23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While I was being pre-qualified to purchase a home in XX/XX/2018, I was denied due to derogatory mark on my credit report. I enrolled in XXXX XXXX to view this negative mark and saw that a collection item placed by Ability Recovery Services, original creditor XXXX University, was present as of XX/XX/2018. Ability Recovery Services failed to send me initial communication before placing this alleged derogatory status on my credit reports violating FCRA. On XX/XX/2018 I sent letters to both Ability Recovery Services and XXXX University  requesting validation of debt, dispute put on credit reports while researching and deletion of tradeline if validation can not be provided. Neither Ability Recovery Services nor XXXX University provided me with validation of debt to date. They failed to respond within 30 days of receipt of these certified mails and thus the tradelines should have been deleted. I am requesting immediate removal of tradeline from all reporting credit bureaus.
Product: Credit card or prepaid card

On    XX/XX/XXXX  , I  got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by  XXXX   XXXX , I 'd get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the  XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the  XXXX  to get more fees. I also asked them why 'd they send the offer on  XXXX   XXXX , knowing I could n't take advantage of it since it takes many days to process.. After an hour, I was basically told tough   XXXX   XXXX   XXXX  . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they 'd still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n't clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n't anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Non-Compliance with FCRA Standards Dear Consumer Financial Protection Bureau, This letter is to file a complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) concerning the handling and reporting of my credit information, particularly inaccuracies reported by XXXX XXXX. 
Multiple Erroneous Listings : Equifax has listed the same credit builder loan under multiple names including XXXX XXXX XXXX XXXX XXXX  causing confusion and inaccuracies in my credit report. 

Disregard for Dispute Resolutions : Despite filing disputes with detailed evidence against the inaccuracies reported by XXXX XXXX, Equifax has not taken adequate measures to investigate or rectify these inaccuracies, contrary to FCRA mandates. 

Adverse Effects on XXXX XXXX : The inaccuracies maintained by Equifax have detrimentally affected my credit score, limiting my access to financial products and opportunities. 

I urge the CFPB to take necessary action to ensure Equifax complies with FCRA obligations by conducting a full investigation into my disputes and rectifying the inaccuracies promptly.
Product: Mortgage

I am homeowner WHO NEED TO SAVE HIS HOME XXXX XXXX XXXX, XXXX A. IS ORIGINAL BANK and i recived UNIFORM FINAL JUDGMENT OF FORECLOSURE AND SALE DATE ON XXXX/XXXX/2016 I beg you to help with canceling foreclosure sale on XXXX/XXXX/2016, i am willing to do any loan modification, mediation, loss mitigatin, please help me and our family to save our home.Bank XXXX sold loan to XXXX end i just find out that XXXX sold this loan to Nationstar loan # XXXX i wasnt notified, i need to do loan modification ASAP and Nationstar only intersted to foreclose, they dont give a chance to do loan modificatin, i just got statement where they charge me for legal fee XXXX, property inspection XXXX $ title lien search XXXX XXXX prior lender expense XXXX XXXX escrow XXXX $ they just purchased this loan from XXXX and now FRAUDULENLY Creating chages out of knowere and want to sell my house.MY family beg to stop this FRAUD.WE willing to do loan modi need to keep roof over heads As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was XXXX XXXX XXXX, i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXXlega As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was Bank XXXX XXXX XXXX i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXXlega
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 


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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 years.

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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

IVE BEEN DISPUTING INFORMATION REPORTED ON MY EQUIFAX REPORT FOR ALMOST A YEAR WITH NO SUCCESS BECAUSE THEY KEPT VERIFYING THE DEBT AS ACCURATE INFORMATION. I HAVE NEVER OWNED A XXXX   CARD ACCOUNT AND THIS IS A FRAUDULENT ACCOUNT. IVE ALWAYS DISPUTED THIS ACCOUNT AS NOT BELONGING TO ME. I HAVE NOW COMPLETED A FRAUD AFFIDAVIT FROM THE FTC TO ALSO HELP WITH THIS DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet Experian continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... XXXX   continues to report 2 charge offs with the same Student loan accounts ... .and XXXX continues to report these XXXX XXXX in the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything please remove the following items from my credit report, immediately 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: Debt collection

I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXXBalance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX.
Product: Checking or savings account

I had a checking and savings account with Bank of America roughly about 3-4 years ago. I had this bank for quite some time and never experienced any issue with fraud much like I have never issued any fraud issues at all in my life. I had lost my information, due to losing my wallet, called the establishment to let them know. I did was I supposed to do as a consumer. They called me back and asked me if I was aware of any fraud and I let them know that my information had been stolen. Mind you this was years ago so I can not recall every aspect however I do remember calling to let them know it had been stolen and that they should have all these called recorded. They ended up closing the account which was fine because I was unsure of where my documents were as I did not have my wallet. I attempted to open a bank account for years after and was never told a reason as to why I wasnt able to open one until earlier in the year. I was given a number to call and reached to out to Bank of America to be educated that I had a fraud on my account. Which was weird because I had never been told that fraudulent activity took place I was only told if I knew about anything. I opened a claim because obviously I didnt know about it and need to open an account since I have things I need to take care of. They opened the claim and it took 3 months for me to find out they denied my claim. Once I asked why they told me that it happened on my banking app. Which was weird because I obviously never submitted a check for the said amount. I have been hung up on transferred to extensions that do not work, and been given a run around. I asked for proof of statements as well as proof at this said check and to no avail because I have not received either. I spoke to one woman who was telling me 2 different amounts. They said it was a XXXX dollar charge then it was a XXXX dollar charge. They can not supply me proof of either. I was told I would get the proof in the mail and all they sent me was the determination letter once again for the claim. This is all a mess and this is ridiculous. If you can not supply me proof then what is it that you are doing? Also I have proof of the phone calls and will need an email to send them too as they are not able to attached to a link. You will see how horribly Bank of America has handled their consumers and how there is no determination to handle this effectively.
Product: Credit card or prepaid card

I disputed a charge for a purchase. The purchase received as a counterfeit. Capital One claimed they did not receive the requested documentation from me and closed my claim. I faxed the documentation, and they again claimed they could not processed my claim. They are in violation of the credit card agreement by not processing this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}
Product: Mortgage

I locked in a rate of 3.875 % on XX/XX/XXXX with BETTER.com. This rate was " guaranteed '' for 75 days. As of XX/XX/XXXX, I was " cleared to close '', with a close date of Friday, XX/XX/XXXX. 

On XX/XX/XXXX they laid of 3000 employees and on XX/XX/XXXX, 7 days before close and out of my option period to re-coup my earnest money of {$53000.00}, they told me they can't do the loan. 

They would only do the loan at a higher rate of 4.25 % and {$5000.00} more in points. The net interest rate difference is over {$100000.00} over 30 years. 

I begged for them to honor the original rate to no avail. The best they could do is 4.25 or decline the loan in which case I would be in jeopard

y of loaning my earnest money and the house. Attached are : 1.
Screen shot of " on track '' to close. 2. Rate lock " guarantee '' email. 3.875 3. Pre approval letter. 4. Actual closing disclosure of 4.25 % and increased points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting a XXXX  day late in XX/XX/2018 on ( XXXX XXXX XXXX ). 
How can this account be XXXX days late when it was on time the month prior. This is an inaccurate reporting. Please remove the XXXX day late from my credit file and update this account to open, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, XXXX XXXX, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information XXXX be listed on my credit report. Section XXXX of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy XXXX XXXX XXXX ) I found such inaccuracy in bankruptcy in credit report : XXXX XXXX is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts! & Pursuant to 18 USC 8, I owe no debt. These companies is violating my consumer right to privacy pursuant to 15 USC 1681b These are the accounts that Ive continuously tried disputing and to no avail have they done the correct investigation to remove these inaccuracies. 
- XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX They are reporting falsely through each credit bureau.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

1 ) I did a balance transfer of {$53000.00} from XXXX XXXX XXXXXXXX Credit Card to Target Mastercard on XXXX 2 ) Target Mastercard returned the payment of {$53000.00} CLAIMING they reversed the payment the same way they got it via Fiserv a 3rd party intermediary used by XXXX XXXX XXXXXXXX. 
3 ) I called Target multiple times in an attempt to track down the money and was given the following information on the {$53000.00} reversal amount by XXXX from Target XXXX ~ XX/XX/XXXX : Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ET {$53000.00} 4 ) I called XXXX XXXX  XXXX - XXXX XXXX advised the following - XXXX XXXX XXXXXXXX Credit Card sent money directly to Target Mastercard for Balance Transfers and does not use 3rd party Fiserv for that purpose - If funds were actually reversed exactly how they were received that XXXX XXXX XXXXXXXX would show the balance
Product: Debt collection

The company is attempting to collect the debt I believe I do not owe they are furnishing information to my consumer report identified as identity theft and not related to any transactions made by me
Product: Mortgage

I was enrolled in covid forbearance which ended XX/XX/2021. We were led to belief past due payments would be added to the backend of the loan however did not and I was offered a trail modification in which could not afford since my payments would be increased almost {$2000.00} dollars more. 

I then opt on XXXX to reinstate mortage back to normal servicing by paying the past due amount in which the bank now as misapplied all of my payments since XXXX and now states that I am still past due. I made all payments to bring my account current in which is paid upon until XXXX the bank has applied my payments to escrow and also suspense account not related to my mortgage and payments were not applied correctly to principal, interest and escrow. Also, the bank did not correctly conduct a correct escrow analysis to date. Please assist me with the bank since as of this date I am not able to resolve and the bank as not applied my payments correctly. 

As per my XX/XX/2021 mortgage statement I owed {$29000.00} and below are all payments made : {$3000.00} {$3900.00} {$7200.00} {$2000.00} {$15000.00} {$1200.00} {$2700.00} {$35000.00} Total paid ( {$29000.00} ) {$6200.00} payments not posted correctly Please contact my XXXX XXXX who is authorized to speak on my behalf at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX