23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had started a mortgage modification .... I was told they will give me a relief program what I was not aware of at the end of the year I would have to pay double plus the payment and my balance of loan went higher .... I ask  Select Portfolio why the y gave me this loan .... they said ok we will help you now they gave me a interest only loan and said if I do not take it they will foreclose my home ... .. I wanted to appeal and they told me if I did this they would not accept my next payment ... .. This is why I am trying to save my home and if the balance of my loan keeps increasing I will never be able to save my home .... I have  XXXX  children and my family close to me who help me take my children to school while I work .... Please I have sent a letter to our  Congressman   XXXX   XXXX  for assistance .... I have complied with every request from SPS and now my loan is worse and higher ... .. Please help me save my home I also have sent a letter to  U.S Treasury Dept.  Please help me.     Sincerely,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I have attached a consumer report as evidence.
Product: Debt collection

I received emergency medical service in XXXX, Nevada. I am a resident of XXXX and have medical insurance I receive medi-cal and I am covered on all emergency visit inside the USA. My medical insurer, XXXX XXXX XXXX contacted the XXXX XXXX XXXX and informed them they could send the bill to XXXX. A XXXX XXXX representative agreed over the phone and still have not billed XXXX. XXXX XXXX XXXX has sent my account to collection.
Product: Vehicle loan or lease

I have requested a copy of the contract from this company on XXXX XXXX I 've also called over 43 different times trying to reach out to the company and still get no understanding from them. Their not trying nor will they help me. I still have n't received a copy of the contract and they refuse to pick up the XXXX XXXX XXXX. I 've requested them to pick up this vehicle in XXXX, XXXX, XXXX and XXXX XXXX and they refuse to do so but continue to report it on my credit report. They told me over 15 different time that they mail the contact off and they come back and say we just mailed it. I co-signed for my daughter who has the vehicle and there 's nothing I can do without a copy of the contract. I 've asked them to pick this vehicle up and they want but continue to report that 's no payment is being made to my credit report but want help me in getting this vehicle back to them. They talk so nasty to me when I try to reach out to them for help!
Product: Credit reporting or other personal consumer reports

You can continue to mark as duplicate without regard to whats in actual complaint. Pre litigation demand processed- XXXX will not receive any monies from this outrageous violation of consumer rights. 

FINAL ATTEMPT AT RESOLUTION WITHOUT LEGAL REPRESENTATION XXXX is reporting an invalid debt based on its conditioning loans to servicemembers on repayment by allotment, in violation of the Military Lending Act ( MLA ), 10 U.S.C. 987 ( e ) ( 6 ), and conditioning loans on repayment by preauthorized electronic fund transfers, in violation of the Electronic Fund Transfers Act ( EFTA ), 15 U.S.C. 1693k ( 1 ), and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.
Product: Debt collection

This XXXX debt is not legitimate. It is for a charge that was taken care of by my old insurance. I have repeatedly asked for documentation but the hospital closed a couple of years ago and they will not give me any documentation. They continuously call my sister harassing her about this supposed debt that Im not responsible for!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
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. 

Account name : AM XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that there were multiple inaccuracies on my credit report, which I believe are preventing the credit bureau from issuing me a score.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I had seen a XXXX transfer from my bank account thats associated with Wells Fargo of XXXX to someone who registered my information on their XXXX account and also had changed my information that was on my XXXX XXXX, that transaction wasnt authorized by me or did I send that amount of money I filed a claim with Wells Fargo and weeks later my claim was denied I asked what further documents do I need to show just prove that it wasnt me I was then told I authorized the transaction which was not the case and they stated theres nothing more I can do on my end. when I closed out my account and when I received an email of my account being closed I noticed the name of my account that I had closed out was under XXXX XXXX which who I do not know of. A lot of money was taken out of my account which caused a hardship on me and Wells Fargo does not was replace the money that was taken from me its really frustrating that my bank doesnt want to help me out this is the first time something like this has ever happened to me.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE 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 I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES ARE NOT MINE 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

Multiple late payments are inaccurately being reported to the three credit bureaus for an auto loan XXXX opened on XX/XX/year> for {$16000.00}
Product: Credit card or prepaid card

I disputed the charges and file a complaint with the XXXX XXXX XXXX XXXX to send a complaint to the " hotel '' and their percent company provided photos of broken tiles and thorn seats explained it all left after 2 days and was charged XXXX for that. and it was not a functional hotel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX for {$650.00} submitted on XX/XX/2023. 


