23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started my CARES COVID Forbearance XX/XX/XXXX. XX/XX/XXXX I reached out to Freedom Mortgage to advise I was ready to move forward with my COVID Streamline FHA Solution based on the CARES Act and was advised I was eligible for a COVID Partial Claim with a loan modification to reach an affordable payment due to my income being impacted by COVID. On XX/XX/XXXX I reached out to Freedom mortgage for an update and was advised I was approved on XX/XX/XXXX for an FHA standalone modification which didn't include a partial claim. I advised the proposed payment of {$1100.00} from the offer dated XX/XX/XXXX was not affordable and was not given a valid reason as to why I was not approved for the Combination partial claim with a loan modification, but agent id XXXX would send an internal email to escalate the matter and agreed that I was eligible for a Combination partial claim/mod option. I was advised the offer letter sent were not the final terms and to sign and send it back anyway and I was assured I would be approved for the Combination partial claim /mod. I have been waiting for the final Modification/Partial Claim documents since XX/XX/XXXX and have yet to receive them. The Combination partial claim with a loan modification would reach a more affordable payment which is the solution I requested since XX/XX/XXXX and was told I was eligible for which is accurate based on the CARES Act and they type of loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report. Upon reviewing my report, I have identified stark discrepancies in the reporting of negative items across the three major credit bureaus : XXXX, Experian, and XXXX. These inconsistencies have had a detrimental impact on my credit score, and I firmly believe that these items have been reported falsely. I request their immediate investigation and removal.
Product: Money transfers

I contacted PayPal to inquire as to why a transfer of funds was " Pending '' and not sent. I was informed by " XXXX '' that the funds were in fact sent but were currently " at the Federal Reserves so they can confirm the money and the bank account are [ mine ] through the Federal Reserves clearing process. '' I asked to speak with a manager and proceeded to hold 10 minutes. Once the manager, " XXXX, '' got on the line she stated PayPal no longer had the funds and that there is a 3-5 day clearing process by the Federal Reserves. I stated the Federal Reserve does not " hold '' funds as it is an automated clearinghouse function. XXXX stated PayPal does not hold any funds. Before disconnecting I confirmed what I learned from my inquiry was PayPal sent the funds to the Federal Reserve and the Federal Reserve currently had my funds to confirm they were actually mine and my bank account was actually mine. XXXX confirmed this was accurate. I stated I would be contacting the Federal Reserve. 

Following the call I contacted the Federal Reserve and was told " PayPal continually tells customers money is being held by the Fed. '' I also learned there is a max of 2 days to hold funds. I inquired about who governs PayPal and was told the CFPB. Once I disconnected from the call I logged back into my PayPal account and the transaction was magically marked " Completed '' and no longer " Pending. '' Can you please explain how UDA ( A ) P would not apply to this situation? Is this not an example of a misleading act ( or even practice given the statement made by the individual with the Federal Reserve related to PayPal continuing to tell customers the Fed is holding their money )?
Product: Vehicle loan or lease

Car has been repossessed reporting mssed payment every month since XX/XX/XXXX and or CO everymonth since XX/XX/XXXX. Please remove all late payments. I was impacted by Covid 19
Product: Debt collection

This account is included in the bankruptcy Huntington XXXX, this was included in my bankruptcy and Ive made multiple attempts to remove from my credit report this will need to be added to bankruptcy report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; Medical 1021014****Balance : {$75.00}.
Product: Credit reporting or other personal consumer reports

I am currently in the process of buying a house. After an extensive investigation, I realized that I have some damages that I need to fix on my credit score. According to the 15 U.S.C 1681, no damages should be on my report. This is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge 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 XXXXXXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} 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 XXXXXX/XX/2022
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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

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 ) : # XXXX, Account name ( XXXX XXXX ) : # XXXX, Account name ( XXXXXXXX XXXX XXXX : # XXXX, Account name ( XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things that were incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX XXXX XXXX XXXX in regards to a credit card ; the company is claiming there is an account that they claim to be charged off in the amount XXXX XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you
Product: Credit card or prepaid card

I contacted Barclays today to get a copy of the original card agreement that I signed. They told me that they do not have it and refused to provide it because it was sold to a collection agency.
Product: Checking or savings account

I, XXXX XXXX has never owned an account with XXXX XXXX. The account on my consumer report on EarlyWarningSolutions states I had an account with XXXX, it has my name on it with no personal details correlating with my personal details. I believe this is a computer error or personally not my own account. The account number is XXXX.
Product: Mortgage

To Whom it may concern : re : XXXX FILE NO. XXXX The servicer, XXXX XXXX XXXX is saying to me the foreclosure is handled by the attorney firm Tiffany and Bosco XXXX 

Please provide the following information : XXXX ) name and contact information for the Attorney at Tiffany and Bosco in charge of the file. 

XXXX ) Copies of documents evidencing their appointment as the XXXX and copies of any Power of Attorney granted to them and by whom? 

