23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

my whole purse got stolen with my phone, wallet and all information in it including my social security card & saved passwords. XXXX are XXXX games i used to play but when i won and never received the money i had my account deactivated. somehow both sites are still charging and getting money out of my bank, XXXX & XXXX XXXX when i contacted cash app about it over 2 hours on the phone claiming she was disputing & they said they will do an investigation the call got disconnected when i called back a guy said they do not do disputes over the phone i never heard back so i followed up and still nothing. ontop of not helping it is nearly impossible to get in touch with any agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

Paypal had held my earnings from my PayPal business account. They are not able to give me a reason as to why they have stolen my money. I made the account in order to accept payment on my XXXX store where I sell XXXX XXXX XXXX XXXX XXXX. After I had accepted orders using PayPal and shipped the items, PayPal said I can no longer use their service and are " holding '' my money aka STEALING. I called and emailed them but they don't have an answer for me. please help I was trying to start a small business but they scammed me out of all of my startup funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureaus AGAIN that I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or not authorized. 
XXXXXXXX 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 disputed these accounts numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The accounts need to be removed as it is fraudulent : XXXX XXXX  XXXX Balance {$5600.00}, XXXX XXXX XXXX Balance : {$2400.00}
Product: Debt collection

Reached out to the company on several occassions to resolve the issue after filing a dispute with XXXX. Information/balance that has been reported to the credit bureaus is incorrect. I have a receipt showing I have a XXXX balance. A copy has been emailed over to the Collection agency as well as XXXX. Company continues to attempt to collect a debt that I do not owe. 

Below are a list of dates that I reached out to the company. I will also include dispute date. 

XXXX XXXX : Contacted : XXXX XXXX by email XXXX XXXX by email Dispute : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the companies mixed up and what happened the first time I reported these companies, so I have it right this time. 
They opened an credit card account for me, I enrolled in their credit protection program, I paid extra every month, to help with overdrafts and if you become unemployed and can't make your payments or keep the account open, etc. 
I paid on the card on time, and had a good payment history for about 3-7 months. Then I lost my job, I called and TOLD THEM I lost my job and I couldn't afford the card anymore and to close the account. 
They knew I was enrolled in their credit protection that covers unemployment, and they were supposed to write this off because of the program they offered and I was enrolled in.. So WHY they didn't and still until this day keep giving me flack & putting it back on my credit report, is a freaking mystery to me. Plus I don't owe anything to this company portfolio recovery XXXX 's, because I never got a product from them in the first place, so they shouldn't even be able to keep running my credit scores down by re-putting it on my credit at all. It's like they get some sick, twisted sense of self or their jollies off on bothering me and ruining my credit ratings at all 3 report bureaus.. 
This should have been taken off my credit report by now, and they RE-PUT it Back on my credit report AGAIN, running my credit scores DOWN Again! 
Something needs to be done immediately, because this is getting really ridiculous now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX is reporting a XXXX reported by XXXX XXXX not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment. 

I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from XXXX XXXX to BSI Financial but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX. 
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by XXXX XXXX XXXX, supposedly collecting debt for XXXX XXXX, XXXX. I XXXX both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for three years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with Equifax credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the report.
Product: Mortgage

1. On XX/XX/XXXX I got a letter from Wells Fargo Home Mortgage requiring me to submit proof of flood insurance on a home I own and on which they hold a mortgage. 
2. The mortgage has been in effect since XX/XX/XXXX and I have never required flood insurance. This is probably because the home is in the middle of the XXXX XXXX and about a XXXX miles from any water bodies. 
3. On or about XX/XX/XXXX, I called WFHM to inquire about this. They admitted it was a mistake. They said they would send a letter confirming that flood insurance was not required on the property. No letter came. 
4. On or about XX/XX/2016 I called WFHM to ask about the letter. They assured me one would go out. WFHM has no identification of its phone agents, they will not send an email, and the only identification I got was from some phone attendant named XXXX. Again no letter came. 
5. The letter is important because : a ) Wells Fargo Home Mortgage refinanced this home in approximately XX/XX/XXXX, promising a rate of 3.75 %. When the documents came for signing, the rate was 4 %. It took a complaint with the CFPB and the Wyoming Attorney General to resolve the issue in my favor, since WFHM was unresponsive. 
b ) This is the same company that took it upon itself to take out an insurance policy on the home, charging me {$3000.00}, when I already had insurance in place. It took a WF Bank employee 2 months to reverse the charges.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Requesting a Method of Verification Letter I recently received an answer to a dispute which state that the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX, XXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Credit Bureaus to dispute inaccurate information from my Credit Report and I written them that within 30 days if they didn't finished there investigation than they want to delete those accounts from my Credit Report. Now its been 30 days completed and Credit Bureaus didn't sent any investigation result or I don't know they investigate those accounts or not and not delete those accounts from my Credit Report and did fraud under FCRA law.
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns about Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times & i reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Zelle not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving the the user vulnerable to scams. This raise serious concerns about customers safety.
Product: Mortgage

