23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My name is XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX READ BELOW This FED LOAN account # XXXX is the same as AES XXXX already paid in full. 
This is the same student loan that I have had with AES. 
See attached AES letter copy of paid in full XXXX Please remove the FED LOAN account because I do not owe anything Report to the credit bureaus that the account is close paid in full. 
Reply to this letter to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. CA. XXXX Thanks XXXX, XXXX  XXXX/XXXX/2022
Product: Money transfer, virtual currency, or money service

Cash app transfer XXXX $ for a total of XXXX times in or around XX/XX/year>. Cash app never gave my money back. It got transferred in bitcoin or something from cash app. I do use bitcoins or know to transfer it. Cash app never verify if I knew the person or password
Product: Credit reporting, credit repair services, or other personal consumer reports

GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken XXXX Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection items that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

I had a great credit score I tried to keep all my life and now an attorney from Texas shows up on my credit as an added new account from XX/XX/2016 which I had no Idea they can add an account to your credit with out your consent. so each month it shows you didn't pay on a bogus account they added, I had no contact or communication with these people at all ever. they keep hitting my credit every month, this was also on my credit I believe with another collection agency awhile back and also affected my credit score and then it gets sold to the next collection agency. why cant these people do their research first to make sure it was already submitted to my XXXX as a claim in 2016 and they processed it. before they go unto damaging peoples credit with no proof of claim was processed correctly or incorrectly? On Medical debt for all people is mainly error from medical billing people can not process or submit claims correctly so alot of these end up in collection at no fault of ours all has to do how medical billing submits claims. if they would submit the right way we wouldn't have this big problem. medical claims in collection should be reevaluated with medical insurance company first to resolve before, then can take next step if they need to. Sometimes the claim would need to be resubmitted correctly to process and will show paid or completed. Why is it that we have to do the work for everyone in billing dept with XXXX and try to retrieve OLD information on a claim that was submitted along time ago.
Product: Credit card

XXXX XXXX would like to have me go through a financial review, which they claim is a verification of an individual 's income to see if it can support provided credit limits, but the process is NOT a legitimate verification of income and is discriminatory since it is NOT consistent from one customer to another. 

The process is not a legitimate verification of income because they are only checking income reported on my XXXX tax return. In my case, I received a raise in XXXX, which in theory should support higher credit limits, but XXXX XXXX wo n't see that raise because they are trying to use last year 's tax forms to verify income, which is old information. 

At best, tax forms prove income from previous years, NOT current income. Somebody could have received a raise, demotion, or even lost their job after XXXX XXXX of the current year and based on XXXX XXXX ' method of income verification, they would never see any of these changes in income. 

The process is NOT consistent between customers, which means it 's discriminatory. I 'm being asked to provide my XXXX tax forms, but other people get an opportunity to provide pay stubs, current bank statements, or a conference call between customer service at the customer 's bank and XXXX XXXX. I 'm going to unfairly receive a lower credit limit because XXXX XXXX is trying to verify my income based on old information. If I was able to provide more recent financial data, like my pay stub, I 'd receive a fairer verification of my income, as the pay stub would be much more recent than my XXXX taxes and display my raise. I also started a business in XXXX and have income from that, which wo n't appear on my XXXX tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've feel taken advantage of while several laws are broken under the FCRA by your company this caused me defamation of character making it harder to gain access to better employment housing and overall better credit. 

