23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a HAMP loan modification through Wells Fargo and they have not performed paying XXXX borrower 's incentives for on time payment as noted .... 
Borrowers who make timely payments on their modified XXXX lien and the modified payment resulted in at least a six percent reduction from the monthly mortgage payment used to determine eligibility will receive a " Pay for Performance '' incentive in the form of a principal reduction of up to {$1000.00} per year for five years. This incentives accrue monthly at {$83.00} toward principal. 
Thank you!
Product: Credit card

On XX/XX/2023 I received letters from Synchrony Bank indicating that my 3 lines of credit with Sam 's, Lowe 's and JC Penney 's had been closed due to " high risk of failure to pay ''. This stems from a stop payment mistake XXXX XXXX made on a payment to Sam 's. The took responsibility for this mistake and tried to do everything possible to communicate with XXXX to resolve the issue. 
We have paid off ALL credit card balances in full, for I can't tell you how many years. Our credit score continues to decline ( from XXXX to barely XXXX ) per XXXX despite the remaining credit accounts we maintain are paid in full every month. Indication of slow payments are referenced which is not correct. All accounts are on autopay. 
I have done everything humanly possible to correct this and have my credit score reinstated to the level it was prior to this fiasco. I went to the bank and the manager reached out directly to a Synchrony representative and despite being told that a formal investigation would take place, nothing every happened. 
I have let this fall by the XXXX. Initially it was important for me to have the three lines of credit reinstated because they were financially beneficial because of points and discounts offered with their use. I no longer am concerned about credit with Synchrony, but I AM interested in having my EARNED EXCELLENT CREDIT RATING reinstated. 
I appreciate your help in resolving this matter.
Product: Prepaid card

I received an unexpected and unwanted CashApp debit visa card in the mail that I did not apply for. The apparently resulted from a data breach at the XXXX XXXX XXXX  and we were told to report this to CFPB before contacting the company, who has proven to be much less than helpful for other people in a similar situation.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was affected by XXXX in XXXX 2020 and had 3 late payments on my credit card. I paid the late fees and have not had any more late payments since. The credit card company states that they can not remove the reported late payments. No reason was given. 
This is have a negative affect on my credit even though it was thee years ago. According to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) the late report should be removed if the account is in good standing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently sent letters over 30 days ago to this bureau and they are disregarding my dispute. I am very stressed at this moment, I have been sending letters and still no response.
Product: Debt collection

After speaking with a representative over the phone at Professional Claims Bureau, LLC, I called my health insurance plan, XXXX XXXX XXXX, and asked about Account XXXX amount owed, {$870.00} and the additional accounts with the PCB and they said that they never received any claims from XXXX XXXX XXXX. I also did not receive any bills in the mail from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
I called XXXX XXXX XXXX XXXX to inquire about the dates now owned by PCB, and found out that during this time, I was covered by insurance. This hospital also has my health insurance information on file. So there is a mistake. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX, NY XXXX United States The Professional Claims Bureau, LLC is attempting to collect a debt that is not mine. If they would like to resolve this, they should speak with my insurance company if they wish to collect this debt. 

XXXX XXXX XXXX XXXX Plan Member Name : XXXX XXXX XXXX XXXX ID : XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

Opened two no penalty CD accounts on XX/XX/XXXX with Ally Bank. Funded one with {>= $1,000,000} by having Ally transfer money from my XXXX XXXX account. After that went through, I funded the second account by requesting that Ally do another transfer on XX/XX/XXXX of {$100000.00} from XXXX XXXX. I received an email from Ally that the transfer was successful on XX/XX/XXXX. The timing is important because Ally has a 10 day best rate guarantee and their rates are going down. On XX/XX/XXXX I received an email that there was a problem with the transfer and they are sending the money back to XXXX XXXX. I called up Ally and was told that for some unknown reason the new CD was closed before it was funded so the money was being sent back. I asked to speak to a supervisor and they told me that they could open a new CD but there was no guarantee that I would receive the higher rate I was promised when I opened the CD they mistakenly closed. I asked that they have someone that could fix things call me. They said it would be days before I heard from anyone. So far I have heard from no one. So because of their error, I have lost the higher rate plus a weeks worth of interest on my {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year almost 2 years ago I had signed up with a company called the Lexington Law to help me fix my credit due to trying to purchase a home. I paid them for a year and they never fixed my credit. They gave me false information making me think that my credit score was up when it really wasn't. They never gave me my money back for a service that they never did.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account is reported as a loss but has a balance and thats a violation of fcra guidelines the date last active are incorrect they are being reported differently the company reported as a loss but still shows a balance Experian is reporting as a charge off monthly XXXX is reporting as paid as agreed but they are reporting a charge of
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint requesting my BK XXXX XXXX reporting on Experian and BK XXXX XXXX reporting to all 3 EX, XXXX and XXXX  be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.
Product: Checking or savings account

