23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, we send a letter to OneMain Financial Group in regards to a letter they sent us dated XX/XX/XXXX that our mortgage in the amount of {$4200.00} was transferred to them on XX/XX/XXXX. We attempted to call them seeking what is this. We were asked to provide personal information. We were leery of this so we generated and mailed out a letter seeking documentation of this mortgage debt. Nothing was provided. We received another letter from them stating the same amount but a different transfer date. It went from XX/XX/XXXX to XX/XX/XXXX. This must be a scam since we do not have a mortgage in the amount of {$4200.00} that was originated on XX/XX/XXXX. The co-borrower, XXXX XXXX, is my husband and we married on XX/XX/XXXX. Any debt occurred after this date would have been in my married name as XXXX XXXX XXXX versus XXXX XXXX. Also, for all financial transactions, we both utilize of middle initial. OneMain Financial has not provided us with any documentation or who the previous lender/servicer was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an extremely low score all items paid on time and no derogatory they have an issue with the score in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1200.00}, {$0.00}, {$9200.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had 3 mortgages with Chemical Bank. ( XXXX XXXX area ). The company changed hands to TCF in XXXX. I sent the 3 mortgages through my bill pay as usual in XXXX. TCF put all 3 payments onto one house which sold. The payments were clearly indicated by the bill pay system. They sent us a notice with late fees for not paying the other 2 mortgages. In XXXX I sent the mortgage payments by USPS. Then they found their mistake. In the meantime our credit score fell to XXXX from XXXX ( XXXX 'XXXX   XXXX  ). That is 110 points. Since that time, 2 houses have sold and the 3rd will close on the XXXX of XXXX. They said " we are sorry and have done all we can do! 
You will have to wait 30 days. '' TCF has said they have corrected their mistake. My question is to what degree have they corrected it? Will our credit score return to where it was before their mistake. It didn't take them long to knock our score down ; why isn't it possible to correct their error without us waiting 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX # XXXX {$4100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX- Account XXXX XXXX XXXX : {$1900.00} Originator Creditor : XXXX XXXX XXXX XXXX-Account Number # XXXX XXXX  XXXX XXXX- Account # XXXX Balance : {$98.00} Originator Creditor : XXXX XXXX XXXX *******Account Number # XXXX XXXX XXXX- Account # XXXX - Balance : {$970.00} Originator Creditor : XXXX XXXX  XXXX XXXX XXXX-Account Number # XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX -Balance : {$90.00} Originator Creditor : XXXX XXXX XXXX- Account Number # XXXX XXXX XXXX XXXX - Account # XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXhis 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicates that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX. 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

Experian has failed to full fill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Someone deposited a check withdrew the funds made withdrawals on an account me and my daughter had together in which we thought the account was closed since we havent used the account in almost XXXX years
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

NetCredit extended a loan to me, in Indiana. I was unaware that their loans were illegal, charging 65  % interest, which is illegal in Indiana. After making some payments, I learned that this is illegal, yet NetCredit continues to threaten and try to collect from me. They also have failed to report, on my credit, the payments I did make.
Product: Credit reporting or other personal consumer reports

The company has violated my consumer rights by reporting inaccurate information on my consumer credit file. I am a victim of identity theft and have no knowledge of these accounts. I have reported this matter to the federal trade commission and included a copy of the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Equifax and XXXX XXXX and I have filed a complaint with your bureau. No one has investigated my claim. I even went as far as filing a XXXX complaint and still each entity set in place to protect me as a consumer has failed so I am trying one last time since I now have proof of this companies erroneous claims of an unpaid debt and obvious inaccuracies. I communicated via email with XXXX XXXX XXXX XXXX as instructed by whomever responded to the XXXX complaint and they sent me a spread sheet of payment history with their company. If you care to pay attention to the spread sheet it shows months on non payment however notations of re connection of service. How can a gas company provide me with service AND reconnect service without me paying for months on end? That just is not possible. I have attached the XXXX spreadsheet and a screen shot of the email communication confirming that the payments left blank is indeed what the company shows. Again i'm asking that this collection be removed because there's just no logic to their claim. I as the consumer should not be held responsible for a {$13000.00} collection from XXXX XXXX when its clearly an error on the gas companies behalf. They are refusing to admit fault and recognize that this does not make sense.
Product: Debt collection

This account is not mine. The address, phone number, and name does not even match. I requested them to delete it and have not received any information in regards to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times about my account issue. All they say is it's being escalated. When fax them info they say they never received it. They send me letters saying they have no accounts for me. When I call I speak to them about my account every time. My credit score can not be pulled at all by anyone or company. The public great score on XXXX XXXX is not the correct score. My score and account history have not been updated since XXXX of XXXX. Everytime I log into my account online it sends me a message with an error code that says XXXX. It says to call and give agents this code. I've called and sent letters and faxes so many times and they just keep saying it's been escalated to there tech team. It's been months now I can't apply for loans or credit at certain places. They aren't doing anything at all this is an internal issue with there systems online I've seen this has happened to many people and they didn't help them either. Please help me with this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that my personal information is incorrect. This inaccuracy has led to the appearance of unknown and inaccurate accounts on my credit report, which are not associated with me in any way.
Product: Debt collection

