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

I am a victim of identity theft I currently have XXXX collections on XXXX, XXXX, Experian, XXXX That are due to fraud and I want all them deleted I have dispute and called to have them resolved and removed and they did not give proper identification under fare credit act I will list all items that need to be deleted I did not give permission.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

MOHELA increased the interest rates on my student loans. My loans were transferred from XXXX XXXX to MOHELA when I submitted the XXXX form. Starting in XX/XX/2023, I alerted MOHELA that the interest rates were higher. They never fixed it and refuse to reply in writing. They simply respond by saying that I need to call them.
Product: Mortgage

In XX/XX/XXXX I began the process to refinance my home with my existing lender, NewRez. It is now mid XX/XX/XXXX and the process is still pending. I continually check in with them and when they do respond I am told to look at their customer portal on their customer application or am told that they are waiting for documents that I was never made aware of. The customer portal on their app is no help as it is full of inaccuracies such as the estimated closing date being XXXX/XXXX/XXXX. I have made it a point to provide them with requested documents within 24hours of me learning about it but it seems the longer they take the more they need updated documents like paystubs and bank statements.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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 accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : AGENCY XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX  XXXX had an applicant using my identity submit an application. A text message came to my cell phone from phone number XXXX TransUnion : XXXX XXXX XXXX tried to pull your TU credit report but it is FROZEN. Log in now for details. I had the same alert come to my XXXX Account as well as email, XXXX TransUnion email address alert. I filed a police report XXXX. I have had several fraudulent occurrences since XXXX.
Product: Credit card

**Consumer Name : ** XXXX XXXX **Consumer Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/year> **Contents of Complaint : ** This CFPB complaint has been filed to request, pursuant to **FCRA 605B ( 15 U.S.C. 1681c-2 ) **, that you, the XXXX 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 receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX, with a balance of ** $ XXXX. 
2. A personal credit card account opened at XXXXXX/XX/XXXX Service** on XXXX XXXX, XXXX, under the account number XXXX, with a balance of ** $ XXXX. 
3. A collections account opened at XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX, with a balance of ** $ XXXX. 
4. A collections account opened at XXXX on XXXX XXXX, XXXX, under the account number ** ( private ) **, with a balance of ** {$690.00}. ** 5. An account opened atXX/XX/XXXX on XXXX XXXX, XXXX, under the account number XXXX, with a balance of ** $ XXXX. 
6. An account opened at XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX, with a balance of ** $ XXXX. 
7. An account opened at XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX, with a balance of ** $ XXXX. 

Additionally, the following hard inquiries on my credit report are fraudulent : - XX/XX/XXXX I have attached a copy of my consumer credit report maintained by you, showing the aforementioned fraudulent items, as well as a detailed list of the hard inquiries in question. 

I do not recognize these accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. 

As further proof, I have attached a copy of the **FTC Identity Theft Criminal Complaint # XXXX, filed with the US Federal Trade Commission , confirming that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Thank you for addressing this matter promptly.
Product: Debt collection

I received a notice that I had a derogatory report on my credit report from H & R accounts, in XXXX IL, account # XXXX, who is trying to collect a debt for XXXX XXXX. I have not had any previous correspondence with XXXX XXXX or with H & R accounts until I noticed the derogatory comment. H & R stated that I used XXXX XXXX, in XXXX IL, in XX/XX/XXXX, to take me to the hospital. I have never been to XXXX IL, nor have I ever used XXXX XXXX  for any type of service. H & R accounts is trying to collect a debt of XXXX, which is not mine. This account was placed in collection to H & R in XX/XX/XXXX, it is now XX/XX/XXXX and, again the only correspondence I received was through my credit report, I have filed complaints with XXXX, XXXX and XXXX, I have also contacted H & R who sent me an affidavit to file with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a first account was taken out in my name but paid! 
XX/XX/XXXX a second XXXX XXXX XXXX for the amount of XXXX was taken out in my name fraudulently. 

I was at the time XXXX in the XXXX XXXX of the United States of America Starting XX/XX/XXXX and XX/XX/XXXX Which leaves me unable to have opened either of the above stated accounts! 

i have contacted all parties of this matter and no actions have been taken! 

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
Product: Money transfer, virtual currency, or money service

I was laid off in XXXX and have been freelancing since. My freelance clients requested that we use Bill.com for payments, so I signed up for an account. I actually had a lot of trouble even using the service for a basic acceptance of payment, with a lot of back and forth with my clients billing dept, to complete the first payment. It was a stressful and embarrassing experience, and I was eager to get on with my actual work. 

