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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX I did not open this account with this company please remove under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX There are multiple account on my account I did not authorize and need removed under the Subject : Dispute of Incorrect Information in Credit Report Dear Experian I am writing to formally dispute certain information that I believe is inaccurate or incomplete in my credit report, specifically concerning the accounts listed above. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o. 

Details of the Dispute : 1. Account Name XXXX XXXX XXXXrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : This information on reporting to my credit report is inaccurate. I have not had no contracts with these company 's and is requesting for this information to be deleted. 
Reason for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o. I need this information deleted as this information is incorrect reporting to my report. 
I request that you investigate the above-mentioned accounts and provide me with the results of your investigation. According to the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. 

Additionally, if the information is found to be inaccurate, I request that you take the necessary steps to correct or remove these items from my credit report. 

Please send me a written confirmation of the results of your investigation and a copy of my updated credit report if any changes are made. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to XXXX XXXX them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through XXXX using my chase credit card and they sent me a tracking # via XXXX. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " XXXX  '' on XXXX and message so I have no way of contacting them. XXXX would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes ( one w XXXX, other w chase ) and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.
Product: Checking or savings account

IM trying to get an apartment that is income restricted, since chime not a bank the company needed a form to be filled stating that I used chime as my main banking. It was email twice and we never received a response. When I finally call them they lied and said they never got the paperwork. I told them I will email it myself and could they please fill it asap. This is where the lies come out. They sent me an email stating they did receive the forms but refusing to fill. Company policy which I know this is a lie too, my coworker had the same issue and they finally filled hers. This has cause me so much grief and unfortunately I could not get the apartment. Im a single mom of XXXX boys and can not afford too much. This was gon na to be the perfect place for us. A XXXX bedroom was only {$730.00}. May I add the document they recieved is state government.
Product: Debt collection

the collection company has been re-aging account and illegally reporting it to credit reporting companies. This debt is beyond the statue of limitations.
Product: Debt collection

Rec. call from someone at XXXX stating he was trying to set up time to serve me papers on a civil law suit, that his company had been contracted by XXXX XXXX XXXX. Asked what this was about, was told records were sealed for my privacy but that I could call XXXX and give reference # XXXX for more info. Did so, was told I was being sued for {$3500.00} for an account through National City/PNC Bank that defaulted in XXXX of XXXX. I have never had an account or loan from either of this institutions. Said they sent me a letter 45 days ago ( I never received a letter ) and when I didn't respond they assumed I wanted to go to court. Once served, it would be a 3 day speedy trial, and I'd also be responsible for court fees on top of the debt, and that the settlement agreement amount ( which hadn't been mentioned before ) of {$1500.00} would no longer be available. I asked what kind of of loan or account this was for and was told he didn't know, I'd need the itemized billing which I could only received in discovery, once it went to court. Was told the evidence against me was the 2 forms of ID used to open the account, and he proceeded to give me my correct drivers license number, social security number, and address. Told me they would put a lien on my house, garnish wages, and take action against my XXXX XXXX XXXX. I told him I wanted to consult with a lawyer friend of mine as this sounded like a scam. I hung up, and called my friend, who also is fairly sure this is a scam. What I am worried about is that someone may have stolen my identity and actually opened an account in my name.
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 accounts. 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. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. Please remove these accounts ASAP.
Product: Mortgage

Associated Bank in MN is apply a lender credit based upon the rate chosen and calling it a " grant '' so that the funds can be applied towards the down payment required of the borrower. XXXX recently issued a statement that this will no longer be allowed. The lender credit for rate selected should not be considered a " grant. ''
Product: Consumer Loan

Ally Financial is reporting to the credit bureaus that I owe them {$6600.00} based upon an account that I has with them over 7 years ago. I disputed that balance with the credit bureaus, but the credit bureaus told me that Ally Financial said they think the debt they are reporting is legitimate. I firmly believe that I have no outstanding balance owed to Ally. I have contacted Ally Financial for some time now, requesting that they supply me with a detailed explanation of the charges they are reporting, which constitutes the {$6600.00} balance they are reporting that I owe. They refuse to send that information to me. I believe it is completely unfair for them to continue to report I have an outstanding debt without supplying any sort of explanation of where this balance came from.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Carrington LLC for the XXXX XXXX payment. XXXX XXXX XXXX did an escrow analysis XXXX 2015 and made the determination that I was paying too much money so they reduced the XXXX payment. Carrington assumed the loan in XXXX. I never received a statement from Carrington or any information regarding the loan until XXXX XXXX with the new account #. I paid the loan on XXXX XXXX acccording to the statement from XXXX XXXX XXXX. Carrington refused to apply the check to my loan and is holding payment stating that my account is in arreas and I am required to pay the additional escrow amount. When the loan was transferred, Carrington failed to get all the documentation. I confirmed with XXXX XXXX XXXX that Carrington has all the necessary documentation to reflect that the payment was lowered as of the XXXX XXXX statement date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately
Product: Prepaid card

