23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We filed a complaint with you in the past and you threw us under the bus. Now I see you have sued TCF bank and won. You helped numerous people with similar experiences with Tcf bank. This is our newest complaint as we are victims of a predatory loan and have been charged over XXXX in late fees. We alerted you many years ago when the housing crisis first broke. Tcf uses late fees to their advantage when we Apply for a new long with another institution try to move our loan to another institution. Tcf call the bank BMO only to say we were 30 day late which was a lie it stopped us from getting refinanced and we were told they sent our payment to the wrong department and only to remove it later They report it to the creditors to stop us from getting a loan then remove it once our loan don't go through with the other institutions. Our loan is not serviceable and tcf is holding us hostage by adding on late fees that cant be proven.we never heard back please update us on what you found out and what action you took XXXX and XXXX XXXX filed against TCFBank never heard back. We do believe that we have been distriminate against Because of our race please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Account Status Original Creditor XXXX XXXX XXXX XXXXXXXX is not on my credit report This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX, XXXX. I do not have any contract with XXXX XXXX XXXX. 
XXXX are not reporting this According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

XX/XX/2012 we started with XXXX XXXX XXXX  XXXX XXXX. She assured us she would assist us with a modification or plan to save our home. We supplied the necessary paperwork and exchanged emails back and forth. During this time our home was actually broken into by a Preservation Company hired by XXXX XXXX. They did substantial damage to the home which we informed our attorney. We continue to work with XXXX XXXX when we found out they had been sold to XXXX XXXX during this time the house was occupied by tenants that distroyed the home. We filed an eviction and forced them out of the house. We then found out that it was infested with bed bugs. It took us many months to disinfect and remove sheetrock and carpeting to fully get rid of the bugs. Finally the house was cleared and we moved forward to get it rented again. Still working with XXXX XXXX on the modification we then were informed that the loan was sold again to XXXX. Once again we filled out the needed paperwork and calls to representatives to get the loan caught up. About 5 months ago the loan was changed again to be serviced by Loan Care. I have submitted paperwork again including leases, P & L, taxes and such. The reps we have spoken to our many yet no one has assisted us in moving forward to get this processed. Obviously from when we started this process in 2012 our situation has improved as the house is fully rented with reliable tenants and leases. Our income although not where it was 8 years ago has as well improved these conditions currently help in the request to modify our loan yet we continue to receive denial letters and not explanations. Our own attorney agrees that something is not right as well as other bankers I have spoken to. We DO NOT WANT TO LOOSE OUR HOME and are trying our best to ask for assistance. We have even sought 3rd party financing at a very high interest rate and have been prelimarily approved. Our question is how can they approve us and yet ( Loan Care ) won't even consider a option for us. We had the house appraised there is plenty of equity in the home yet we are still denied. Our credit is now ruined due to these delays which we have been trying to rebuild. We just need help to put this behind us and start fresh. Your assistance in this matter would be appreciated.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I Will also be seeking compensation for the damages caused to me. Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Product: Debt collection

I received a collection call from the company after XXXXXXXX XXXX. I had already made my monthly payment.
Product: Mortgage

XX/XX/year>XXXX XXXX XXXX was serving seeing my mortgage account, loan number XXXX. As of XX/XX/year> XXXX XXXX sold my loan to flagstar Bank, loan number XXXX. Sometime between XXXX of 2024 and present XXXXXXXX XXXX is now servicing my loan. When I attempted to obtain information by logging into their website it wouldn't accept my loan number it said it was the wrong number that I was missing a number but that's the only numbers on my loan paper I can't find any information about my loan my mortgage account on the phone or when I log in I'm not able to make a payment today XX/XX/year> I don't know why but it's not allowing me to and and it's telling me that I have the wrong password and I know I don't have the wrong password.. usually you're able to find out information about your loan and your last payment and all that other good stuff by calling them you don't necessarily have to speak to a live operator or anything but I'm unable to do that now they also told me that my social security number is associated with three different loans. Loan number XXXX. Loan number XXXX. Loan number XXXX. This concerns me I only have XXXX mortgage loan and it should be the one ending in XXXX. I also have my county taxes and home insurance are included in my escrow monthly payment. My monthly payment was originally {$3800.00} for XX/XX/year>. My payment for XX/XX/year> is {$3800.00} I've never been late or missed a payment and I don't know why it's a different amount nobody 's notified me about any changes. The fact is I should be able to get information on my loan no matter what time of day it is whether it's through the phone or when I log into their account but I'm unable to do that it keeps saying that they don't recognize me. And as of XX/XX/XXXX I'm unable to make a payment and nobody 's there no live operator is there to take my call and I'm unable to do it through the phone system and I'm unable to do it when I log on to their App.
Product: Debt collection

