23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

5 days ago I called Mr. Cooper and told them that I recently got Covid in the month of XXXX, 2022 and requested them to give me a forbearance for 7 months without affecting my credit, I was told by the last agent I spoke with that she will send me an application by email and on my account in Mr. Cooper website, I still haven't received that Application. 

I was told that it will take 30 days to process the application but still I haven't received the application. why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to dispute and remove this {$44000.00} for XXXX XXXX opened on XX/XX/2021, which is fraud and Id theft have tried to clear up with XXXX XXXX XXXX  but they wont give me info on fraud
Product: Credit card

Got it. Heres a description you can use : I contacted Best Egg before my account closure and spoke to a representative who assured me that my account would remain open if I made a payment on XX/XX/XXXX. I made the payment and scheduled the next two months ' payments. I see that the payment posted and was withdrawn from my bank. However, when I called today to confirm everything, another representative informed me that the account closed on the XXXX. This was after the first representative said everything would be in good standing. The second representative claimed he didnt have that information. In my defense, this means I was given false information or was blatantly lied to about the account status just to receive a {$55.00} payment on an outstanding balance that was going to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the Equifax website to find out information about the current data breach with Equifax. After finding some information about the data breach I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would waive by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the debt collection practices of RentDebt Automated Collections , LLC. 
RentDebt Automated Collections , LLC has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant stress and damage to my financial standing. 

Violations : Failure to Validate Debt : RentDebt Automated Collections , LLC placed a debt collection account in my name, associated with account number XXXX, without validating the debt, as is required under 15 U.S.C. 1692g. Despite my requests, RentDebt Automated Collections , LLC has failed to provide verification of the debt or confirm its accuracy. Inaccurate Reporting to Credit Bureaus : RentDebt Automated Collections , LLC reported this unverified debt to the three major credit reporting agencies as of XX/XX/year>. This reporting of inaccurate and unvalidated information violated 15 U.S.C. 1681s-2 ( a ) under the FCRA. As a result, my credit score has been negatively impacted by RentDebt Automated Collections, LLCs failure to ensure the information was complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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, NY XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. Equifax mortgage with dates XXXX, XXXX/XXXX/XXXX. XXXX. Universal credit with dates of XXXX. XXXX XXXX was n't given permission to run my credit on XXXX/XXXX/XXXX. XXXX XXXX for on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XXXX/XXXX/XXXX. 

These inquiries appear on all three bureaus : XXXX, Equifax, and XXXX. 

Please have these unauthorized inquiries removed immediately.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
CB/VICSCRT XXXX CB/VICSCRT XXXX
Product: Debt collection

From XXXX XXXX : Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is MERCANTILE ADJUSTMENT BU. The original creditor was XXXX XXXX XXXX. 

I have no idea who " XXXX XXXX XXXX '' is, and have never had business with them. A XXXX search does not show any results for a company with that name. I tried to contact the collection agency, but was sent to voice mail or hung up on. This is not my debt and looks to be coming from some form of fraudulent shell company. Also, Mercantile never tried to contact me to resolve before filing with the credit burau.
Product: Credit card

XXXX to XX/XX/year> XXXX and XXXX XXXX XXXX of my service connected XXXX left me unable to work, requested FMLA, & resulted in being separated from a job I held for 9 years. My VA XXXX pay continued being deposited in my Bank of America checking account with overdraft protection from a credit card account and saving account as a contingency. 
XX/XX/year> Bank staff make rude comments about people standing in line. Instate that is inappropriate & am then introduced to XXXX XXXX who calls me a child then refuses to assist with the replacement credit card, debit card, and overdraft protection issues. 
XX/XX/year> XXXX Bank of America branch near my condo to find out what XXXX did & seek assistance. They state they will overnight a Debit Card. 
XX/XX/year> XXXX XXXX approaches me again to state he submitted in his words an " incident report '' for me " storming off ''. I state that is interesting since that would be retaliation for my stating & restating I would be submitting regulatory complaints for his abusive misconduct. He stated he would not accept a check to be deposited or cashed. 
XX/XX/year> Bank staff at Bank of America branch on XXXX XXXX delay my scheduled appointment, delay contacting supervisor XXXX XXXX, claim there is no way to reach her, but finally give me her contact information at a neighboring branch. 
XX/XX/year> I exhaust attempts to reach XXXX XXXX after leaving several voicemails concerning regulatory complaints. I exhaust attempts to reach XXXX XXXX.after sending several emails that go unanswered. Please see attached. 
XX/XX/year> Continue writing XXXX XXXX XXXX concerning bank staff not contacting me. The help team claims several variations of assigned specialist/Regulatory Complaints Advocate/Resolution Specialist will follow up " accordingly '' as a crucial detail in responses from XX/XX/XXXX to XX/XX/year>. Please see attached. 

