23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX EMPLOYER : XXXX XXXX EMPLOYER : XXXX  EMPLOYER : XXXX XXXX XXXX
Product: Mortgage

I went on an approved CARES ACT mortgage forbearance from XX/XX/XXXX until XX/XX/XXXX. I resumed making my regular mortgage payments on XX/XX/XXXX. I have been making my mortgage payments on time each month ever since. I applied for a loan modification and was approved to begin making my modified payments on XX/XX/XXXX. After XXXX modified payments I was supposed to have my loan modified no later than XX/XX/XXXX. I made all XXXX loan modified payments on time and still have not received my final loan modification documents. 

As of XX/XX/XXXX, the mortgage company is threatening to foreclose on my house by XX/XX/XXXX, if I do not make the lump sum payment of {$28000.00}. I have called multiple times and on each call, they act like they have no record of my loan modification. I do have a hard copy and pdf version of the loan modification that was offered and accepted by the loan servicer. 

I am worried that they will attempt to foreclose my property illegally. Please advise.
Product: Debt collection

The Winn law group has a lien on my home and refuse to settle with me. I have made several attempts to communicate with them left several messages spoke with a representative by the name of XXXX she gave me amount owed then never answered my calls again. I want to settle and they make it impossible almost as if they dont care to settle. They have my wages garnished since 2015 and never have gotten correspondence from them to clear my debt
Product: Money transfer, virtual currency, or money service

Hello I bank with US bank. 
Lately was scammed through a resale site to transfer money for merchandise. I never got the merchandise and the individual used XXXX through US bank to collect money from me. 
I had never heard of XXXX and I trusted it because it appears on my US bank home menue. 
After complaining, US bank is not doing anything to protect me as a client and neither they have any warning or disclosures stated upon opening XXXX feature to only use this feature to send money to friends and family. Anyone automatically can trust this for the bank to stay behind any complains and disputes down the line. 
I further noticed that XXXX is not even yet affiliated with Consumer Financial Protection Bureau which makes it even worse to appear right along major banks and making it ok with out any disclaimer to transfer money. 
US bank should either remove these unknown features for money transfer or make it very clear as how they operate individually with out banks interference, in case of future disputes and issues. 
I am asking from the bank to take responsibility and issue me {$250.00} refund and also pay closer attention to making it clear for their customers about this.
Product: Credit card

On XXXX/XXXX/XXXX, I fill out and mailed a paper credit card application from Citibank and was approved for a card. On XXXX/XXXX/XXXX, I filed out a second paper application from Citibank which was denied. 
On XXXX/XXXX/XXXX, Citibank 's credit card division made an unauthorized inquiry against my XXXX credit report. This hard inquiry did NOT originate due to a THIRD credit application. I sent a letter to Citibank 's customer service department asking the reason for the XXXX/XXXX/XXXX credit denial. However, I did NOT ask for or suggest another credit pull. No one at Citibank even contacted me to advise of the third credit pull. A legal compliance statement is provided to the consumer upon pulling of credit and this process was completely disregarded.
Product: Debt collection

My information was leaked in the data breach and there are things on my credit that I do not know about and did you open up the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I got inquiries that are inaccurate and need to be removed from my report asap!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Former creditor JP Morgan Chase/Amazon willfully allowed another XXXX dollar in asset company XXXX XXXX to make unauthorized fraudulent charges up to a total of 1 to 6 a day totaling $ XXXX to card ending in XXXX. This account was closed {$0.00} balance in XX/XX/2020. In XXXX Chase opened acct XXXX ane reported to all 3 bureaus decreasing my score from XXXX to XXXX. As a result unable to refinance my home even though all other creditors reflect an outstanding payment history Police report was provided but a consumer statement was not accommodated. Contacted FTC case XXXX ; and OCC referred case # XXXX to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX  XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit card or prepaid card

