23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Formal Complaint Against XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX, my mortgage servicer. I have encountered issues with their handling of my loan and believe they have violated my rights as a borrower. Below are the details of my complaint : Loan Account Information : Nature of the Complaint : 1. Failure to Communicate : I have made multiple attempts to contact XXXX regarding my foreclosure concerns and sell of my house today. Despite my efforts, I have not received timely responses or adequate assistance. 
2. Improper Handling of Loan Modification : 3. Foreclosure Process Issues : Failure to notify me of Sale. 


Please confirm receipt of this complaint and advise me of any further steps I should take. I would appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address inaccurate and unverifiable late payment entries reported on my credit report by several companies, including XXXX  XXXX, XXXX XXXX XXXX XXXX, TN XXXX XXXX, and XXXX XXXX. Despite my efforts to dispute these entries directly with the credit bureau, Experian, they have not been corrected or removed. 

Specifically, the credit report lists the following disputed entries : XXXX XXXX - Account Number : XXXX Reported late payments : XX/XX/XXXX ( 30 days late ), XXXX through XX/XX/XXXX ( 30 to 150 days late ) XXXX XXXX XXXX XXXX - Account Number : XXXX Reported late payment : XX/XX/XXXX ( 30 days late ) TN XXXX XXXX - Account Number : XXXX Reported late payment : XX/XX/XXXX ( 120 days late ) XXXX XXXX - Account Number : XXXX Reported late payments : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) I believe these entries are inaccurate and/or unverifiable. I have formally requested a reinvestigation with Experian, asking them to provide evidence and verification from the original creditors. Additionally, I requested the " method of verification '' to confirm these entries comply with FCRA guidelines. To date, Experian has not provided sufficient documentation to substantiate these entries or address my concerns.
Product: Credit card or prepaid card

Received a letter stating I requested to be considered for a Venmo Visa Credit Card account on XX/XX/2022. We regret we are unable to approve request for the following reason : We were unable to verify your identity. '' Reference : XXXX. 

I NEVER applied for a Venmo Visa Credit card. I am notifying the company of this fraudulent action. The inquiry from PAYPAL via SYNCBVENMO was listed under Account Review Inquiries on my XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to get a signed affidavit to file a police report and no one could help
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit card or prepaid card

There was a charge on my card I did not make, I called and disputed it immediately, and they replaced the card and eventually it was taken off and I received a letter to call and speak with someone about it, I tried calling multiple times over and over and all I could do was leave this person a message and never received a call back from him, then just like that they put the charge back on my card, I immediately locked the card, I have not used it at all since the fraud happened it has been in a safe locked up, I called again and the lady I spook with said I would be responsible for the charge I did not make and would have to pay it. I told her to deactivate my card and cancel the account with no avail, it still did not happen. This company will not help you at all with fraud or cancelling an account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my Equifax credit report. On XX/XX/XXXX, I initiated contact with Equifax to address the following discrepancies on my credit report. However, to date, I have not received a response from Equifax. Please find below the details of the inaccurate information and the necessary corrections : XXXX XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : I dispute the reported Balance of {$1500.00}, as I recall the amount being lower. 
Request the removal of the Past Due amount, as this account is closed and charged-off. 
Request that Equifax mark this account as disputed to prevent any further negative impact on my credit score. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$7500.00} ) : The reported Balance of {$7500.00} is inconsistent with my recollection. 
Request a revision of the Past Due information, as it is inaccurate for a closed and charged-off account. 
Request that Equifax mark this account as disputed to safeguard my credit score. 

XXXX XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) : The reported Balance of {$1500.00} appears higher than my recollection. 
Since this account is listed as closed, the Past Due amount should not be reported. 
Request Equifax to mark this account as disputed while I address this matter with the creditor. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) : I am uncertain about the reported Balance of {$2100.00}, as it does not align with my records. 
Given that this account is closed and charged-off, the Past Due amount should not be included. 
Request Equifax to mark this account as disputed to prevent further adverse effects on my credit score. 
Additionally, request verification of Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting

I contacted all XXXX credit bureaus, by way of certified mail on XXXX/XXXX/16, asking them to remove public information which IS NOT reported directly to them, but that they are receiving through a third party. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax has found information on previously stated Tax Lien 's through third party research. 