After a month, it automatically enrolled me in the AP / AR paid subscription for $ XXXX/month, when I had no need for the services. After six months of payments, I couldn't fathom why I needed to pay {$50.00} even in months that I did not have work lined up to receive payments. 

I believe I spoke to someone on the phone, who confirmed that I was enrolled in the AP / AR, as opposed to a Spend & Expense account. 

Later, when I filed a complaint with the XXXX, I got a call back, and they said they would refund two months of payments. They confirmed I had been billed for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They refunded two months, though I requested at least a 50 % refund. 

Refund request aside, I think its predatory that I was targeted as a single, struggling small business / individual, and automatically charged fees when all I wanted to do was accept the money I earned. They should not be allowed to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Mortgage

To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- DITECH FINANCIAL LLC ( at XXXX XXXX  XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX  XXXX, XXXX, AZ XXXX ) ( DF ) and ( XXXX XXXX ) /XXXX ( a XXXX Company at XXXX XXXX  XXXX, XXXX XXXX XXXX VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF DF AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both DF and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by DF in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with DF.

3 ) For calendar years XXXX  and XXXX   DF met its obligation under the Contract and subject loan which DF designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $ XXXX/year ). 
4 ) During calendar year XXXX DF transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted DF and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at DF and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from DF and therefore could not be held responsible as a result. Finally each of DF and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result.

Yours Truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report by XXXX. 
I found inconsistent data with my report, such as a phone number ending in XXXX that I did not recognize. 
Most importantly unbeknownst to me was a hard inquiry for a capital one bank credit card with an inquiry date of XX/XX/XXXX. 
The removal date is set to be on XX/XX/XXXX. 
I previously submitted a complaint regarding the same account be closed. The account was closed, however the hard inquiry remained on my report. 
I request the following be investigated and the hard inquiry to be removed from my report.
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. 1.XXXX XXXX  {$1000.00} has violated my rights. 5 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. your company has been reporting this account inaccuratly has failed to remove it from my report
Product: Payday loan, title loan, or personal loan

Wells Fargo accepted my application for Paycheck Protection Plan, after months of waiting, I finally received an email asking me to take a lessor amount for my original amount may not be approved, weeks later I receive an email to electronically sign my Promissory Note for the original amount requested. Nevertheless, 24 hours later I got a wire transfer into my account for less than I had signed the promissory note for, I call customer service and was transferred around for about an hour of waiting on each transfer to talk to a different person. I was finally told to file a complaint with customer care and was transfer, the individual took my statement and said he'd get back to me within 48 hours with a solution to my shortage of money problem. I waited for 4 days and called customer care again and this time it got escalated to upper management with yet no answer for why I was shorted, so again I got transferred to XXXX in Customer Care, whom took my complaint, but went the extra mile to get XXXX from the lending department on the phone. XXXX was passive and said you got what you agreed to referring to the email I had gotten several weeks before the promissory note. He asked for 48 hours to get directions on how to cancel my promissory note without fulling the obligation owed to me via my signed Promissory Note from Wells Fargo that had XXXX Managers signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code $ 1692g, I hold the right to verify the total debt amount, including any fees, payment history, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response.
Product: Debt collection

XXXX needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. Citibank and XXXX have already issued XXXX in both XX/XX/XXXX and XX/XX/XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XX/XX/XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX  and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
Product: Credit reporting or other personal consumer reports

What happened? 
XXXX XXXX has made fictitious 30-day late reportings violating consumer protection laws. I have provided proof of the payments yet the credit bureau insists on reporting incorrect information affecting my livelihood. Additionally, proof off payment has been submitted for XXXX XXXX, XXXX XXXX and XXXX XXXX all with incorrect reportings. Further, XXXX frivolously ignored the requirement to notify my eligibility for participation in the State of FL lawsuit ordering relief to include forgiveness, and/or balance waivers resulting from deceptive practices in violation of Consumer Protection Laws. I request this account be deleted due to this violation and noncompliance.
Product: Credit reporting or other personal consumer reports

Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempts to resolve these issues, and I am in desperate need of your intervention.The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the deletion have been made. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods. 

XXXX XXXX {$350.00} XX/XX/XXXX Account charged off. {$460.00} written off. {$460.00} past due as of XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.