I lost my job and fell behind on my cable bill, I owe {$120.00}. XXXX XXXX sent the bill to collections and ever since I have received calls daily, at times 3-5 times a day. I told the XXXX collectors that I JUST started a new job and that as soon as I have enough money I will pay them, the calls then slowed to 1 call every other day. Now I am receiving the calls from a XXXX NY number for the same bill and I told then the same thing, I will pay the debt as soon as I have the money but they continue to persistently and annoyingly call. I work vigorously long hours at a physically demanding job and I 've been woken up by then calling at XXXX several times now and they will not leave me alone.
Product: Debt collection

On XX/XX/2019, I paid an old medical collection account with Credit Systems International via phone through a company representative, XXXX XXXX in the amount of {$130.00}. Numerous times it was announced the call was being recorded. Prior to making the payment, I specifically requested an email confirmation of the payment and confirmation of the deletion request of the collections reported to both XXXX and XXXX Credit Bureaus. I was assured my XXXX XXXX this would be sent to me, but not until the payment was made. 
My call was then transferred to a 2nd " bookkeeper representative '' who took the payment. When I provided her with my email in order to receive the confirmation, I was placed on hold and transferred to a 3rd representative who rudely informed me it was not a company policy to communicate with consumers electronically/via fax. I requested management personnel and was connected with Supervisor, XXXX XXXX. I explained the situation. 

Supervisor XXXX XXXX stated it is not company policy and no confirmation would be provided. I was told to " show up in person '' if I wanted confirmation These are blatant abusive/dishonest business practices being used with no consequences. There are many complaints on the XXXX website of this same nature with the company 's same canned reply. They are not following up to clear the collections appropriately on consumer reports, the original reason I requested confirmation. This has to somehow be in violation of Fair Debt Collection Practices.
Product: Credit card

I applied to American Express after looking over their offer for XXXX Hilton Points after spending {$2000.00} on their Credit Card. ( XX/XX/23 ). 
I was accepted for the offer and Credit Card via their online verification. 
I received the Credit Card a week later and begin purchases. 
I called to today to check my balance, etc and was told I was not accepted for the Hilton Honors Offer. I have spent over {$1900.00} as of today. ( XXXX ) Talk about deceptive practices. I was never informed via email, letter in the mail that I was not accepted for the offer. They did send the Credit Card but no mention of the offer not accepted. Horrible Business Practice and Very Deceptive. 
I spoke XXXX ( Supervisor ) at American Express and he apologized over and over but said he could not do anything about this. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights 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 with my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting ACT ( FCRA ) to conducts a reasonable reinvestigation of disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Incorrect Personal Information - Current Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information onto my consumer report. None of these cell phone numbers are accurate. They do not belong to me. XXXX is not my spouse nor do I know who this individual is. All of this information should be deleted immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX XXXX  account number XXXX. 
XXXX  account number XXXX. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Credit reporting

I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. I have submitted my ID, Social Security Card to prove that is not me and to the creditors but to no avail. I would like to get this handled and removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was told that in order to receive a loan from XXXX XXXX XXXX that I had to take out a insurance policy. They never informed me it was optional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX  XXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!
Product: Credit card or prepaid card

Various orders were completed and XXXX XXXX and XXXX platform no longer allow viewing of all past orders to confirm amounts charged to card and verify that amounts for items returned were refunded.