I am writing to appeal the decision regarding my recent billing dispute for a stay at [ Hotel Name ] in XXXX XXXX, MD from [ Dates of Stay ]. I booked this hotel specifically because they advertised having suites with kitchens, which my family requires to observe XXXXXXXX XXXX XXXX 

Upon arriving at the hotel, we discovered it was under extensive renovations with no services- contrary to what was represented during the booking. The property was unsafe and uninhabitable, with a dumpster out front and no staff besides one person who instructed us to throw our own garbage outside. 

I disputed the charges for the unused portion of our reservation, but you sided with the hotel 's version of events without conducting a proper investigation. I have provided photographic evidence clearly showing the hotel 's unacceptable condition. 

It is unjust for you to reimburse the hotel when they misled us and failed to provide habitable accommodations. As a loyal customer for [ XXXX years ], I kindly request that you reconsider your decision in light of the supporting documents provided. Please refund the charges for the [ 2 ] nights we did not stay at the property. I am reasonable in my willingness to pay for the nights used, although the stay was extremely unsatisfactory. 

I look forward to your prompt response and handling of this appeal, as the disputed amount of [ Charge amount ] is a financial burden. Please contact me at [ phone ] or [ email ] with any questions. I hope we can swiftly resolve this issue to our mutual satisfaction. 

Thank you for your attention to this matter.
Product: Debt collection

This account was settled in full on XX/XX/2020 for {$760.00}. I have received letters stating that the account would be considered settled in full with a XXXX balance, but never an actual letter showing a XXXX balance despite multiple requests. They have also not updated the account with the credit bureaus since XX/XX/2020. I am trying to buy a house and need this resolved.
Product: Credit reporting or other personal consumer reports

My private information was compromised and data breach incident involving XXXX XXXX XXXX. I am also a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all three XXXX, XXXX, and Equifax about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.
Product: Credit reporting or other personal consumer reports

I Am unaware of this debt and i did not have the proper oportunity to dispute this debt. 

However, if you believe is mine I would like to request from you the certified receipts with my signature where I receive proper notice from you, 15 USC 16 81 I 5 requieres a debt collector to properly notify a debtor of any debt collection account they received within 5 days.

You may send the certified return With signature that you send me to my current adresss
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I submitted three online requests to freeze my credit with each of the three credit  reporting agency ( i.e., XXXX, Experian and XXXX XXXX XXXX. 

In its letter, dated XX/XX/2019, Experian denied my request and requested all the information I provided online again. 

I replied, asking Experian to identify which of the laundry list of items it actually needed, because I had already provided all the requested information. 

In its letter, dated XX/XX/2019, Experian again denied my request and requested all the information I provided online again. 

We repeated this process a few more times and I have had enough. They refuse to put a credit freeze on my account AND refuse to identify which specific piece of information they need to do so. 

This is unacceptable. 

More importantly, given the various data breaches and creidt hacks that have occured, the general rule should be to freeze the credit report until Experian can get confirmation one way or another instead of leaving my credit report exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, 1st issue XXXX is paid in full XXXX balance account ending in XXXX .I have sent the letter to Creditors to correct still showing balnace of XXXX no balance should be showing. 
2nd is Law office of Mitchell - Not my account should be removed I do not owe Lawyer -none. total XXXX not my account. account XXXX ( no  account with this company ) XXXX XXXX XXXX XXXX same affiliated creditor. not my account. 
should not be on my credit report. 
I sent documents and disputes still on my report.
Product: Mortgage

Please be advised that the following statements are not limited to the legal complaint found herein I had requested specific documents from the bank aka Wells Fargo received by me on XX/XX/XXXX concerning copies of original closing Settlement statement with the U.S. Department of HUD concerning my home located at XXXX XXXX. XXXX XXXX, XXXX XXXX, Florida XXXX After careful evaluation of the documents sent from the bank, I compared the copies sent from the Bank with the originals I have and hold in my possession. I have clearly noticed that the documents sent from the bank that the signatures did not exactly match those of the original documents. The signatures OF SAID DOCUMENT provided by Wells Fargo APPEAR TO HAVE BEEN Noticeably TAMPERED with, SUPER IMPOSED, SCANNED FROM OTHER DOCUMENTS then POSTED ON THE COPIES SENT FROM WELLS FARGO and are not considered OR ASSIMILATE AS being AUTHENTIC IN COMPARISON WITH THE ORIGINAL HUD SETTLEMENT STATEMENT ( XXXX XXXX XXXX ) and is better translated or considered as some kind of intentional forgery in reliance to the signatures which consequently would affect and disrupt all legal passive actions and judgments that the Bank as exercise or implicated against me. 
In consideration of the following this causes a serious and dangerous act againts my person, which can be remedied accordingly. After reviewing the documents I decided to dig deeper so I went and pulled documents from the foreclosure process and came to discover that many documents submitted to the Court where missing paragaphs, signatures, pages, and the list goes on, WELLS FARGO EXECUTED MANY ANSWERS THE COURT VIA ATTORNEYS THAT SHOULD HAVE BEEN DISMISSED OR ADDRESSED. 
In pursuit of my complaint the Bank as been known to use constant illegal methods, and strategies, to unjustly FORECLOSE AND PLACE LIENS OR INFLUENCE JUDGMENTS THAT SHOULD HAVE NEVER CAME INTO EXISTENCE. 

