23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr Cooper is my mortgage holder. I was in forebarance which was slated to end as of XX/XX/2021. I applied to have my account brought out of forebareance and up to date in XXXX. The option they offered me in mid XXXX of a partial claim was not acceptable to me as this would not lower my payment and I am still struggling. Therefore, I denied the partial claim and asked for Post Pandemic Covid Modification which would be a parital claim and reevaluation of the loan thus making the payment lower and interest rate lower. I called a few weeks later to check the status of my request and was told it was successful and to expect to resume payments as of XX/XX/XXXX with a reduced monthly payment from {$2600.00} down to {$2400.00} as well as a reduced interest rate. I was comfortable with this and asked that the paperwork be sent. After waiting an adiditonal 2 weeks, without ant paperowork, I called again and was told that now they anticipated my loan to restart on XX/XX/XXXX ( Not XX/XX/XXXX ) and that my rate was going up and my payment would be {$2500.00} as opposed to {$2400.00}, which is still a reduction but because I am delayed an additional month the negative balance from that extra month as well as escrow got added on and the rates have changed. The bottom line is they are moving the goal post while refusing to send the prpoper paperwork to exit Forebarance. I have seen and read reviews where similar tactics were used in an effort for them to maintain the original payment and rate and therefore change nothing for the customer. I stress that I can not afford to make a {$2600.00} per month payment which is why I asked for the Covid Modification in the first place. If this continues and I have to wait until XX/XX/XXXX to make payments, we will be right back to that payment per month and than some. This predatory behavior is despicable and should be addressed immediately!!! Especially since I am trying to be a stand up person and repay my loan which they are not allowing me to do until it benefits them! I.e If my payments were reduced by {$200.00} they would be loosing money on me and so have now delayed the process on purpose which has now raised my payments and rate which is totally illegal! Please someone help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Equifax. checking my file ive noticed alot invalid data that is stopping me from approvals. all credit reports are not XXXX XXXX accurate. please update all listed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( XXXX Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


XXXX. XXXX - WFBNA CARD Date opened XX/XX/XXXX WFBNA CARD XXXX. XXXX - XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit card

I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Product: Bank account or service

On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and lost millions of personal data, mine included. The fact this company can have such critical information stored without being properly secured has put me at risk for identify theft. The offer of 1 year credit monitoring is inadequate because my identify may be stolen 5-20 years from now. The company should be offering lifetime credit freeze/monitoring to the people affected. 

Further, Equifax allows you to freeze your credit for 90 days but that can be unfrozen with a PIN which can be reset with the same information that was already stolen. 

Finally, the failure to notify customers in a timely matter that the company was hacked put me at risk without my knowledge.
Product: Debt collection

I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. SCA collections is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to dispute several issues on my credit reports like reporting accounts that are negative that are older then XXXX XXXX XXXX that have negative items on it from a bankruptcy from XXXX I also saw that just recently my transunion credit report dropped over almost XXXX points in between XXXX and XXXX as I get my free score through some of my card holders and I have not had any negative items no collections no judgements no nothing but ever since I started asking Transunion to look under my credit report as XXXX XXXX  had reported false information on me well even though it doesnt show on transunion however on transunion my credit score just dropped over almost XXXX points in between XXXX and XXXX and I have no idea why or how this is possible I want it corrected immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS finding indicate that Zelle has not only neglected to properly protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Consumer Loan

I spoke with a Chase Auto employee named XXXX ID number XXXX. She advised me my vehicle up for possible repossession if the late fees are not paid. I asked her how it that possible she said the company has a right to pick vehicle up since it 's past due.
Product: Credit card or prepaid card

I have had this Rapid Rewards account for some time, and pay it off every month. In the past I have made multiple payments, with the intent to avoid finance charges and pay the balance in full by the billing closing date. 

The last payment of {$3700.00} made on XX/XX/2023 was to XXXX  out the account balance. 

When I contacted Customer Service, I was informed the full balance needed to paid by the due date. This is not how I have been managing my account before with paying the full balance by the closing date to avoid the finance charges. I requested a courtesy adjustment of the {$210.00} and acknowledged I would pay the balance off by the due date going forward, but was declined. 

