23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred from one company to another in 2015. I sent two payments to Loan Care in Virginia and they have failed to submit the payments on to the new servicer which is XXXX XXXX XXXX. I have dealt with this for a very long time patiently. I need proof that they sent the money as XXXX XXXX XXXX says have n't received it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EXPERIAN reporting agency , block information appearing on my consumer 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 consists of XXXX XXXX  ACCOUNT # XXXX OPENED XXXXXXXX  AMOUNT : {$54000.00}. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft.
Product: Mortgage

Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 
2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 
3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 
4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing.
Product: Credit card

To CFPB I am writing to express my dissatisfaction with the way Wells Fargo Bank handled my complaint. I filed a complaint on and I have not received any satisfactory response or resolution from your bank. 

According to your own [ Complaints and Feedback Policy ] ( XXXX XXXX XXXX ), you are supposed to acknowledge my complaint within and provide a final response within However, it has been since I filed my complaint, and I have not heard anything from you except for automated messages and empty promises. 

This is unacceptable and unprofessional. You have failed to meet your own standards of customer service and violated my rights as a consumer. By delaying and ignoring my complaint, you have effectively made it expire and prevented me from pursuing any further action. 

I demand that you take my complaint seriously and provide me with a fair and timely resolution. I expect to hear from you within with a detailed explanation of what you have done or will do to address my issue. If you fail to do so, I will have no choice but to escalate my complaint to the appropriate authorities and seek legal recourse. 

Sincerely, XXXX
Product: Mortgage

A payment of {$1500.00} was sent to Ocwen on XXXX/XXXX/15 as an additional principal payment on my loan. another payment of {$1800.00} was sent on XXXX/XXXX/15 as the actuall mortgage payment. Ocwen added a fee of {$49.00} to my statement assuming that the {$1500.00} was the true mortgage payment of {$1500.00}. They adjusted it, yet continually re-add the {$49.00} fee to my statements so my principal balance is always {$49.00} higher than should be. 
In frustration I sent a letter to ocwen on XXXX disputing, and they continue to say account is corret.
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.

The letters are stated with items and issues.

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

There Are some unauthorized Inquiries on my credit profile that needs to be removed For Starters : XX/XX/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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I spent 4 hours trying to move {$50.00} from my venmo to my XXXX and no representative could successfully help me for some odd reason than I added my bank card to attempt to transfer my money to my bank account and they froze my account and will not allow me access to my money and they fail to give me any reason my account was locked
Product: Payday loan

I called and an employee said it was a payday loan from XX/XX/XXXX. Then said a complaint was filed in XX/XX/XXXX ( I was overseas ). Then said there was no such thing as statute of limitations and threatened to take me to court. She never verified anything and was rude. She ended up hanging up on me. Not once did she say this was an attempt to collect a debt or that they were a collection agency.
Product: Credit reporting or other personal consumer reports

The unvalidated late payments remain on my credit record despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I checked my credit report with Trans Union, XXXX, and XXXX, and noticed that my personal information is not 100 % accurate. I want my personal information to be updated and reflected on my credit report accurately upon receipt of this complaint. Please see attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have no knowledge of this account I called and spoke to someone about this being my account and to correct the mistake I was told it would be removed then a month later on my report this was open up on XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : amount. XXXX Account Name : [ XXXX ] Account Number : [ XXXX ]
Product: Student loan

I 'm a co-signer on a private loan with Navient. Recently, the borrower, myself and the servicer have made arrangements to consistently pay the loan with automatic debit payments every month. Even though the payments have been received, the online account continues to show payment delinquency & late fees. This causes multiple phone calls to the borrower as well as myself, the co-signer every month. I 'm tired of the continuous communication with the loan department even though we 've reconciled the account numerous times. It is bordering on harassment at this point because Navient can not get their technological affairs in order.
Product: Credit reporting or other personal consumer reports

I recently signed up with the 3 consumer reporting agency's- XXXX, XXXX, and Transunion to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' ( 2 ) In accordance with the written instructions of the consumer.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer.