There is no word to describe how difficult the dealings with Wells Fargo have been since the origination and transaction of the loan that was transferred from XXXX XXXX TO XXXX, TO WELLS FARGO and reassigned to XXXX XXXX XXXX XXXX. It is my clear understanding that WELLS FARGO sold the loan to XXXX for a discounted reduced sum much inferior to what was owed concerning the balance of the loan. Wells fargo also purchased insurance policies at my expense 4 times the normal amount itwould cost they would charge for a year of coverage and then cancel the insurances within 3 months or less still charging the full amount. Corruption added with injustice is the practice that this banking system operates on. 
They CAN NOT BE TRUSTED nor can they be rewarded for causing this kind of voluntary damage to my person Which reserves the sound right for me to defend my just cause and expose on founded grounds the continuous perversion associated with this peticular banking system. 


Thank you for reading my complaint I ask that appropriate remedies be initiated and applied concerning this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX  XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data. 

Details of Discrepancies 1. Inconsistent Closure Dates : According to TransUnion, the account is reported as closed on XX/XX/year>2020, while XXXX does not list any closure date, and XXXX provides inconsistent reporting. 
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency. 
2. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/scrub> 2020, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors. 
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly. 
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year>2020 and XX/XX/scrub> 2020, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate. 
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution. 
XXXX. Dispute Resolution Timeline : Both XXXX and XXXX note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated 30-day period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA. 
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes. 

Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ). 
Provide me with an updated credit report reflecting corrections. 
Inform me of the results of your investigation within 30 days, as required under the FCRA. 


Proof of identity is attached below
Product: Debt collection

This has been a night mare I have spent hours upon hours trying to fix this and if I owed XXXX dollars I would have paid it I have never had collections I dont have any late payments. I asked them time and time again to send me a affidavit they keep sending it to a email unknown to me I have explained this over and over again. I found out someone only needs the last 4 digits to your ss # and your birthday to get these loans. My XXXX report had 3 variations of my SS XXXX XXXX different names I have called the so called merchant they have no record of me so I dont know what or who did this crazy thing but I need it gone as soon as possible it is hurting me for no reason. 
I finally got the affidavit from the XXXX to fill out and our mail boxes were broken into all our mail has been stolen 4 times since XXXX and I have had several accounts I had to get taken care of yet none that have made it so difficult as these people. I pay my bills and this is complete craziness that I would have to pay a fraudulent account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XXXX XXXX XXXX. I transferred {$3600.00} from Square ACH payment to XXXX bank. I didnt know my chase account was closed, got a notification when i went to use card to call chase. XXXX on XX/XX/XXXX, said funds was returned and should return to Square ACH payment will return back to originator the same was it was sent. Call Square and square said 7-10 business days I will see it in account. Call Square back 12 days later and they said her you need a letter from bank to prove funds was returned so we can submit a service desk ticket. On XXXX XXXX XXXX I got a letter from XXXX XXXX  XXXX XXXX from Branch Manger with transaction number showing returned, emailed it to square. a week Later Square said they didn't get letter, so I email it back. XXXX Called back to Square and I got the same funds should be back in account and let me submit an ticket, what they never submitted ticket. Then I get a response from a square support member needing me to submit my signature so they can contact the bank. Then i realized on the letter square sent me had the wrong bank name ( XXXX XXXX XXXX XXXX on letter ) instead of XXXX bank. Called back to square to inform them of their mistake and they said someone will reach out to me and now its XX/XX/XXXX and no return calls.
Product: Credit reporting or other personal consumer reports

An account recently appeared on my credit report with XXXXDept of Ed as a creditor for a loan opened XX/XX/XXXX for an original balance of {$5500.00} and a current balance of {$5600.00}, originally reflecting the status as in forbearance. I do not have any student loans currently and was not in school at the time the record shows the loan was opened. It also reflects a payment made as recently as XX/XX/XXXX. 

I contacted XXXX directly on two occasions and they were unable to locate any account with my social security number. I also filed a credit dispute with Experian. The response provide validated the debt but corrected other information, specifically removing the forbearance.