I 've asked that they please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

XXXX was the only bureau to delete the information. Equifax and XXXX sent letters in return, but failed to provide the information I requested. 

I am requesting help on this, as this reporting is hurting my financial ability to borrow/puchase, and my good standing with institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : needs to fix the issues about the inaccurate information for the personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the personal informations that I am disputing : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into Bankruptcy court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record of XXXX XXXX XXXX on my report. I was informed to inquiry with XXXX and XXXX. Also I checked with Trans Union and they informed that public record information comes from XXXX. I then contacted XXXX and was told that Trans Union does the reporting of public records ie BK 's not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the Bankruptcy Cases I want to be removed, it is not a reflection of my character. I want XXXX, Trans Union and XXXX to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed Capital One many many times regarding one of my accounts that became a Charge Off in XX/XX/XXXX and was paid in XX/XX/XXXX. My emails were sent on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have only heard from them maybe XXXX or 4 times. The people I spoke with were not the ones I sent my emails too. My matter was passed down to the least priority and not properly handled. I was given the roundabout standard responses and they were just trying to get me off the phone and not to worry about me. I've been a member of Cap one since XXXX and have 2 open accounts with them. Which I've been on top of them like no other. Making full monthly payments on most months. It feels like I am just a number to them and just another account that they see money coming from instead of the actual person I am.

I have been reaching out to them 18 times since XX/XX/XXXX and still dealing with this matter. It causes me physical and mental issues having this matter still hang above my head.
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX TransUnion refused to add a credit freeze/ lock on my credit profile. Cause identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax has reinserted continuously, without notifying five days after the finding of new information. Equifax has been using the " XXXX XXXX '' readily. Asking for identification ect when all information with every dispute/complaint, they were given. Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX, JPMorgan Chase, XXXX XXXX XXXX, and XXXX XXXX XXXX for placing unauthorized hard inquiries on my credit report. These inquiries appeared on my XXXX, XXXX, & XXXX credit reports on XX/XX/2023, XX/XX/2023, & XX/XX/2023 & has negatively impacted my credit score. 

The XXXX XXXX XXXX inquiry appeared on XX/XX/2023. The JPMorgan Chase inquiry appeared on XX/XX/2023. The XXXX XXXX XXXX inquiry appeared on XX/XX/2023, & I have never been affiliated with this company. The XXXX XXXX XXXX appeared on XX/XX/2023 & I have never been affiliated with this company. 

I did not authorize these inquiries with XXXX XXXX XXXX, JPMorgan Chase, or XXXX XXXX XXXX that would justify such an action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit report may only be accessed for permissible purposes. As far as I am aware, Discover Financial Service, JPMorgan Chase, XXXX XXXX XXXX, or XXXX XXXX XXXX did not have any legal basis to access my credit report, and therefore, this inquiry was made without a permissible purpose.
Product: Debt collection

For the past few months, they have been calling my work, and personal phone # 's and leaving threatening messages, all of which I still have on my voicemail. They have said that they will serve me with papers if I do n't return their call within a certain amount of time. I have never spoke to them, as I know they are a fraudulent company. They call from a spoof # locally, however they leave several different numbers to call them back on. ( XXXX, etc area codes ). I just want them to stop contacting me completely, especially at work. I have sent them a cease and desist letter via the XXXX in New York. Within the letter, I demanded they stop contacting me and to send proof of this " so-called '' debt in writing to my home address via usps. They have not responded, as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX.
Product: Credit card or prepaid card

I have a credit card account with Chase bank. I received a letter this month that they were dropping my credit line by {$3300.00} due to a number of factors. This would push utilization from 70 % to 97 %. I was shocked, I have had this card for XXXX years. I have had zero late payments, except last month, when I got sick and paid 4 days late. My bill was due on the XXXX and I paid it on the XXXX. 

