23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XXXX XXXX. In XXXX I experienced economic hardships which caused delay in mortgage payments and eventually my payments were not accepted as of XXXX XXXX. As a result, I received a letter around XXXX of XXXX for the foreclosure of my property. My mortgage was sold multiple times with XXXX being the initial lender in XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX did not give me a fair shot at a home modification. I believe I was treated unfairly with no regard to me losing my home despite of attending several mediations. The attorney for XXXX XXXX XXXX was adamant about pursuing a foreclosure. He was not willing to work with me. 

During mediation, I was given an option to apply for a home modification. My application was denied several times. They denied my first application for making too much money. They denied my second application for making too little money. They denied my third application prior to the date in which they said it was due. As a result of their denials, my case went to trial for a foreclosure judgement against me. 

My house was sold in a judicial auction for $ XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suggested I pay $ XXXX. XXXX XXXX, XXXX are claiming to be the new owners of the property. I believe I was discriminated against at the onset of this process. I was told to submit paperwork over and over, I did and to no avail. I attended mediation with legal representation and made numerous efforts to save my home. I was gainfully employed and able to make payments. Despite all of this, they have not budged and continue to pursue foreclosure. This foreclosure process was fraudulent to begin with. The home modification suggestion offered to me was a scam to obtain more money. This has caused so much stress and health related issues. I am a working union tradesman with funds to save my home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$240.00} XXXX XXXX XXXX Opened XXXX {$530.00} XXXX XXXX Closed on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/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 these accounts are from identity theft
Product: Checking or savings account

I opened a new wells Fargo everyday checking account with a bonus offer code on XX/XX/ and then I set up the account I deposit {$25.00} and had my employer direct deposit all my payments to this account so I have all the requirements to get the bonus. Finally more than 90 days passed with everything that was asked to me was accomplished but they are saying that my employer isn't using direct deposit because my employer pays me direct deposit to my debit card connected to my wells Fargo, they say it's gota be ACH deposit but my employer pays me direct deposit like that do they denied me my bonus unfairly. They made me loose all that time for absolutely nothing, they could at least tell you in advance, but wells Fargo customer service is one of the worse I've experienced in all my banking experiences. I just want them to honor their word and stop false advertising nonsense. If my employer is depositing money in my account constantly and I have a steady XXXX balance then it's proof enough that I'm doing what I'm supposed to do.
Product: Mortgage

I have had 2 appraises done on the property and 100 % everything including size and work required was 100 % different in both reports, last one wanted a electrical inspection but 1st said there was no issues, almost nothing stayed the same between the 1st and 2nd report done, quicken refuses to have it redone by a 3rd party for any verification or cover the inspection for electrical that was request by 2nd. They refused to do anything about it. 

on the deposit they made me place for XXXX and refuse to give back. im sure that upon review of the tape it will clearly show that I asked about this and I was told THIS IS A CONSENT TO DO BUSINESS further it was stated that THIS IS 100 % APPLIED TOWARDS YOUR LOAN. I also stated about what if things did not go well and in return it was stated to the effect of THIS IS ONLY TO MUTUALLY ASSURE A COMMITMENT TO DO BUSINESS AND THIS IS A DEPOSIT THAT GOES TOWARDS YOUR LOAN a deposit is something that is returned once business is completed and in this case that was told to BE APPLIED TOWARDS THE LOAN, IN EFFECT IT IS TAKEN OFF THE LOAN SO YOU DO GET IT BACK IN THE END ... 

THEY REFUSE TO FIX THE REPORTS, THEY REFUSE TO KEEP LOAN OPEN TO I CAN GET REMEDIATIONS DONE, THEY REFUSE TO DO THE ELECTRICAL INSPECTION, THEY REFUSE TO GIVE ME BACK MY XXXX DEPOSIT and point to a document that was signed in hast because of what i was told.. 

