23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear sir madam, I paid two payments by mistake in XXXX on my mortgage with Loancare servicing, I have reached out to them many times requesting return of the extra payment they have continued to ignore my request. After two weeks of constant calling they requested I send them bank proof after doing that they told everyone the refund would be sent out on the XXXX of XXXX. In XXXX a payment for {$2300.00} and {$2400.00} this has really created a great hardship on my family and it appears to be of no real concern of anyone at Loancare I will seek a Civil Litigation Attorney this week if I dont get a response. My phone number is ( XXXX ) XXXX. 
XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.
Product: Debt collection

On XX/XX/22. I attempted to get information from Southwest credit systems. The representative was very rude yelling over me requesting verification of this said debt and a signed contract with my name and wet signature as I was attempting to speak and reading the fair credit reporting law. I requested a supervisor in did the same and stated I was not a real person. They asked who I was and I gave them that information. I again stated the law to them and that it was a violation of the law to report on my credit without having a contract with me directly. He or she then hung up the phone on me. I attempted to call back and the same action I was hung up on.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$830.00} CAPITAL XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXXXXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 
Also this as well. thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous 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
Product: Payday loan, title loan, or personal loan

Applied for and received a XXXX dollar loan in XX/XX/2017. To date, I have paid back XXXX and the company is claiming I still owe 13 weekly payments of XXXX, or XXXX dollars in principal.
Product: Mortgage

On XXXX, 2021 weve made two payments on our mortgage to Nationstar XXXX DBA XXXX MR. Cooper. One via check USPS priority mail mailed on XX/XX/2021, is for XXXX payment the second payment dated via online portal XX/XX/2021 cleared paid on XX/XX/2021 and for XXXX payment. The Payment for XXXX, check # XXXX {$2700.00} via mail MR.Cooper did not apply it into our account until the month of XXXX, and the payment for XXXX {$2600.00} is reversed into our account instead. The XXXX payment is missing just disappeared. Weve learned about the missing payment we login into our account when we made a payment for XXXX, so now the XXXX payment went into XXXX payment because MR.Cooper is refusing to correct the error theyve made on our account. We called several times, fax, and mailed all the paper work from our bank account additionally we had a 3 way call with our bank and an agent name XXXX on XX/XX/2021. XXXX advice us that our account will be corrected by XX/XX/2021. He provided us a case number : XXXX we cant pay our XXXX payment until our account is corrected otherwise if we pay now it be applied to XXXX payment weve already paid XXXX payment. As of XX/XX/2021 our account are not corrected theyre giving us the run around.
Product: Credit card or prepaid card

An American Express XXXX XXXX back was open today. I found out because I got an email from my credit report that an hard inquiry was made today and the credit card was approved for XXXX and that it was summited online. Contact them to report fraud and they cancel the credit card. Credit bureau told me to make a report
Product: Credit reporting, credit repair services, or other personal consumer reports

Credirt report is reporting inacurate information on my credit report. It is reporting a XXXX XXXX XXXX Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to experian XX/XX/XXXX Experian has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.
Product: Checking or savings account

I attempted to open an account with PNC but was denied being told that I had a previous account in my name. I took them my TX DL, Passport, other proof of ID and yet would not believe me. ( the branch ). They told me it was in the hands of BANK SECURITY. 

What concerns is me is someone has also attempted to obtain online loans, with my name, SSN, DL # etc I went to the XXXX, Texas, police Dept. They refused to take a police report because the crime was committed ONLINE How can I obtain a new number for each?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of ace cash express .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX   inquires XX/XX/XXXXace cash express XX/XX/XXXX XXXX XXXX XX/XX/XXXXloan by XXXX   XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXX ace cash express
Product: Debt collection

In XXXX of 2022 I mailed XXXX a letter informing them that I am a victim of identity theft from a credit card that was in my name from them.. 2 months later Midland Credit Management purchased this debt. I informed them multiple times on the phone and in writing this is identity theft. I sent them a FTC fraud affidavit and gave them the police report number, # XXXX XXXX XXXX Sheriff Department in XXXX, Indiana. This company continues attempts to collect on this fraudulent account. 
mcm # XXXX XXXX customer # XXXX
Product: Student loan