Rushmore Loan was servicing my home mortgage at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, we sold the home in XX/XX/XXXX& moved to XXXX  FL inXX/XX/XXXX. I never received my escrow check as I closed out my mortgage with them. I was a victim of mail fraud, provided all the proper documents to them & XXXX XXXX who cleared the check in XX/XX/XXXX. This has been going on for over 6 months without any closure on the issue, horrible customer service on where the case stands. I call XXXX XXXX every 2 weeks & they tell me the case is still open/pending, & no one at Rushmore gets back to me after continuous voicemails & emails to my initial given POC. XXXX XXXX says they can't help me or provide any further details since my dispute/claim is with the issuer of the check of Rushmore. The amount is for {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( Experian, XXXX, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I sent the money and the person 's cashapp got banned and after cashapp kept closing my tickets and stopped responding on XXXX saying that they put in void notification but my bank saw nothing of a void notification they closed the ticket and stopped responding. 
This payment was worth a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the XXXX XXXX in XXXX 2019. The company is still reporting the account as 30 days late
Product: Debt collection

I was initially contacted by XXXX XXXX over XXXX debts from Capital One in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted XXXX XXXX about disputing the validity of these debts and they stopped collecting on XXXX of the debts but the other XXXX they sent me credit card statements showing addresses from California and XXXX XXXX in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.
Product: Debt collection

Dear My name is XXXX XXXX. 
I am writing to you because I am looking for help. I have been told that my house is being foreclosed on by a collection company in the middle of a pandemic. I am a hard working American XXXX XXXX XXXX impacted by COVID. I have worked in XXXX  all of my life, I have built many American dreams with my hands and now someone is taking my house. What hurts the most, is not just the fact that I am impacted by COVID, but this came completely out of the blue. 
The company that is foreclosing on my home, I have never heard of. I have never signed anything to them,. 

It is not my first mortgage. My first mortgage is with XXXX XXXX. I called them to put me in deferral and they helped. 

The company that is foreclosing on me is Aspen Property Group LLC. The mortgage they are foreclosing on is from XXXX XXXX. They initiated foreclosure in XXXX. in XXXX they voluntarily dismissed the foreclosure because at that time there was no VALUE in the house. They CHARGED OFF the mortgage. This was the same time that when we tried to do a modification because we were impacted by the great recession. I was in construction then as well. We have paid for the first mortgage since then, for 9 years we have had no problems. 

We never heard anything from XXXX XXXX since the chargeoff and the voluntary dismissal. We never received any calls on this. We get emails telling us that the mortgage was sold to another company, We get letters saying that this financial company in bold letters say we only have 1 option. Pay in full. They do not offer modification or payment plan. 

I ask you to help me. I can not understand : 1. why did this mortgage get charged off and now a 4th company is foreclosing on my house without giving me the ability to make a payment plan 2. I never got served the foreclosure 3. is there no statute of limitations. The mortgage was charged off in XXXX. 
4. Illegally charging late fees. Original principal is XXXX. Interest at 11 % XXXX. late fees XXXX. They have charged me for late fees since XXXX. Many legal fees. 
5. how much money did this company pay for my mortgage 6. This collection agency is acting like a mortgage ( foreclose ) but they do not offer any payment plan, and foreclose in the middle of the pandemic. They are assuming the rights of a lien that was charged off 9 years ago 7. my first mortgage does not know and was not included 8. they are bypassing all foreclosure moratoriums. 
9. I have not been notified of the sale date. I got a flyer from a company asking me to pay it. 
10. me and my husband never got served. 

PLease look at XXXX county public. All happened on 1 day. XX/XX/XXXX. 

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

See attached, recently reviewed credit report and noticed some inaccurate accounts reporting
Product: Student loan

I submitted one a few minutes but one to the email addresses is incorrect so Im starting over, respectfully. 
What happened? 

I have called Department of Educations and its many services. Hundreds of attempts later and nothing but run around and non truths I called Department of Education on XX/XX/XXXX. They wont even talk to me and refer me to many different services including XXXX. Im currently with Department of Education/Nelnet. Nelnet refers me to DofE and they refer me back to Nelnet. I asked Nelnet for the address to request my file contents and they could receive court documents and they had the nerve to tell me that they may not sign for anything. I like really. This is ongoing for so many years, so many different loan companies all along with Department of Education and no help. Im ready for court! I have been excited knowing that I will have my 25 years in XX/XX/XXXX. I have been on an income based since the beginning of the loan. Ive only recently been late a few times since they keep raising my loan repayments. I started repayment 90 days after my graduation in XXXX with Department of Education. Department of a education was good to me in the first few years. Now that Im close I starting really looking at how to apply for the loan forgiveness. Im looking into things and they have changed so much, like wrong dates and amounts, changes made without my approval, lies, etc. I have had increased that were 100 % at a time, and mainly my anniversary date on my promissory note was different that the 8 years later by Department of Education or one of its services. This makes me have to wait 8 additional years. Its like they are doing what they want to do with the loan to their benefit. Im so upset and have asked them for information and a copy of the promissory note, payment history, and negatives history, my file or record. Please help me if you can. I will wait to hear from you but trying to gather my data because if I dont get answers from them I will ask through the court suing them for allegedly altering my loan because I havent changed or signed for anything to change. I want to see for myself what they are doing and have done. I was pretty faithful through the 25 years. I took out this federal loan for XXXX balance post graduation. I have many receipts showing the discrepancies. So on income based payment plan after 25 years Im said to owe {$170000.00}. So Im a registered XXXX who always had to have income based. They just recently asked for me to fill out a form. I feel like Im paying to be a XXXX, in this much debt, credit impacted more than 125 points, paying highest interest for everything because of this impact and never been able to afford a down payment on a home. All to borrow {$30000.00} for school. Please help me obtain my loan information from them so that I may be rewarded for 25 years payments. I hope not to have to now fight for it. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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. 

The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from the three bureau 's. i discovered some instances of late payments for an account ( XXXX XXXX ) for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following accounts. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time/paid as agreed as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.