23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have gone through a hardship ( Divorce ) I was awarded the home that I currently have a mortgage on.. I was ordered by the court to assume the loan and have my wifes name removed from the loan.. 
I checked with my mortgage company and they said the loan was assumable.. 
I filled out the assumable loan package that they sent me..they sent me a bill for the application process..I paid it..they immediately denied the loan and when I questioned why, they gave me multiple reasons, which changed over time. They eventually sent me a letter stating that I couldnt prove my residency or my income. 
First off..the original loan that Im trying to assume is a second home loan. 
They said I had to change it to a primary residence loan, which I didnt think that they could change the terms of the loan..I was simply court ordered to remove my ex wifes name. Having said that..the home would qualify as my primary residence anyway..as it is my only home..and my drivers license..all of my vehicles are registered to that address..my voting district is there..and I pay all local, state, and federal taxes to that address..I do have to commute back and forth to work once a week which is XXXX miles, but, that is the hardship of a divorce and I have driven this commute for 6 years, and only have 2 more years till retirement. 
The other reason was I could not prove my income. Which I have sent them both W2s and 1099s.. of which I pay both State and Federal taxes on with years of tax records. 
I have spoken with XXXX XXXX and they have filed a claim on my behave and have been working to get resolution to this matter.. I am now in contempt of court and need assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX 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 think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with Atty General this time
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and noticed accounts that did not belong to me. I firmly believe these have been caused due to the data breach equifax had and numerous other issues. These account do not belong to me.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, and XXXX delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from Equifax which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX  account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXXXXXXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a report with the FTC Identity Theft Criminal. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting

Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy case number XXXX. Cashcall was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called Cashcall to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. Cashcall is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX Equifax had my birthday incorrect I have tried with the Consumer Protection Agency FTC an attorney general 's office to have them change it and it never happened look in your files you have it on file. The response to my dispute was always the same I would have to furnish them the information that I've already furnished to the consumer protection agency and that I did not trust them what's a realize it is since XXXX my birthday was incorrect I wrote them a letter indicating that here is my information and I gave them my information they finally have changed my birthday and made it correct as of XX/XX/XXXX but I have formed them it is me of legal right for me to be able to get access to the information that they were holding against me I want to know in the name of the company is XXXX XXXX XXXX they're the ones who provided the information to Equifax in XXXX and my birthday was the wrong day I want all the information in that file where all that came from I want anything  pertaining to that since it took me until this long and I have been denied loans credit cards and everything else you can think of. I have had identity theft and I have let them know now mailed a letter stating that I wanted a copy of any information they provide me related to the issue of my birthday being incorrect has not received any mail a letter a phone call nothing I've been working on this for at least three years I did not know that this was since XXXX and I want this information and I believe it is my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the credit bureaus ( Equifax, XXXX and XXXX ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.
Product: Debt collection

On XX/XX/2018 I was contacted by someone representing Debt Solutions , Inc. out of Georgia. He was attempting to collect on an old Debt from XXXX XXXX. We reached a settlement agreement, and I paid the agreed upon amount in full. 

Upon payment, I did receive a Paid in Full letter - and thought that was that. Two weeks later on XX/XX/XXXX, the company charged my credit card AGAIN in the same amount as the Paid in Full agreement. 

I was sent an email saying it was being refunded. I contact the company for three days with no answer. Finally, the owner called me on Monday XX/XX/XXXX saying if I didn't see the refund by Wednesday to call. I called on Wednesday and he said if I didn't see the refund by Friday they would issue a check. 

