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

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXXXXXX XXXX  Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Your format does not work for me. I have an XXXX  ( XXXX XXXX XXXX ) against my ex-roommate. He has been living with me paying no rent, not working and studying conspiracy theories on the web and XXXX. He has some hacking skills. He is XXXX XXXX and a XXXX. He had been trying proove to he was right about the XXXX and being able to pay bills with just the payment coupon from ones XXXX XXXX  that is set up at ones birth. He managed to convince XXXX companies that he had paid the account in full. They believed him for a few days they did an investigation and decided he was delusional about the payment as they could find it. XXXX immediately ran both of those cards balance back up to max. The credit card companies added back the original balance. So both XXXX XXXX XXXX and XXXX were now doubles and over my limit by thousands. He attempted this with all my cards and bills. He also claimed that there was fraud on my mortgage paperwork and I will get my house for free. I admittedly told him he was wrong. The n he gets very angry, XXXX XXXX XXXX XXXX XXXX. And some times he XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of his threats was that he was going to take my house and put me on the street. Well with my XXXX  he is on the street. I was researching the history of my property and found he somehow had added his name on the site XXXX XXXX  times. I voiced my concerns to the website made a FBI report, but further research stated reporting to the FTC, you XXXX  a police report. He has been telling friends and acquaintances that he owns the and is taking it from me. XXXX XXXX also has been talking about taking his dad 's ( XXXX XXXX XXXX ) house in XXXX, MN and putting him out on the street as well. XXXX had already had his name put on his dad 's property tax statement. He attempted Togo back to court to have my XXXX  removed, b you t he filed a motion instead of an appeal. I have become insolvent through all this and have enlisted XXXX XXXX XXXX to help me get back on track. Also during this time my debit card had been having fraud on it. My Credit Union ( XXXX XXXX XXXX ) shut down my debit card and will not issue me another new XXXX or even a plain ATM card. XXXX XXXX ( no middle name born XX/XX/76 ) is reportedly living in a storage locker in XXXX XXXX. I continually monitor what I can of my accounts. XXXX would go through all my stuff and paperwork when I was at work or out of town. My mortgage is currently held and serviced by US Bank they have been very understanding and helpful. I have no proof that XXXX is responsible for my debit card fraud. Others around me are convinced that he is.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed.

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Student loan

I aaked got assistance many times, including forbearance. Many times i was told i would be sent out the proper paperwork to fill out so i can receive the forebearance. The paperwork never came. When i would call again a few weeks later they would say that there was no notice on my loans about forebeaeance, or that the agent never sent my paperwork. This cycle happened many times. On separate occasions
Product: Checking or savings account

Upon checking my account on XX/XX/2015 I see unauthorized transactions for XXXX {$510.00} on my account I disputed the transaction and they denied my claim within in two days its takes more than two days to investigate a dispute claim I feel like their not investigating my claims.
Product: Checking or savings account

On Friday, XX/XX/XXXX my debit card was stolen at the gas station, which I was unaware about. {$2800.00} was withdrawn from my checking account in multiple transactions from several different ATMs during the following several days. Upon my notice of the missing card on Monday, XX/XX/XXXX, I called Bank of America, stopped my debit card and opened the claim number XXXX with regards of unauthorized transactions and missing funds. No temporary credit was issued to my account, although I was assured that the company would investigate my claim. Within several weeks I attempted to call and speak with multiple representatives, with the reassurance from some of them that I would definitely get my money back, in 10 days, in two days, on Friday. I never got ANY money back and on XX/XX/XXXX I received the letter which stated : Weve completed our review of this claim and have determined that no error has occurred. Based on this information, were unable to credit your account and now consider this disputed transaction closed. 
It seems, that there is no recourse left from my side with Bank of America to protect my consumer rights and get compensated for the funds lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account that they claim was sent to them for XXXX. The verification they sent me shows a final bill in XXXX. This bill is beyond the statue of limitations to be collected on and should not be reporting to my credit report anymore. I have filed a claim with FTC and have sought legal help. Credit reporting agency also has not sought proper verification for this dispute.
Product: Mortgage