When I went to repay my loans, I was not properly informed about income driven repayment options. Navient told me I had to enter into a forbearance and combine my loans in order for me to have extended time ( 30 days ) to submit my application for an income driven repayment plan. They said I could not enter into an IDRP without combining these loans and told me the interest rates would go up to market rate. I was told I had no other choice. This caused my interest rate to increase substantially. Almost everything I have paid to date has only gone towards the high interest on my loans. I have since learned that everything Navient told me was a lie, and now Im stuck with an interest rate thats substantially higher than what I agreed to when I borrowed.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on my report on an authorized user account that shouldnt even be on my credit report i didnt authorize to even report on my credit report the account is XXXX XXXX opened XX/XX/year> and an {$18000.00} i hope youll can resolve by investigating and erasing this account promptly and immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a fraudulent hard inquiry that recently appeared on my TransUnion credit report. I believe this inquiry to be fraudulent and request its immediate removal from my credit report. As a victim of identity theft, I am deeply concerned about the potential consequences that this fraudulent inquiry may have on my creditworthiness and financial stability. 

The details of the fraudulent hard inquiry are as follows : Creditor Name : XXXX XXXX Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/2023 I would like to provide substantial evidence to support my claim of fraudulence. Firstly, I have never had any prior relationship or interaction with XXXX XXXX, and I can assure you that I did not initiate any credit application or authorize any inquiry from this institution. This unauthorized inquiry is a clear violation of my rights as a consumer and places an unjustifiable burden on my financial standing. 

Moreover, I diligently monitor my credit report and transactions on a regular basis. However, due to the sophisticated nature of the fraudulent activities, I regrettably did not notice this fraudulent hard inquiry until recently. I believe the perpetrators strategically timed the inquiry to go unnoticed, thereby exploiting my trust and causing significant harm to my credit profile. 

I kindly request that you take immediate action to investigate this matter thoroughly and delete the fraudulent hard inquiry from my TransUnion credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to accurate and fair credit reporting, as well as the ability to dispute any incorrect or fraudulent information on my credit report. 

Section 611 of the FCRA stipulates that credit reporting agencies must conduct a reasonable investigation into any dispute raised by consumers and correct any inaccurate or incomplete information within 30 days of receiving such a dispute. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumers and enforcing these legal rights. 

Enclosed with this letter are copies of my identification documents, including my driver 's license and Social Security card, to verify my identity and support my claim. 

I kindly request that you notify me in writing of the outcome of your investigation and provide a corrected credit report, free from any fraudulent information, within the statutory timeline. I also expect to receive documentation confirming the removal of the fraudulent hard inquiry from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this fraudulent activity and restoring the accuracy and integrity of my credit report. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX
Product: Student loan

I have three XXXX unsubsidized loans and one consolidation for loans taken out before 2010 for a XXXX  program, which I completed and have been paying back without a problem. I moved AND the pandemic hit at the same time, making my work unstable at best. I understand President Biden signed an executive order of forebearance on Federal student loans with XXXX interest, which applies to my XXXX loans. Somewhere along the way, apparently, my loans were sold (? ) to Navient, who says they do not need to comply with this order. 

I did not agree to have my loans administered by a non-federal group. And I will complain to the highest levels to make this right. I deserve to have my loans treated as any other Federal Student Loans. 

Frankly I also believe how interest is accrued is also VERY UNFAIR to the student.
Product: Debt collection

The debt that the collector is trying to collect is a medical debt due to auto accident. The medical facility has been given auto insurance information that would pay the claim and medical insurance that also would pay the claim on three separate occasions via mail once and by phone twice. The last being in XX/XX/XXXX. I have verified as of XX/XX/XXXX that the medical company has not submitted the bill to either insurance company. When I was first notified of the debt I disputed over the phone twice giving the collection agency the above information along with dates and whom I spoke to at the medical center. I did not hear anything from either the medical company or debt collector ( by phone, writing, text or email ) until late XX/XX/XXXXvia a text message and subsequent voicemail. I called back to dispute the debt and when they continued to try an collect I responded by text to their message disputing the debt multiple times as well as email so I had it in writing. I also called back to dispute the debt again. I have not received any further communication from the medical center after leaving multiple messages. The debt collector has not responded to any of my messages disputing the debt and continues trying to collect this debt that still has not been billed to either insurance provided to the facility.
Product: Debt collection

I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$1500.00} on XX/XX/2021. I have no idea where this financing came from.
Product: Credit reporting or other personal consumer reports

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : XXXX XXXX I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Credit reporting