Further research shows this companies website is only 80 days old. I have disputed both transactions with my bank as I now believe this was a completely fraudulent debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.
Product: Credit reporting or other personal consumer reports

My credit repair journey began in XX/XX/year>. I called and reported Name, address and account discrepancies with each agency, Equifax, XXXX and XXXX. Then I filed a complaint with CFPB to remove negative reporting after attempts in writing to correct accounting with each creditor on my report. Notices of Billing Errors were sent to each creditor along with 1099s to alert them to their fraudulent claims and negative reporting to each credit reporting agency. Some of the reporting was removed but as of today the reports are not identical and are still showing negative remarks. I requested these to be removed in writing to each agency on XX/XX/year>. See Equifax 's copy of letter below highlighting each of the elements in the report that needed to be corrected and they Code 's and consumer laws supporting my demands. I am including the current credit report comparing each agency 's report and they are still not showing the updated/correct information and most are incorrect.
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any info
rmation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Also, these hard inquiries were unauthorized. I didn't give anyone consent below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my report and there is a report from Midwest recovery for {$920.00} from XXXX XXXX XXXX. Never took out a payday loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX light bill, car loan XXXX, apartment XXXX. That's saying open can't get a response or help from anyone ... .Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit strong about an account associated with identity theft. They requested that I send in a police report after I sent them my FTC Report. A representative told me that the information would be removed. After sending in the information, they still did not remove the account and responded with ; Upon investigation and review of the documents provided, they have determined there is not sufficient evidence, and someone has been communicating with them from my email that was also hacked and utilized and was placed on the dark web. They have made this process extremely challenging and stressful, and at this point, I am feeling like this is aggravated identity theft.
Product: Mortgage

Still having issues with Seterus Mortgage. They did get back to me stating that they made a mistake on reporting my paid payments to the credit bureau. Got the letter and am still trying to get pre-approved for a loan. Now XXXX XXXX & other places I have been dealing with state that I have to wait until it is fixed on my credit report. Months? I 've been trying to get pre- approved since XX/XX/2016 They did n't report the payments correctly and now I am to get it fixed? Seterus is going back to XXXX through XX/XX/2016 and fixing the credit report. At least they say so. All I want to do is get pre-approved, sell my house and buy a different one. There must be a special circumstance with the mortgage company underwriters to approve this. They received the letters from the company. They apologized for any inconvenience ... well it is very wrong and how they stay in business is beyond me. Should I file a grievance with the credit bureau too? That I have to wait for something that I had no control over. Sure hope you can help with this one. Thank you! 

Also, XXXX Bank reported XX/XX/2016, late, which was wrong. Attaching this letter too.
Product: Student loan

I am a   XXXX   XXXX   XXXX   . I am counting on Public Service Loan Forgiveness in a few year s.     I have done everything right. I consolidated under the Direct Loan program, and do Income Based repayment ( IBR ) while having to file my taxes " married filing separately '' each year to keep my payments down while I wait for PSLF. I have jumped through every single hoop required to participate in this program.     In    XXXX   XXXX  , I se nt in a certification signed by my employer which indicates I have been employed a t this 501 ( c ) ( 3 ) sin  ce   XXXX   XXXX  .      In response, my servicer s ent a letter stating that they are only counting 7 of my last 12 payments toward PSLF.  They have provided no explanation of why these are n't qualifying payments. I called, and no one  at Fed Loan Servicing ca n tell me anything.     They also claim that some of the payments were made before  Fed Loan  started servicing my loan, but can not tell me WHO would be able to give me credit for these payments.     In  XXXX , they said they would investigate this. I heard nothing, and called back in  XXXX   XXXX . They told me to be patient. I called again on Friday and was told that they still ca n't tell me anything and to give it more time.     I should be able to get a straightforward answer as to the REASON why a payment does n't count. But Fed  Loan Servicing do es n't provide any information or answers to borrowers.     Please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sold virtual currency " XXXX XXXX '' valued at {$2900.00} USD through Coinbase.com, a cryptocurrency exchange. They have never deposited the money into my checking account and I have had repeated interactions with their customer service where I was given unresponsive, inaccurate, or incorrect information as to the status of this transaction. I have spoken with customer service representatives named XXXX, XXXX, and XXXX, and Supervisors named XXXX, XXXX, and XXXX. None of them have given me conclusive information as to the nature of the delay or when I can expect payment. As of XX/XX/XXXX, more than 3 months later, I have still not seen these funds and have no idea when I can expect to. The last interaction I had with Coinbase customer support, they indicated I might consider reaching out to their legal team.
Product: Checking or savings account

