23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone.
Product: Credit reporting or other personal consumer reports

I was involved in several data breeches in the recent months including XXXX XXXX XXXX XXXX XXXX and had all of my personal information posted on the dark web. I have several hard inquiries that I did not authorize, have disputed them and they were not removed. The fraudulent inquiries are as follows : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Ad XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I Has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I had tried to get Transunion to remove fraud inquiries from my report and they refuse. They are reporting to the CFPB that sent me a letter but I never get anything from them I want inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 12 XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # 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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/2023 I was charged on my Paypal credit line managed by Synchrony Bank. 
It was for 3 transactions not made by me. The charges were for XXXX purchases ( XXXX ) but from an XXXX account not mine. I called XXXX and they confirmed that charges were not made in my account but didn't tell me anything else because of privacy policy. 

In summary I was charged using my Paypal credir account for purchases in Apple.com of somebody else not authorized or known by me and I made 3 disputes already and the credit card company rejects my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not authorized : AMEX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.
Product: Debt collection

THE RECEIVABILE management services llc, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). THE RECEIVABILE management services llc obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Product: Credit reporting or other personal consumer reports

Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, Experian solicitors of my information to get other services. And was apart of Experian data breach in 2020.
Product: Debt collection

XX/X/2017 {$230.00} XXXX XXXX withdrew this amount from my bank account without permission and without any legal rights. I have called the company and stated my complaint but nothing has happened.
Product: Credit reporting or other personal consumer reports

m writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirires that I did not request for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that TransUnion, XXXX and XXXX are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.
Product: Mortgage

In XX/XX/XXXX we called Bank of America to let them know we were struggling and see if we could move a payment to the end of our loan. They said that we could get a loan modification and that would help out more. We were told to skip XXXX payment and start making the new lower payment on XXXX XXXX, then after 3 months it would be reviewed and we would know if we were approved. We were approved and everything was fine till XXXX when I made XXXX payment early on XXXX. I started getting phone calls on the XXXX saying I missed my payment. When I answered the phone we would have to go through a major ordeal that the loan was in my husbands name and that they could n't talk to me about it, we had send in a letter XXXX different times giving me permission to talk to them, it would work for XXXX or XXXX phone calls but then we would go through it all over again. They insisted that the payment I made was XXXX and would go all the way back to the payment they told me to skip saying they were all late. I received multiple harassing phone calls daily. It did n't matter how many times I explained they insisted I missed a payment. They never would assign me to just XXXX person to handle the account, I had to call and talk to several people and explain to each XXXX the whole story ( sometimes XXXX a call ). I would finally get someone who sounded like they knew what they were talking about only to be told to call back in XXXX hrs to see if it was fixed. We went through this for a year! Constant phone calls, no results. Finally in late XX/XX/XXXX we gave in and paid some of the fees that they said we owed just to be done with it, even though I have documentation that we never missed a payment. Last month XX/XX/XXXX I noticed a {$15.00} charge on my statement so I called to see what it was for. I was told it was due to a missed payment in XX/XX/XXXX, I explained the whole story and got the same run around, " I 've submitted it for review, please call back in XXXX hrs to see if it is resolved ''. As of XXXX weeks later it still is not resolved.
Product: Debt collection

ERC contacted XX/XX/XXXX two times in a row and XX/XX/XXXX 2x as welll in a row on behalf oh XXXX Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it
Product: Checking or savings account

