23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got behind on my mortgage payments while I was caring for my ill mother. I contacted the mortgage company, and they did some kind of trial payment plan, and I completed that, and I was under the impression that everything was fine. I continued to make my payments on time for several months until XXXX when my payment was returned. We contacted the mortgage company again and they said they didn't get a signed paper that I sent in. I was not notified that they did not receive that paper, and I would have resubmitted, but they said my house was going into foreclosure. so, they gave me the option to submit another application and that was denied. So now they are saying my only options are to pay the full amount past due ( which they won't tell me how much that is ) or I can short sale the house or let it go into foreclosure. I'm trying to keep my house because that is my home and don't have any place to go. 
My husband called the mortgage company again today and they said we had to submit another application ( # XXXX or XXXX ), I will do that, but I want to make sure I can get someone to help me keep my house. 
Why did they keep taking my payments if they were going to foreclose on my house?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXXBalance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$390.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.
Product: Credit card

I have had an excellent credit history with my Old Navy account with Synchrony Bank, and they sent me a letter one year ago lowering my limit due to a low credit score. Then they sent a letter now closing my account, saying they decide to close it due to my negative reports on my credit report and too many accounts. I have not given them permission to continually check my credit report like that. AND, my card has been at a XXXX balance, paid off, for at least three months.
Product: Mortgage

My morgage co increased my hazard insurance from XXXX to XXXX I'm on a fixed income do I have any recourse they also won't give me a declaration page from the insurance Co or the phone number to the insurance Co what ate my choices
Product: Debt collection

Already one complaint against capital one Bank account XXXX is on file report was made on XX/XX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency XXXX which report to my credit report last XX/XX/XXXX for the sum of {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY XXXX XXXX XXXX ALLY XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Equifax credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Equifax. 

In addition, I demand the following fraudulent inquiry be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiry be deleted from my credit report immediately. 

- XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a judgement, was told as soon as it was paid they would update court records and credit report. 2 1/2 years later received notice that it had not been updated to either credit nor court. I have a letter stating account settled in full with XXXX balance, and that they would be updating my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As being a victim of identity theft. I have repeatedly sent all files and documents to EQUIFAX and XXXX. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian and Equifax, as a credit reporting agency, block the fraudulent information on my consumer credit report within four business days of receiving this complaint. The following accounts do not belong to me and were fraudulently opened without my authorization : These accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. All of the listed accounts, collections, and inquiries are the result of identity theft and fraud. As evidence, I have attached a copy of the FTC Identity Theft Report from the U.S. Federal Trade Commission, confirming that these items are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 3. Identity Theft XXXX  CARD Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 4. Identity Theft XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 5. Identity Theft XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION
Product: Payday loan, title loan, personal loan, or advance loan

Acima. I took out a loan to pay for tires through Acima, I went through my payment process with the salesman and he didnt tell me that paying over double was the hidden deal within the contract. I didnt like that this wasnt explained to me. I ended up selling the car to a dealership and ended up not having the tires anymore. First time I talked to them they said it would Be a resolution, next time asked me to pay a settlement then gave me three different settlement offers. Safe to say I will NEVER deal with Acima & its predatory practices. Or the hidden double price of the product.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hunting my ability to obtain credit.
Product: Debt collection

Comenity banks calls everyday starting at XXXX on average of XXXX  times a day. I have asked to be taken off there call list to no avail. They repeatedly call and harass with automated messages. This has to stop!
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to LVNV FUNDING  which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies or I will have no choice but to forward this to my litigation attorney.
Product: Student loan

I have been working for the same company since XXXX, which is considered a qualifying employer under PSLF. I was employed full time as a XXXX XXXX XXXX XXXX and was told that I should put the loans on forbearance during my residency, and I know now that that was bad advice. I started paying my student loans after I got my first full time job out of residency in XX/XX/XXXX, the first payment was in XXXX. I made 17 payments total towards the PSLF program before getting another full time job in XX/XX/XXXX. When I got this new position ( the program I currently work for ), I filed employment verification and was told my payments do not count. The position was for 32 hour/week with full time benefits. I was told that because the company does not consider me " full time '', I can not count my payments. The company gives all employees working more than 30 hours/week full time benefits, and the PSLF " full time '' definition is more than 30 hours/week. I still work for the same program now, and have changed positions recently but still work 32 hours/week. My original loan amount was roughly {$90000.00} and the most recent loan information states I have paid over {$150000.00} in loans and interest. It is not fair that I continue to suffer with these payments. I have started a family and have continued to serve the vulnerable population through my work and get penalized for this technicality.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX around XXXX XX/XX/year>. I contacted them on XXXX XX/XX/year> to seize and desist and to stop contacting me because I have never transacted any business with the company. I want the company to stop contacting me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I noticed significant discrepancies in the reporting of the XXXX  account ( Account Number : XXXX ). The balance is reported as {$0.00}, yet the status shows {$660.00} written off, indicating conflicting and inaccurate information. Furthermore, the highest balance reported as {$660.00} conflicts with the original credit limit of {$250.00}. 

Additionally, the payment history shows inconsistent updates without clear verification of which information is accurate. These repeated updates and inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

Due to these inaccuracies and the failure to provide a clear, accurate, and verifiable report of this account, I request the immediate deletion of this account from my credit report. 

Please address this matter promptly to avoid further violations of the FCRA.
Product: Checking or savings account

The XXXX  XXXX XXXX suddenly closed my bank account on XX/XX/XXXX, i called the bank ask for the reason, but they did not tell, just said that was the final decision and i can not do anything. I have been their customer since XXXX. I don't think i did anything wrong with them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/year> under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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: Money transfer, virtual currency, or money service

Hello, XXXX. I did XXXX deposit XXXX XXXX Eur XXXX into Coinbase but I did n't include the reference number and money is n't on my coinbase account. I have been chatting online with coinbase but its only comes with automatic reply. 

Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax requires formal quality standards that include transfer counts and validity of transfers of consumers. 
Today I was carelessly transferred back into the queue by 2 agents. 
One of those transfers was at the request for a supervisor ( because of my 1st erroneous transfer ). 
Ist call @ XXXX XXXX - was provided the incorrect internal phone number to the XXXX department 2nd call @ XXXX XXXX - [ Channel ] I was transferred back to the queue 3rd call @ XXXX XXXX - [ Lord or Lawd ] - requested a supervisor and was transferred back to the queue 4th call @ XXXX XXXX - connected with a Supervisor and created an internal consumer complaint. 

Unacceptable that 2 agents transferred me without providing any support or assistance. 

CFPB please monitor reports and " trasfer '' metrics to ensure agency does not have a culture of transferring. 
Both agents who trasnferred me did it without telling me I was being transferred and one even asked me to hold a moment prior to transferring me. 

Equifax please conduct necessary training to ensure consumers are supported and establish a no tolerance for a transfer culture.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2200.00} XXXX XXXXXXXX XXXX BALANCED {$3600.00} XXXX XXXXXXXX BALANCED {$9800.00} XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.