I WANT MY XXXX BACK, OR I WANT THEM TO DO THE INSPECTION AND GET A 3RD PARTY I AGREE ON TO DO A NEW REPORT BECAUSE THEY CONTACTED WHO THEY WANTED FOR BOTH REPORTS, WELL THERE PREFERRED TITAL COMPANY XXXX DID ANYWAY.. SO THEY PREFERRED COMPANY GOT THEY PREFERRED PEOPLE TO DO A REPORT THAT FAVORED THEM AND NOW REFUSE TO HAVE A INDEPENDENT 3RD PARTY DO ANOTHER TO RESOLVE THAT MATTER THAT 1ST AND 2ND REPORTS WERE DIFFERENT IN ALL AREAS EVENT BUILDING TYPE, SIZE, LIVING AREA, ELECTRICAL, PAINT, REPAIRS NEEDED, ETC ... THE 1ST REPORT SAID ABOUT 1,000 TO FIX IF YOU HIRE SOMEONE, THE 2ND SAID ABOUT 5,000 FOR THE SAME.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX 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, credit repair services, or other personal consumer reports

I have filed a credit dispute with Equifax in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. Equifax responded to my request. The response letter was dated XX/XX/2020. Equifax stated on page 1 the following, " We are unable to locate a credit file in our database with the identification information you provided, additional identification information required to process your request. '' I was able to get my credit file if they didn't have my information it doesn't make sense they sent me a whole credit report file. I know for sure that Equifax failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; 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 sent a letter to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Complaint Regarding XXXXXXXX XXXX XXXXXXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX  XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number:XXXX ; Amount/Value : {$5400.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-off with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXXXXXX XXXX XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXXXXXX XXXX : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX XXXX, XXXX on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXXXXXX ( XXXX ), is a third-party debt collector who opened an account via Identity theft. XXXX XXXX XXXXXXXX ( XXXX ) did not CONFIRM that there is NO CONTRACT between the " consumer '' and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) responded to CFPB on XX/XX/2025 : There were no contacts with the " consumer '' while the account was in our office. The " consumer '' account has been recalled by our client, the original and current creditor. 

XXXX XXXX XXXXXXXX ( XXXX ) claim that the account was recalled by their client, yet I received another DEBT COLLECTION LETTER dated XX/XX/2025. 

The alleged creditor Synchrony Bank failed to send me XXXX XXXX as per IRS guidelines XXXX So, I e-filed Form XXXX for SYNCHRONY BANK, and it was accepted by IRS on XX/XX/2025 ( see attached redacted Form XXXX ).
Product: Vehicle loan or lease

I have emailed and called many times to explain that Im an overseas military subject to scra rights. Exeter repossessed my car even though I was told Id here back from them by many representatives which lead to my car being XXXX with over XXXX of military gear inside vehicle. I was unable to retrieve my coworkers property though third party because of slow property release by Exeter and non communication I am seeking reimbursement for the missing property that doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing an initial complaint regarding an unauthorized inquiry on my credit report, Tower Loans refused to remove the inquiry. They replied through the CFPB portal that an FTC affidavit needed to be filed and emailed to the email provided in their pdf reply. On XX/XX/2023 and email was sent to XXXX XXXX, Director of Compliance for Tower Loans with the FTC affidavit and a notarized affidavit attached. As of today, he has not responded nor has the inquiry been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

Called on XX/XX/year> and asked them why their website would not allow me to add a payment method and they told me it was not working for everyone. No estimate when it would be fixed. This is violating their terms that said XXXX access to my account online. I'm unable to set up automatic payments.
Product: Debt collection

1. On XX/XX/XXXX, ( aprox ) 2020 They ( " afni '' XXXX call me to tell me that I have a debt of {$57.00} whit cell company. XXXX XXXX XXXX I told them that I DON'T HAVE ANY SERVICE WITH THIS CELL COMPANY. 


2.They ( " afni '' ) still are trying to talk with me by phone, but I never answer they callings. 

