23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX Agent due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a new home, or purchasing a car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} 2. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} 4. XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my previous mortgage company had reported me delinquent 60 days on my mortgage loan with Loan Depot. 

In XXXX I applied for their Forbearance Plan, due to being laid off for COVID 19. I received a letter dated XX/XX/20 stating we were accepted for the forbearance plan. This plan began XX/XX/20 through XX/XX/20. We sold the home in XXXX and the loan was paid off XX/XX/20. 

When calling Loan Depot I got transferred around 3 different time to 3 different Customer Service Representatives and spent an hour trying to get this removed. All 3 agreed that this shouldn't have happened, but none of them were able to remove this or get me to someone who could. When I was sent to the Forbearance Dept I received a never ending loop that only guided me to their website or email address and was not given any option to speak to a person. I did asked to speak to a Supervisor, but was told since they were working remotely they were unable!
Product: Mortgage

I contacted Amerisave Mortgage to refinance my VA loan. I was given a new rate of 2.25 % locked. 3 days before planned closing XXXX my broker called and told me that his boss stepped down and they failed to submit the required documents to the Veterans Administration and they could no longer get me the agreed upon rate. They wanted to raise the rate to 2.85 %
Product: Checking or savings account

XXXX XX/XX/year>, someone with a Coinbase account deposited two small amounts into my XXXX XXXX XXXX account. XXXX XXXX froze my account and sent me an email. I do not own Coinbase. Here is a screen shot of the depositor - " External Deposit COINBASE INC. - XXXX ''. I searched the Coinbase website and could not find a phone number to contact them. Coinbase should be able to track who is trying to empty my account. I need your help to fix this. I will do as suggested by XXXX XXXX - get XXXX  checked for malware/spyware.
Product: Checking or savings account

The Navy Federal Credit Union sent me all of the money in my saving and checking accounts as if to close my accounts. They sent the check in the amount of {$98.00} with no letter of explanation whatsoever. 

I can only assume that I am being punished for my complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Hi, In XXXX I called NelNet once I received an alert on my credit report for a XXXX decrease in my credit score. I was informed that my loans payment was due from the deferment. I explained 1. I filed bankruptcy in XX/XX/XXXX, my loan was added to the debt amount per the appointed judge and my attorney. 2. I was also laid off XX/XX/XXXX. The agent placed my loan on another deferment and advise I apply for school related discharge. Instead, I called my attorney, and he advised the loans are to be closed per appointed judge agreed the repayment would impose undue hardship on me and my dependent. I called Nelnet back on XX/XX/XXXX, I was then informed to submit a detail letter to XXXX with my full bankruptcy journals. I did that same day and called back due to me not getting the ETA of the request I was sending. Then the 3rd agent informed me NelNet isn't responsible for handling this type of request and they send them to XXXX, I then asked why I wasn't advised this on the previous call. It doesn't seem like the servicing company knows anything about bankruptcy or is giving the runaround. The servicing company received the notice of bankruptcy from the attorney office. I called XXXX on XX/XX/XXXX also and was told by that agent XXXX has no determination to discharge under my bankruptcy, and they are a general customer service company that assist with other issues. As stated in my letter to Nelnet Claims department my student loans have been discharged with my bankruptcy as of XX/XX/XXXX. On XX/XX/XXXX, I also, told by the XXXX agent to file a complaint on Federal Student Aid, due to the incorrect information given by NelNet which I completed on XX/XX/XXXX.
Product: Credit card or prepaid card

