23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from TRANSUNION Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that TransUnion Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX ( Original Creditor : AT T ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$86.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022, I sent out correspondence to First Progress Bank in reference to an account being reported on my Consumer Credit Report and an alleged debt. I requested that the account be verified and full debt validation be completed in compliance with F.D.C.P.A section 809 ( a ) 15 USC 1692g ( b ). Including a official Accounting from the bank and documentation of a contract bearing all party 's signatures. Furthermore, First Progress Bank failed to report that the account is in dispute to the Consumer Reporting Agencies as requested by me in my correspondence. a 2nd notice was sent out to First Progress Bank requesting for this information again as the response received violates me and the law.
Product: Credit reporting or other personal consumer reports

I don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. 
Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. 

Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. 
Account : XXXX XXXXXXXX ; Inquiries : XXXX XX/XX/2022 and XXXX XXXXXX/XX/2022.
Product: Debt collection

I called and talked to a representative with XXXX XXXX XXXX and asked to settle my account, I offered {$500.00} and the lady said they could settle my account for {$570.00}. I paid the {$570.00} on the phone call and was reassured it would be settled and removed from my credit. I recently checked and the payment I paid only took off the balance and the account is still on my report ... not removed as agreed In my phone call on XX/XX/XXXX. Ive called numerous times and have been given the run around each time or even hung up on, on XXXX of the calls before I was transferred the lady acknowledged that she seen the notes that I settled the account out to be removed from my credit and the next representative I spoke with briefly, was put on hold then hung up on. At this time I need the phone call recording to be pulled ( which they should have being they are a debt collector ) to verify the conversation held on XX/XX/XXXX and I need this collection item removed from my credit as promised when I paid the agreed settlement amount.
Product: Debt collection

I received several bills from XXXX XXXX  in XXXX. As the bills came in, it became confusing as to what was redundant and which was new. After paying several of their bills, I began getting correspondence from a collection agency ( XXXX XXXX of the city of XXXX, license # XXXX ), demanding payment of debt owed. As each demand arrived, I sent payment not sure if it was already paid or not. I began getting phone calls demanding payment as well. Today, I received my second notice of demand, asking for XXXX. No dollars, no cents. I ask them to stop sending me threatening letters and phone calls to no avail. Consumers should not be threatened with diminished credit for a debt that even the collector agrees is not owed. 
Thanks
Product: Credit reporting or other personal consumer reports

The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I was sued by Calvary SPV I, LLC on behalf of XXXX for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from Calvary proving that they obtained the debt from XXXX. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies violated my rights XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX According to 15 U.S.C section 602 A, I have the right to privacy and my privacy had been violated.

15 U.S.C 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written consent and I did not provide any written consent for my information to be furnished in which this too is another violation.

I DEMAND the removal and deletion of all accounts listed above immediately.
Product: Checking or savings account

I spoke with 2 people today XXXX XXXX between XXXX and XXXX I was not receiving my low Balance alerts and due to this I incurred XXXX in overdraft fees at some point the system should just stop the transactions from going through. I understand the point of the overdraft program and having alerts when they work. All I got was parroting that there system shows the alerts went out and there is nothing that they could do otherwise. This was unethical and unfair. I wanted the fees reversed and they said they ca n't do it even as a bank error.
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 violated the Consumer Financial Protection Act ( CFPA ). 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 me significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Mortgage

Mr. Cooper, formerly dba Nationstar Mortgage makes it almost impossible to submit additional principal payments on my home loan. First, I tried to make principal payments on their web page, but there were only places to pay the full interest-escrow, and principal. On XX/XX/XXXX I sent them a check for {$1500.00} marked PRINCIPAL ONLY along with the account number in the memo section. In addition to this, I sent a letter specifying the purpose of this payment, as well as the Mr. Cooper coupon that specifies additional principal that comes with each payment notice. However, once the check was cashed, I saw that it had been broken down into interest and escrow payments, with only a tiny portion allotted for principal. I must have spoken to three or four different people to try to get it straightened out, but I did get a promise that this would never happen again. 
On XX/XX/XXXX, I got the courage to make another principal only payment, this time for {$4000.00}. I also made a pdf of the check and the payment coupon. On XX/XX/XXXX, I received notification that it had been received, so I went to the website to find, once again, it had been broken down into smaller payments- each covering interest, escrow, and the smallest portions principal. As before, I called to complain, and was informed that it would probably show up as corrected in a few days. I emailed a copy of the pdf to a XXXX XXXX who later emailed me back that I should have received a call. Someone named XXXX had called me with instructions to call her back. She wasnt there when I did call, but someone named XXXX. XXXX took the call and gave me her information so that I could check back with her next week. As of this morning, the account has new adjustments on two of the previously listed deposits of {$1300.00} and {$1300.00} to principal only, but that still leaves me {$1300.00} short on principal-only payments. ( Also, at this time, my regular automatic monthly payment of {$1300.00} posted on XX/XX/XXXX. ) I am weary with this company that sends its own specified deposit coupons and then does not honor them. I have worked with at least four other mortgage companies in my life, but I have never felt so insecure as I am now with this one. Mr. Cooper bought my loan from XXXX ; that is the ONLY way that they would have gotten my business. I wish I could just switch to another company ; but at this point, I would never get the same interest rate and it would cost me several thousands of dollars to set up. 
If Mr. Cooper is doing this to me, this company is probably doing the same to some innocent people who do not know how to check the data online. I would like some permanent solutions.
Product: Checking or savings account