XXXX ) Signed affidavit by the Trustee of the Deed of Trust validating the actual amount of debt owed and is being foreclosed on. 

XXXX ) Copy of your response to my objection letter of XX/XX/XXXX to your debt validation notice of XX/XX/XXXX. 

XXXX ) Provide XXXX XXXX XXXX report showing both sides of the ledger since the origination of the loan in XXXX and proof of who funded the loan? 

XXXX ) Company Name, address and contact details of the current holder-in-due course. Per USC Title 18, Part 1, Chapter 101 2071, the holder- in-due course is required by law to maintain good care of my legal instrument. 

XXXX ) Per UCC 3-104, the endorsement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAY TO THE ORDER OF without recourse .... '' at the bottom of the document titled, HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE mean that, my instrument was altered into a demand draft and was cashed at par value of the instrument like a check? If not, please explain the purpose of that endorsement and the outcome of the alteration of my instrument. 

XXXX ) Please provide where in the note or deed of trust signed my me, specifies what species the payment has to be made? 

XXXX ) Please explain your understanding of the following codes : XXXX USC 411 18 USC 8 12 USC 83 UCC 3-603 10 ) Copy of the XXXX for the current Beneficiary and XXXX ( XXXX ) XXXX XXXX. 

XXXX ) Copy of your XXXX XXXX XXXX and XXXX XXXX XXXX. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX  THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came home from prison after doing four years and checked my credit report. I have accounts that were created while I was incarcerated. I did not have the ability to apply for anything while incarcerated because I did not have access to anything to do so. 
The following accounts should not be on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX The following inquiries cant be mines : XXXX XXXX  XXXX XXXX XXXX XXXX  They should block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, I've read that by law 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish a account without my written instructions. 

So I don't know how this got on my report... 

These accounts are hurting me in a very bad way cuz I can not get any loans or any thing due to fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX last year, XXXX XXXX  transferred our Loan Servicing to Rushmore Loan Management Services and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by Rushmore LM on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called transunion, XXXX  and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
Product: Debt collection

i recently did a free credit report when i noticed a derogatory mark from XXXX XXXX. I am not aware about this debt of XXXX dated XXXX of XXXX. I sent a letter to the company asking about what debt they where trying to collect, but in response XXXX XXXX stated i owed the debt.
Product: Credit card or prepaid card

On XX/XX/21 I had new tires installed at XXXX XXXX XXXX store in XXXX, MN. Went to pay and card was declined. After 2 hours of phone calls at store and 3 attempts to use Citi Card, Mastercard, I was assured 3 times this would work. Being about 40 miles from home had no way to pay other than open a store card account. Fortunately i have EXCELLENT credit score and the card was from XXXX XXXX where i have a sizable IRA account. 
After i got home I contacted Citi Card and tried to have hold lifted. Seem like you have to have bank of phones with text messages. Have one but I use Caption Call so it has a different number than the phone 's XXXX number. It is for hearing impaired number with captioned dialogue. Have one at home on my VOIP Phone also. They refused to tell me why exactly the card was on hold other then security reasons. Last charge was autopay on the XXXX for internet service, but XXXX payment on Autopay was declined. XXXX waived late fees due to my longstanding as a customer and bill was paid online using another card from XXXX XXXX I had at home. This has happened in the past also at least 3 times the card was locked or number changed by Citi Card for so called security reasons. They do not tell you this or just let it go through and contact you. All charges are pended for at least 2 days or longer. This would be much more convenient to customer than leaving them stranded at store. It wasn't that i could just put the tires back on shelf and walk out. Please look into Citi Cards Fraud Protection Department for their policies and actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the previous Complaint number : XXXX - I sent to XXXX I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.
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.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Account XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$22000.00} XXXX XXXX XXXX XXXX - Account XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX Balance $ {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX Balance {$32.00} XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX  XXXX Bankruptcy : XXXX XXXX Bankruptcy {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX XXXX, XXXX {$660.00} XXXX XXXX  XXXX - XX/XX/XXXX {$440.00} XXXX XXXX XXXX - XX/XX/XXXX {$990.00} XXXX XXXXS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX - XXXX XXXX, XXXX {$100.00} XXXX XXXX  XXXX - XX/XX/XXXX {$720.00} XXXX XXXX  XXXX - - XX/XX/XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} US DEPT. OF EDUCATIO XXXX - XX/XX/XXXX XXXX XXXX {$35000.00} US DEPT. OF EDUCATIO XXXX - XX/XX/XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Paid Off XXXX XXXX  XXXX XXXX - XX/XX/XXXX Paid Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX $ {$1000.00} XXXX XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX {$21000.00} XXXX XXXX - XX/XX/XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX - XX/XX/XXXX {$6900.00} XXXX XXXX - XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX  XXXX - XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX - XX/XX/XXXX {$100.00} XXXX  XXXX XXXX - XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX {$6900.00} XXXX XXXX XXXX - XXXX XXXX, XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX {$12000.00} BANKRUPTCY XXXX  XXXX : XX/XX/XXXX {$0.00}