We make many online payments through XXXX XXXX, XXXX online bill pay web site. 
XX/XX/2021 : Made online pay bill of {$15000.00}, to be delivered by XX/XX/2021, XXXX # XXXX ( bill was high due to medical/dental fees ( {$10000.00} ) and propane gas for the winter, {$3300.00} ) XX/XX/2021 : Received an email XX/XX/XXXX notifying us a check was mailed on XX/XX/2021, did not think it would get there in time to avoid a late payment charge. Quickly checked to see if an XXXX pay bill would be delivered by next day. Paid {$500.00} more XX/XX/2021, XXXX # XXXX XX/XX/2021, Checked XXXX web site, {$500.00} received. Phew no late charge. 
XXXX : Spoke to the following at XXXX Bank XXXX XXXX ). Had not received the check as of XX/XX/XXXX. 
XXXX # XXXX, XXXX ( supervisor ), XXXX XXXX ( Department Manager ), XXXX ( Operations Manager ), XXXX not get her position, nor get last names for most of the conversations. Asked if there is consideration for a customer who has always paid on time and in full. ( Always! ) No consideration. Result : they would not back date the check which came in late XX/XX/XXXX, payment was due XX/XX/XXXX. They said that it is XXXX Banks fault. Therefore, the finance/interest charge was {$200.00}. 
XXXX XXXX Called XXXX Bank XXXX XXXX with XXXX, who said she was the XXXX, said XXXX XXXX Bank XXXX XXXX the check which was dated XX/XX/2021. See above with the results of those calls. 
XXXX XXXX called and visited XX/XX/XXXX Bank XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
Left messages and was told there is a new manager. 
XX/XX/2021 : Met with XXXX XXXX. He would call XXXX and other XX/XX/XXXX Managers? Will let us know. Never called back. 
XX/XX/2021 : Called bank, XXXX was with a customer, will get backnever did. 
XX/XX/2021 : Visited branch, met with XXXX XXXX, he had no help for us. Informed him that we will be contacting the XXXX of Massachusetts XXXX of Banks. 
Received A letter from XXXX Bank XXXX XXXX that they sent a " good faith letter '' to XXXX XXXX Bank. 
No results as of XX/XX/2021 Since XXXX Bank, NA is not located in Massachusetts, XXXX XXXX XXXX XXXX said to submit complaint through CFPB
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

this account was created out of id theft but yet is continueing to report on my credit file
Product: Debt collection

I used to have XXXX. I returned the equipment but was told the charge was from not returning the equipment. I have requested a verification numerous times and have been harassed by repeated phone calls. Please advise.
Product: Credit reporting or other personal consumer reports

Ive discovered some mistakes on my credit report under 15 USC 16c-2. These unauthorized inquiries are incorrect and are damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer claims I owe them money which I do n't. I had a car loan with them back in 2012 and the car was reloaded and sold. I had no balance. Then I started receiving notices of surcharges and fees saying I owed. That now has reflected on my credit report and it 's negative information that is false and misleading. I contacted Santander and offered to pay the {$200.00} they claim I owe even though it 's not true if they promise to remove the negative account and they refuse. They ca n't prove I owe that money and I am aware they are violating cereal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. Experian, XXXX  and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ).  Furnisher Rule Part 660 Experian inaccurately changed the date of first delinquency on this account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 Experian inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) (  G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
Product: Debt collection

I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, NY XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I want these hard inquiries REMOVED!
Product: Debt collection

I NEED TO KNOW IF THERE ARE NEW FEDERAL LAWS THAT STATE SOMETHING TO THE EFFECT OF HOW LONG A PAID MEDICAL COLLECTION CAN STAY ON YOUR CREDIT REPORT AND WHAT STEPS I CAN TAKE TO REMOVE THIS FROM MY CREDIT REPORT?
Product: Prepaid card

Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX  times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. 

Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. One of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined thatXXXX   XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Been charged a fee of XXXX a month for the past 11 months by a company called Citizens One Personal Loans. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with XXXX XXXX and they stated that Citizen One sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before nor did I ever know about them. Upon further investigation I have come to realize that XXXX XXXX XXXX works with Citizens One and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. Did I mention they are charging me for equipment that isn't working? 

I've contacted Citizens One many times telling them that I did not agree to these terms and I was not aware of any additional equipment charges and they continue to call and harass me. I've told them I want everything in writing and they said that they do not write letters and they are going to continue to call and harass me. 

I have not signed anything or agreed to any of their terms and I am continuously getting charged.