23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan modification in 2014 with SLS ( Specialized Loan Servicing LLC ) after mortgage loan was transferred from XXXX Mortgage to XXXX XXXX XXXX. I diligently providing all documents requested by them ( SLS ), at least two dozen times by fax, USPS and XXXX, in an effort to have the modification approved. Each time documentation packages were submitted, a call by a SLS representative would state 1 or 2 items ( documents were missing ) I was advised early on in the process that I qualified for the loan modification and the eligibility to qualify for foreclosure prevention was a shoe in, to include an option for the Home Affordable Modification Programs ( HAMP ). The result from SLS home modification and mortgage assistance failed resulting in foreclosure. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. I have recently, attempted to contact the company requesting an offical letter stating my foreclosure was redeemed and my property was sold. This required by my present employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on 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 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card or prepaid card

Received notification via email that I have applied and opened a credit card with CitiBank. 

I have notified CitiBank of the fraud and requested they cancel the card. 

I was informed they cancelled the account ; however, it seems that is not the case and now CitiBank is mailing out the new card. 

No one from their fraud department has reached out since I reported the issue. 

XXXX  credit report shows the inquiry on my account.
Product: Vehicle loan or lease

I have a XXXX that I could no longer post on and they would not come repossess it. I owed about {$7700.00} on it. It was a XXXX  and XXXX. XXXX  I think.
Product: Debt collection

2022 - {$3500.00}, {$1500.00}, {$1400.00} {$1800.00} : Credit card company are garnishing my wages I am head of household with 4 small children. I was not advised that lawsuits were being filed against me. I didn't have a chance to speak up for myself, I'm on the verge of loosing my home because I'm behind on payments as well as all my other bills. I don't have enough money to buy groceries for my children.
Product: Credit reporting or other personal consumer reports

I just submitted a previous claim for the equifax data breach in which I was told by equifax I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I attempt3d too dispute these items send innletters nothing has been done by equifax during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated advised Transunion a copy of my drivers license and SOCIAL SECURITY NUMBER CARD with proof that my name is XXXX XXXX XXXX. My name is not XXXX XXXX XXXX XXXX. I am a woman and I do not have any suffix at the end of my name.
Product: Debt collection

This collection agency, FOCUS RM, has placed a debt on my credit report that is not mine. I researched the company. Apparently they are scam artists that place false debts that do not belong, and they have done this to XXXX of people. The debt on my credit report, which has ruined my credit is not mine. I never even used XXXX. Please shut this scam company down!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts, resolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provided evidence to furnish excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected nor removed disputed items, despite the evidence I provided causing harm to My credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/year>, I made a payment to XXXX XXXX ( Apple Card ) in the amount of {$5400.00}. Immediately after, I received a notice that my credit limit had been decreased down to next to the amount of the payment. This, of course, means that after uprooting my life and selling my house in order to make a sizable payment, they took accepted the payment and then took the available credit from that payment. In other words, all of that saving and home selling/buying process to get the equity was for absolutely nothing. I attempted to contact them several times asking them to reverse the ACH due to the timing of this and no one is helping me. Thats XXXX XXXX dollars down the drain for no reason whatsoever. I am understanding in the fact that a credit limit can be raised or lowered at any time, but the timing of this seems odd. How was my credit limit where it was this entire time and then as soon as I make a payment, they take it away from me so I have no access just in case I needed it for emergencies. I will be disputing this with my bank as it feels as if I made this payment under false pretenses. Had I known that my credit would be taken away, I wouldve not made a payment in that high of an amount. Should they review this complaint, I ask again, please contact me to get this payment refunded so that I may reallocate those funds across other cards that help me better my financial situation.
Product: Credit reporting or other personal consumer reports

XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXXThe service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX was also closed. 

This remaining balance, XXXX  claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Product: Credit card or prepaid card

I called the bank asking for assistance in disputing transaction from nonrespondong vendor due to incomplete work and dalse charges.Cap One agent promised to send me a follow up letter, I never got it.By accident I found out I need XXXX XXXX fax over, which I did timely.Now they claim thry never got faxed documents and yesterday I received an email communication that my charges were reversed because I failed to provide a paperwork. 
I called to complain and asked them to look at fax better, they offered me an email to upload which I did and they still did not reverse the charges.
Product: Credit card or prepaid card

it keeps asking me for the same info, that was provided and i/p correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and XXXX. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with Account Control Technology , Inc. on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.
Product: Debt collection

I received a call from XXXX at XXXX stating I had to deposit {$1500.00} into her company account - P & B Capital, Acct # XXXX, XXXX XXXX Bank or she would file papers to take my home. She was very rude and abusive. She called me at XXXX, XXXX, XXXX. and on XXXX/XXXX/16 at XXXX. I had asked for their company name and website. That was when she became verbally abusive.
Product: Credit reporting or other personal consumer reports