I told them they have the wrong number and the person they are looking for does not live here, has never lived here and I have never even heard of this person.
Product: Credit reporting

XXXX XXXX XXXX ACCOUNT # XXXX FRAUD ACCOUNTQUALITY XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN deleted the following information from my credit report XXXX This item was removed from your credit report. Please review your report for the details. This deletion was based on Deleted - This item was removed from your credit report.

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that experian has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion.

**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
2. Ensure that [ Name of Credit Bureau ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Experian regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Hello, First, I received a letter dated XX/XX/XXXX from my student loan lender, Navient, stating that my Income-Driven Repayment Plan had been approved. Then, I received a letter dated XX/XX/XXXX stating that I had been granted an in-school deferment until XX/XX/XXXX. Then I received yet another letter dated XX/XX/XXXX stating that they had updated my payment schedule. One payment of {$0.00} is due on XX/XX/XXXX. Then, 131 payments of {$300.00} beginning XX/XX/XXXX. This directly violates the terms of the IDR or deferment agreement and contradicts the IDR payment plan that I was on ( {$0.00} a month because I don't have taxable income ) or my deferment plan which is not due until XX/XX/XXXX. I don't know which plan I am on now, and they have refused to clarify this information when I have called them.
Product: Debt collection

Today, XX/XX/XXXX, I received notice that I had a credit alert that a derogatory mark was placed on my file. I contacted the agency listed, National Recovery Agency, at XXXX and was advised that I owed a debt of {$270.00} from XXXX to XXXX XXXX XXXX. They advised the notice that was mailed to me was in XXXX. I advised this debt was paid to the original creditor and asked how they can all of a sudden begin credit reporting me without contacting me. I have lived at the same address since XXXX so they had plenty of opportunity to reach me. I asked how to go about providing proof that this debt was paid and that I would absolutely not be paying them, to which they kept giving me information that the dental office stated ( such as last payment date, etc ). To be honest, I became extremely angry because it was like talking to a wall. I can clearly provide proof this debt was paid, and was given NO information on how to go about doing so. If they simply contact the company that hired them, they would know immediately they are attempting to collect on an invalid debt. So in summary, I paid for dental services directly to the company that provided the services back in XXXX, but this debt collector is coming out of nowhere 4 years later by hitting my credit report, with absolutely NO ATTEMPT AT CONTACTING ME.
Product: Credit card or prepaid card

Good afternoon, I am a XXXX American Express customer and generally plan to pay my monthly balance in full each month. Recently, American Express advertised and promoted a service called Plan It, which allows for customers to pay purchases over time for a fee. In this instance, American Express was promoting this service for no fees to attract customers. 

On XX/XX/XXXX, I created a Multi Transaction Plan for {$5500.00} to be paid over 12 months with a monthly payment of {$460.00} and no monthly fee. This information can be verified in my credit card statement with a closing date of XX/XX/XXXX. 

Over time, I have noticed that it is easy to make payments to American Express using the app or website, but very confusing to see how payments are applied. 

The credit card statement with closing date of XX/XX/XXXX, shows that American Express applied payments to my Plan balance, something that I did not intend to do. Payments that were submitted that were in excess of my non-plan balance were applied to plan ( {$2700.00} ). The result now is that I have a balance of {$6600.00} due this month, rather than {$3900.00}. 

From my understanding, if I do not pay this amount, I will start accruing interest on my non-plan balance pursuant to my cardmember agreement. 

On XX/XX/XXXX, I called the American Express customer service telephone line indicated on my credit card to see if they could help. The first customer service agent asked a series of questions and indicated she could not help and transferred me to the plan department to see if they could assist. The plan department asked me the same series of questions and indicated they could not assist. The plan department also indicated they could not escalate the issue. On the same date, I signed on to my American Express account and initiated a chat with an agent seeking the same help. Two agents and one supervisor could also not assist. 

I am forwarding this complaint as I feel that it is confusing for customers to see how their payments are applied when they are making payments on their accounts with American Express using their online tools ( website and app ). Credit card companies should not penalize customers for paying early so that they can collect interest based on a confusing payment hierarchy that is not easily seen or understood. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/year>, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX IN XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$41000.00} XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$41000.00} XXXX XXXX XXXX : {$0.00}
Product: Debt collection

There is a collection account for XXXX XXXX that was opened in XXXX of this year for {$910.00}. I did not open this account. I have AT & T. This was fraud. I'm asking for the removal of this collection account. Thank you.