23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am self-employed and hit a slow down causing me to fall behind on my mortgage last fall. Selene Finance currently handles my loan. I almost feel like they want me to lose my house, for me to go into foreclosure. I tried to pay 2 payments but they told me that I had to pay all of the past due amount at once. Then they suggested I apply for a loan modification. This process started in XX/XX/XXXX and ended XX/XX/XXXX. Because I wasn't allowed to make payments, I am now 5 months behind, which includes the payment due this month, XX/XX/XXXX. My single point of contact, XXXX XXXX, who was the second point of contact assigned to me. The first one never called me and in fact, I was never able to reach her. I have called and left countless voicemails only to never have them returned. Anytime I called XXXX, it instantly went to his voicemail. The only was I was ever able to speak with someone was to call the regular customer service numbers. The loan modification process dragged out for 2 months because every time I called, I was told I needed to supply information that I failed to supply. And each time I sent that so called missing information, I called to verify receipt and was told I needed to send in yet another document. Finally, I was told I would receive an answer by XX/XX/XXXX. The answer never came. I began calling XXXX daily, starting Friday, XX/XX/XXXX, and left at least one voicemail per day. I even emailed and finally received a response in the email stating that I needed to call XXXX at his number which is what I had already been doing. 
I called today and selected the other option to speak to a regular customer service representative who told me my loan modification request was denied and that the next step is to do a short sale. I was told that if I was to make the total past due amount, which is now 5 months, that my loan would have to be reinstated of which there is not guarantee. 
The reason why I am now 5 months late is because I was told any payments made would not be accepted. I have been able to make 2 payments but that wasn't enough when I became 3 months late. So this drawn out process for the loan modification began in XX/XX/XXXX, which added 3 more months, making me a total of 5 months past due. This is why I feel like they wanted me to go into foreclosure. 
Also, the lady I spoke with today told me a letter was mailed out on Friday, XX/XX/XXXX. As of now, Thursday, 2XX/XX/XXXX, I haven't received a letter. I am still waiting on XXXX to call me, a week after I began leaving him at least one daily email. 
Oh, one last thing, the lady today told me that XXXX has been calling me and leaving me a voicemail since last Friday. I told her I can prove through XXXX XXXX XXXX that he hasn't called me, let alone leave a voicemail. I think that threw her off and she said that wasn't necessary. Selene Finance does not look out for the interest of their mortgagees because they can make more money by foreclosing on my house and getting a new owner with an interest rate double of what mine is which is 2.7 %!
Product: Credit card

Review credit reports and found a discrepancy of a store credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX XXXXXXXX XXXX XXXX  was never used or ever been applied for by the complaintant. 

This XXXX XXXX XXXX XXXX is demanded to remove
Product: Debt collection

I've paid the debt on XX/XX/2015 to XXXX XXXX the collection agency the debt was sold. I have a copy of the letter still. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check XXXX go was suing me for non payment. I requested validation of the debt and was advised they can't and won't send me anything. The number I was contacted from was XXXX which directed me to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Wells Fargo Auto placed a hard inquiry on my XXXX credit report as part of a shotgun pull initiated by XXXX XXXX ( XXXXXXXX XXXX  ). XXXX XXXX submitted my auto loan application to multiple lenders without my direct authorization for each inquiry. I did not provide individual consent for Wells Fargo Auto to access my credit file. 

I am requesting that this unauthorized inquiry be removed under the Fair Credit Reporting Act ( FCRA ). I am also contacting Wells Fargo Auto directly and have submitted disputes to the credit bureaus. 

