXX XXXX XXXX agency , to discuss a repayment plan that works for your situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. The disputed items do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX, PA XXXX PA XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

formally dispute several items on my credit report. This letter serves as my third request for assistance with these disputes, and it is being filed with the Consumer Financial Protection Bureau ( CFPB ) for further disposition and arbitration in accordance with consumer protection laws.
Product: Vehicle loan or lease

GM Financial continues to attempt to charge me for property taxes on a leased vehicle. I have leased vehicles in XXXX XXXX before and never once was charged property taxes for the vehicle. GM financial has not sent me documentation showing i am responsible for such fees. I did all the leg work and went to the county tax office. They do not understand why i am being asked to pay these taxes. i also contacted the XXXX XXXX XXXX who assisted with the lease and the finance department is not familiar or understands why GM financial continues to try to collect. i traded in my vehicle and paid the previous years taxes only because the vehicle was traded in. Below is the email i sent to GM financial. They have only responded with an advisor calling to tell me that " im responsible '' no proof, no documentation. nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : Property Tax on leased Vehicle Account XXXX Dear GM Financial I am responding to your contact about collecting an alleged debt. You contacted me by phone on XX/XX/2023 regarding an outstanding tax bill. 

I do not have responsibility for the debt you are trying to collect. 

if you have a good reason to believe that i am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that i dispute having any obligation to this debt. If you stop your collection of this debit, and forward or return it to another company, please indicate to them that is disputed. If you report it to the credit bureau ( or have already done so ), also report that the debt is disputed. 

I was advised to contact our XXXX XXXX tax office. I have done so as requested and was informed that i do not have a tax bill that i am responsible for. I also contacted the finance department at XXXX XXXX XXXX in XXXX TX and was informed that they have never heard of such thing and are very familiar with leases completed for GM financial. 

As stated above, please provide your documentation that shows i am responsible for this debt. If you find that this was an error, please return the previous years tax bill of {$210.00} to the address above in the form of a check.

Thank you for your cooperation Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Read before using www.equifaxsecurity2017.com - The terms of service for that website state in part " AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. ''
Product: Credit reporting or other personal consumer reports

According to 15.U.S. CODE 1681 ( N ) & 15.U.S.CODE 1681 ( N ) The following Hard inquiries should not be furnished on my consumer report.
Product: Student loan

Navient sent a mass email to myself and 95 other account holders which gave my information to 95 people along with giving me their first and last names along with their email addresses. The email was from a Navient rep stating that I qualified for a new program. Like stated, she sent this email to myself and 95 other individuals which exposed my personal information. She then sent another email to us stating that the email was sent in error. I have been in contact with Navient who claims that they are investigating the email but I am not okay with my information out like that to people I do not know.
Product: Debt collection

RMB Inc., XXXX XXXX XXXX XXXX, XXXX, TN XXXX, telephone number XXXX is attempting to collect a debt for client XXXX XXXX XXXX when I am making payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX for all of my open accounts. I am Social Security XXXX recipient and under medicare.
Product: Credit reporting or other personal consumer reports

this letters complaint to fixed and delete inaccurate and misleading accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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 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 any 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 of 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

I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment on an account that I was in fact paid on time .the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments Ive attached a copy of my report to this complaint on the following date XX/XX/scrub> 2023 Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment if this information can not be verified I demand these payable updates to paid on time immediately.thank you for your understanding and prompt action
Product: Credit card or prepaid card

I reached out to self financial whom I have a credit with and I informed them that my card had been compromised and I needed to dispute about 6 transactions from Florida. They took my dispute and mailed me a new card but are still charging me for the fraudulent charges that dont belong to me. I never received a dispute kit, they just stated the charges were mine because I kept checking the app to monitor any fraudulent transactions from the state of Florida. I was in a bad car accident and no form of transportation until XXXX. Ive disputed it many times and even wrote letters to self and received no response back on how to get rid of the fraudulent transaction that are hurting my account, credit history and payment history.
Product: Debt collection

ALLIED COLLECTION SERVICXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX(XXXX) XXXXThis company is not licensed in Florida. Cannot be on my credit report and needs to be removed!
Product: Checking or savings account

I am a longtime customer of Wells Fargo Bank, and on XX/XX/year>, I reordered checks -- something I do about once a year. In the past, I have received six books per order. I can't remember what I paid for them last -- it's been so long ago -- but it wasn't enough for me to raise an eyebrow. This time around I was charged {$31.00} for 60 checks ( two books ), which comes to about {$2.00} per check. A simple piece of paper with a bit of ink on it! 

I also paid {$15.00} for trackable shipping, but of course, that is an exorbitant price for that service. With tax, I paid a total of {$52.00} for 60 checks. 

I have talked to the bank 's customer service, and the rep offered me no more explanation than " printing costs have gone up, '' and she promised to " pass along your complaint. '' Yes, they are duplicate checks, but I can not fathom printing costs have risen so much that the price has gone up to {$2.00} each. I know my complaint will go nowhere. 

The whole thing reeks of a way that Wells Fargo has figured out to gouge more money out of its customers. It's just highway robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on XXXX, XXXX, and Transunion and I didn't authorize them.
Product: Credit reporting or other personal consumer reports

I've recently looked at my credit report and noticed some inaccurate reporting by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I filed disputes with each credit agency ( Equifax, XXXX and XXXX ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.
Product: Mortgage

I am behind on my mortgage by 40 days. I tried to make a payment tonight online at SunWest 's website. The site would n't allow me to make a payment, stating : " Loan # XXXX as of XX/XX/2017 XXXX EDT One Time Payment is not available at this time because your mortgage payment is now 30 days or more past due and your loan is in default. We are concerned about your missed mortgage payment and we want you to be aware of the assistance available to you in case you are unable to bring your payments current. Please contact SWMC 's Home Retention Department at XXXX. Your Personal Concierge is available to assist you between the hours of XXXX to XXXX PT, Monday through Friday ( except Federal Holidays ). ''
Product: Credit reporting

Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.
Product: Debt collection

Credit collection service has placed me in collection for a " XXXX '' Account. I have not received any communication from them in writing or via phone. I have no knowledge of such account and belive this is an error. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Equifax Credit Information Services , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Phone number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate and make necessary corrections to my credit report. I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX  XXXX. XXXX Account name : XXXX XXXX. XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.