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}
Product: Bank account or service

I applied for a refinance and was pre-approved. The sales agent said if the loan was not approved the house would not be appraised or the appraisal fee would be returned. My house was appraised but I never was informed about the status of the loan. I was cut off and all correspondence by me has not been answered. I have requested a return of the appraisal fee and I have had NO ANSWER. The process was appalling by all concerned and I would not recommend this bank to ANYONE.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had an Apple Card since XXXX of last year which is a credit card which can be used via mobile wallet. In XXXX I discovered an identity theft issue with my Apple XXXX  account where someone had opened a bank account under my name using my old drivers license from XXXX Nebraska. After I reported the identity theft issue to Apple my account number for the Apple Card disappeared from my wallet.I also received account statements without account number. Also my device got stolen. For the last two months Apple has refused to give me access to my original Apple ID account which I have been using for the past 7 years and has my personal pictures and data in iCloud back up. Also I was not able to reset my password even though I have my recovery phone. 3 of my Apple devices have been stolen after this incident including my Apple XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

I am still not able to access Apple Card account or use the physical card. I received an Apple Card statement after two months stating my payment was due. This has negatively affected my credit score.
Product: Debt collection

The SSN number belongs to the SSA and anything purchase with that identifier number is a obligation of the United States 18 USC 8. means that anyone attempting to collect a debt from me is guilty of false claims act ( FCA ), 31 USC 3729.

25 CFR 11. 417
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not have an account with this company. In fact my lease where I was living was signed in XX/XX/XXXX. How did I open an account in XXXX of XXXX? I need to see documents that I signed with this company. The company that I was with before the lease was up was called XXXX XXXX thats shows on time payments for every month! As well XXXX XXXX no longer exists! I need this removed immediately to no longer hinder me seeking a home for me and my children. I have the lease agreement for the home I was in and the new home I moved in before this company says this account was opened! Another this it has my maiden name of XXXX XXXX, I got married in XXXX of XXXX and dropped my maiden name then! Everything I open is in my name XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. The accounts below should be corrected at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a refund from XXXX for a purchase that I used using my coinbase card in the amount of {$320.00}. They told me that there was a known issue with refunds that has been resolved on Monday XX/XX/XXXX. 

I still have yet to receive the refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

After thoroughly reviewing my credit report, I have identified multiple accounts that do not pertain to my financial activities. These entries have not only damaged my credit standing but have also caused me significant distress. I demand immediate action to rectify these discrepancies.
Product: Money transfer, virtual currency, or money service

XXXX ... I am a XXXX and was approached by a " client '' named XXXX XXXX who said he was due an amount of money from XXXX for a wrongful termination of about {$120000.00}. He gave me the email of the person who he claimed was XXXX XXXX at XXXX. He signed a retainer agreement with me and provided the " settlement agreement '' with XXXX. I got XXXX to send a check which was supposed to include legal fees and interest and they sent a " cashier 's check '' to me by regular mail, not XXXX  ( the usual way you would send a check of that amount ). It was written on a Citibank account. But when I brought it to XXXX  XXXX XXXX to deposit, my bank told me it would not " scan '' and that I should be careful and have them wire the funds to me. I then tried to call Citibank to verify that it was a good check but because of Covid, no one could find the right person to answer my questions but the few that talked to me indicated that it would not have a cashier check no on the top right AND an account number on the bottom. I then looked at the emails again and saw they were using XXXX instead ofXXXX and then realized it was a scam. XXXX XXXX told me he was traveling to XXXX to buy drugs to set up a lab to make a Covid vaccine. I have the original check, envelop that went through the U.S. Mail, emails, settlement agreement and retainer agreement he signed with me, and documentation of all phone calls. He is now pressing me to wire him the money which of course I will not do.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.