23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : I am writing because my home mortgage loan is a heavily-securitized loan owned by XXXX Bank, which has been refusing to modify my loan since XXXX, thereby causing me to struggle greatly financially to make the monthly payments as well as have a greatly underwater home loan due to the mortgage banking crisis. My home is currently in pre-foreclosure with what appears to be a XXXX XXXX, XXXX sale date. 
I am concerned that the recently announced settlement between XXXX Bank and the XXXX may allow XXXX Bank to give monies earmarked for consumers to private equity firms instead, such as XXXX. I am writing to ask that the CFPB and Department of Justice make certain XXXX Bank must provide loan modifications and principal reductions to the mortgages they own in the U.S. The media is currently falsely reporting that XXXX Bank no longer owns any U.S. mortgages, which is not true. My home is currently owned by XXXX Bank, while serviced by Nationstar, and is in pre-foreclosure, as well is still greatly underwater. I am working to submit yet another loan modification request this month, but if XXXX Bank is not made to provide actual consumer relief in this mortgage settlement that was just announced, then XXXX Bank will just turn down my request again. I have greatly suffered financially and have been much abused by XXXX Bank 's criminal mortgage banking processes and should be given a loan modification and principal reduction immediately as this settlement is finalized this month of XXXX XXXX. Please work on my and others ' behalf whose mortgages are still owned by XXXX Bank to compel them in the settlement to provide relief directly to consumers and not to private equity firms, such as XXXX. Thank you for your help! XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing have been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXD Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit card

I have an Apple XXXX card, sponsored through Goldman and Sacks. I brought an XXXX XXXX for my grandson for XXXX, XX/XX/year>. I did not know that the Customer Service Rep. processed the bill on the card as a regular sale. The promotion was 0 % interest for 12 months using the card. 

I did not discover this error until 2 months later, while trying to use my Apple Pay XXXX to make a payment on the bill. Thats when I realized they were charging me interest on the bill. I immediately called Apple, they did nothing. I also called Goldman and Sack and the XXXX acknowledged the mistake, and corrected it for future billing, but never removed or subtracted the interest of {$8.00} that had already been put on my bill. I have called them atleast XXXX or XXXX times to address this and they have consistently refused to remove that amount off my bill although some clerks admit that it is there incorrectly. 

Secondly, unless you own an Apple phone, and I dont, they refuse to allow you to make payments using your Apple credits and they refuse to take a payment without having your credit card permanently stored in their system. I have also made atleast XXXX calls to bothe Apple and XXXX to address these issues. I ASKED THEM TO REMOVE MY CHECKING ACCOUNTING NUMBER FROM THEIR SYSTEM AS THEIR CSR HAVE ACCESS TO THE ENTIRE NUMBER AND QUOTE IT AND ASK ME TO VERIFY IT EACH TIME I CALL WHICH INCREASES THE POTENTIAL OF IN-HOUSE AND EMPLOYESS FRAUD ON MY ACCOUNT AND ALL OF ITS CUSTOMERS ACCOUNTS. 
NEEDLESS TO SAY, THEY HAVE CONSISTENTLY REFUSED TO REMOVE MY NUMBER FROM THEIR SYSTEM. I CALL MONTHLY TO SEE IF IT WAS REMOVED SND EACH TIME THEY VERIFY THAT IT HAS NOT BEEN. IF MY MORTGAGE PAYMENT EVER BOUNCED I WILL KNOW THAT IT WAS APPLE WHO COMMITTED THE FRAUD BECAUSE ALL OF THEIR EMPLOYEES HAVE ACCESS TO MY CHECKING ACCOUNT NUMBER WHICH THEY SAY THEY ARE ENTITLED TO KEEP EVER. THIS IS TOTALY UNETHICAL AND NOT RIGHT IN ADDITION TO ALL OF THEIR OTHER BUSINESS PRACTICES. 

I WANT THEM TO REMOVE THOSE INCORRECT FEES THAT SHOULD HAVE NEVER BEEN CHARGED TO ME AND REMOVE MY CHECKING ACCOUNT NUMBER FROM THEIR SYSYEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make sure everything was correct. When viewing all 3 reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all 3 bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Product: Credit card or prepaid card