Bank supervisors delayed contact & resulted in XXXX XXXX showing abusing a Protected Veteran works & is supported at Bank of America.
Product: Checking or savings account

XXXX banking app held up my deposit of XXXX and would not resolve that matter I filed a complaint with XXXX and I. Retaliation they closed my account and I still don't understand what there doing with the XXXX I had my husband deposit into my account I have proof XXXX XXXX deposited the funds I to my XXXX banking app account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby present the findings of my investigation. Upon careful scrutiny, I have observed that certain accounts have obtained verification. Nonetheless, I would like to raise a few inquiries with regards to the methodology employed in conducting this investigation. Were my neighbors, acquaintances, and relatives consulted during this process? If indeed such interactions occurred, kindly furnish me with the identity of the individual responsible for overseeing said investigation. Additionally, I must bring to your attention the observation I made whilst perusing the Fair Credit Reporting Act ( FCRA ). It has come to my attention that you have violated the stipulations outlined within the following sections : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, being a consumer and an individual endowed with a sound education, am cognizant of the complete gamut of rights bestowed upon me and safeguarded by the United States Congress within the purview of the Fair Credit Reporting Act ( FCRA ). In light of this knowledge, I assert that the enumerated list of accounts presented below has violated my constitutionally safeguarded consumer rights pertaining to privacy and confidentiality, as enshrined within 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX and Equifax Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Product: Mortgage

Homepoint finance has been the servicer of my account since I first obtained my property. Since origination I have had the taxes and insurance escrowed, and I have never missed a payment. I was made aware that my 2020 property taxes were never paid, and that my home has a tax lien that has been sold in auction. Homepoint financial has assumed responsibility for this huge mistake, however they have yet to resolve the issue, and I am at risk of losing my home. They have verbally agreed to pay all necessary charges to redeem my property.
Product: Debt collection

LVNV FUNDING LLC does not belong to me and would like this to be taken off my account.
Product: Credit card or prepaid card

American Express has been delivering our monthly statement around the XX/XX/XXXX of  each month and charges a {$38.00} late fee for payments not received by the XX/XX/XXXX of the next month. This has been an ongoing issue with XXXX for about three years. 

We received our XX/XX/XXXX statement on XX/XX/XXXX. 

I have contacted American Express three times on this issue. They have waived my late fees but have refused to address the problem. I have never missed a payment and always pay my full balance each month. My credit rating is excellent.
I do not believe American Express is following the Federal guidelines for time required for consumer payment and I believe American Express is intentionally profiting from their improper behavior. I believe American Express should refund all late fees to all consumers who have been improperly charged by American Express 's intentional misconduct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX experian XXXX XXXX  i need all closed accounts and inqurys remove from my report and statements remove as well i am not in the military and never have been i need old address remove
Product: Credit reporting or other personal consumer reports

My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Dispute Department Subject : Fromal Dispute of Inaccurate Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report maintaining by XXXX. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

The following items on my report are inaccurate or unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Resurgent/LVNV Funding XXXX These accounts are either factually incorrect, incomplete, or unverifiable as required by law. Under Section 611 ( a ) of the FCRA, you are obligate to conduct a reasonable and through investigation into these disputes. 

It is particularly troubling that XXXX is currently under scrutiny by the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigation into consumer dispute. This systemic noncompliance underscores my concerns about the integrity of your investigative processes and makes your prompt and thorough action in this case even more critical. 

I demand that you take the following actions within the 30-day timeframe required by law : 1. Provide me with documentation proving the accuracy and validity of the disputed accounts.

2. Supply a detailed summary of your investigation.

3. Correct or delete any information that can not be verified as accurate. 

Please be advised that failure to comply with these requirements will leave me with no choice to escalate this matter further, including filing additional complaints with the CFPB and seeking legal remedies. 

I expect a written response to this dispute withing the statutory 30-day period. 

Sincerely XXXX XXXX XXXX
Product: Debt collection

At first when the National Credit Adjusters were calling, I thought it was a fraud caller trying to get money from me because that had happened before. Even though, I have never given my personal information and the caller threaten me by saying he was going to call the police if I dont answer the questions. I never did answer.So, this is why I have ignored this claim from the XXXX XXXX XXXX. 

It was not until it began to show a debt in XXXX that I began to wonder on who had taken a loan under my name and when and where did this money went into and how can I prove that it was not me. My husband, rest in peace, kept on saying to ignore it because it was fake. So I did. 

After his passing, I looked again at the XXXX account and I noticed that the debt was still there so I decided to take action. 

I have sent a letter to the XXXX XXXX XXXX requesting documentation and proof that I have taken this loan that they have claimed I did. 

I called XXXX again today, XX/XX/year> and they suggested to go to the FTC and upload an identity theft report since I havent applied to this loan. I dont need a loan.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX