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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed. 

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that TransUnion perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

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

This complaint is in direct response to Nordstroms inability to provide communication on a debt in the amount of {$410.00}. Nordstrom first filed the charged-off account with all three credit bureaus in XX/XX/XXXX. Since the filing, I have made contact with Nordstrom via USPS on the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. 

Nordstrom has failed to respond to letters requesting debt verification and has failed to respond to letters inquiring about a debt not associated with me. I hereby now request the assistance of the CFPB to investigate this situation further and find a resolution to this matter.
Product: Credit reporting or other personal consumer reports

Experian also violated the Consumer Financial Protection Act by engaging in unfair acts and practices, for not employing sound procedures for accepting complaints and other failures.
Product: Mortgage

My home mortgage was transferred to Specialized Loan Servicing in XX/XX/2020. I was sent a notice my escrow would not cover my homeowners insurance policy because my insurance policy annual cost went up over {$500.00}. I called my old home owners insurance company and they brought the cost down and secured the payment from Specialized Loan Servicing on XX/XX/XXXX. So the account was no longer without homeowners insurance. 

I called many other home insurance companies and secured a new policy with company XXXX for over {$1000.00} less, uploaded the documents to Specialized Loan Servicing website, and they are insisting I already have coverage and will not talk to me regarding the new policies ( home owners and wind and hail ). I have two messages in the message center online that they will not read. I called XXXX today, their insurance department, spoke with an agent, and she would not discuss any resolution. I made it clear I have a new policy and I uploaded it to the portal, and left emails on the mortgage portal for my loan. She responded by insisting I call the number again ( given above ) and leave another message for yet another call back from another agent. I am sensing I am being given the run around and not getting customer service at all. 
Concerns : 1. In regards to the email from SLS ( Specialized Loan Servicing ), the email I received today was from From : XXXX XXXX Notice the reply address is not a SLS.NET address. 
It stated I already have Home Owners Insurance coverage, and they do not mention the new policy documents I uploaded several times. 

a. Monday, XX/XX/2020 XXXX XXXX, uploaded both policies They responded on Tuesday, XX/XX/2020 XXXX XXXX From : XXXX XXXX saying that MyCoverageInfo Information Not Processed b. Tuesday, XX/XX/2020 XXXX XXXX, I uploaded both policies again They responded on Tuesday, XX/XX/2020 XXXX XXXX From : XXXX XXXX saying that MyCoverageInfo Information Not Processed c. On Tuesday, XX/XX/2020 XXXX XXXX   and Tuesday, XX/XX/2020 XXXX XXXX, I uploaded the policies again in TWO different places on their portal, One for adding a new policy and the other for editing the old policy information. 
On Wednesday, XX/XX/2020 XXXX XXXX, I received the response from a different email address, XXXX XXXX, that I already had coverage and my documents were not needed. The documents they had on file were from XXXX, my old insurance agency. Again, they did not honor my request to add the new insurance policy with XXXX. 

As I was typing this message to you, the SLS message center sent this message : XX/XX/2020 XXXX XXXX Thank your for your inquiry. Please contact our Insurance Dept. at XXXX. An agent will be happy to assist and look into the matter. For your convenience their office is open Monday - Friday XXXX XXXX - XXXX XXXX MT. 

This is the number I have already called, and been unable to speak to anyone about resolving this issue. I am in an infinite loop of being told to upload documents to the portal, only to have them rejected. And being told to call a phone number I have already called, only to be told I need to call the number again.
Product: Student loan

In XX/XX/XXXX of this year, I called in to see what options are available. Currently I was on an IDR and thought that I would like to change to something where I didn't have to give over my tax information every year. The quoted me an amount that my monthly payment would be under the new plan, but it turned out to be around {$100.00} more than what they said. They told me I need to pay almost {$1000.00} to exit the plan, I asked why, they said they would not be able to proceed without that payment. After I was notified of what my monthly payment would actually be, I called in to ask why the difference? It was on that call that I found out that the {$1000.00} payment I did was not necessary. They said they couldn't do anything to change my monthly payment or the fact that my interest capitalized ( which I specifically asked about and they said it wouldn't ). They could however, return my payment. I have talked to them on a half a dozen calls over the last 4-5 months. They can't give me any explanation as to why my refund hasn't gone through, but they always need another 2 weeks before anything will happen. 

