23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been told so many conflicting things regarding our mortgage loan. We have sent payments to only have them returned for no reason, but when we ask, we are told due to the status of our mortgage loan account. Then we are charged late fees and added interest on the returned payments. We have gotten letters stating we are current on our mortgage and no payment is due with a given date of two months later. We get loan modifications of ridiculous terms of 40 year term and balloon payments due after 5 years. We never speak with the same person, we get calls from weird phone numbers like +10 instead of a 10 digit phone number. We were told on Monday, XX/XX/2022, no worries on foreclosure. They said they would mail a packet out to us to fill out and return or we could go online to complete. We get a call on XX/XX/2022, stating we are in active foreclosure and gave me an attorney name and phone number. We very suspicious and concerned about our mortgage company as they don't seem to have it all together by not supplying our loan servicing needs. The amounts are constantly changing, we have a hard time receiving information we have requested. To be honest, we feel they are wanting us to sign a loan modification which we do not agree with the terms. We are concerned of loosing our home because communication is so poor and nothing is consistent. We want to pay our mortgage and pay it monthly. We just want to be treated fairly and things be consistent regarding information, charges & other important information about our mortgage loan. This situation has really taken a toll on our health by stressing not knowing what will happen next.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XX/XX/XXXX for providing inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 
I recently reviewed my credit report and found that XXXX XXXX has reported erroneous information regarding my account. The details are as follows : Creditor : XXXX XXXX  Account Number : XXXX Inaccuracy : Number of months terms, dates of last activity, conflicting comments, number of months review, term source type I have made several attempts to resolve this matter directly with XX/XX/XXXX, but my efforts have been unsuccessful. Despite providing them with evidence proving the inaccuracy, the incorrect information remains on my credit report. This inaccurate reporting has negatively impacted my credit score and has caused me significant distress. 
Under the Fair Credit Reporting Act, XXXX XXXX is obligated to report accurate information. By providing false information, they are in violation of federal law, which mandates that all information furnished to credit reporting agencies be accurate and complete. 
I request that the CFPB intervene in this matter and ensure that XXXX XXXX immediately corrects the inaccurate information and updates all three major credit reporting agenciesXXXX Experian, and XXXX. I also request that XXXX XXXX provide me with written confirmation once the corrections have been made. 
Thank you for your attention to this matter. I trust that the CFPB will take prompt action to resolve this issue and protect my consumer rights.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXX report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

James B Nutter reported a missed payment on my account for XXXX 2020. I disputed this missed payment because of military orders prevented me from sending payment in on time. I disputed the missed payment information and never heard from the bank until I sent an email to them asking what happened with dispute. The representative told me to send the military orders in via email and they will work on it next month. I did that, but then was told via email that the missed payment will stay and was given a link to a XXXX XXXX handbook that does not say anything. I asked what page or paragraph I should be referring to and no answer. They are treating me very badly. I know they broke the rule by not appyling within 30 days which I have email proof of. I will attach email showing that letter was sent to a random address and never picked up. I can submit military orders, but would do so in a more secure way. I will be going to XXXX/News Outlets as well unless CFPB can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXXXXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.
Product: Checking or savings account

I first had a checking account with Wells Fargo in XXXX and it was closed and other accounts were opened up in my name without my consent. In XXXX I opened an account with them and it was closed with in a month without any explanation. I was finally able to open up a clear access checking account in XXXX and haven't had any issues with them they were my main bank account and I was told because I submitted too many claims that my accounts are being closed. Which I asked them why am I being punished for opening up claims when the claims were for packages that were supposed to be delivered to my house and I didn't receive the packeges. I told them I have went and asked the community manager if I she has received any package and they say no. I will call the companies and they would say well you need to get in contact with the carrier and when I do they say it was delivered and sometimes they are delivered to the wrong address and I have asked around but nobody has seen any of them.
Product: Credit reporting

To whom it may concern : I respectfully request a credit freeze on my credit file. My name is XXXX I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. Per the laws of the state of OHIO, I do not have to render a fee for the aforementioned freeze request. There is a XXXX account that someone tried to apply for that I never authorized or applied for Please delete the inquiry from my Credit Report it is Fraud. 

My current address is : XXXX, OH XXXX My Social Security number is : XXXX My DOB is : XXXX
Product: Credit reporting or other personal consumer reports

In order to REMIND the Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have fallen victim to identity theft, and I am submitting this complaint regarding the presence of fraudulent information in my credit reports. The following items are not associated with me, and I have neither received any funds, goods, nor services as a result of identity theft, nor have I authorized them. The XXXX, XXXX, and Equifax Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by persistently reporting unverified information without providing any proof within the legally allotted time. This reporting is unauthorized. Please find below the specific items that are being reported on my credit reports : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have disputed with these credit bureaus a few times and also with the company XXXX XXXX XXXX XXXX regarding them placing repeated charge off on my credit report every month and they sent back that it was legal to do so.

1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect.

2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account.

3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements.

Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  and Experian that i am a victim of identity theft
Product: Credit card

I have had a Care Credit card for several years and made several large purchases on the card. I paid it off, on time, every time. I never missed a payment once. The problem arose when I stopped using the account that my autopay was scheduled to come out of. I used the app, and it had no way of changing the autopay account. I decided to just set a reminder in my phone and pay the bill manually from a different account every month. I never missed a payment ever. Then I started seeing an extra charge on my account, and I called to ask what it was. They were charging me for non payment of my bill, regardless of the fact that I had paid my bill on time, without fail every month!! Then they closed my account for missing too many payments!! I have not yet checked, but I assume that they have likely reported this to the credit bureaus as well. This is completely unfair and undeserving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( Equifax ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I've made numerous attempts to dispute these fraudulent information and Experian states their Verified and Accurate. these accounts are fraudulent XXXX XXXX XXXX XXXX account : XXXX XXXX account : XXXX XXXX Financial account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX account : XXXX Money XXXX XXXX account : XXXX XXXX bankruptcy XXXX XXXX Delete these fraudulent placements. these accounts don't match my current address
Product: Debt collection

This alleged debt is from a previous landlord. On XXXX I received a notice that another contact ( one that did not live with me but was provided to a previous landlord as an emergency contact ) was contacted by Hunter Warfield. On XXXX I called in and spoke with the account manager and requested any other phone number be removed and to contact my primary number only. At that time they confirmed my primary number that they should contact. 

Hunter Warfield acknowledged they will inactivate any other contacts. I advised them they were calling others and not even contacting me first. 

Today XX/XX/year>, I received a voicemail from Hunter Wakefield that was left for another contacts on a number that should have been removed. I have access to this account as its my grandmothers account. Hunter Warfield did not reach out to me today before leaving this voicemail on a third party line. Anytime they have contacted me I have answered.

Today I asked for confirmation via email or mail with their team manager XXXX, that they have removed any contacts besides my information again and they said it was now removed but could not send something in writing. These are deceptive tactics and they are contacting individuals I have explicitly instructed not to contact. They should only contact me via phone or mail at the number they have on file for me only. 

This is against FDCPA- especially given that I have explicitly asked for removal of other contacts and responsive when they reach out.
Product: Checking or savings account

Dear CFPB, I am writing to bring to your attention the unauthorized withdrawals that have been made from my account without my consent starting XX/XX/XXXX XXXX XX/XX/year>2024. I recently noticed several transactions on my bank statement that I did not authorize or recognize. These withdrawals have caused financial strain and disruption to my personal finances.

I have contacted my bank ( Current ) to investigate these unauthorized transactions, but I have not received a satisfactory resolution. My claim was denied but when I asked to see why ( documents/explantion ) nothing was provided. I am seeking your assistance in resolving this matter and requesting a thorough investigation into these unauthorized withdrawals. I would appreciate your prompt attention to this issue and any support you can provide in recovering the funds taken from my account.

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Last XXXX I was unable to get customer service from EQUIFAX because their website does not work and the representatives on the customer service telephone number were not competent enough to understand my question : they kept reading scripted answers to questions I was not asking. I submitted a complaint to CFPB and EQUIFAX responded that they required additional information from me BUT PROVIDED NO WAY FOR ME TO SUBMIT IT. My complaint is that there is no avenue for communication and this was their response : " Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE ADVISED THAT IN ORDER TO PROCESS YOUR REQUEST, EQUIFAX NEEDS PROOF OF SNN AND ADDRESS, PLEASE SEND THE DOCUMENTATION REQUIRED. '' Let me be clear : they demand more information but do not provide any means whatsoever for it to be submitted. Once again I request direct contact from a human being, not a website or automated telephone tree, to assist in resolving this. EQUIFAX must provide some means for customer service.
Product: Debt collection

My name is XXXX XXXX XXXX today I received a notification on my email saying that I had a credit coletor on my credit report when I verified the information shows Southwest Credit System I dont have any account with southwest credit system I wasnt never advised of anything I didnt received anything from them so I dont know who they are why they are reporting something that Im not aware of it and they only think I could see was the amount of XXXX. Im a Texas resident abs I never had anything for XXXX I need to know who is using my information and why I never was contacted and never received anything this is very suspicious
Product: Credit card

I purchased a product on XXXX XXXX with my Venmo Credit Card for a total of XXXX ( including fees ) and the product was never delivered. I contacted Venmo and let them know that I never received this item. I opened a dispute with Venmo and they issued a temporary credit on my Venmo Credit Card. After some time, however, the charge was back on my statement and I then got a 5 page letter in the mail.

The letter stated that the case had been reviewed and that it was being closed because their ( Venmo 's ) " records indicate that the service or merchandise was received by you and delivery was confirmed. '' This is a lie. There was no record indicating that I received the product. There was no tracking number. Venmo just made that up and listed it as the reason on the letter so they could close the case!

In the 5 page document, however, Venmo included a page called the chargeback response form. This form indicates that the card holder, me, is in violation of PayPal 's user agreement by purchasing goods and services through " friends and family '' even though on the Venmo app it asks if the transaction is a purchase of goods and services and that a refund may be available if there are problems.