3. On XX/XX/2020 I received a Collection Notice letter from " afni ''. 

I call to XXXX to ask them about this Notice, They ( XXXX  ) don't know nothing about that debt.
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof thIn the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.e accounts appearing in my report without me knowing.
Product: Mortgage

I have proof that I pay my monthly payment every month about 13 days before the due date which is the XXXX of every month. I have paid timely every month for over 2 years. However, due to their inefficient " system '', every few months I get notified ( calls and letters ) that my account is past due and get charged a late fee. It then takes HOURS of my valuable time trying to get them straight. I have asked for a supervisor to contact me and to have this continuous problem rectified. For example, my statement dated XX/XX/XXXX states I have no overdue amount owed and my next payment of {$5100.00} is due XX/XX/XXXX. They received this amount on XX/XX/XXXX ( 12 days before due date ). The statement dated XX/XX/XXXX claims amount due is {$9000.00} which includes a late fee of {$85.00}. How can this erroneous statement be generated? When I called today, I was on hold while it was being " researched '' for an hour. The rep finally admitted she has no answers.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I checked my credit profiles and noticed a XXXX XXXX credit card on there that was supposedly opened in XXXX. Ive never had a XXXX XXXX credit card. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.
Product: Debt collection

On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a XXXX XXXX XXXX put a dergatory report of {$880.00} for Pepper Cash loan. Never heard of Pepper Cash. The date opened was unknown and just showed up without any notification received from the debt collector. When I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that Pepper Cash had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit eport from FMA Alliance , Ltd. on XX/XX/2019 in the amount {$4400.00}. First and foremost, I have confirmed that the debt collector, FMA Alliance, Ltd is not license in the state of Louisiana to collect on this debt. Secondly, FMA Alliance , Ltd. violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to FMA Alliance , Ltd.? I have never heard of them, have no written contract with them and have never received any benefits from them, yet FMA Alliance , Ltd. has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$4400.00}
Product: Credit card or prepaid card

I opened an account with Comenity BankXXXX XXXX Credit Card XXXX The company had a system conversion and I am unable to access my account online. I have been calling since XXXX to get this corrected and No One has helped me, I get hung up on, disconnected. I escalted and spoke to a supervisor in XXXX and she assured me that she would get the account converted into thier new system but it has not been fixed. I have called three times today and have been disconnected twice. I simply want my account to be accessed in the new system so that I can use online. I get a paper statement every month and I pay my bill on time. But since it is paper it is not reporting to my credit bureau. I understand that system conversion are tricky but there does not seem to be any supervisor who understands how to fix this. I need assistance with this issue and Comenity or XXXX XXXX  seem to be unable to assist.
Product: Checking or savings account

On XX/XX/XXXX SunTrust Bank submitted a report to XXXX XXXX XXXX that I had or attempted to commit fraud through the checking account I had with them. I did not attempt to commit fraud or in anyway try to break the law. There was a check for {$2.00}, XXXX dollars that I had received by mail that I deposited in good faith through a SunTrust bank ATM to my checking account. I later received an email stating that the check had been placed on a five business day hold and funds would not be available until after the hold time. On XX/XX/XXXX, I received a letter stating that the check 's payee bank could not be verified and the deposit would be reversed and I would be charged a {$15.00} fee. I accepted the results and assumed that the original check amount would be reversed and the fee charged to my account as stated in the letter. Within two weeks SunTrust Bank sends a report to XXXX XXXX XXXX that fraud or an attempt was committed by me on my account. Since XXXX, I have tried to contact the department of SunTrust Bank that submitted the report, disputed the report with XXXX XXXX XXXX but have only received the run around from SunTrust. I have the most recent report from XXXX., and as before it has a report of fraud from SunTrust Bank but there is no loss or transaction listed to support the fraud accusation. My question is how could there have been fraud attempted when the deposit was on hold for 5 days, no withdrawals or transactions made or paid against the held deposit and during the hold time SunTrust was supposedly communicating with the payee bank of the check I had received?