I called to dispute this and they explained that due to that late payment and because I had high utilization on other cards they had decided to reduce my credit line by {$3300.00}. I requested that they reverse this, explained that I had only made one late payment which they reversed, that according to them I had XXXX credit score ( it was in the letter ) and pointed out that because of this now I had gone from a utilization of 70 % on this card to 97 % that this would adversely effect me. They refused to reverse this change, and said I could reapply for the credit but they would be required to do a hard pull of my credit... When I suggested that it might be because of my XXXX name they became upset and said they would have to transfer my call as they couldn't handle me " playing the race card '', but it is hard to believe that most people would be treated this way for one late payment of 4 days.
Product: Checking or savings account

On XX/XX/XXXX, while at home, I noticed two transactions on my Truist Banking App. The transactions were from XXXX. The transactions occurred on XXXX, but Truist told be I would have to wait until the transactions cleared, which occurred on XX/XX/XXXX. There were two transactions, One transaction for {$1600.00} and another for {$800.00}, for a total of {$2400.00}. The transactions occurred at a XXXX XXXX XXXX XXXX FL. On XX/XX/XXXX Truist credited my account in the amount of {$2400.00}, again in two transactions identical to the original. On XX/XX/XXXX I got a letter in the mail from the Fraud Dept of Truist stating that on XX/XX/XXXX, they would deduct the total amount back. I called and spoke with XXXX in the Fraud dept of Truist, who advised me to go back to the bank, and call her when i arrived, and she spoke with the banker. Some forms needed to be filled out. The banker filled out the forms, i signed them and was assured everything would be taken care of. The funds were taken from my account on XXXX On XXXX a police report was provided to XXXX at the XXXX XXXX XXXX. On XX/XX/XXXX i provided a formal letter, requested by the banker, detailing the transactions and that they were indeed fraudulent. Between XXXX and XXXX, I often frequented the bank to inquire about the dispute. I was told I had to wait. XXXX i contacted the fraud department again, and was told my claim would be resubmitted, as the first one was denied. On XX/XX/XXXX I called Truist Fraud Dept. and was told my claim was denied a second time, and that there was nothing else they could do for me. I called XXXX 's Corporate offices and was told that the transactions that occurred were done from an email address that I have never owned. The store # of the XXXX 's that the transactions occurred at was # XXXX in XXXX, FL. I was not in XXXX, FL when the transactions occurred.
Product: Debt collection

Dated XX/XX/2023 at the amount of {$980.00} by creditor name XXXX XXXX was posted on my credit report by someone other than myself and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I seen some inquiries that I do not recognize from XXXX on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to XXXX. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.
Product: Credit reporting or other personal consumer reports

This is my second requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Charging more. Letting me swipe card then charging everytime
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX terminated our tenancy and they gave us documentation that the ( double the rent amount as security deposit ) security deposit would be awarded to us as compensation to help facilitate our move. They agreed that we had paid our rent on time, we had never been late on the rent and that we are great tenants. 
XXXX. Recently I applied for a rental property and this ( XXXX ) appears on my credit report as a debt, when in actuality it is our refund that we should have received within 21 days. When I contacted the company, they were abrupt and dismissive, and that they had done all they were going to do for me. 
XXXX. This inaccuracy is causing mental and physical health concerns for my family, as this refund was crucial to our success in securing another property and to facilitate our move. ( at their request, to terminate our tenancy abruptly ). 
XXXX. The erroneous debt is creating a financial hardship for us, and is causing emotional harm as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit inquiry from XXXX XXXX on my report in XX/XX/XXXX. I called XXXX and after long holds and multiple calls, they confirmed a fradulent account was opened in my name and that they will escalate and remove the inquiry. 
The inquiry was still there in XX/XX/XXXX. I filed a dispute with XXXX - Confirmation Number : XXXX - they closed the dispute in less than 2 business days and said I need to resolve with XXXX. I did a conference call with XXXX and Equifax where XXXX said that the first credit inquiry removal was 'not done properly ' and they would submit again and it will be gone in 30 days or less. Equifax was on the line but said although the removal request was sent electronically, they could not confirm receipt. This conference call was on XX/XX/XXXX. The inquiry is still on my report as of XX/XX/XXXX so I submitted another Equifax inquiry -Confirmation Number : XXXX. They again closed on XX/XX/XXXX and said XXXX has to remove the inquiry. I am fed up with this and can not spend another hour on the phone trying to get XXXX and Equifax to fix this.