I've been paying more than I was told I would for the past 4 payments. I'm not sure if I'll ever be refunded the amount they've told me I would or not. They have taken actions on my account that did not match what I approved. Now, they aren't doing anything to fix it. I have never had a late payment and my account has never been delinquent. They get to make decisions regardless of what I call in to ask for. I'm thankful I can afford what they are taking from me each month for now, but no one there can seem to correct the mistakes that one call center rep made on my account. 

I was better off having never contacted them and I really wish I could go back before this all happened. I have no control over my loans or my payments and don't know who I can contact to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my XXXX Credit report says Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.
Product: Credit reporting or other personal consumer reports

I requested removable of XXXX XXXX XXXX from my credit report. This issue has been investigated and addressed to XXXX with verification to correct its errors on my credit report, however XXXX XXXX XXXX remains on my credit report. XXXX, with XXXX XXXX lawsuit and Federal Laws governing this issue. I'm requesting immediate removal of XXXX XXXX XXXX from my credit report. The results of remaining on my credit report continues to cause irreparable harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$9700.00} XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXBalance : {$3200.00} XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$20000.00} XXXX  XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts Consist of at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my loan to XXXX on XX/XX/year>. XXXXXXXX XXXX  officially took over the loan XX/XX/year>. During the transfer period, XXXX XXXX declared that I missed my XXXX ( XX/XX/year> ) mortgage payment ( even though they have record of my payment ) because they increased the amount due in escrow, and my automatic payment was for a lesser total amount. 

During the XXXX transfer of my loan, I was not able to pay XXXX XXXX the amount owed to escrow to supplement my XXXX payment. I also did not have an ability to pay XXXX as they had not set up my loan yet, it was still pending ( XX/XX/year> ). I was not told when the transfer to XXXX would complete. I was told not to do anything about this supplemental escrow amount by the customer service reps at XXXX XXXX as they said it would all work itself out in the transfer process and that it would not affect my credit. 

I wish to dispute this claim that I missed my XXXX payment, as I have record it was paid but not applied, and I had no mechanism to supplement the additional escrow. I can not dispute this claim however. 

When I call all of the phone numbers listed online for XXXX XXXX customer service, I get the same automated recording that asks me to give either my SSN or my Loan #, both of which result with the same response : " Your loan has been transferred to another lender, contact them. Goodbye. '' I can not get anyone on the phone to dispute this charge. I believe I, as a previous client of this lender, should be able to speak to someone to clarify this issue. I believe they are acting in bad faith with their lack of response to me to clarify a nuanced issue and the result is adversely affecting my credit report with lending agencies.
Product: Checking or savings account

Dear sir, I deposit check to my checking account for XXXX usd in XXXX of XXXX. in Wells Fargo the amount deposited XXXX my account at-once and rest shows as pending pending in my account up to day XX/XX/XXXX. 
On day XXXX the total money deposit full in my account, on XX/XX/XXXX I spend XXXX XXXX from my deposit, on XX/XX/XXXX bank inform me that the check return and put out the total money which was deposit in my Checking account, I did have enough money in Checking account, on rely to Bank statement i did the transaction, ( since i did not money in my checking account the drown money from my saving account to complete the money which has been weird, As a result of this statement i lost XXXX XXXX i asked Wells Fargo why you pending and deposited to my account and why you give me access on XX/XX/XXXX. and pull it on XXXX, I suffer from this action and lost XXXX XXXX which i can not afford please help me I talk to wells Fargo they I must wait for 14 days to see if the check is passed or not this is true? and for why deposited my account they told me this bank regular situation and I should know the rule? befor i spend the money, but the only thing they done was return XXXX usd fee back to my account, Please help me thank you XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX regarding my account ( Account # : XXXX ). I have reviewed my credit reports from TransUnion, XXXX, and XXXX, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and XXXX ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and XXXX ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments.

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing.

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute.