Sallie Mae Bank for the past 30 months has illegally withheld access to my funds on deposit with their bank.
Product: Credit reporting or other personal consumer reports

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

Complaint : NOT OBTAINING THE DISCHARGE PAYOFF LETTER OF MORTAGE FROM BANK ( Citizen Bank ) Ref XXXX I am writing to complain against Citizens Bank for the lack of action to furnish the " discharge of mortgage letter issued by the Deeds Registry at XXXX County in New Jersey. 
In earlier XXXX I sent the last payment of the mortgage in the mail with an additional fee to process the discharge of the mortgage. I was told to wait a month to receive that letter in the mail and as of today I have receive nothing in the mail. I called two times to the Loan Pay Off inquiring about the status of the letter but I was asked to keep waiting and I was assigned a reference number ( as showing above ). On XX/XX/XXXX, I sent a certified letter to the Loan Pay Off Department and a copy to the CEO and President of the Bank Mr XXXX XXXX to demand the letter. Just a week ago somebody contacted me from the corporate office Mr. XXXX XXXX, he left a voicemail at home and since then he did not return my calls. I do not need to speak with anybody else just I am demanding Citizens Bank to  produce the discharge letter of my mortgage at once. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Under the guidelines of FCRA 605B, you are required to erase any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts have errors in the reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX they said on my credit reports XXXX and Equifax I was late 30 Days this car was total, they were in contact with my insurance company XXXX and my Gap both pay them off in 45 Days, they put negative on these to account, had this account since 2016 never missed a payment, no one told me at XXXX to pay a payment in between them waiting on the payoff between both insurance companies, need to change the wording on these accounts, never late, it's hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Office visit dated XX/XX/2017 billed XXXX $ was sent to the wrong health insurance. I called them to provide the correct insurance card and they got paid XX/XX/2017. 

XXXX Hospital Billing still reported me to the Collections. 

I called the Collection ( s ) Agency twice to correct the discrepancy but was asked to pay first. 

I refused as I have proof of payment. 

I called the XXXX Billing again and reported the discrepancy few weeks ago. 

I found out that they have not corrected the discrepancy, and because of this, I am getting higher interest rate for home refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on Experian and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, Experian shows XXXX and XXXX shows XXXX. The date of last payment is XXXX on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

National credit systems contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX  which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.
Product: Money transfer, virtual currency, or money service

I made a transaction yesterday, an amount of $ XXXXBut I found its a scam today. As its still pending, I called JPMorgan Chase which I bank with to cancel the transaction. But they said its already delivered and can not be canceled. I feel it doesnt make any sense. First, Im sure its scam and tried to make up in less than 20 hours. Second, status of that transaction is still pending even now when Im filling this claim, what does that pending mean if I cant cancel it? Third, I got all the scammers information and Im pretty sure its not the first she uses that account to scam, why the can not block that account of some people reported? They asked nothing about the scammer so she can keep it to scam more people. 
I strongly feel my money is not safe in such a bank.
Product: Mortgage

This is not the first time I noticed this part that shows another fee of {$60.00} or other times I just pay it but today I called them and asked them what it was for and why was my payment higher again. This time I was told my payment was higher because the taxes were higher. I don't get it because they say that a lot. Then {$60.00} I was told it was for an NSF fee which I had to send in a full bank statement showing I have never had an NSF with them, in XXXX or anytime, and the {$35.00} fee was for coming out to my property last year to see if I was still living here. I was like who does that? Of course, if I am paying my mortgage on time each month there is no reason to come check. It seems like there are always extra fees being added to my loan and I was a full investigation done on my account. I think the mortgage company is playing games and stealing people 's money.
Product: Debt collection