Transunionhas reported XXXX XXXX as a collection account XXXX. This account was removed from my file in XXXX and it was reporting as XXXX. It is not fair to the consumer to keep reminding them about recurring debts from a company that reports from many different companies reporting same debt. Transunion is n't takimg care of this problem. When I call a special department supervisor handles your file and you 're transferred to many different people and finally to a voice assistant. You 're told they 're busy and thet will call back. You never receive a call.
Product: Checking or savings account

First received a check for {$5.00} from Bank of America a couple of weeks ago, that I thought was odd and possibly a scam so I just held onto it, then about a week later I received a statement from a Bank of America account I never opened. It had a {$5.00} balance, then I got another letter statement about a week later and it said it was a different account number with a XXXX balance? Dates of the accounts were XXXX XXXX XX/XX/XXXX, then the other one was XXXX XXXX XX/XX/XXXX, I called to complain, they said my accounts would be closed but the fraud forms they sent me were very time extensive to fill out and mail to them. They asked for physical scanned copies of my license and Social Security card, which seemed absolutely bananas to ask for that over the mail as it could be intercepted and ruin my life, especially as I was just the victim of identity fraud and someone just used my SSN to open not one but two different Bank of America accounts without being in person with any identification. 
They also asked for me to get a copy of a social security statement, proof of residency, all original account documents, police reports, a crazy amount of stuff considering they let some scammer just open 2 accounts with none of this. 

When I called about it, the woman on the phone sounded like she was mocking me like oh the REAL person would have those documents, how do we know Im even talking to the real person? 
I have the documents, I dont think its safe to mail them and its actually illegal in 17 states to send SSNs by mail so idk what they are doing. Im planning to go down with my documents in person but again I just got defrauded, I dont want them to make copies of my social security card. 
When this account was opened, it didnt show up in my life lock or in my XXXX XXXX  so I dont feel like B of A is reporting things appropriately. And they are letting people open up checking accounts online without ID, but making it incredibly hard to close fraudulent ones and prevent it from happening again
Product: Debt or credit management

North Carolina deed of relief by and between XXXX XXXX  note Holder. Who only released the property to XXXX XXXX XXXX.
Product: Mortgage

XX/XX/XXXX - contacted mortgage company to see why county taxes were not paid since they are escrowed, sent in tax bill XX/XX/XXXX - contacted mortgage company to follow up ; taxes were already a few months late and they had to " research the issue '' so I paid the XXXX taxes out of pocket and requested a refund from escrow ; sent email with receipt were I paid taxes XX/XX/XXXX - some email correspondence but nothing has been done XX/XX/XXXX - still nothing has been done with I sent the correct parcel number over to company, requested escrow analysis and I will have close to a {$3000.00} surplus after XXXX taxes and insurance have been paid ; talked to numerous reps and they run me around in circles.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I deposited {$1000.00} from my XXXX XXXX acct. to Coinbase to purchase coins ( deposit ref # XXXX ) I really wasnt in a rush to purchase any coins but wanted the money to be readily available when I did get ready. I also honestly trusted Coinbase to be a trustworthy company, not to mention the money was in fact debit out my acct. so I just knew it was in my Coinbase acct. a couple weeks went by and I wanted to buy into a coin, I log into my Coinbase acct. and to my surprise my balance is {$0.00}. I immediately start to look through my Coinbase acct. to see what happen to my money. I noticed that the same day I added {$1000.00} the acct. Coinbase said that I withdrew the {$1000.00} back into my bank acct, I knew that was a lie because I actually went to bed an forgot about the deposit. I also wasnt mad at that point because, I thought the money would just be back in my bank acct., it would be easy to track and maybe it was some kind of error with me depositing the money to Coinbase an THEY reversed the payment. So I immediately call my bank, they inform me that they see when I made the deposit to Coinbase ( {$1000.00} ) but have NO records of the money being put back into my acct. by Coinbase ... SO WHERE IS THE MONEY, IS IT FLOATING IN THE AIR? I reached out to Coinbase to file a complaint ( # XXXX & # XXXX ) long story short they did reach back out to me after weeks and closed my case UNRESOLVED!!! I deposited money & my BANK VERIFIED that, I DID NOT BUY ANY COINS, BANK HAS NO RECORD OF MONEY BEING PUT BACK INTO MY ACCT. & Coinbase is {$0.00} this is ridiculous the amount of complaints Coinbase has for stealing not just my {$1000.00} but hundreds of thousands of dollars from people an the government has not shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. 

======================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 ==================================================================================================== Account Name : XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 ===================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 ======================================================================================================= XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions ==================================================================================================== XXXX XXXX  In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions =============================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions ===========================================================================================