XX/XX/XXXX I ordered a Back Reliever for my XXXX, the name of the company was called XXXX. The order was for XXXX. The shipping time was 2-3 weeks and during holiday time so I gave it some time. After about a month I sent an email to the company inquiring where my package was, since I had been following the tracking number. It was showing that it was " sitting '' in XXXX, NY for days and days. Even now its still showing that its sitting there ( XXXX # XXXX ) and its been in the same location since XX/XX/XXXX. I sent another email and received a call on XX/XX/XXXX from the company. I explained my issue and was told that I would receive a refund because my package was probably lost or stolen. I severely needed the product so I asked how do I receive it now, I was told I needed to resubmit payment to avoid waiting longer. I was used my personal bank card ending in XXXX via XXXX XXXX the first time, but that account didn't have enough funds, so this time I had to pay with my actual card ( business account card ending in XXXX ). I was told to look out for an email and new tracking. 6 days later ( XX/XX/XXXX ) I call back saying I got nothing and they said it looks like my payment didn't process, so they ran my card again. So after the call I check my account only to see that I had been charged TWICE!!! Once in the amount of XXXX and another for XXXX!!! I immediately call Citibank and for some reason I always get connected to someone who's trying to rush me off the phone or won't listen. I understand that the payment was pending, but the rep didn't offer much help and said she would file a claim for the XXXX, but couldn't do anything about the XXXX because it had just happened the day before ( I had to call back the next day because the Business fraud department was closed ). The rep said she would try to cancel the payment and if she couldn't and it posted, I would be called back and the XXXX would be added to the claim. It's been days and I haven't heard anything back and keep being put on hold every time I call. Also, I wasn't even offered the chance to order a new card!!! I was told it's not an option, I'm just confused and have had to just lock my card until I need to use it. It doesn't make any sense, it's like they invite companies to steal our money and then leave us hanging in the balance. I have photos of the receipt and everything im explaining here. Also, the charges are showing they're coming from XXXX, I'm clearly located in XXXX XXXX, Ca, and made that very clear during the call. CITIBANK is giving me a headache.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved
Product: Debt collection

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} 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
Product: Student loan

I have student loan debt that is now under review for possible XXXX forgiveness, but the complaint that I filed also seeks damages because of damage to my credit and I also seek refund of applicable payments or similar such amounts due to me. My original complaint only partially addressed my issues.
Product: Credit reporting or other personal consumer reports

After checking my credit report I still have accounts and reporting and inquiries that I have no knowledge of I have disputed before with equifax about other accounts that have been removed but the following still remain. Accounts : XXXX XXXX ( creditone original lender ). XXXX XXXXXXXX ( date opened XXXX ) XXXX XXXX ( date opened XXXX ) I have not provided verbal or written consent to open up these accounts for them to be reported on my credit report these accounts are fraudulent and must be removed immediately as stated by the Law
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information In pursuant to 15 US Code 1681 this is considered a violation I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This comany is reporting inaccurate credit limits, inaccurate High Credit, Inaccurate Last Reporting Date, inaccurate Date Last Active, inaccurate Date of Last Payment. Congress has made it clear of the FDCPA to ensure 100 % accuracy this information reporting is not 100 % accurate and should be deleted XXXX XXXX # XXXX
Product: Debt collection

We paid the amount of {$440.00} for XXXX on XX/XX/2023. The confirmation number for that is : XXXX. I tried explaining this but the man kept saying to send it in the mail and I can not. It is a screen shot of the payment made when we made it. We are not gon na pay another {$440.00} for something we've already paid for. I will file for harassment if I receive another bill or call about this already paid debt. Thanks.
Product: Mortgage

The Company is SELECT PORTFOLIO, Because of a mixture of problems being unemployed then getting my job back, my job took away my salary away and now I work on XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX XXXX, so XXXX  are not that happy about XXXX XXXX XXXX because of COVID, SPS put me on a Forbearance program and had told me that I would be able to make it up at the end of the loan. They now want me to start making it up in XXXX of this year my payment went from {$3300.00} to {$4400.00} starting in XXXX, I'm XXXX and besides my job income is right now at $ XXXX {$40000.00} maybe a month. The thing is they had said all along they would put this {$19000.00} at the end of my loan and they totally changed the rules and I will lose my house. I entered this program so they would balloon my payments to the back of the loan. And now I'm in the situation above. 
This is predatory and the lender is trying to get me to possibly do some sort of modification by bumping up my payment so I am hurt and can't make my payments
Product: Debt collection

To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting. 


XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to the credit bureau requesting an investigation into the item listed as a collection on my credit report. I did not receive any updates or response to my request for method of verification. I have sent a follow up to the company as well as called. I am curious to know if XXXX as well as XXXX has deleted this account due to inaccuracies as well as not being able to verify how can Equifax? The representative I talked to on XX/XX/22 name XXXX ID # XXXX stated it is not Equifax job to tell me what methods were used to verify this information and that it is accurate. I am entitled to know the methods this company used to report information against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  ran my credit with ; Trans Union, XXXX and XXXX Trans Union, XXXX and XXXX then sold my information to mortgage lenders. Today, XX/XX/, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX, i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I was a victim of the issue that the FTC is currently trying to take care of now with Credit Karma. I was solicited a pre-approval on a credit card but was ultimately turned down. This brought my score down because of the hard inquiry it does. I have been working very hard to improve my score and this did not help matters any.