23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of doing a HELOC with Bank of America. The originator of my loan application. The originator said I could have my home appraised because I disagreed with their automated valuation tool. Today my processor tells me that BofA is refusing to send an appraiser to my house because I have n't made upgrades in last 365 days. It is my understanding that I 'm entitled to a appraisal from a licensed appraiser if I disagee with their home valuation software aswell as I was told by the orginator before I applied.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XXXXXX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$82.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$110.00} XXXX  - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$6900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

XXXX XXXX continues to report erroneous claims of a debt via two accounts listed ending in XXXX XXXX XXXX  and in XXXX XXXX XXXX These accounts have not been verified as accurate and there has been no information furnished to me about the process used to validate the debt.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report, which I believe is inaccurate. This dispute is made under the provisions of 15 U.S.C. 1681o, which holds entities liable for negligent failure to comply with the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my report are in error : I request that you conduct a thorough investigation into this matter and correct any errors in my credit file. I am entitled to dispute inaccurate information under the FCRA, and you are obligated to resolve these discrepancies in a timely and accurate manner.

Please provide a written confirmation of your investigation and the steps you take to resolve this issue. If you fail to correct the information or provide adequate evidence supporting its accuracy, I may consider this a violation of the FCRA, as outlined under 15 U.S.C. 1681o, and I will pursue further action.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I sent Experian a dispute letter last month informing them that there is a medical violation on my credit report for accounts XXXX and XXXX. The original creditor is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. I never signed any disclosures or permitted my personal information to be shared. This collection company/debt collector does not have permission to furnish this alleged debt. I have no binding contract with them, and Experian failed to do their due diligence. I am protected under HIPAA laws. XXXX has removed these accounts from my credit report. Please see the attached dispute letter which is dated, and time stamped and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i am making a complaint about a late payment / delinquency reporting on my credit report, on all the XXXX credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
Product: Mortgage

This past month Ive been submitting documents for the lender so I can get a short sale completed. We finally sent them everything needed and they said that we took too long to get them the documents. The auction is next week but Ive been working on getting everything they asked for and right when they have it all they deny it.
Product: Debt collection

A processing company contacted me on XX/XX/XXXX asking me to call XXXX regarding a case file and papers to serve. I called the company at this number. They say their name is XXXX XXXX and XXXX a law firm located in XXXX California. They state they had attempted to serve papers on me to sue me for intent to defraud/refusal to pay a balance on a Lowes Credit card XXXX They gave me a case # and stated the amount they are suing for is {$3200.00} including interest and attorney fees. I told them I dont owe Lowes Credit any money and the balance was paid many years ago and account closed. I reached out to Lowes Credit Card managed by Synchrony Bank on XX/XX/XXXX and was told this account was closed in XXXX and archived and no info can be pulled. 
Today on XX/XX/XXXX a message was left on my wifes phone to call XXXX regarding a case file #. She called them and they stated they are a law firm by the name of XXXX XXXX in XXXX XXXX Missouri. They said they had attempted to serve me papers suing in the amount of {$5200.00} due to an unpaid balance on a Lowes Credit card through Synchrony Bank. My wife told them I dont owe this debt. 
I believe this is fraudulent. They are seeking money I do not owe and I believe they are falsely representing themselves as attorneys. All of these conversations have occurred over phone. I have never received any paperwork.
Product: Mortgage

This is a continuation of CFPB closed # XXXX. 

As you can clearly see by the evidence presented ( the threatening letter from Rouff Mortgage and page showing my automatic payments made ) I am NOT behind in payments nor do I have any evidence that any were late. 

Auto pay is set up to take the payment out on XXXX of each month to by the XXXX of the next month to always be on time. This is an electronic payment, not mail which might be lost! 

This is nothing short of harrassment to get another extra payment and I am NOT playing that game again! I never received the letter last time but paid that one regardless to be done with it since a corporation can produce anything they want to from a computer but an unsuspecting consumer can not prove they never received it! Refreshing your memory when I phoned the XXXX XXXX office to verify the XXXX due date, they said " first payment due '' in XXXX is correct and proved my point. 