I received mortgage assistance from the State of Arizona through the Hardest Hit Fund program. As a result of this assistance my mortgage was brought current. However, through errors in application of the assistance payment by the servicer at the time XXXX XXXX XXXX XXXX the loan does not reflect as being current. I attempted to resolve this with XXXX XXXX but the loan was transferred to XXXX XXXX company and now it has been transferred to Shellpoint Mortgage Servicing. Yet after to CFPB complaints and a lot of time and effort this is still unresolved. Mortgage still shows as past due when it should be current.
Product: Mortgage

I received a variety of quotes from reverse mortgage vendors and originally Global Equity provided one of the better quotes. However ; during the process of gathering information one of the vendors offered a XXXX cost loan. Global Equity offered to match and I decided to stay with them. When I received the final  paperwork the XXXX cost loan offer had been retracted and I signed the paperwork under protest. See letter sent to Global Equity in XXXX of 2018 and email received from Global Equity offering XXXX cost loan. 

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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXXBalance : {$4100.00} XXXX XXXXBalance : {$3400.00}
Product: Student loan

I borrowed XXXX from Sallie Mae in XXXX. 

XXXX I filled for XXXX XXXX bankruptcy and listed Sallie Mae as a creditor. I made it clear that this lender was a priority due to the high XXXX interest rate. 

XXXX of XXXX I sold my home to pay all off all of my debts in full through the bankruptcy. 

XX/XX/XXXX I received a loan statement from Sallie Mae sent a statement that stated I owed them XXXX and that my XXXX payment was due on XX/XX/XXXX. 

When I asked my attorney what happened he said Sallie Mae did not file a claim, effectively taking them out of the bankruptcy and all the laws designed to protect a consumer. Their failure to file a claim removed thems from any payments from the trustees that would have reduced and ultimately repaid the loan in full. 

This is a predatory lending practice so a lender can continue to accrue interest on a loan and force the borrower to pay a much higher loan after bankruptcy. In this case nearly double the amount borrowed. 

None of this was disclosed to me by my attorney or Sallie Mae before or during the bankruptcy proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened betweenXX/XX/2006 and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save XXXX and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )
Product: Debt collection

Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day.
Product: Credit reporting or other personal consumer reports

Hello. 

Since XXXX, I have been sending letters to Experian, XXXX, and XXXX XXXX asking them to remove some incorrect information from my credit report. I disputed fake names of XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also disputed addresses that never belonged to me of XXXX XXXX XXXX, and XXXX XXXX XXXX. I then disputed other accounts which I knew were past the statute of limitations. 

Since then, I have only ever received notices from XXXX XXXX with investigation results and all the deletions I have requested. I have received nothing but crickets from Experian and XXXX... 

After some research as to how I should proceed with companies that do not respond, I come across articles that say your agency just happened to sue both XXXX and Experian this month with conducting sham investigations or failing to investigate properly for two years! Apparently, they have been doing this to not only me, but to many others as well. Thank XXXX for the C.F.P.B. I say! 

Please help me to get Experian and XXXX to remove these names which aren't me and addresses which also are not mine from my report. People shouldn't have to resort to lawsuits to get simple issues like this resolved. It's obvious I can't be me as well as XXXX, XXXX, and XXXX. I also shouldn't have to dispute things over and over and over without a response. I only wish you would have punished them for more than XXXX XXXX apiece. These are conglomerates and should have to feel the suffering and pain us people feel when lies and misinformation are spread about them and the company in charge of keeping accurate records doesn't care about fixing them.
Product: Debt collection

Called discover bank collection line on XXXX around XXXX XXXX XXXX. The agent used collection practices that are against regulation. Stated the card would be assigned to attorneys. Spoke regarding credit bureau score being affected. I believe this to be harassing and threatening.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

Bank of America Home Loan has been taking unauthorized money out of my Home Equity Loan account # XXXX. I had opened a case with CFPB # XXXX which resulted in BofA correcting my account which reached a good state on XX/XX/2020 and now the unauthorized process of taking money out of my account has started again. I have neither taken this money our nor authorized it and as of today my balance is XXXX instead of XXXX. Customer service is not reachable and my emails haven't produced results. I really don't know if this is fraud or pure incompetence at the bank. I need help correcting this. It should be illegal for BofA to take money out of my account unauthorized and they should have consequences.
Product: Credit reporting