I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called XXXX was put on hold and transferred several times. Could not get an answer.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am not familiar with them, and the company conducted them without my consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Bitcoin of America I was scammed out of {$5800.00} XX/XX/2021 I received a phone call saying that they were the US government or US Marshal that they had all of my information they were linking up with the XXXX  XXXX Police Department which already had my case they told me that my social security number was compromised and I was going to be arrested or had a warrant out for my arrest they told me I needed to verify my asset immediately and that they would give me a new social security number and transfer all of my assets to a new Social Security wallet which they then sent a text message with a q r code they had me go and withdraw {$5800.00} ( XXXX $ kept getting rejected ) so they let me keep it : ( from my bank and take it to bitcoin of America ATM ( which they said was a assets verification machine ) in the form of cash that they had me remove from my back leaving XXXX $ in each of my checking accounts to keep them open ) they had me stay on the phone with him the whole time ( 3 hour process ) had me the create an account was created with all of my information they had me scan the fake Social Security wallet which was really a Bitcoin of America wallet underneath the QR code scanner on the Bitcoin ofamerica ATM machine as soon as I did. They had me go back out to my car and send them a picture of the receipt with Bitcoin of America to the same text number... .. they then continue to tell me that two XXXX  XXXX police officers would be at my house and scan the new q r code- and all of the funds that I entered into that Bitcoin ( ADR ) machine would go back into my XXXX XXXX XXXX account XXXX I have tried to reach my bank but because I pulled the cash out myself, ( via threat ) they're unwilling to help me I have not heard anything back from Bitcoin of America I have filed reports with the police department the Federal Trade Commission for economic crimes unit FBI and numerous other sites like XXXX XXXX ... .without any help tracking down the scammer or returning the funds .... I cant be the only one they did this too. They were very malacious and scammed all the money I had to my name i have XXXX XXXX year old and am being told to leave my home by the end of the month can someone please support my case it cant just be a lost cause! : ( when i went to sign back in to bitcoinofamerica.com it says my phone or account does not exist!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.
Product: Credit reporting or other personal consumer reports

I have been trying to log in to the XXXX Credit Bureau website for almost two months to check my credit report and score, but their system is not allowing me to access my account because the information stored on their side is incorrect for some reason, and they can not do anything about it. As a result, they are unable to verify my identity and apply to a new credit card. I have contacted the dispute center and submitted a support request more than a month ago.
Product: Prepaid card

I was notified by email that there would be an update to the system which occurred XXXX XXXX 2015. I checked my account after the update and my money that was previously on my card was gone. I did n't panic thinking that the update was n't over yet, so I waited until my direct deposit went through on the XXXX of that same week and to my surprise nothing, zilch, XXXX, it was then that I decided to call but was put on hold for several hours and when I could n't get through I sent several emails. I then called several other times even staying on hold for as long as XXXX only to be hung up on, and when I finally did get through no one could help me at all in fact the representative seemed to be in the dark as much as I am. Fast forward it has now been 10 days of the same thing, it is now the XXXX and nothing has been done and my money is nowhere to be found. I am extremely frustrated but it feels like I will never see my hard on money again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax discovered a massive security breach of confidential information including but not limited to social security numbers and names of their consumers. In addition to this lapse in security of important information they did not see fit to notify the affected parties until over 2 months after the fact. 

They have made no sincere attempts that are visible to the consumer to correct this error and have instead sought to intimidate the consumers for their own mistake by adding an unenforceable arbitration clause to the complimentary credit monitoring service they are offering to affected users.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed a dispute on acct XXXX XXXX XXXX acct # XXXX dues to no late payments were made during the time of this acct. I requested them to provide statements of all payments and missed since the account was opened. Experian denied to follow up with the investigation. I was recently notified that the CFPB filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This is similar to my current situation. Experian has not attempted to remove or correct my information. I am requesting that this derogatory remark be removed or corrected IMMEDIATELY as it's affecting my chances to refinance my mortgage. Experian violates my rights as a consumer, as well as federal laws.
Product: Bank account or service

I owed XXXX bank an amount of money have paid the amount off over almost XXXX years ago. Arvest bank has since purchased XXXX bank and has refused to take debt owed off my credit report even though arvest has given me letters stating the balance was paid off. I have sent numerous emails and made numerous phone calls all which have said they will take this off my credit report. They have never taken this off my credit, and are now failing to return any calls or emails.