23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XXXX XXXX, XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XXXX of XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all XXXX credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only one mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than one mortgage. The Lender also failed to do the following in order to perform the correct research regarding the false information they are stating are on her credit report. 1. Supplemental Credit Report and 2. The XXXX a repository of information that enables underwriters to find all sorts of information related to the borrowers. 
We feel that SunTrust did not respond to our above addressed concerns and are requesting that re-review to be submitted
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX there should be no other names or addresses listed on my consumer report. I have provided my identification to XXXX XXXX XXXX on several occasions and they have not updated my report.
Product: Student loan

My student loans were forgiven on XX/XX/2023. As stated on the attached documents I paid the qualifying XXXX payments over and I am to be refunded the overpayment I made on these accounts. I contacted Mohela and they stated they mailed two refund payments to me in the amount of XXXX and another in the amount XXXX. I informed Mohela that I did not receive any refund payments. Mohela stated that they sent the checks to an address that I did not have on file. The address I have on file is listed on all documents I have uploaded, this address was also on file with the Department of Education. They agreed to put a stop payment on the checks and reissue. I still have not received any payments. Each time I have called to check on the status, I have been told conflicting information. I was told there was no stop payment placed first, then I was told it had been mailed out and would arrive which it did not. Then I was told there is a delay with disbursements of refunds due to the Department of Education and that the Department of Education is responsible for refund issuance and they can not get any information from them on the status. I have made multiple calls to this office and asked for a supervisor was transferred to non-supervisory staff anyway. I have been placed on hold multiple times for over an hour. When I ask for email correspondence XXXX am refused, they will not submit any information to you in writing.
Product: Debt collection

I live in Missouri. XXXX XXXX XXXX have contacted me, they know my phone number and address and XXXX XXXX XXXX recently contacted an ex-brother-in-law living in Florida. He knew it was a debt collector and reported that the lady, XXXX, was rude. She also contacted the ex-brother-in-law on his cell phone, so I have no idea how she got that number. I have spoken with XXXX XXXX XXXX, they have contacted me while I am working and I have told them I would call them back when I wasn't at work. As I said, they have contact information for me so there is no reason they should be looking up possible relatives, or random people with the same last name as me.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX, XXXX XXXX XXXX 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, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When the debt first appeared on my credit report it was for XXXX XXXX XXXX orginal collection date was XX/XX/2016 balance was XXXX. I substituted a dispute letter for this debt in XXXX of 2016 with all 3 credit bureaus and it was removed. I had noticed it back on my report with a different collection agency XXXX XXXX with a new balance and a new original collection date. I then called the credit bureaus and informed them that this is not my debt and also of the change of collection date as well I was told it was going to be removed due to that matter and it's still there. I gave them the file number of the first dispute letter so they could see that the dates were changed the guy verified it was and assured it would be handled when speaking with XXXX and the same assurance when speaking with transunion. I explained how this affects one credit and they spoke as if the understood but apparently lied. I have sent out another set of letters concerning a inquiry from XXXX XXXX XXXX, and XXXX  and they have yet removed them from my report. I have asked to remove willow trace with the copy of the letter that was sent once I paid the debt that is was to be removed from my credit as well. I have not yet received correspondence from any parties yet that it will be remove. I'm completely over writing these letters and calling at this point and I'm starting to feel there is some truth about what I hear in the news about the bureaus because of this matter.
Product: Debt collection

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. After contacting each bureau I was instructed to contact CFPB and file my complaint. HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Product: Checking or savings account

