23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I were on a mortgage forbearance because of Covid 19. This ended in XXXX and I received a letter stating that our first payment is due XX/XX/XXXXXXXX. On XX/XX/XXXX I called Amerihome to make a payment and was told that they will withdraw the money that day from my checking account, hold the funds and then apply the funds on XX/XX/XXXX for my XXXX payment. 

This is not what happened. They applied my XXXX payment to XXXX even though I didn't owe a payment for XXXX. Now because they screwed up, my payments are a month behind I am getting hit with late fees and and a process server came to my house to serve me papers from Amerihome for non payment. I have been on the phone for hours trying to resolve this issue and I am getting nowhere. 

I called last week to request a written copy of all my past correspondence with Amerihome and was told I should get a copy by email within a few days. Its been over a week now and I have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXXXXXX - {$1500.00} -HAS VIOLATED MY RIGHTS! 


INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022- HAS VIOLATED MY RIGHTS! 
XXXX XXXX XX/XX/2022 - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
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 Experian and XXXX credit reporting agency , block 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$59.00} CHILD SUPPORT ENFORCEM XXXX BALANCED {$25000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information got merge with someone else credit file and I try to call the credit breau and they couldnt fix it at all and its messing me up my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inquiry Was Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit card or prepaid card

Bank of America has turned me over to a collection agency for a fraudulent identity theft I never Bank with this bank of america just checked my credit history and this was on my report apparently I owe them XXXX $ I have never done business with this bank now they want this payment sent to XXXX XXXX XXXX credit owner XXXX XXXX XXXX Can you please help me they have ruined my credit and I was so unaware of theses charges that someone has stole my identity or bank of america is responsible. Help Please XXXX XXXX XXXX
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, 2017. It was a bill for medical care in Florida for someone with the same last name but different first name. I called the medical group listed and confirmed that the bill was for an XXXX year old child in Florida. I am XXXX and live in California. The medical group said that they had not provided my name or address to the debt collection agency.
When I called the debt collector and explained to them that this was not my bill they first told me to 'just return the bill '. I 'm not sure how you return a bill. I was also very concerned that this would negatively impact my credit score.
I pushed further and the person on the phone supposedly went to talk to a supervisor. After about a minute she came back on telling me to ignore the bill.
This is either a scam or a very poorly run business. I 'm still concerned that this will impact my credit score. The company provided no information on how they got my address or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.
Product: Mortgage

previous employment had caused a lack of working hours which had caused me not to be able to make my monthly payments. Wanting to prevent my mortgage from going to foreclosure.
Product: Debt collection

As a victim of identity theft, I submitted a dispute to your bureau, expecting a resolution within the stipulated 30-day timeframe outlined by the FCRA. However, your bureau has extended the investigation period to 60 days without providing any valid reason for such delay. This not only exceeds the legally mandated timeframe but also creates unnecessary stress and uncertainty for me as a consumer. Furthermore, I am deeply troubled by the apparent verification of the disputed items without any valid supporting documentation or information provided to me during the dispute process. This raises doubts about the legitimacy of the investigation conducted by your bureau and suggests a lack of transparency in your verification procedures. 
XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
I demand an immediate and comprehensive explanation of the verification process undertaken by your bureau, as well as the specific information that was used to verify the disputed items. The presence of fraudulent accounts on my credit report has severe consequences for my financial well-being, and I expect your bureau to act with the utmost diligence and transparency in addressing this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been a victim of identity theft, and I am perplexed as to why your bureau has not followed suit with the actions taken by other credit bureaus in response to my requests. Some of the other credit bureaus have already removed these accounts from their records after acknowledging the errors present. I am confused about how your bureau has verified this information while others have recognized the discrepancies and taken corrective actions. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regul
ation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Requested investigation of public records on all XXXX credit reporting agencies, XXXX, TransUnion, XXXX. 
Court clerk- Public record shows both bankruptcy were filed but never processed & cases dismissed. Unable to validate person making cases. 
Public information listed on court records but no proof that it belongs to me. Talked to court clerk & stated information listed can be anyone with the same name or social security number. No information is verified as to the correct identity of the person. 
XXXX get all their info listed in public records with no of identity validation. 
XXXX, XXXX XXXX TransUnion all state they take the statement of XXXX as their proof.
Product: Debt collection

this debt originated from XXXX XXXX XXXX in XXXX XXXX was told this group was " in network ''. Not true. I was initially billed a {$600.00} deductible, which I paid. In XXXX I noticed on a credit report that Paragon Revenue Group had placed a collection for {$3500.00}. I tracked it down to XXXX. After calling several times I was told the reason I owed this bill was because they FAILED to file the insurance claim!! I have battled Paragon for 13 years now. If I call or write to dispute it, they renew the claim. Or did. Now, it 's on auto-renew. I have no account number as it 's so old it 's out of their billing system ( they admitted this in XXXX ) and Paragon 's billing system. XXXX removed this debt twice ; XXXX and last year as there is no way to formally pay what I do n't owe due to their error. I 'm extremely frustrated that it has continued to ruin my credit.And I have no means to correct it. You 're basically my last hope. Any questions? call me or write. Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that your offices provide me with competent evidence that I have any legal obligation to pay these alleged debts. 
Please Be advised this is not a refusal to pay, but a notice that these claims are disputed and VALIDATION is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 



1. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 2. XXXX XXXX XXXX XXXX Unsecured loan with account # XXXX 3. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 4. XXXX Credit Card with account # XXXX 5. XXXX Credit Card with account # XXXX 6. XXXX XXXX XXXX  XXXX Auto Loan with account # XXXX 7. XXXX Charge Card with account # XXXX 8. XXXX XXXX XXXX - with account # XXXX 9. XXXX / XXXX  XXXX  with account # XXXX
Product: Debt collection

I received a wage garnishment notice, but this was the first I had heard about it. The company had my wrong address the whole time. I contacted them to stop the garnishment and set up payments once I found out what was going on and they refused to work with me, even though they had the wrong address the whole time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Note ; I have and hold many, many years of paperwork to back up all the information I am sharing with you. 

I purchased a XXXX when I was younger in XXXX. With that purchase I obtained a home improvement loan. Wanted to upgrade the condo and then when I sold it, could possibly make a profit. 

When I purchased the condo it was at that time, the crazy XXXX XXXX loans going around that I unknowingly signed onto. It was my first time, single, being a homeowner. As XXXX XXXX did with so many people it defaulted my loan and forced, I will repeat forced me to file bankruptcy on that loan, even though I had worked out a short sale with a real estate agent. They did not and would not accept that, hence, me filing bankruptcy and having bad credit for 7 years. I survived and moved on. Never banking with Wells Fargo again. 

XXXX, I am going to start my own business. I check in with my bank that I have been banking with XXXX XXXX XXXX XXXX. They turned me down for a business credit card because I had negative information on my credit. I looked into it and found that Wells Fargo re-entered my home improvement loan onto my account for not paying 20 years ago. When they forced me to file for bankruptcy they should have taken the loan contingent with the property off with it. Or included the loan on the 7 year negative credit. By Wells Fargo reintroducing this negative information on my credit again, and it will be there for another 7 years, it will impede on new business, it will force me to pay higher interest rates. This is a perfect example of the large corporations attacking, harassing and nickel and diming regular taxpayers. We all know that if I were a rich person or a well known politician this would not be happening. 

I did submit several investigative disputes. I also contacted and talked with XXXX individuals at Wells Fargo that work in the Complaints Office, that is a Exec. Office Case Specialist ( have the paperwork, letter from this dept. and contact ) in XXXX, and was told that the information should not be on my credit. Then later received another letter XXXX, from a different person in the same dept. and was informed that they could not change the negative information that they entered. I have the paperwork and contact if needed. 

There are more avenues to this issue, but, the afore mentioned is basically the core of the issue. I would like to start a business. This is a Designing business, and it will help my community. I am being altered from this due to the miss handling of my credit records from so long ago. XXXX, would it be possible for you to assist me with this issue. I believe it could probably be easily resolved if you and your excellent team take a look into why they will not address this matter. 

I look forward to hearing from you.
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXX MasterCard issued through Barclays Bank on, or about, XX/XX/2018. I received a letter dated XX/XX/2018 from Barclays Bank requesting additional information ( Copies of Social Security Card, Driver 's License, and a Utility Bill in my name ) which I sent to them on XX/XX/2018. The letter from Barclays did not include any phone number that I could use to contact them. I heard nothing from them until about 2 0r 3 weeks ago, when they sent an identical letter to the first one requesting the same information I had already sent. The letter still did not contain any phone numbers for contact purposes. To date I have heard nothing more from Barclays. Today ( XX/XX/2018 ) i have tried to call Barclays from a phone I got from the Barclays internet site. They transferred me three times and no-one could help me. I have tried the phone numbers they gave me and they specifically state they have no information on application status 's of any account. My Application number is XXXX and I would like to know why they have not issued a card and why they have not contacted me if they intend not to issue a card. I think failure to notify me of why they denied credit is a violation of law ( if they have  denied me ). My FICO score is over 800.
Product: Student loan

Navient called my former roommates parents today looking for me. I have not lived with this person in five years and we did not go to the same college together. I never lived at her parents residence.