On XX/XX/2024 my checking and savings accounts through Sofi were put on hold without providing a reason. It was the XXXX of the month so I was attempting to pay rent and pay my credit card bill but the payment did not go through due to the account being frozen. I called the bank and they refused to give me information on why the account was frozen. I assured them that there had been no questionable recent transactions and gave permission to unfreeze the account. The security team maintained their refusal to provide any justification and said they were looking into the issue and I should call back the following day. I have called back 2 days in a row without any further information being provided with the customer service representatives hanging up on me if I persist in requesting more information.
Product: Vehicle loan or lease

I was having difficultly making my monthly payment. I call customer service at Santander Consumer USA whom Finance my car loan. I ask them if they would work with me in keeping my payment at the {$210.00} instead of raising my payment back to {$360.00} which I can't afford, in the perceivable future I need to have my payment to stay at {$210.00}. I can comfortably afford this payment. I tried to negotiate with them about leaving my payment the same. I am in a financial hardship.
Product: Student loan

I was contacted by American Education Services on XXXX consecutive days before XXXX. The XXXX day was contacted at XXXX and the XXXX day at XXXX XXXX. I called back on the XXXX day and talked XXXX guy that was rude and was stating well thatis what happens when you are delinquent. I asked to talk to a supervisor who was equally not helpfuul and was telling me that they are in Pennsylvania and they are XXXX hours ahead of my local time. So she said they had no control over the automated calls.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX  I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Debt collection

There is an account showing up in my credit file that has no clear explanation as to why it 's reporting, I would greatly appreciate if there were a thorough investigation of this matter. And expect a complete removal of this erroneous information on my personal credit report.
Product: Credit card

Someone opened a account with this creditor this is a result of identity theft. I did not consent to opening this account with this creditor.
Product: Credit reporting or other personal consumer reports

I have disputed incorrect and outdated items on my credit report with all three credit bureaus. There has been 17 negative items removed and yet my score has plummeted. There are still incorrect items in my report that also do not have matching dates with all three Credit bureaus and have shown me no proof of validation. There is currently a XXXX account on my report that I discovered over a month ago and had it closed with the company as it was not mine and also not one penny was borrowed from it. This account has drastically dropped my score preventing me from a purchase and affecting my business XXXX XXXX XXXX. My patience has run out and my intention is to seek legal action against the server for the XXXX account ( XXXX XXXX XXXX  ) and all three credit bureaus TransUnion, XXXX, XXXX for violating the Fair Credit Reporting act by not accurately reporting the removal of negative items, not providing validation of accounts or any details of adverse actions taken regarding my credit report.
Product: Debt collection

In XX/XX/XXXX I began XXXX XXXX XXXX due to XXXX and I was all alone in Alabama in XXXX Apartments and had no one to help so my children came down from XXXX, GA to move me closer to them. They read my lease and said that I could legally break my lease to due medical illness. I went to the leasing office and spoke with XXXX XXXX ( property manager then ) and explain my situation he told me to bring him a written letter and then I could move. He even came over and completed a walk thru will my children was loading the truck. After two surgeries in XXXX, my eyesight improved a lot and went to try and rent me an apartment and denied because what they put on my credit and it and it shouldn't be. I'm not sure where they got that total amount from because my lease would have been up in four months and my rent was only XXXX a month. However, I owe them nothing because I did what I was told to do.
Product: Checking or savings account

My name is XXXX XXXX and I am submitting this complaint for myself. There is no third party involved. I am writing to completely remove the following account in my file. The account that needs to be removed are listed in my report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission and I also have attached copies of the Federal Trade Commission 's Identity Theft Affidavit along with my government issued photo identification and social security card. Please delete the items immediately.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. 

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions. 

15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. 
NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America performed an unauthorized hard credit inquiry on XXXX/XXXX/XXXX.