23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After XXXX XXXX hit us in Puerto Rico last  XX/XX/XXXX that course Island wide devastation, the majority of local Bank and financing institution in Puerto Rico went publicly on T, V, and Radio to inform the they would be putting in effect a moratorium on there mortgage payments for all of local debs. Finally on XX/XX/XXXX, I finally meet with bank representative to discuss my case. At this meeting I was inform that since my mortgage was a veterans guarantee loan I would not have to worry for any monetary cost at all. After 5 months had transpired, second week of XX/XX/XXXX I received the notification that I have to pay my 5 months of mortgage, plus approximately {$800.00} in closing charges, something that was never inform by the Bank, and a practice not in accord in a disaster environment. I feel that I am being blackmail as well as discriminated by the Banco Popular of Puerto Rico. My mortgage account # XXXX XXXX  XXXX XXXX XXXX P.R. XXXX. The person that work my case was XXXX : XXXX XXXX and her supervisor and XXXX XXXX XXXX Senior Vice president Lending services.XXXX  -- XXXX. My Address is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX P.R.XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed account incorrect information XX/XX/XXXX and XX/XX/XXXX. credit agency still is reporting incorrect information on credit profile related to sync account from XX/XX/XXXX. closed date is incorrect/ not available, this important because it affects the times since negative portion of my credit profile. the payment history is incorrect, potential lenders are unable to determine worthiness with out this and Transunion is responsible that all information Is complete and accurate.
Product: Checking or savings account

Bank N26 did not give back the money disputed. I have waited and not even provisional credits were given. Please take the money back from the merchant and put back in my account.
Product: Mortgage

Our mortgage was in forclosure. Our account has been caught up and in good standing since XX/XX/2016. We are continually getting approached outside our house from companies wanting to help with our foreclosure. Also, today someone put a sticker on our front door stating that this property is scheduled for final disposition. I have made several phone calls to our mortgage company to make sure we were in good standing and today is the first time someone offered to add a privacy code on our account so no 3rd party companies can access it. Unfortunately, it will not go in to effect for 30 days. I do not want my kids being approached outside my house! Please help!
Product: Debt collection

XXXX, XXXX  and XXXX  are ALL reporting false owed items. 

Dispute # 1 Company : Wells Fargo account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX/XXXX  account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX  account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 Company XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company  : US Department  of  Education  opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX  Subject : Dispute Regarding Vehicle Repossession and Outstanding Balance Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the handling of my vehicle repossession, which occurred in XX/XX/year>, during the height of the COVID-19 pandemic. The vehicle was subsequently sold, and I was informed of a remaining balance. However, to this date, I have not received ANY documentation or detailed communication from XXXX XXXX XXXX regarding the repossession, sale, or calculation of the outstanding balance. 

As a consumer, I am entitled to receive proper notice and documentation as per applicable laws. The absence of such information has made it impossible for me to verify the accuracy of the claimed balance or understand the details of the sale and application of proceeds. 

I kindly request the following : A detailed explanation and documentation regarding the repossession, including the dates, reasons, and communication sent prior to repossession. 

Documentation regarding the sale of the vehicle, including the sale price, date, and details of how the sale proceeds were applied to my account. 

An itemized calculation of the remaining balance, including any fees or charges applied after the repossession. 

Copies of any correspondence sent to me in relation to this matter. 

I am asking for these documents to be provided within the timeframe stipulated by law, as I am seeking to resolve this matter in good faith. Please note that this letter does not acknowledge the validity of the outstanding balance, and I reserve the right to dispute further based on the information provided. 

Thank you for your prompt attention to this matter. I look forward to your response and to resolving this issue amicably. Should you have any questions or require further information to locate my account, please do not hesitate to contact me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Im writing this letter in hope you could intervene and get Home Point to properly review our loan for assistance options. The issue started in XX/XX/2017, when I was injured while on the job. Up until this point, I had a dependable salary, XXXX. 

After the accident, I was assured workmans comp would help while I was focused on recovery. Unfortunately, they were difficult to work with, and I eventually had to take them to court to cover even the medical expenses. I, of course, had an emergency fund but this was exhausted by XX/XX/XXXX. 

During this time I did what I could to keep myself afloat. When I first contacted XXXX XXXX XXXX, they set me up with a forbearance, which I was grateful for. Sadly, when it came to the end of the year and I could get back on track, no one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

It has been a difficult year, with the injury, rehabilitation and associated medical expenses that I had to pay out of pocket. My workmans comp case is now in meditation, and will be resolved soon. I started receiving XXXX XXXX payments late last year. The last step is to get my mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Home Point refuses to help.
Product: Debt collection

I have contacted this company multiple times, and sent in my ID Theft Affidavits as requested, but they still refuse to investigate and remove this item from my credit report. This is disgraceful as it has been on my report for a few years now even though I never ordered anything from them. I have a notation on my credit report from 2017 showing that I was a victim of ID theft and this needs to be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this XXXX XXXX should have reached out to me via phone and by writing a letter XXXX reported a late payment to my credit which dropped my score XXXX points I called XXXX and was told they never received the payment but how the agent informed me that XXXX was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
Wells Fargo card is for {$23000.00}. XXXX XXXX ) is for more than XXXX XXXX.I have contacted Wells Fargo by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not properly investigate disputes I have requested. The allow companies to just print a statement for validation instead of providing PROPER validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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
Product: Student loan

I am a member of Exhibit C Automatic discharge group. My Borrower 's defense application is approved. 