Please also note that I legally changed my name to Love, so some records may appear under Love, XXXX XXXX, or XXXX XXXX XXXX depending on the institution. I am in the process of aligning my records across all systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX, LA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA
XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 
As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a cosigner on my son 's loan. I made 3 payments in the last six weeks. {$150.00} on XX/XX/XXXX, {$57.00} on XX/XX/XXXX and {$55.00} on XX/XX/XXXX. All of these payments were made by electronic funds transfer from my bank 's bill pay. The funds have been removed from my account. Navient says they received the {$150.00} but not the other two payments. They asked me to send proof of the transfers. I have sent my bank statement and a copy of the transfers FOUR times. At one time they said they received the {$57.00} but it went to the wrong address so they sent a check back to my bank on XX/XX/XXXX. The bank never received a check. They keep telling me to contact the bank. The bank did its job and can only tell me that the electronic transfer went through. I either want my money back or the money put on my account. I believe Navient has the money and now they have added a late fee I do n't feel I deserve!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious issue concerning the inaccurate and incomplete information being reported by TransUnion, one of the major credit reporting agencies. Despite disputing the XXXX XXXX  account, TransUnion continues to report inaccurate details on my credit report, including incorrect addresses, payment history, and other payment-related information. This discrepancy between TransUnion report and the reports from XXXX and XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under FCRA Section 807-8, FCRA Section 623-B, sections 15 USC 1681e ( b ), 15 USC 1681s 2a1a, 15 USC 1681a 2ai, and defamation. Moreover, I want to emphasize that this account has been charged off/written off, resulting in its reporting to the Internal Revenue Service ( IRS ) as profit and loss. According to IRS regulations, this reporting categorizes the amount as personal income, and it is no longer considered a debt. Consequently, this account should not be reported on my credit report as it does not meet the criteria of a debt requiring reporting. It is crucial to note that all three credit bureaus, namely XXXX, XXXX, and TransUnion, are reporting different inaccurate and incomplete information about this account. Therefore, I kindly request your intervention in this matter and ask that the account be completely removed from my credit report. As a consumer, I am protected by the FCRA, which ensures that credit reporting agencies provide accurate and fair information about individuals ' credit histories. The inconsistencies and inaccuracies in TransUnion reporting not only undermine my creditworthiness but also hinder my access to fair credit and financial opportunities. Lenders and financial institutions rely heavily on credit reports when making lending decisions, and the inaccurate and incomplete information on my credit report has negatively impacted my creditworthiness and caused me to be denied credit opportunities that I otherwise would have qualified for. I am deeply concerned about the negative impact these inaccuracies may have on my financial future. Enclosed with this letter, please find copies of the relevant supporting documents, including the credit reports from all three credit bureaus, highlighting the discrepancies in TransUnion 's reporting. I kindly request that you remove this account from my credit report immediately.
Product: Credit card

about 10 monthes ago i had discovered that i am a victim of identity theft. i find out that someone unknown to me had find my personal information and used it by changing my address and phone number and got a credit card from DISCOVER BANK, immediately reported thi s account to local authorities by filing a police report and also filed an FTC report through identitytheft.gov. discover bank removed the card from my credit report which made me very happy but XXXX weeks later they put back that account back in to my credit report with XXXX different situation the balance increased from XXXX to almost XXXX which made me loose XXXX points. i tried contacting discover bank fraud department but could not getr anyone to help me which brought me here to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 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 can not furnish a account without my written instructions Accounts XXXX XXXX Account number XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 am filing this complaint because Jefferson Capital Systems , LLC has failed to provide adequate validation of a debt they claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g. 

On XX/XX/year>, via phone I requested a validation via certified mail from Jefferson Capital Systems , LLC. I requested the following : 1. The original creditor 's name and address.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and other charges.

3. Evidence that Jefferson Capital Systems , LLC has the legal right to collect this debt, including a copy of the original agreement and proof of ownership or assignment of the debt.

Despite allowing sufficient time for response, Jefferson Capital Systems , LLC failed to provide the required documentation or validation of the debt. Instead, they continued to report this account to the credit bureaus ( XXXX, XXXX, and XXXX ) as a derogatory item on my credit reports. This reporting has adversely affected my credit score and my ability to obtain credit, despite the lack of evidence that this debt is valid. 

The amount in question is {$590.00}, allegedly tied to an account with an original creditor that Jefferson Capital Systems , LLC has not properly identified. This failure to validate the debt is not only a violation of the FDCPA but also may constitute false reporting to the credit bureaus.
Product: Debt collection

Midland Credit management/ XXXX XXXX services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates XX/XX/2022
Product: Debt collection