The week of XX/XX/XXXX I was called on a transaction that was made on XXXX and I had told them that I did not make the transaction so they were going to cancel my card and send me a new one. I then went to the bank to find out why it was taking so long for me to get my new card in the mail and come to find out that there was over {$3000.00} charged by four different companies which two of them are not even in the country. XX/XX/XXXX I opened up a claim requesting the funds to be put in my account I was denied and told that I made those transactions or somebody had my card. I said nobody has my card my card does not leave my wallet and I did not authorize any of those transactions. I sent in a letter a signed letter stating that I did not authorize any of those transactions. I also went down to the XXXX Police department to file a report and reopens another claim on the same day stating that it was not me. I went to the bank spoke to the manager several times we have several emails going back and forth stating that those transactions were not made by me I have no idea what some of the companies are. We then called the bank and had a supervisor look into what was going on they said there was a person by the name of XXXX  XXXX who tried to access my account {$230.00} times my account was never flagged through this whole process it was I was never notified by any of these transactions and if I don't get notified I'm not going to check my account to see if money is not if money is getting taken out. I'm a single mother XXXX kids about to get kicked out of my apartment because I can't afford my rent my bills are overdue I've asked many times for temporary funds I'm getting told no it's now going on almost 3 months with no answers and this is 100 % unacceptable over {$3000.00} is owed back to me.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems LLC has put a false debt on my credit report. They still have my social security number and trying to harass me with this false debt that they can not ever verify. This debt that they are trying to collect does not belong to me. They also agreed upon that they would not contact me about this debt. They have threaten legal action, and that is not permissible according to federal law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital one has stolen XXXX dollars from me. I deposited a legitimate check via mobile app my mobile limit was XXXX check was XXXX the immediately flagged it as fraud closed my accounts and are not returning money. Check was a legitimate payment from the sale of a property. My partner cut me the check from bank account and capital one said they called paying bank to verify check and check is fraudulent. Mean while the paying bank my partner called them and they have no record of capital one contacting nor did my partner receive a call to verify check as capital one has stated, this bank is full of crooks and a liars. They made no attempt to verify check just stole my money and lied about. My mobile app says check is cleared and funds available but they have locked and stolen it. Only fraudulent activity is with capital one, the are holding my funds which is every dime i have and terrorizing my families life. I cant pay my bills or feed my family.
Product: Credit reporting or other personal consumer reports

On XXXX separate occasions I demanded information stating that I had signed a document stating that I owed this debt. The dates of my first, second and third disputes can be provided after the investigation begins. There are XXXX accounts for which I am receiving no information from the Florida Department of Revenue. I never signed anything to connect myself with these account numbers.
Product: Credit reporting or other personal consumer reports

Experian 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. ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification from my federal loan servicer that my federal student loans had been forgiven as part of the Biden-Harris Administration debt relief. The notice indicated the loan servicer had notified, or would notify by the end of the month, all national credit bureaus of my student loan forgiveness. However, they have failed to honor that requirement as part of the forgiveness. On XX/XX/2023, I filed a dispute through XXXX. On XX/XX/2023, I received an update in regard to my dispute but it did not result in a change to my loan balance and payment amount. Instead, the loan servicer continues to report an incorrect loan balance and payment amount. Currently, loans that were not part of the debt relief have gone into repayment but my loan balance with the credit bureaus is incorrect. On XX/XX/2023, I reached out to my loan service through a web form which indicated inquiries would be answered within three business days. However, they have failed to respond.
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account XXXX account XXXX XXXX. Specifically, late payments were reported for XX/XX/year> and XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the XXXX pandemic. 

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. 
2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXX assistance plan, so the late payment information is inaccurate. 
XXXX. XXXX ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the XXXX assistance terms, violating this requirement. 

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the XXXX pandemic. 

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a XXXX assistance plan. 

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. 

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

I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).
Product: Credit card or prepaid card

XX/XX/XXXX payment sent XXXX to credit card company XX/XX/XXXX bank payment sent XXXX to credit card company genesis fs card services XXXX XXXX XXXX XXXX Oregon XXXX XXXX XXXX XXXX XXXX Georgia XXXX Upon contact of credit card company explained my bank verified funds have been processed an settled. Credit card claims they hold customers funds for 14days without clearing them for use in the effort to report fraudulent earnings by credit card agency on the financial reports. 

My account should not be held for 14 days when funds were processed an settled as available. They do this in an effort to hold funds from consumers an charge increased interest among other reasons.
Product: Credit reporting or other personal consumer reports

Global lending marked my account as a charge off and it was actually paid by insurance and gap insurance and they collected over {$13000.00} from the two different insurance from the total loss claim
Product: Debt collection

XXXX XXXX account is paid off on XX/XX/XXXX and is still saying owed on my credit . I would like this information to be removed from my credit because it’s inaccurate
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an inadequate customer service and unfair practices, which violates 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.