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

Bank Of America had misused of my XXXX credit file. I disputed the account several times that has been way over 30 days. The account should had been removed. 
Account Number XXXX The misused of Credit file by reporting the account on faults dates. The account date closed that changes back and forth from XX/XX/XXXX to  XX/XX/XXXX repeatedly and changing Closed account to N/A to closed repeatedly. Reporting the account too many time in a month specially during a dispute re investigation. Dispute re investigation lasted more then 30 days from XX/XX/XXXX to XX/XX/XXXX. When BOA received the documents of proof of misused of credit file. I received a letter several days ago saying the account is reporting correctly. Another words the damages and the misused of my credit file is ok.
Product: Mortgage

XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX Re : Select Portfolio Servicing, Inc. Loan # XXXX Letter dated XX/XX/XXXX, regarding requirement for XXXX XXXX  Please be advised that I was approved for a XXXX XXXX XXXX XXXX Loan on XX/XX/XXXX, said loan having been owned by XXXX since XXXX and serviced by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX did not require XXXX  coverage until you purchased the loan on XX/XX/XXXX, and your servicer claimed they needed said coverage. 

I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income guidelines. Because your servicer has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the Atlantic Ocean ), and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, cc : Select Portfolio Servicing
Product: Debt collection

I have disputed this Capital One Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this XX/XX/XXXX to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX XXXX XXXX. They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by capital one all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said Capital One and XXXX XXXX XXXX is reporting it this way. So they are giving me the run around. I am at a dead end because they are not following the FCRA Regulations. They have different information on all XXXX reports showing information that is clearly not proven with any documentation or the reports would match one another. 
Bottom line, Capital One sold this debt when they were told to delete it by the credit bureaus because they could not provide the information necessary to satisfy the dispute. They then went on to sell it months later and told XXXX XXXX to report that it was sold to them XX/XX/XXXX. XXXX XXXX XXXX is now violating FCRA regulations by reporting false information and incomplete information without any documentation that has been requested numerous times. They are acting reckless and negligent to my family and I financial situation and hardship. This account needs to be deleted from all credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal dispute regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. I have recently discovered these unauthorized inquiries and believe that they are the result of identity theft or fraudulent activities. I kindly request your immediate assistance in investigating and removing these entries from my credit report as they are negatively impacting my creditworthiness and financial well-being. 

I would like to provide you with detailed information regarding the fraudulent hard inquiries, which I believe to be illegitimate and unauthorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assure you that I am a responsible and vigilant consumer who regularly monitors their credit report. However, due to the nature of this fraudulent activity, I was unable to detect these inquiries until now. This serves as a testament to the sophisticated nature of the identity theft scheme or fraudulent actions, which have been perpetrated against me. 

According to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to dispute inaccurate or fraudulent information on my credit report. It is also the responsibility of the credit reporting agencies, such as TransUnion, to ensure the accuracy and integrity of the information they provide. 

I request that the Consumer Financial Protection Bureau launch a thorough investigation into the legitimacy of these hard inquiries. I also request that you work in conjunction with TransUnion to promptly delete these fraudulent entries from my credit report. Removing these inquiries is essential to safeguarding my financial reputation and ensuring that my creditworthiness is not compromised as a result of criminal activities beyond my control. 

Enclosed with this letter, please find supporting documents, as well as any other relevant information that may aid in your investigation. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and diligently pursue the necessary actions to rectify this fraudulent activity. Please keep me informed of any updates regarding the progress of this investigation. Additionally, I kindly request that you provide written confirmation once the fraudulent hard inquiries have been removed from my credit report. 

I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided below. Thank you for your assistance in resolving this issue and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

The value of my property increased since 2018, when we bought it. Their website estimates my value at XXXXkand most online info is the same. Stats show average sale price in my subdivision is XXXX. Because of this, when I considered refinancing, their officer waived the appraisal. I called the same company about simply removing the PMI. I was told by rep1 that a review must be done to confirm a value of at least XXXX. I was told no inside review was required, there would be a drive by and I had to pay XXXX for it. I did so- then I was told later by the reviewer that he had to come inside. I then spoke to rep2 at their company, he confirmed they are not doing inside reviews during the pandemic. He tried to find out why there was a switch up with me. He later said he was told an inside review was required for me, although the company has not been doing this. No missed payments, we pay on time each month. Data shows house is well over XXXX in value- the same company was waiving an appraisal for refinance- but, although others have not had inside reviews during the pandemic, I was told today by a manager, XXXX XXXX , that an inside review is required for me. Some type of discrimination is involved. If others have not had it, especially in light of the clear increase in my property value and the pandemic, why is it required for us?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter requesting the removal of the listed items below that are UNKNOWN to me. Upon discovering FCRA 605B ( 15 U.S.C. 1681c-2 ) today, I learned that you are required to remove or block any such items within 4 business days. This requirement was previously included in my complaint, and I am reiterating it here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a amount from a credit card in collections on my credit report. I did not authorize this account to be opened and was not aware of its existence. It is a fraudulent account opened in my name when i knew nothing of credit cards or credit card debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXXXXXX XXXX '' ( XXXX XXXX  XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 
1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : 1. Closed Account Still Impacting Credit Score The account is marked as " Closed '' despite having an exceptional payment history. Reporting this account in a way that negatively impacts my creditworthiness violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

3. 


Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Mortgage

I received confirmation from HSBC that my request for a loan modification had been approved as of XX/XX/XXXX. After asking several questions regarding the modification, it is clear that the modification will cause more harm than good. The STEP modification will reduce my interest initially then step back up to almost 6 % in 3 years putting me back in the same situation I am in now and will increase the maturity of my loan from XXXX to XXXX. I made in effort in good faith to request the assistance from HSBC but it seems they have only increased the hardship through this modification instead of providing assistance. This is an unfortunate matter to which I would like a resolution.
Product: Debt collection

This company Resurgent capital servicesXXXX LVNV Funding LLC is trying to Rip me off or Scam me with a debt that is not mine... 

I also requested the receipt of the bought of this account and they REFUSE and are hiding to show me this receipt .... Meanwhile XXXX Bank, Member FDIC send me a receipt that shows Resurgent capital services/ LVNV Funding LLC XXXX way less money for this account and are trying to rip me of or the owner person that owns this account with a higher amount... 

Also check the address on the statement they are providing to me person ( see Attachment ), I had never in my life lives in XXXX XXXX nor in XXXX XXXX ( NEBRASKA ).. They can not even provide a ZIP CODE .... 

BY NOW ITS SHOWS CLEARLY THEY HAVE MIX UP A DIFFERENT PERSON WITH MY NAME AND ARE NOT WILLING TO PROVIDE THE ACTUAL PROOF THATS SHOWS THAT INDEED THEY BOUGH AND THEY OWN THIS ACCOUNT... 

BTW WHERE IS THE SIGNED CONTRACT BETWEEN MY PERSON AND Resurgent capital services/ LVNV Funding LLC THAT SHOWS AND PROOF THAT I HAVE AGREED ANY BUSSINES WITH Resurgent capital services/ LVNV Funding LLC XXXX XXXX? 

BE AWARE PEOPLE THIS COMPANY UNDER THE NAME OF Resurgent capital services/ LVNV Funding LLC ARE SCAMMER THAT TRY TO RIP YOUR MONEY OF
Product: Credit card or prepaid card

I applied the American Express gold card with two promotions 1 )  getting XXXX points after spending {$2000.00} and 2 ) getting  20 % cash back for restaurant expenses, up to total of {$100.00}. After hitting the target I never received any bonuses so I called AMEX and they said my " welcome bonuses '' were rejected. This card charges a hefty {$250.00} annual fee and they are not honoring any of the promotions. They are not able to provide any specific explanation of why the offers were rejected, nor did they ever notice my of the issue during or after the application process.
Product: Credit card

Best Buy is in violation of 15 USC 16, 4215 USC 1681 AM and 12 CFR 1007 because I had a consumer made an application in good faith but credit was not issued for the More because my Social Security number which according to 15, USC 1602 is defined as a credit card was used and I receive no benefits. This is proof of fraudulent activity unauthorized use of a credit card on behalf of Best Buy. I tried calling and reaching out the number that was listed in the letter they sent me was invalid. I will, indeed make Best Buy criminally and civilly liable for all actual damages pursuant to 15 USC 1681 and 15 USC 1681o. I will also follow up with the invoice for Said violations, 1000 per violation
Product: Debt collection

I have no choice but to report this company that is reporting on my credit bureau. I have never had any business in " XXXX '' - i have submitted several disputes through experian and this has yet to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX XXXX Account # : XXXX date ooened XX/XX/XXXX bal. {$190.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I called the TD bank because I paid almost 60 % of account balance but I was told that most of payment was going through the interest rates I dont understand why
Product: Debt collection

On several occasions this past month I have spoken with XXXX XXXX. My credit reports MUST be 100 % correct across the board. This account XXXX XXXX, with XXXX XXXX XXXX and the account xxxxx XXXX, with XXXX XXXX are not on my XXXX or XXXX. I request they be removed immediately. 
I am also attaching verification in the form of my Drivers License and Social Security Card
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and XX/XX/XXXX and asked them to investigate the completeness and accuracy. Experian keeps stalling my dispute and ignoring and saying that they received request regarding my credit information that does not appear to have been sent by me and they have also misspelled my middle name on their letters they sent to me. Experian has my middle name spelled XXXX which is incorrect. My middle name is spelled XXXX. Every dispute letter I have sent to Experian has my Drivers License, Social Security and utility Bill attached with it to verify my identity that I am the one that sends them. See documents attached. 


According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have also asked Experian to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccrate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information as been modified or deleted from the file of the consume.

According to 15 USC 1681s-2 int states this. ( A ) Reporting information with actual knowledge of errors 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. See documents attached
Product: Student loan

In XXXX of XXXX I submitted a PSLF form to MOHELA because I believed I had reached the qualifying number of payments. In XXXX of XXXX I noticed the form had vanished from their website. I called and they said they had no record of the document ever being submitted and to try resubmitting. 

I resubmitted a PSLF form on XX/XX/XXXX. The website said it was received and processing. I called several times to verify the status and was told every time that it looked good and just to wait. Until I called XX/XX/XXXX, when they informed me that they had rejected it months ago because of an e-signature on the document. I had received no communication about this rejection. They told me to resubmit the document. 

I faxed the documents on XX/XX/XXXX. I called two business days later and they said the documents were received and being processed. They also showed up on the website as being processed. 

I called twice just to check on things, and was told each time things were fine and I just needed to wait. 

I got a bill on XX/XX/XXXX and called on XX/XX/XXXX to check on the status. The first person I talked to hung up on me. The second took two hours to tell me everything was fine and she was going to put the loan back into forbearance. 

I checked the status of the loan on XX/XX/XXXX and it was not in forbearance. I called again and they informed me that they once again have no records of the paperwork I submitted in XXXX and I have to resubmit again. She offered to transfer me to a supervisor but hung up on me instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.