I contacted  Portfolio Recovery Associates regardin g an account listed under  XXXX  different original creditor names that appear to be the same account. Regardless both are erroneous, and they are reporting as a collections account on my credit report. This information is totally inaccurate, and they were given time to investigate. They broke the law by not adding the proper verbiage to the account within the allowed 30 days, and they have not presented any documents showing where I have ever had a contractual agreement bearing my signature to pay them anything. This is derogatory information on my credit report and is in direct violation of federal laws. I demand this inaccurate information to be deleted from my credit file with all the credit bureaus immediately. I am attaching ALL documentation backing my claim to make said claim as clear as possible. They replied with a letter stating they reviewed the dispute and their records indicate they have already responded to a previous dispute same as my present dispute. This is not true. I never dealt with  Portfolio Recovery,   therefore no documentation has ever been provided to me bearing my signature.
Product: Checking or savings account

Bank of America closed my account yesterday morning without any written or verbal notice to me, they refuse to give me my money they wont tell me how long it will take to close my account they refuse to tell me why my account is being closed and they refuse to give me my money I have XXXX $ in my bank and they wont let me pick it up at all. Its a worldwide pandemic and I need to be able to pay my rent and feed my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$350.00} ; DEPT OF ED/XXXX XXXX XXXX : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting my Mastercard ( revolving account ) on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 

1. XXXX  XXXX Visa ending in XXXX XXXX. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to all 3 credit bureaus including Experian to report these accounts onto my credit profile history. 

I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date, Experian still is not reporting my Mastercard on my credit profile history these revolving accounts -- -attached is a screenshot of my Experian.com account showing only 1 revolving account ( Visa ) being reported -- should be 2 revolving accounts XXXX XXXX Visa + XXXX XXXX Mastercard
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Complaint Against TransUnion for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against TransUnion for reporting inaccurate information on my credit report related to my OpenSky Capital Bank account XXXX 

**Details : ** - **Credit Reporting Agency : XXXX TransUnion - **Account in Question : ** XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that TransUnion update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely CFPB TRANSUNION COMPANY REPORTING INACCURATE INFORMATION ACROSS OTHER PLATFORMS
Product: Credit card or prepaid card

After 18 years as a CapitalOne customer ( both credit card and savings account ), I finally opened another credit card with the company despite never truly liking their banking policies. The reason being is that they were the banking partner of the XXXX XXXX  credit card. I recently did a significant remodel on my home ( paid 100 % in cash because I have a large amount of savings ) and had some large furniture purchases that I needed to make. CapitalOne offered double rewards on purchases made within the first 30 days of opening my account. I feel like this statement is misleading and fraudulent for the following reason. I purchased my couches on the date of account opening ( XX/XX/XXXX ). I paid my balance in full on XX/XX/XXXX. The funds were pulled out of my checking account at XXXX XXXX on XX/XX/XXXX and the balance posted to my XXXX XXXX credit card on XX/XX/XXXX. The statement closed coincidentally on XX/XX/XXXX and the statement showed a zero balance ( no payment due ) and a full credit limit. However, two days later when I attempted to make another purchase at XXXX XXXX for some additional furniture that I need, the payment was declined. This was repeated multiple times. When I called CapitalOne on XX/XX/XXXX, two customer service representatives, including supervisor XXXX, tried telling me that the payment had not posted to my account ( despite it showing that it posted on XX/XX/XXXX ) and that the funds were on hold due to not being received ( despite my bank having had funds debited on XX/XX/XXXX ). This being told to me despite everything showing that this was not the case and the available balance was being unjustifiably withheld. CapitalOne attempted to state that all accounts at the bank are maintained separately ( which working in banking myself I know that is not the case since banks do householding- for marketing purposes- and my accounts are all linked together already in their app, online, etc ). Attempting to state that a customer that was approved instantly for credit DUE TO MY RELATIONSHIP WITH CAPITALONE FOR 18+ YEARS with absolutely no credit issues, should have a payment on hold from a linked direct payment account ( XXXX XXXX XXXX with the CapitalOne for well over a decade, is unacceptable. Sending a statement that says my available balance is the full amount but denying that available balance when actually attempting to be used, is fraudulent, misleading, humiliating and deceptive. I will be canceling my savings account completely ( I have already pulled most of my funds from this account due to not being happy with CapitalOne in the past ) and will most likely be canceling my credit cards when they will not unduly harm my credit score for doing so. Extremely unhappy with CapitalOne 's practices and their customer service. I sincerely hope that this wasn't targeted toward me as a female and XXXX.