Back in 2015 I noticed a fraudulent account on my TransUnion Credit Report under the name Credit Recovery I contacted TransUnion, and explained I was a victim of fraud, and in fact the account with Credit Recovery was fraudulent. The Representatives at TransUnion requested that I file a police report, and submit an ID Theft Affidavit along with my Identification. I went down to my local police station and filed a police report for the fraud account with Credit Recovery. I then mailed the police report, along with my ID Theft Affidavit, and all the documents that was requested to TransUnion. Approximately two weeks later I receive a letter back from Trans Union saying they were declining to block the accounts. I contacted Trans Union immediately, and tried to get a clear understanding as to the reason they refused to remove these fraudulent accounts from my credit bureau report. No one could provide me with a clear answer. A year later and still no resolve, I just got off the phone with TransUnion who are now saying they can not find my original police report, so they may or may not be able to dispute the items again. I 've done everything that TransUnion has requested and still there is NO resolve. Please help!!!!
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 : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  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: Mortgage

In XXXX was told when I talked to a representative this reverse mortgage was a program set up by the government for XXXX XXXX. For me, was advised it would act just like a savings account, if I needed money for an emergency, I could draw money from the amount my house was appraised at. At time of my death or moving out of house, my family would have the option to pay back the amount I withdrew or if was a large amount, turn the house over to them. All this was done over the phone and each and every time I talked with them, was the same, it would be an escrow account, or savings account. Being a widow, I thought this would be good for me as I didn't have much savings. In reading now online about reverse mortgages, says before a mortgage could be given, a counselor was to speak to the person and everything explained in detail. I never had that, and in fact each person that I talked to was more and more convincing how great it was, and their parents had it and was so satisfied and they knew I would be too. Never once did anyone say you are knowingly taking out a loan in the amount of the appraisal of your home, in which you will be responsible paying back plus interest even if you don't withdraw any funds. After receiving a few statements, I kept seeing all these charges and interest so called them to get information what it was all about. And each time was of that doesn't apply to you as you have an escrow account. And each time it was a different reason, even that I would be earning interest enough that could pay my property taxes each year. But no explanation how that worked. 
Was just a month ago when finally a man at the office rudely asked if I hadn't read the papers I had signed and I told him each paragraph was told, that didn't involve me as I was only doing an escrow account. I am just sick as now I have to tell my son he will have to pay this so called loan to keep the house. 
This is definitely a fraudulaunt business, and I was definitely misinformed from day one. I need to find a way out of this, I don't know what to do, I need help. 
The company is : Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, Mi XXXX. Phone XXXX. The original company was XXXX XXXX, Reverse Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, Ok XXXX I was definitely sold a scam, and how many other seniors are having the same problem.
Product: Debt collection

I was receiving calls from  XXXX  of a debt in  XXXX . I informed them that the debt is invalid. It was a charge to my cell phones. We went back and forth by phone and mail for sometime. Finally I realized they did not believe me. So I sent a dispute document attention to manager in   XXXX   XXXX   XXXX  . I was a customer of theirs for many years without a missed payment. The bill was false. I told them by phone if they did not correct the mistake I would file a complaint. They assured me it would be corrected. Due to the mistake and harassing phone calls I left their service. Years later I received a bill from  Midland Credit Management,  inc saying that the debt was still valid. I notified them of the situation and we went back and forth by mail. Ive sent Certified mail to them also disputing the debt. Ive disputed it from day  1 . I am now disputing the bill with  Midland Credit Management, inc  .  Ive sent letters disputing the debt and requested any signed documentation. They are yet to send me any signed documentation from them or  XXXX . Last dispute letter sent to  Midland Credit Management , Inc.    XXXX   XXXX   Certified mail.
Product: Debt collection

Hello, I have been sent to a debt collector by CITIZENS BANK ( CB ) regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I amXXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to CB to close my debt and that the equipment was returned. I have contact CB multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with CB has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with CB and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the CB rep that my account was closed and that I shouldn't owe any money, I then informed the CB rep that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from XXXX XXXX XXXX XXXX XXXX that I owe {$1600.00}. 
Please assist me in this and let me know what else you need from me. 

Thank you very much V/R XXXX XXXX XXXX