On or about XX/XX/2019 I noticed while looking at account a lot of pending charges that occurred in the XXXX. I new I didn't charge it so I called till blue in the face and I finally got a person on the phone from Direct Express. I explained it to her and she stated there was nothing she could do while the charges were pending. I got off the phone and called a bunch of times with no luck. I the looked at the card for the bank that was backing Direct Express. The gentleman from this company got someone from Direct Express to assist me. With that I filed the complaint and was told Direct Express would send me paper work to fill out and fax back before XX/XX/2019. I have never gotten the paperwork and time is running out. He had in front of him all my info on my account and was going trough the fraudulent charges from the XXXX. I have made many attempts to get back in touch and get these charges reversed and put my money back. Every cent I have is crucial to me. Last contact with them was XX/XX/2019 spoke with XXXX he gave me this number : XXXX. Direct Express was good to me until I needed help. I feel they dropped the ball completely.
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX AUTO Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX AUTO Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023
Product: Credit card or prepaid card

Value city closed my credit card and damaged my credit report. They did not reply with any reason to why they close my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX An identity theft report has been made for removal of these hard inquiries.
Product: Credit reporting or other personal consumer reports

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove personal information and inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, EQUIFAX & XXXX  have not removed it from my credit report.
Product: Credit card or prepaid card

I was injured at work. On  XX/XX/XXXX  i received a letter from New York state saying they made a determination as of XX/XX/XXXX  they felt i was still unable to return to work. My credit card was due on  XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx.   XXXX   XXXX   ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current.
So i called back on XX/XX/XXXX  at approx   XXXX   XXXX   ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time.
On XX/XX/XXXX  i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx.   XXXX   XXXX   ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on  XX/XX/XXXX  and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done.
I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am   XXXX   and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. XXXX XXXX XXXX XXXX No knowledge, not my account. These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete, and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference. l am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Product: Debt collection

XXXX XXXX ( XXXX at XXXX XXXX ) sent an account to collections for move out fees. I have never lived at that property. I requested a copy of the lease from XXXX and the collections company, Genesis. Neither have been able to provide proof that I ever lived at that property.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX i seen that XXXX Service reported a negative items ( LATE PAYMENT ) on my credit report. I wrote XXXX XXXX 3 certified letters and got NO RESPONDS! on My XXXX letter was XXXX  certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( my 3rd letter was on XX/XX/XXXX ) ( certified mail # XXXX XXXX XXXX XXXX XXXX XXXX On the Equifax report its reporting 100 % on time but showing late payment that is inaccurate! 15USC 1666b TIMING OF PAYMENT! A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.. 15 USC 1637B I never got a letter in the mail b4 or after the payment due date. SECTION 623 ( A ) ( 7 ) ANY FINANCIAL INSTITUTION THAT FURNISHES NEGATIVE INFORMATION TO A CONSUMER REPORTING AGENCY MUST PROVIDE NOTICE TO THE CONSUMER BEFORE OR WITHIN 30 DAYS OF FURNISHING SUCH NEGATIVE INFORMATION IN WRITING TO THE CONSUMER ITS A FCRA REQUIREMENT, SO WHY IS IT A LATE PAYMENT ON MY XXXX, EQUIFAX XXXX XXXX, ,MY RIGHTS TO PRIVACY HAS BEEN VIOLATED 15 USC 1681 ( A ) ( 4 ) BY XXXX AND BY EQUIFAX, XXXX XXXX XXXX XXXX! XXXX! REMOVE THIS LATE PAMENT!!! XXXX 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 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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed item 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 Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

hello I borrowed money by offering XXXX as collateral to Celsius. 
They are providing a loan service, and even if they repay the borrowed money, they do not return the collateral. 
Why do I have to repay the borrowed money and why do I have to pay interest monthly if the collateral can not be recovered? 
It's too unfair. 

Celsius Network LLC Celsius Network LLC XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX XXXX XXXX : XXXX XXXX Celsius Lending LLC- XXXX ID- XXXX XXXXXXXX XXXX XXXX XXXX XXXX Celsius Network LLC Celsius Network LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX LLC- XXXX ID- XXXX XXXX  Consumer Access
Product: Debt collection

IN THE PROCESS OF FIXING MY CREDIT I SAW I HAD A DEBT FROM XXXX WHICH WAS {$550.00}. ON XXXX REACH OUT TO THE COMPANY WHO'S NAME WAS ON THE REPORT WHICH WAS ( CONVERGENT OUTSOURCING ) SPOKE WITH SOMEONE WHO TOLD ME I COULD PAY A SETTLEMENT PRICE OF {$200.00} DOLLARS IN WHICH I DID BY GIVING MY CARD NUMBER OVER THE PHONE. I ASKED WHEN WOULD I RECEIVE A LETTER SAYING I PAID THIS BALANCE AND ALSO A REFLECTION ON MY CREDIT REPORT. I WAS TOLD IT WOULD TAKE 24-74 HOURS TO SHOW ON THERE SYSTEM AND 3-5 BUSINESS DAYS FOR A EMAIL TO COME SHOWING I SETTLED THE DEBT AND MY CREDIT REPORT TO BE UPDATED. I HAVE CALLED SEVERAL TIMES STATING I NEVER RECEIVED A EMAIL AND THE PAYMENT WAS TAKEN OUT MY ACCOUNT AND IM STILL TOLD ITS SHOWING ITS ON THE WAY. ITS XXXX STILL NO EMAIL ITS STILL ON THE WAY AND MY BALANCE STILL SHOWS A BALANCE OF XXXX BUT THEY SAYING ON THERE SYSTEM ITS SHOWS PAID IN FULL.
Product: Mortgage

I submitted a form for a XXXX, a mortgage assistance program, to my mortgage servicer, Bayview XXXX XXXX XXXX. At this time, my mortgage is at XXXX XXXX % and the monthly payment represents more than 65 % of my gross monthly income. I started the process XX/XX/2016 and now after XXXX representatives and sending all the documents needed. It is clear to me that they have not presented my documents to the government program, XXXX. It is clear to me that Bayview XXXX XXXX is catering to the investor who is holding my mortgage, XXXX. With interest rates so low, why would they release my mortgage to be amended under the XXXX program. They did n't submit my application and denied my request to submit it. I tried to refinance but my income is too low so I was denied. I have been paying for 11 years and am current but it is very difficult for me at this time to continue paying such a large portion of my income to stay in my house. The government should be going after the loan servicing companies because they are abusing people like me.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Removal of Paid Collection from Credit Report Dear CFPB Team, I am writing to formally dispute the continued reporting of a collection account on my credit report, despite the fact that it has been fully paid. The account in question is detailed below : Original Lender : XXXX XXXX Name : [ XXXX XXXX XXXX ] Date Assigned : XX/XX/XXXX Original Balance : {$250.00} Current Balance : {$0.00} ( Paid in full ) Under the provisions of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. The continued listing of this account as unpaid is inaccurate and misleading. 

Enclosed, I have provided proof of payment for this debt, demonstrating that the balance has been satisfied in full. I kindly request that this inaccurate entry be promptly removed from my credit reports with Equifax, XXXX, and XXXX. 

Failure to address this issue may result in further action to protect my rights as a consumer. I trust that the CFPB will help ensure the compliance of the credit bureaus and the reporting agency with federal laws. 

Thank you for your attention to this matter. Please feel free to contact me directly if further information is required. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : XXXX of the credit report showing the collection account Proof of payment for the collection account
Product: Checking or savings account

Someone hacked my Marcus by Goldman Sachs high interest savings account ending in XXXX. They verified my identity by the last 4 of ssn and DOB. Some hacked the account and changed the email address or better yet I feel like Marcus doesn't want me to get into the account. They said they couldn't send me a one time authorization code to my cell because it isn't " working ''. I do not believe that. They refuse to give me any information on the case. I have over {$1000.00} in that account and was able to log in a couple of weeks ago. Now they refuse to help me gain access to my account. This is starting to feel like one big scam. I called on XX/XX/2024 and was on the phone for 1 hour and 9 minutes. I got transferred to 4 different people that all said the same thing. They would not let me talk to the person actually handling my case or transfer for me to the fraud department. I called on XX/XX/2024 to get an update and they refused to give me one.