Not able to access my funds with rushcard. 
Need to pay bill by tommorrow and im stuck without my direct deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft victim made reports with FTC local PD and shared identity theft reports with three major reporting agencys and have little resolve also submitted countless disputes Transactions history are on report and late payments both are not permitted by FCRA also o have additional rights as stated in FTC for victims of identity theft. Also information has been compromised by multiple corporations. Proper investigation of information accepted by reporting agency as true and factual not conducted as evidenced by deletion of false inaccurate information as a result of disputes. Deletions are admissions and due diligence not carried out and proper investigation of furnished information was and continues to not be executed by any of agencies
Product: Student loan

I have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : Experian : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX  XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance XXXX {$1100.00} comments : Not Mine XXXX : Experian : XXXX XXXX XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not XXXX XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX  XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine XXXX : Experian : XXXX XXXX  XXXX XXXX XXXX : {$820.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$1200.00} comments : Not Mine XXXX XXXX Balance : {$1300.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$490.00} comments : Not Mine XXXX XXXX XXXX XXXX XXXX : {$19000.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$2400.00} comments : Not Mine XXXX XXXX XXXX XXXX Balance : {$10000.00} comments : Not Mine XXXX XXXX XXXX Balance : {$1100.00} comments : Not Mine
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( XXXX XXXX XXXX  ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( XXXX ). 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 ( XXXX ) and regulation E. these actions have caused significant inconvenience and financial loss, i seek appropriate redress for these violations.
Product: Mortgage

We did a mortgage modification because we could not afford the payments of approx. {$1600.00} a month that became final on XX/XX/19 with the new monthly payment of {$1400.00} beginning XX/XX/19.

On XX/XX/19 I called Carrington Mortgage to see if I could make the XX/XX/19 payment early, I spoke to XXXX who then told me that the payment was now {$1500.00}. I explained to her about the Modification however she said that is the amount in her system of the payment due.

On XX/XX/19 I called Carrington again to ask what the payment amount is and first spoke to XXXX  who told me {$1400.00} but then transferred me to XXXX who told me we owe {$570.00}. I was then transferred to XXXX  who then tried explaining that they did an Escrow Analysts and came up with these new figures. She then stated that if I had a " Conventional loan '' they could work with the numbers but since it was a FHA loan they couldn't.

Then on XX/XX/19 we received a monthly mortgage statement stating that we owe {$2000.00} for the month of XX/XX/XXXX.

We are very upset that we haven't even made our first payment yet and the amount has changed several times.

Why wasn't an Escrow Annalist completed before the signing of the modification?

We do understand that escrows change from time to time but we know for a fact that neither our taxes nor our insurance have went up since the signing of the mortgage modification on XX/XX/19.

Had the analysts been completed prior to the agreement of the modification we would have had a better understanding of the monthly payments due.

At this point the modification was basically useless because our payments are right back to not being affordable before we could even make the first payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed XXXX  XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX  XXXX XXXX - XX/XX/2018 AMOUNT XXXX
Product: Checking or savings account

I opened an account with Bank of America in 2016. Bank of America closed my account because a check came through that did not clear. I did not receive payment for the check but they closed it and labeled it possible fraud. Although no fraudulent activity was found my account remained closed and when I try to open a new account with another institution they deny me because of this account with Bank of America. I tried to resolve this with Bank of America and they say they report it for 5 years and then remove it. It has been five years and it is still showing up. Can you please help me resolve this issue? 


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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX
Product: Credit card

This account constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The account in question is : SYNCB/CARE CREDIT XXXX
Product: Mortgage

Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. 

A XXXX XXXX XXXX encouraged me to sign the IRS XXXX  Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. 

XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. 

XXXX XXXX met with buyer on XX/XX/XXXX for closing. 

I have spoke with a mortgage fraud attorney. 

I do have text message and email evidence of this complaint.
Product: Debt collection

I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.
Product: Credit reporting or other personal consumer reports

Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address XXXX XXXX XXXX, XXXX, CA, XXXX