These are the accounts in question : XXXX XXXX XXXX XXXX  : Account # XXXX -XXXX : Account # XXXX
Product: Debt collection

XXXX XXXX and Convergent have failed to show me an application or contact that I signed for this bill. It does not belong to me. I want it deleted from the credit bureau 's
Product: Credit card or prepaid card

On XX/XX/2020, I received an alert from XXXX that my SYNCB/PPC credit limit decreased from {$2500.00} to {$1500.00} without my knowledge or authorization, thereby lowering my credit worthiness to potential creditors and financial institutions. I contacted PayPal CREDIT who is in charge of the credit line and spoke with XXXX. I inquired on who authorized the decrease in my credit limit and how come I was never contacted or informed beforehand. I further explained the negative ramifications of the credit limit decrease on my overall credit worthiness and credit score. I did not receive a clear response as to who or why a credit limit decrease was authorized on my account which is in good standing. I expressed my disappointment in the carelessness my credit worthiness is handled by SYNCB/PPC and expressed my intent to file a complaint with the Consumer Financial Protection Bureau.
Product: Mortgage

Citibank is reporting a negative foreclosure and balance every single month. This is erroneous and they are affecting my credit & financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection, I had made a complaint prior to you about Bank of America. They encouraged me every three months to do a forbearance when I lost my job because of Covid. BOA reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After BOA received complaints from your company they sold my loan to XXXX mortgage. I was contacted from XXXX mortgage stating my loan had been bought out from Bank of America. I never received any notices from Bank of America stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification, when in modfication BOA would not except any payments.I have worked so hard in my life to build up my credit score it was Excellent score was XXXX now it is fair, score is XXXX. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX Bank also reported I was 120 Days late?? I have been trying to work out this loan since XX/XX/XXXX. 
Thank you for your help XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach XX/XX/year>.
Product: Consumer Loan

Signed a Lease for XXXX XXXX printers for our little home business. ( details can be provided ) At the same time we signed a legal binding Contract for and investor in to our business that ended up being a scam but we were still under contract. Having been scammed we had to default on the lease which had been sold to CIT XXXX. We returned the machine within 18 months as that is when we found out we were scammed. Machines returned in 100 % perfect working order. Today they want {$120000.00}. They have had the machines for over a year we offered to pay the delinquency of {$14000.00} plus attorneys fees. We need to close this matter.
Product: Credit reporting or other personal consumer reports

Request for correction of credit report -compliance with federal laws -opportunity to cure. i am reaching out to address concerns regarding the accuracy of my credit report as it pertains to my investment. As an investor, under 15 U.S. Code 1681s-2, it is mandated that as a furnisher of information, must provide precise and truthful information to credit reporting agencies. In accordance with the fair credit reporting Act ( FCRA ), All companies reporting has violated my federally protected consumer rights under the FCRA section 602- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. This means that I have the right to privacy. My credit report is non-public personal information that should be protected to avoid situations like this one I am addressing today, pursuant to 15 USC 6801 ( b ) ( 3 ) -protection of non- public personal information.Under the FCRA section 604 permissible purposes of consumer reports states ; any consumer reporting agency may furnish a consumer report under the following - ( 2 ) in accordance with written instructions of the consumer to whom it relates. This means a consumer reporting agency can not furnish an account without written instructions or authority of the consumer. The only way a company can obtain permissible purpose is by a court order or the consent of the consumer. Im giving 15 days to delete all accounts and correct my consumer report. All inquiries needs to be deleted this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this one item for going on 2 years now. Back in XX/XX/XXXX - The result was that the item will be DELETED in XX/XX/XXXX. Come XXXX of XXXX it does not get deleted. So, I dispute it and Experian STORY CHANGES AGAIN. Most recently I disputed this item and SENT THEM THE copy of THEIR OWN CREDIT REPORT form XXXX. They completely ignored this item and did not delete it. This item is over 7 years old, almost 8 years, and it surpasses the time frame for it to be on the bureau and also Experian stated back in XXXX it will be Deleted in XXXX of XXXX. 
-- - Please deleted -- XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX, XXXX.
Product: Mortgage

XXXX XXXX, XXXX Dovenmuehle Inc, fraudulently extorting me for additional monies, first they stated my real estate tax dobled ( not the fact ), after 7 months of XXXX they stated that my monthly payments on fixed mortgage increased as my home insurance is {$13.00} per year.I am not required ubdwr XXXX XXXX to carry insurance as my LTV is at 54 %.