I am tired of this harrassment. Either XXXX is making an effort to get more free profit, or they can't adequately run their own business.
Product: Debt collection

Hi National credit systems has enter a debt that wasnt verified for an apt that I never rented. I call the XXXX XXXX XXXX XXXX about this debt and they said they had no record of me staying there. ..
Product: Credit card

I want to be sure that PayPal smart connect account ending XXXX is closed. Filed separate complaint after account was handed over to debt collection agency. Paypal has not been mailing me statements. Final amount due paid. Ensure account is closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a Fraudulent Account. I originally sent Equifax a copy of my FTC IDENTITY THEFT AFFIDAVIDT which was received by Equifax on XX/XX/2023. The address used to apply for the XXXX XXXX XXXX XXXX XXXX '' account is a fraudulent address and was already blocked by Equifax, so it should have never been reporting in the first place. However, the FTC alone should have been enough to remove the XXXX XXXX XXXX account XXXX I also sent a copy of the deletion letter from XXXX XXXX XXXX XXXX XXXX '' removing the account from my credit reports. Equifax still hasn't removed it. Additionally, I have provided an FTC IDENTITY THIEFT AFFIDAVIT indicating that XXXX is a FRAUDULENT INQUIRY for the past 5 months and Equifax STILL hasn't removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Loan for a vehicle was opened in my name with Chrysler Capital in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX informing them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by Chrysler Capital that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries are all fraudulent accounts and credit inquiries : XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I filed a police report with the XXXX Police Department. The police report case number is # : XXXX. The XXXX Police Detective who wrote the police report and is the investigating officer on the case, his name is : XXXX XXXX, of the XXXX Police Department Fraud and Forgery Unit, and his phone number is # : XXXX. XXXX XXXX can verify that all the above accounts and credit inquiries are all fraudulent accounts and credit inquiries that are not my accounts or credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute SEARS/CBNA Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but SEARS/CBNA continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.
Product: Credit card

RE : COMENITY CAPITAL BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX 

My name is XXXX XXXX, I have made a full on XX/XX/year> payment with {$0.00} balance via their automatic phone system on the due date on time to the full amount owe to the XXXX XXXXXXXX XXXX company above but they have now sent {$100.00} total in fees and late charges reported a fraudulent credit report which have caused damage to my credit score to go down from XXXX to XXXX. 
I spoke to a manager/representative name XXXX ID # XXXX which acknowledged that he will correct the problem and said that XXXX XXXX XXXX will correct the problem with credit report as well on XX/XX/year> and that they will send a confirmation via email that the balance is {$0.00} but the mistake was not corrected still {$100.00} in late fees changes.
Product: Checking or savings account

My debit card was compromised the week of XXXX. I made the decision to close my accounts. About XXXX I removed all my funds and closed my savings account. I requested no further transactions be allowed until the final fraudulent charge of {$5.00} was cleared. My account should have also been marked to not let any charges through if there were insufficient funds as this is ALWAYS the option I choose. 

A charge from my electric company was allowed to go through and the fees began. Including a fee for trying to transfer funds from my checking to my CLOSED savings. 

On XXXX I noticed the issue and called. All the fees were waived and I was going to pay the funds for the charge of {$84.00} the next day. But more fees were added that night. I went and paid the {$84.00} as agreed and was told my account would be closed. 

Now more fees have been added. I had one autopay from XXXX XXXX that I had not realized needed to be moved. But had the account been closed in late XXXX as requested it would n't be an issue. The balance is - {$88.00}. I have tried multiple times to resolve this issue over the phone. The last call with a supervisor was disconnected and I was not called back. I do not feel I should have to call again and explain again. I want my account closed. I feel that Compass has acted punitively for me trying to close my account.
Product: Student loan

Please refer to prior complaint as well. 

I received two direct deposit refunds and one check totalling to XXXX following my claim in XXXX to the CFPB after requesting money paid towards my loans during the pandemic refunded. My current balance through Mohela now, however, is XXXX, with interest ( please see attached document for confirmation ). As I was at a XXXX balance prior to my requested refund, and there has been no interest throughout the payment pause duration, these numbers don't add up. I have contacted two upper level Mohela reps ( after being on hold on the phone for almost two hours for each call ), once in late XXXX and again after I never received the promised call with a resolution within a week in XXXX. I was told this would be resolved again within a week and I have not heard back. When I called two days ago, a representative said there was no record of either call and that they couldn't determine the discrepancy with the balances other than that I might get a check with the remainder. This is unacceptable. I need to either be fully reimbursed to the total currently listed on Mohela 's website or the total owed needs to be adjusted appropriately.
Product: Credit reporting