As you can see by my account history, I have only carried a balance forward maybe 1-2 months, and found this service unacceptable, especially when I pay for this card. If this is not resolved in my satisfaction- I will use my other credit card that offers better service and perks.
Product: Debt collection

I tried to dispute and resolve the debt with mcm in XX/XX/2017 but till now no one called me to resolve and no notification received
Product: Student loan

I am a class member of the XXXXXXXX XXXX XXXXXXXX settlement. My student loans are in process of being discharged. Under the settlement agreement class members are to remain in Administrative Forbearance till the loans are discharged. 

DOE has sent me emails and letters to Mohela on at least 2 occasions to keep me, as well as other class members, on admin forbearance. Mohela now going on the third time has removed and put me into repayment. They in fact put me into repayment again on XX/XX/XXXX with a due date of XX/XX/XXXX. Not only is this a violation of the settlement, but servicers are required to provide 21 days to even bill- which this in violation of on both accounts. 

Ok all occasions Ive had to call Mohela and talk to customer service who lack all knowledge and state DOE sent letter to take me off. Never have they provided me this letter, and when I reach out to DOE they state thats not true and Im to remain on forebearance till discharge - DOE have sent 2 letters to Mohela stating to put me back in. Im tired of fighting with these idiots at this point. 

Mohela had done this to others in the lawsuit as well. Mohela had already been fined {$7.00} million for improperly billing and also putting people in repayment that should not be. They are again doing the same thing. 

At this point, if not resolved for me, and other class members, we will seek a class action lawsuit against Mohela and DOE in violation of XXXX XXXX XXXXXXXX settlement- I suggest Mohela out me into Admin Forbearance immediately before it costs a lot of money to your company for violation of a federal class action lawsuit. 

If this isnt rectified I will contact an attorney and led a class action against Mohela for violations of a settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in Violations of several laws of the FCRA Company has received notarized copy of my FTC Report and has not responded to my disputes since XXXX they have signed for dispute and that is attached as well. 

This is an invasion of privacy 15 usc 1692 ( a ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies FDCPA 15 U.S. Code 1692e.False or misleading representations AND REINSERTING DELTED ITEMS ON MY REPORT 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted experian, XXXX and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX  ( opened XX/XX/XXXX ), Swiss colony ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Product: Checking or savings account

I was a victim of identity theft and a fraudulent business checking account was opened in my name at Chase Bank. Ive contacted Chase to no avail because the account still has not been closed. I had to freeze my credit, file a police report, go to the branch office, and have talked to numerous Chase representatives since XX/XX/XXXX. However, as of XX/XX/XXXX I am still receiving bank statements for a fraudulent account. Chase informs me there is nothing I can do to have this account closed and taken out of my name although it is a fraudulent account.
Product: Student loan

I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed an error regarding a debit account with the balance and other details reported incorrectly. Below are the details of the account : Account Name : XXXX Reported Balance : $ XXXX {$1300.00} Correct Balance : {$270.00}
Product: Mortgage

My mother passed away 8 months ago today I called the bank XXXX/PHH to get the payoff I faxed the documents the bank gave me a extension on the forbearance it's due next month they changed the locks I have called many times I have emailed all the documents they are not even trying to get the paperwork in order I am the executor I am so sick from all of this please tell me what I need to do
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my free annual credit report.  After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Product: Credit reporting or other personal consumer reports

Names Reprted : XXXX XXXX XXXX you please take this off my credit report my name is incorrect. My name is reported incorrectly. 

And XXXX XXXX XXXX is reported twice. 
Can you remove one of the XXXX XXXX XXXX?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in Experian and XXXX XXXX Date of Last Activity : XX/XX/XXXXXXXX  ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by XXXX XXXX Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in XXXX XXXX XXXX XXXX Missing in Equifax Reported Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX on XXXX XXXX Experian and XXXX XXXX 
Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported.

15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires a thorough reinvestigation of disputed information.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

Evidence of Error : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate. 
Request for Action : Reinvestigate the inaccurate late payment entries for this account.

Provide a detailed description of the investigation process, including verification procedures.

If you are unable to verify the late payments, update the account to reflect " Paid As Agreed Never Late. '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications.

Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act.

Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept EDUCATION XXXX US dept EDUCATION XXXX us DEPT EDUCATION XXXX  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. 15U.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.