Ongoing phone calls harrassement, intimidation, yelling at myself, etc, letters of imminent foreclosure and extortion for money they tried to defrauding me of.

Continue to the present day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, XXXX XXXX XXXXXXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX and equifix violated my Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of the role investigation. This practice violates the fair credit reporting ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene be consumers financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB Equifax complies with federal law and provides consumer with the necessary proof of investigation. 

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 writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX - {$5600.00} Late Payment XXXX XXXX - XXXX - {$220.00} XXXX XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I reached out to Credit Karma to file a dispute for the charges listed below and report these as unauthorized charges on XX/XX/XXXX. I first attempted to reach out to XXXX XXXX to resolve the issue and was never able to get ahold of anyone who could assist me so I then went ahead and submitted the dispute with Credit Karma for my XXXX account with them. 

XX/XX/XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX I reported it on XX/XX/XXXX and then on XX/XX/XXXX they denied my claim stating that I did in fact authorize these charges and could not give me a exact reason why it was denied. Nobody reached out to me for any additional information and I do not know how XXXX XXXX is able to come to this conclusion in such a short time frame. 

I lost my cell phone on XX/XX/XXXX and reported it lost/stolen with my insurance company and they somehow gained access to my XXXX account which had my debit card linked from my Credit Karma Spend account. I have since filed a appeal but have received no reply and no provisional credit while this is looked into. 

I am attaching documents which prove my claim. If anything else is needed from me please let me know. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows I have a collection account with NCC Business Services. It shows I owe {$770.00} reporting on XX/XX/2017. This information is incorrect. I have never done business with NCC Business Services and I dont owe them any money. I disputed this account several times. I was sent an old lease from another company.
Product: Mortgage

In XXXX of XXXX while I was on maternity leave, I experienced a 30 day late with Freedom Mortgage that was reported to the credit bureaus. During this time I was not being paid my XXXX benefits timely. Once the issue was resolved, XXXX paid me 9 weeks of missed XXXX XXXX payments ( {$970.00} each ) on XX/XX/XXXX which I then paid my XXXX and XXXX mortgage payments with to become current and up to date. 

XX/XX/XXXX - paid 9 weeks of missed payments ( {$970.00} each ) XX/XX/XXXX - transferred {$4300.00} into bank account that pays my mortgage XX/XX/XXXX - paid {$5200.00} to Freedom mortgage to become current VA preapproval for new mortgage was approved on XX/XX/XXXX, once we went to get the actual approval to move forward with purchase ( mid XXXX ) it was denied due to two 30 day lates within one year. I wrote Freedom mortgage the following goodwill adjustment letter on XX/XX/XXXX requesting the 30 day late be removed from XX/XX/XXXX. We are closing on the sale of our house XX/XX/XXXX and were hoping to be closing on the purchase of our new house on or shortly after that date but this is holding up the process. I appreciate anything you can do to help. Please let me know if there is any other information you need from me to have this issue resolved as soon as possible. 

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Freedom Mortgage and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. 

My account with Freedom Mortgage began on XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Freedom Mortgage. I have also been a customer in good standing, paying my account in a timely manner. 

However, in XXXX of XXXX while I was on XXXX XXXX from XXXX XXXX, I experienced a 30 day late charge that was reported to the credit bureaus. During this time I was not being paid my XXXX benefits timely. Once the issue was resolved with XXXX Claims, they paid me 9 weeks of missed XXXX XXXX payments ( {$970.00} each ) on XX/XX/XXXX which I then paid my XXXX and XXXX mortgage payments with to become current and up to date. 

I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following that personal issue, Im working hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort. 
Im asking that Freedom Mortgage give me a second chance at a fully positive credit history with your organization by removing the late payment mark from my credit report with all three credit bureaus from XXXX of XXXX. Please let me know if there is anything else I can provide to support you as you consider my request. 

Thank you for taking the time to consider this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

mY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.