Treated poorly by credit reporting agency staff that no verification needed to be sent. I feel that a proper investigation was not done as there 's XXXX collections on my report for Experian that will not be removed I do own these debts and I am still disputing them, I was told that I have to call the original creditor I 've never received any documentation from either of these companies so I feel that any communication that I start with them could be used in their favor because they are a fraudulent debt collection agency I want these accounts removed as they are not mine. I am a XXXX. Maybe they belong to my deceased father who passed away who shares the same name
Product: Debt collection

This is an incorrect charge on my credit report. Equipment was returned to  XXXX  on  XXXX / XXXX /2015 to a  XXXX  representative.
This item was previously removed from my credit report but was sold to another party and added back. The previous company reporting this item acknowledged   XXXX    error and removed the item. I would like this item removed and barred from being added by yet another party, as they seem to just sell the account to someone else after it is removed.
Product: Debt collection

This collection agency called myself and my sister at XXXX. A voicemail left by a XXXX XXXX stated " giving you a call in regards to a petition of garnishment filed against you by XXXX XXXX. Prior to submitting the paperwork on your behalf I just want to go over with you because you do qualify for a settlement on the loan. '' This collection agency has no right to contact my family over an old debt. The agency also has no right to do ANYTHING legally on my behalf. They are not my lawyer and have no permission from me to act on my behalf. Also, according to my credit report, when this debt was sold to a collection agency, a payment was made that re-aged this debt illegally. The payment was made on XX/XX/2017 completely without my knowledge. I will also be filing a complaint with my state 's attorney General as well as New York state 's attorney general, and the XXXX. I will also be forwarding recordings of the voicemail on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the dispute with XXXX XXXX beginning in XX/XX/XXXX and believe the reporting is inaccurate and in violation of consumer protection law. Specifically the FCRA and FDCPA.
Product: Debt collection

I check my credit report atleast 2-3 times a week. I logged into my XXXX XXXX  Saturday XX/XX/XXXX and notice a new collection from common wealth financial in the amount of {$1600.00} that was opened XXXX XXXX from an original creditor called XXXX XXXX XXXX Monday XX/XX/XXXX I called common wealth financial ( XXXX ) XXXX and asked for information about the bill considering I never received a letter, a phone call a medical bill or anything to inform me of a bill that could possibly be sent to collection and have not been to any dr office nor had any medical attention that wasnt covered by insurance over the past few years and they stated they couldnt retrieve the information for me without paying {$1.00}. I paid the {$1.00}. And then he told me I had to pay XXXX for the information and another XXXX to create a membership with them in order for me to retrieve information about the bill. I immediately told them I wasnt giving them any money and hung up worried it was a scam. I later check my bank and notice 3 different charges of {$1.00} was taken without permission. I contacted customer support and they werent any help and wouldnt give me any information either
Product: Debt collection

Theres a fraudulent collection account named : ERC showing on my credit report and its affecting me to buy a home
Product: Debt collection

These people keep calling me and harassing me threatening me about a debt supposedly owed by my son. I keep telling me to stop calling me. I did not commit to anything with them and they keep calling me from different numbers. I work with my phone and can not continue with their harassment to find my son. Please make it stop.
Product: Credit reporting or other personal consumer reports

This is not my account there is no contract between me and XXXX XXXX XXXX stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account Immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent this company a letter requesting they validate that Im am the actual owner of this debt via a contract with my signature. This company failed to respond then once I reported with your bureau they replied with a stall letter and no proof that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorize only for one company to run my credit report for a car, and mortgage. And its more than one on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on forbearance since XX/XX/XXXX. I received a phone call on XX/XX/XXXX if I didn't make all 3 payments now they were going to foreclose on me. I asked cant we put the payment at the end of our loan and she stated no this is a forbearance we needed to pay today. I paid {$5500.00} on XX/XX/XXXX it posted from my account on the XXXX. I noticed a week later that my statement never updated that it said I was still 3 months late. I made a phone call and they told me they see my payment but don't know why it hasn't posted to my account that they need to send it up to higher personnel. I called back on the XXXX and they still don't know why its not fixed. I called them everyday since until someone would fix my account. Finally 3 weeks later the payments finally were posted to my account. I also adked to make sure they never report this on my credit and every person I spoke to assured me it would not go on my credit because it was there fault. Well here it is on my credit as a negative for 30 60 & 90 days delinquent which effect my credit score. So now I have called them again every day this week about my credit reporting and of course there is no one we can talk to that we have to wait for a manager to call us again that never happens. So just need them to fix my credit