I used XXXX Chase ultimate rewards points to order a gift card on XX/XX/2022. I never received my gift card. I reached out to customer service 2 times over the phone. Both times they said the gift card would be sent in XXXX business days. It never arrived. I then contacted customer service through XXXX chat. I was offered a refund of the gift card or to attempt another delivery. I attempted another deliver. I received a letter in the mail saying my gift card would arrive via email in XXXX business days. I still never received it. I asked for a refund and was told The marketing team is unable to cancel or refund the gift card even though I was offered a refund a week prior. In addition, they insinuated this was an issue with the vendor of the gift card, which was information I was never told in my XXXX previous contacts with them. I am filing this complaint because I paid XXXX points for something I never received.
Product: Payday loan, title loan, or personal loan

I obtained the loan for {$470.00} from affirm.com to pay in 4 installaments for the purchase of XXXX XXXX XXXX from XXXX XXXX XXXX Order # XXXX on XX/XX/XXXX. 
I emailed to the merchant when my purchased sunglsses would be shipped since no information was provided in the order or on the website on XX/XX/XXXX. 

Merchant responded that it would be in 7 to 12 working days, and it was on the website.

Since it was an obvious lie I emailed back on XX/XX/XXXX after receiving this reply either to cancel that order and refund money or provide me with the exact day my order would be shipped. 

Somebody presented as XXXX replied that would forward my request to some administration area if my " order '' was not processed - while it is still in " Processing '' status as per attached screenshot on XX/XX/XXXX. 
I replied back to provide me that my order was canceled, and did not received a reply. 

Since it became obvious that it was a scam I contacted affirm.com on XXXX for the loan ID : XXXX used for this purchase, XXXX from Customer Service XXXX I explained her the issue, and also that according to XXXX XXXX XXXX the XXXX XXXX out of XXXX with 770 reviews that it is a scam site stealing money. 
I also told her that can provide email thread communication with that " merchant ''. 
She told me that understand the issue, created dispute case # XXXX, that all 3 future installments will be put on hold during investigation, and she escalated this to the senior team. 

On XXXX I received email fomr affirm.com that the next installment will be posted to my XXXX XXXX on XX/XX/XXXX. 
Right after I called affirm.com Customer Service ( XXXX ) XXXX and talked to XXXX. 
She told me that there is no case number yet, and all XXXX installements of {$110.00} each would be withdrawn from my XXXX XXXX. 
To conclude, affirm.com was sided with the cheater to get its cut and not the victim of this online scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a validation letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request that yo ur office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency. TransUnion keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and thes e two acco unts need to removed immediately for they was never validated so clearly they are not verified.
Product: Debt collection

Company never informed me that they would report me to the credit bureau. Even after I requested a forbearance to cover THE YEAR XXXX. I was informed on XX/XX/XXXX by XXXX, XXXX XXXX representative that she was able to see ( 4 ) hardship forbearance request and returned. I spoke with XXXX XXXX  XXXX representative on XX/XX/XXXX who informed me that he sees where the company made a mistake in credit reporting and he tried to correct it. however, he was later told he could not correct it. He said I had to file a dispute to correct it. I asked the company to also go back and listen to the phone recordings for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a fair resolution. I received ( attached ) a letter from XXXX XXXX XXXX in it clearly shows my loans where in forbearance for the questionable dates in XX/XX/XXXX The company never updated their data in a timely manner before they decided to report me to the credit bureau without notifying me with an option to dispute the late reporting. FOR LOANS 1 THRU 7
Product: Credit card

My card was canceled by American Express the same day a payment was made which was XXXX XXXX. American Express sends a letter dated XX/XX/XXXX stating they checked my credit on XX/XX/XXXX. XXXX they stated my account was under review on XX/XX/XXXX and this is why the account was terminated. Now it was because of a Fico Score " among other reasons dated from XX/XX/XXXX ''. So if this was the case the card should have been canceled XX/XX/XXXX. The stories keep changing with this company. The account was canceled according to American Express for a number of reasons. I had an American Express Everyday Card. My card was approved on XX/XX/XXXX. My payment due date was the XXXX of every month. This company does not honor agreements or contracts yet they expect customers to honor the same agreement. Keeping in mind I did not go over my limit or violate any provisions with American Express. The XXXX reached out to American Express regarding my account and they have ignored the XXXX and refused to respond. 
I have repeatedly called and requested a letter in writing stating the final amount on the account at the time of cancellation. I have been asking for this letter for three weeks and still I have not gotten this letter. They made promises to change my billing date and they failed to do that as well. 
Finally according to the customer agreement my account could be canceled if I gave false information, was in default, went over my credit line, unwilling to pay, if I violated provisions, or become incapacitated. At best I was lied to so many times by American Express. I am requesting the billing date to be changed to the XXXX of the month. I am requesting a letter in writing regarding the change of the billing date and the current balance on the account. I spoke to XXXX out of the Florida Office on XX/XX/XXXX who stated the letter " was in the mail ''. I received no letter to date. The total amount owed the date of cancellation on the account was {$2000.00} this was XX/XX/XXXX. 
Total dissatisfaction is what I feel for this company and how I was treated. At this point all I need is the billing payment date to be changed and this information mailed to me.
Product: Credit reporting

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within XXXX business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was offered a settlement and I paid that settlement in full and capital one refuses to report it as paid in full it is still reporting as past due and outstanding
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XXXX XXXX XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 suppose 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.
Product: Debt collection

On XXXXXX/XX/XXXX, I was updated with a derogatory mark from Equifax that affected my credit profile. On XX/XX/XXXXXXXX I sent a dispute regarding the inaccuracies listed on this account It is a clear violation of the FCRA!!
Product: Credit card or prepaid card

Message from Kikoff related to your Claim with XXXX XXXX We received a dispute from you on XX/XX/2022 totaling {$200.00} for the following transaction. 

Unfortunately they haven't responded or done anything to address the this dispute. 

THE TIME FRAME OF 2 COMPLETE BILLING CYCLES WAS ON XXXX I've called over and over and even when I tell them that the FTC has federal regulations about this and that they're in violation of it. They still don't care.
Product: Checking or savings account

Ive been trying to get my money back from this app from over a year now this is my second report about this same app and account and Ive still yet received my money
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I had my mortgage from greentree servicing that did not honor my loan modification I submitted paperwork XXXX different times. They said i was in foreclosure of which I want and charged my account {$1500.00} and really harassed me with phone calls and when I paid charged me a convince fee many times. I believe I am entitled to money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CONTACTED PORTFOLIO RECOVERY ASSOCIATES ALSO KNOWN AS XXXX XXXX. I ADVISED THEM THAT THE INFORMATION WAS INCORRECT AND OFFERED TO RESOLVE THE ACCOUNTS. THE INCORRECT INFORMATION CONTINUES TO SHOW ON MY CREDIT REPORT DAMAGING MY REPUTATION.
Product: Student loan

I have several loans with Navient. All but one are defaulted. The defaulted ones have been sent to a collection agency, who bought them from Navient. I am working with the collection agency, XXXX XXXX, on those loans. The one loan that I have open with Navient, I send a check for every Saturday. The loan number for the open loan is in the check memo. Navient continually applies this payment to the loans that are closed that they have sold to the collection agency. Every three months this ruins my credit report by showing missed payments on the open loan. This is happening even though I was {$1300.00} paid ahead on the open loan when I started making the weekly payments. I am pretty sure it is illegal to apply payments to closed accounts that you no longer own. These payments that are being applied to the closed loans are also not being reported to the collection agency and lowering the balances on their end, so in reality, it is just theft on Navients part. This has been ruining my credit for over a year now and every three months I have to call them and fight with them to correct it. However, the second they receive another payment, they continue to do this.
Product: Credit reporting or other personal consumer reports

My personal information was stolen while XXXX  in XXXX. I recently retained a copy of my credit report and noticed accounts that I have no knowledge of nor have I authorized. I see accounts listed from creditors such as : XXXX XXXX XXXX XXXX XXXX XXXX. I have never authorized accounts with such creditors. I also see credit inquiries that I have not authorized. I have contacted the credit reporting agencies and requested these accounts be verified and there has been no formal response. These accounts are unverifiable. 

I have the right to privacy and I have not given any written consent so reporting this information to my profile is in violation of 15 USC 1681B Furnishing information to my profile resulting in identity theft is also in violation of 15 USC 1681 C-2