I checked my credit report 3 months ago and seen Midland credit acc # XXXX on my account for collections i dont know who they are, I sent 2 letters certified mail on XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) & on XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) i sent a letter 15 USC 1692g Validation of Debt & Cease and Desist and they are still reporting this debt on my credit report! THEY ARE REPORTING INACCURATE INFORMATION!!!! 15. USC 1681 S -2A 1 A
Product: Checking or savings account

I have filed a total of two disputes for a combined amount of {$510.00}. One dispute is for {$230.00} and the second is for {$280.00}. Only a provisional credit of {$280.00} has been applied to my account, then withdrawal by Ally. I have mentioned, these transactions are fraudulent, and I immediately notified Ally Bank, the FBI, and reportfraud.ftc.gov. I requested that Ally Bank reverse the amount back into our account. However, they closed the case, stating that the transactions were valid, despite the fact that I never received any goods or services for either payment and my account was blocked. I have attempted to reopen the dispute twice, but they closed it again. As a result, Ally has placed my account in a negative balance of {$180.00}. I have asked to speak with the dispute team at Ally, but the supervisor stated that the dispute department does not speak with anyone. I am extremely frustrated with Ally 's handling of this situation. I have submitted all of the photos they have requested, and they have assured me that I would receive a permanent credit. I have spoken to multiple customer service representatives, including XXXX, XXXX, and XXXX, but none of them have been able to provide any assistance or resolution. The fraud case number provided to me from Fraud.Department is XXXX.
Product: Mortgage

Applied for the loan remodification through the federal government waited never received any kind of information was informed that I needed to be two payments behind so I let those go. Still waited. Received denial for loan remodification. Then issued foreclosure sale date. They informed me total amount of loan was " accelerated '' and full payment was due. Excessive late fees and miscalculated amounts was added. My {$110000.00} loan was {$140000.00} due to save house. I asked for to date pay off amount, they questioned and I replied I would list house and sell. They got angry and stalled my payoff request. I called two days after got a payoff amount. Contacted realtor invested all my money and listed house for payoff amount plus {$7000.00}. Had 45 days to sheriffs sale. Secured buyer and contract. Set closing date on sale 1 day prior to sheriffs auction. That day of closing at XXXX XXXX. My realtor was informed at XXXX by KY HOUSING CORP. THAT THE SALE WAS NO GOOD NOT ENOUGH TO COVER MY DEBT. THEY ADDED MORE ATTORNEYFEES EXCESSIVE PENALTIES TO SECURE MY HOUSE. Va loan was a check to them as well as auction amount. They put me a military veteran on the street with 0 zero nothing and stole my home. I am not trash i put all i had. Nicest house on block. Sold with contract in 30 days. They new I did all remodification on property. They wanted me to suffer and get nothing. They are criminals destroyed my relationship, Credit, AND EMBARASSED ME IN FRONT OF MY CHILDREN AND GRANDCHILDREN. PLEASE GIVE ME JUSTICE. MY LOAN ON HOUSE WAS INFLATED WASN'T NOTIFIED TILL I HAD TO SIGN PAPERS. I MADE {$13.00} HE AND NO WAY I COULD SURVIVE A {$900.00} MORTGAGE PAYMENT FROM THE START. XXXX XXXX THEN SOLD TO KY. HOUSING WHO PUT ME OUT LIKE A DOG. I SERVED OVERSEAS AND MY VA DEPARTMENT HELPED ME NONE. THEY CUT A CHECK TO KY. HOUSING AND KY. HOUSING DOUBLE UP WITH AUCTION $ $ AT MY EXPENSE AND MY CREDIT WAS DESTROYED. MY XXXX XXXX XXXX SPOUSE IS HAVING XXXX XXXX XXXX FROM THE XXXX  NEXT WEEK. I AM BETTER OFF XXXX NOW. PLEASE GIVE ME JUSTICE. INVESTIGATE XXXX XXXX, EXCESSIVE FEES AND ACCELERATED LOAN AMOUNT, AND VA PAYMENT TO KY.HOUSING AND THE AUCTION ITSELF. THEY ALL DID ME ROTTEN AND I AM A FULL TIME EMPLOYED HOMELESS VETERAN WISHING I WAS XXXX. THANK YOU FOR YOUR TIME AND CONSIDERATION. XXXX XXXX XXXX XXXX
Product: Credit card

A payment was made to zales on XX/XX/23 for {$3200.00} and refund for the credit balance of {$1200.00} was requested on XX/XX/23. I was advised that it would be received via ACH within 17 business days then I was told 21 business days. It has been well over the time period & I requested in writing via electronic written message and it was supposed to be sent within 7 days of that request. Comenity bank is violating my rights as a consumer.