Did not authorize for credit to be pulled XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX
Product: Credit card or prepaid card

I was supposed to receive a new account bonus of XXXX miles but did not receive it. Representative would not review transactions with me.
Product: Credit reporting or other personal consumer reports

I paid off a 0 % interest car loan ( XX/XX/XXXX ) thru XXXX XXXX XXXX years before it was due, however, for some reason they reported me to be 30 days late on XXXX of the payments. I discovered this a year later, and showed XXXX XXXX their error which they corrected. In XXXX of XXXX, I disputed the 30 day late pay status, and they received the corrected information from XXXX XXXX, and sent me a dispute result showing there was were no late payments. What I didn't see at the time was that there was no change in the " late payment status. '' XXXX had the same error, but they corrected it short order. 

Getting back to TransUnion, when I finally discovered that there was essentially no change in my late pay status, there were numerous phone calls, numerous disputes, all with the same result. It was like TransUnion didn't understand their own report codes. Today, nothing has changed.
Product: Money transfer, virtual currency, or money service

I received a payment from a customer and PayPal withheld 50 % of my payment for no valid reason. PayPal 's policy states that if I exceed payments received by XXXX USD, which has not happened. 

and they do not give me an explanation of why they withhold it if it was a service performed, the attention by call never enters and in message they did not answer my question. 

I ask you to please help me because there is no reason for them to hold my money for 21 days or 7 days as they say. 

I will appreciate your help
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX. I request that employer be updated to reflect the correct information..

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this letter finds you doing well. XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX, and TransUnion. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX is reporting to credit reporting agencies such as XXXX XXXX  and TransUnion, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXXI was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the  end of XX/XX/XXXX. <P/>Thus, XXXX is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/>However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called XXXX to dispute these late payments, and I have supplied XXXX in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : XXXX XXXX XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX for {$44.00} at XXXX. Because of credits on my account my closing balance for XX/XX/XXXX was {$23.00}. I never received my statement and forgot to pay the account. I paid {$49.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) and {$2.00} on XX/XX/XXXX ( due date XX/XX/XXXX. Therefore for a balance of {$23.00}, I paid {$27.00} in fees and interest. I have never been late on this account. 
I realize this is a very small issue and amount. However, I believe their charges were totally unreasonable. I realize that my not receiving the statement does not exonerate this company from billing me late fees/interest. To bill me {$27.00} for a balance of {$23.00} that was paid within 52 days of this purchase is outrageous based on my credit history since XXXX with this credit cad issuer.
Product: Mortgage

By the end of   XXXX   XXXX  , Ban k of America n otified me that my home loan ( Account #  XXXX  ) serviced by  XXXX   ( A ccount #  XXXX  ) was going to be transferred to  BofA ag ain. They notified me with only  2 weeks  in advance. I used to pay twice during the period of the  XXXX . and   XXXX   of each month through the bill payer I had set up in my  Credit Union  account.  XXXX  received the first payment on   XXXX   XXXX   XXXX   as it can be seen in the payment history attached but the second payment set up for the  XXXX  was returned to my account. I was informed by the  Credit Union tha t  XXXX  had close the account.     In  XXXX  I sent to  Bank of America  the returned payment as well as the due payments for the month. BofA kept showing and still is showing in my account on line, that my payment was/is past due. I went a couple of times to local branches but I was told that all mortgages are only managed on line. I contacted BofA to inform them that all the payments had being submitted timely and that they should post the last payment I sent to  XXXX . In the meantim e, BofA has sent  me letters a couple of them certified letters offering " help '' with my missing payments.      Three  months has passed since the account is showing missing payments that are not truthful. There is no pending or missing payments at this time. I am writing you so BofA update all the payments I have made to my account. Past experiences have taught me that at the end I am hold responsible for actions that  BofA has done  or not done. I am asking you to please request BofA to request the missing payment to  XXXX  and keep a truthful record of my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting 2 closed accounts of XXXX to XXXX with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with Navient and XXXX and the outcome always is that they don't fix It. I am a XXXX % XXXX veteran and this issue is affecting me.
Product: Credit reporting 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 Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 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 U.S.C. 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

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowingXXXX XXXX XXXX XXXX  to fraudulently report 1 collection bill as 3 separate bills. I have 1 collection bill with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 bill as 3 separate bills. I made a dispute with Equifax and provided documentation showing that I only had one bill. Equifax did nothing at all but update the balance date. The two other credit agencies made corrections based on me provided proof. Equifax is allowing fraudulent reporting to continue.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Bankruptcy Chapter XXXX - XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.