On XX/XX/XXXX i applied for a capitol one card with a XXXX savings on a purchase if approved through XXXX XXXX XXXX in XXXX AZ. The purchase price was XXXX dollars for a XXXX XXXX survival rifle. I was denied. I beleive my credit score to be XXXX. I have a capitol one credit card presently with a credit limit of XXXX dollars. I have had this card for twenty years. I don't beleive i have ever been late with a payment and the bill is payed in full on receipt of the bill. In the twenty years of having this card i have bought several homes. I have bought many new cars and motorcycles. I have bought two new UTVs. I haven't been turned down for anything i have attempted to purchase. I have recently cancelled a couple of credit cards over disputes. I feel i am very responsible financially. Did capitol one deny me for my responsibility? Because i dont carry a balance and pay no interest? Or because they didnt want to give me the XXXX dollar incentive? Or simply because i already have a capitol one credit card? Whatever the reason i feel they have soiled my credit for no legitimate reason. This occured while living at my winter residence at XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXXXXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX, I had the proceeds of a real estate sale wired to my Marcus savings account before transferring the money to XXXX. On XX/XX/XXXX, XXXX reversed the XXXX transfer without notice. When I contacted them by phone later that day, I was told that the money would be frozen in the savings account for an extended period, supposedly as a security measure, despite me verifying my identity. They were vague and refused to specify when I could access the funds. The only way to access the funds, they said, was to close the account and wire the full account balance to a different bank ( that process is ongoing ). This is a sketchy practice that seems like a money grab disguised as a security measure.
Product: Credit card or prepaid card

I had approximately {$61000.00} of fraud against my Bank of America credit card in XXXX and in XXXX for some one using my credit card numbers for purchasing XXXX XXXX online, a publicly traded company our of XXXX Ohio.I originally thought this was a subsidiary company for my property and casualty insurance as they often bill under separate corporation. I was forced to speak to more than 25 people over a 3 month period as no one would engage with me beyond taking information. I also had my card terminated for fraud and was issued a new card.

For the next 2 months with the new card, there were additional {$10000.00} charges against my card. I finally spoke to an " XXXX  '' in the Delaware fraud office after they convened a meeting with XXXX XXXX. They agreed it was a fraud and covered only {$20000.00}. After multiple appeals, I was told by XXXX that the underwriters found merit in my case and please leave 2 billing cycles to see the balance covered. That was XX/XX/XXXX. 
I waited. On XX/XX/XXXX, I got a letter that was dated XX/XX/XXXX, that my claim was denied in full. They will no longer consider covering the fraud they acknowledged occurred. 

It appears they are adopting a deny, delay and defend posture. However they advertise fraud protection and I should have to take legal action because i am the victim, first of the fraud, and now from Bank of America Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : XXXX ID # XXXX completed a forbearance on my account that started XX/XX/XXXX and ended on XX/XX/XXXX. 

XXXX ID # XXXX completed another forbearance on my account that started on XX/XX/XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XX/XX/XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX  XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Product: Debt collection

FOCUS RECEIVABLES MANAGEMENT are wrongly trying to collect a debt and have placed a debt on my credit file. This company is NOT licensed and bonded in the state of Texas. After contacting the Secretary of state Texas Focus Receivable Management do NOT have a bond in the state of Texas. This is againist the law of the state of Texas. Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 
They are attempting to collect a debt in the amount of {$910.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Debt collection

Concerning the entry on my report by XXXX XXXX XXXX, mentioning an incorrect amount of {$1000.00} and dated XXXX, I assert my FCRA rights. Section 611 ( a ) grants accuracy verification, Section 623 demands precise credit reporting, and Section 611 ( a ) ( 1 ) allows dispute of erroneous data. I also refer to FDCPA, TILA, and CFPA for fair treatment. Kindly investigate and rectify this entry to ensure accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report. That is the result of Identity theft and fraud within four business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loansXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX  credit report. Maintained by TransUnion which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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 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 : # 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 : 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: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Sage Stream asking them to freeze my credit report over a month ago and to this day the request has gone unansewerd. My credit report is stillll not frozen by Sage Stream. I would like for them to freeze my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX . 
XXXX La. XXXX Last four of SS # XXXX
Product: Credit reporting or other personal consumer reports

I am disputing this collection agency XXXX XXXX XXXX the amount of {$8100.00}, I do not have a contract with them. XXXX, I know where they got this loan from. I need the original contract date opening payment made. It was reported on my credit reports and have no contact with this collection agency. I want them to remove it immediately it's in the packing of my credit score account # XXXX it is reported as collection and charged off, next is the Cavalry portfolio collection agency They are collecting. for an account that was XXXX XXXX  and closed XXXX XXXX XXXX XXXX XXXX XXXX  it's still harassing me and calling me and sending me mail I want them to stop harassing me and remove all collection and charges from my credit report account # XXXX amounting to {$3200.00} the original loan amount was {$2000.00} I would like them to provide your original contracts with XXXX. XXXX XXXX was closed for a long time. I don't have any contact with them. Cavalry portfolio agency. This accounts. I don't even have the original anymore because he has been popping since XXXX  I don't have any documents of all the XXXX doses.