Both of my previous servicers have advised that my discharge is complete and provided me with the information submitted to the DOE. However, it is past the relief deadline, and my refund has not been received. The status of my discharge says processing, and each time I contact the XXXXorrower Defense hotline, it hangs up before transferring to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE SEC XXXX XXXX XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX****, USXXXX XXXX****, DP OF EDUC 3412****
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE & INCOMPLETE INFORMATION ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to reach out to the credit bureaus to remove accounts that I do not have knowledge of. My rights are being neglected and violated. The accounts that I am filing a dispute on are coming back validated yet I am receiving inaccurate key factor information. I need these accounts removed immediately before further legal action will be taken. Please refer to my attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe XXXX cousin used my information to open these accounts.
Product: Debt collection

EXPRESS RECOVERY SERVICES, XXXX - XX/XX/year> IS A DEBT COLLECTOR, REFERENCE : XXXX THIS WAS CHARGES RELATED TO MY DAUGTHER XXXX XXXX, A VISIT AT THE XXXX XXXX XXXX XXXXXXXX. AMOUNT OWED {$930.00}. I WAS UNAWARE OF THIS CHARGE AND NOTIFICATIONS WAS MISSED. I ALSO FEEL THAT THIS WAS UNFAIR OF AMOUNT BEINGING CHARGED. MY DAUGTHER WENT IN FOR A REGULAR CHECK UP, AND BLOOD WORK, DUE TO HER RELATED/BORN CONDITION, DOCTORS HAD ASKED HER QUESTIONS AND WAS LATER RELATED AS AN EMERGENCY VISIT, I WAS NOT AWARE OF THE AMOUNT OF THIS WAS GOING TO LEAD TO, I HOPE THAT WE CAN RESOLVE THIS CHARGE AND STOP AFFECTING MY CREDIT/AND STOP WITH THE COLLECTIONS. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I just found out through my credit report that the debt collection reported a balance of {$150.00}. I have never been notified of the debt or offered a payment plan.
Product: Credit reporting or other personal consumer reports

Nature of Complaint : Credence Resource Management has reported a collection account on my credit report that is inaccurate and has caused significant harm to my credit score. Despite my repeated attempts to resolve this issue with the company, they have failed to provide proper validation documents as required by law.

Legal Basis : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt being collected and to dispute any inaccurate information on my credit report. Credence Resource Management has failed to comply with these legal requirements.

Request for Action : I request that the CFPB investigate this matter and take appropriate action to ensure that Credence Resource Management removes the inaccurate collection account from my credit report and corrects any errors.
Product: Prepaid card

I received my new EDD Money Network debit card in mail. Called number to activate and create pin- completed successfully. Didn't have my checking account info to transfer money into so I hung up, then downloaded Money Network app after getting my checking account routing info. 

Then attempted to create new user account with app, but didn't know username or password. So Called Money Network for assistance and found out that the account associated with the EDD card I received was compromised the day the card was mailed out. The account was then closed and I was told that I could not access any of the money from EDD using the card I just activated and created pin- because the account needed to be closed. 
I asked customer service assistant on phone to verify and update my address, email, and phone number to prevent hacker from receiving check that would be mailed out to me. Check would take 10 business days to get to me.

I'm very upset with the lack of security for the EDD Money Network debit card because an account should not be able to get created/hacked before the physical card is received and activated. 

Now, I have to wait additional 10 business days for replacement check to arrive. Why couldn't this company have better account protection? How was a hacker 's email and phone number allowed to be added/ associated with a new debit card on the day it was mailed? Seems to me like Money Network has an insider security issue that needs to be investigated immediately. 

I hope my check for full amount of XXXX benefit arrives before XXXX as today is XXXX XX/XX/year>. It is being mailed out from XXXX  I'm told, while I live in California. EDD needs to be made aware of this issue.
Product: Student loan

NAVIENT constantly puts my loans in default stating that I never " submitted '' paperwork. I have proof that I applied for an IBR on XX/XX/2016 reference # XXXX through the website studentloans.gov. Today is XX/XX/2016 and I received a call from NAVIENT stating that my loans are in " default ''. This is a reoccurring issue that I have had with Navient and I find it criminal because every time they pull these issues- I am penalized and my balance just continues to grow. I contacted XXXX as well as the om buds man for XXXX. They were appalled to hear of this. I am putting this out there because I feel that NAVIENT takes advantage of people and just tries to make MORE money off of people. It 's a complete outrage that I have proof that I turned in everything I needed and I have talked to 3 different people from NAVIENT- which everyone of them gave me different answers on what I needed to turn in. Meanwhile I am being penalized. I now have to go through the process AGAIN for something that should have been handled in XX/XX/XXXX AND they do n't want me to call to verify that they received my paperwork. The supervisor that I spoke to said that if I do n't hear from him- just assume that all is well. My guess is that my account will be back in default again- what do you think?
Product: Credit reporting or other personal consumer reports

I have items in my report that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/2023
Product: Credit card or prepaid card

I placed an order for a keyboard from XXXX, unfortunately I did not see that it was a XXXX vendor, which I avoid for reasons like this. I received a broken bag of plastic, so I started the return process with XXXX but the seller refused the return and offered me XXXX of what I spent as a " refund ''. Because XXXX will not step in in time, and I did not want to have to pay for this and then wait over a month for a refund check, I filed a dispute with PayPal Synchrony. Their process forced me to FAX the dispute. I faxed it and they received it yet still showed that I owe that amount. I called their support line and despite letting them know I am a XXXX  American and that the XXXX clearly does not allow a company to show one thing and say another, they insisted I do not owe the money shown on my online statement, thereby giving me mixed messages and discriminating against my protected status.
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 item 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 XXXX XXXX, OR XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports