23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It was caliber home loans. I had several modifications over the last XXXX years. During covid and right before covid I was going through problems. I had to take a leave of absence from work. I had arranged everything I needed to arrange with the company as far as payments and modification. However even though they told me it wouldn't affect my credit it did affect my credit. Even though this account is closed it's still showing up that I was delinquent. 

I have disputed this with the credit reporting agencies. I have also talked to caliber home loans. They said I had to fax something to somebody in some basement and some building somewhere. I have tried although I've never gotten a response. I was specifically told to not make payments because we're going through a modification. And that it would not affect my credit. I was specifically told about forbearance and how it would not affect my credit but it did. To the point where I can not get ahead in the world right now I can not buy a car because I need to get a car mine 's about to die but I can not get XXXX which means I can not get to work. Which means I can not pay my bills. Even at the end when I sold my house they told me I didn't have to make a payment. But when I was in the process of selling the house. But it's showing up as delinquent. I will try to find the files I have everything in storage for several years and now I just moved into a new place and now I'm packing
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 Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.
Product: Credit card or prepaid card

On or around XXXX XXXX I began receiving text messages about my card accounts from XXXX XXXX by XXXX I had a dispute with card XXXX and that card was replaced by current card XXXX. Apparently money off of card XXXX in the amount of {$1300.00} was left on this account that was allegedly closed out. I made numerous attempts to resolve this issue, but each time was given a dissatisfied answer. They kept telling me that the account was closed XXXX XXXX ) and no information could be retrieved pertaining to account.XXXX  XXXX the text alerts that used to inform me every morning has halted informing of account XXXX the supervisor was so rude as to get in touch with my employer to get answer about the funds when its XXXX who is in charge of rejecting or accepting monetary dealings.
Product: Credit card or prepaid card

I used my Discover credit card to make a deposit for two custom breast collars ( horse tack ) for XXXX gifts. The gal that the breast collars were purchased from never sent them and stopped communication. I filed a dispute on the charges, as I never received them. I contacted Discover several times throughout the course as I never got any updates. I called in during the month of XXXX and a representative stated it looked like the case would be in my favor as the merchant had not replied. They just had to finish the paperwork. Month later still had not gotten any finalized paperwork. Finally, on XX/XX/XXXX, I received a email that they ruled in favor of the merchant. This is wrong as I never received my purchased items and there is proof of that! Also, by federal law, discover has 90 days to finalize a dispute. The dispute was filed on XX/XX/XXXX and did not resolve until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES Experian and XXXX DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to XXXX and Experian is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!
Product: Money transfer, virtual currency, or money service

Over XXXX weeks ago, Cashapp closed my account for what they claim was a violation of the " terms of service ''. 
I contacted the customer service department to determine what term they claim was violated. 
Customer service at tgat time said an email with that information would be sent. 
No email was sent. 
I contacted customer service again to ask about the status of the email. 
I was required to resubmit my complaint and was again told that I would be receiving an email from the company with regards to the reason my account was closed. 
No email was sent. 
After XXXX weeks, I again contacted customer support. I was told again that I again should expect an email, I requested to speak to a supervisor as I was certain that I was not going to be receiving the email after being falsely promised emails XXXX times before. 

I was then told that there was no supervisor, that I would not be given any further explanation as to why my account was closed, and I was hung up on. 
I called customer service back, speaking to a different agent, and was again told that I would NOT be receiving any information as to why my account was closed, I was not allowed to speak to a supervisor and I was hung up on a second time. 

I have thoroughly reviewed the terms of service. I can not determine ANY term that I have violated. As the company is not willing to provide answers, I have to presume that I am being targeted personally or politically by the company. 

How can a company have terms of service and not inform people of why they are being cancelled?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit reporting

This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : 1. XXXX XXXX XXXX # XXXX Please delete 2. XXXX XXXX # XXXX Please delete 3. XXXX XXXX XXXX # XXXX Please delete I would like them removed immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax and I noticed some inquires that I did not authorized. On XXXX XXXX XXXX XXXX is showing up as an inquiry. On XX/XX/2020 the following companies are being report on my credit report as an inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/2020 XXXX XXXX, XXXX XXXX is also listed on my credit report. I did not authorize these inquires. I have spent weeks talking to each of these companies and I was notified to contact Equifax to removed those inquires. I have sent several letters to Equifax and did not receive any respond from them. It has been well over 30 days. Equifax did not provide strict proof of me personally authorizing these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

While having a background check done for our new residence. I was turndown because it came back saying I had " civil evictions '' on my public record. There from " XXXX XXXX '' Where i have lived for the past XXXX years.
Product: Credit reporting

EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 months I have been getting emails from Experian addressed to XXXX. Membership number XXXX. 
I called them to have this fixed and wanted clarification as to why my email is being used in connection to someone elses account. 
I even filed a complaint with the XXXX XXXX XXXX  that they ignored and never responded. 
They continue to go in circles citing consumer privacy, but they are using this as a shield to avoid real accountability. 
This person likely also wants to know that I am getting emails with their information and I want confirmation that this person is not getting any of my information- which Experian will not confirm. 
If this place is responsible for Credit scores and so much of peoples financial health- it is unacceptable to have such irresponsible practices! How was this email ever confirmed? How was this account opened? When I filed a complaint and talked to them - why wasnt it fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent contact with these companies was on XX/XX/XXXX when I sent in letters regarding inaccurate and unknown information on my credit reports. I began sending letters to them in XX/XX/XXXX and it's been 82 days to date with no resolution from either company. Again, I feel like my disputes are being ignored with them especially since XXXX was able to remove the exact same accounts from my consumer report. Based on FDCPA, 15 USC 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted cause I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion Credit File 1. XXXX XXXX XXXX XXXX Transunion and XXXX Credit Files 2. XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX 4. US DEPT OF EDUCATION XXXX  Credit File 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted every ave I can think of. XXXX refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

letters were sent to equifax, XXXX, and XXXX with no response
Product: Credit reporting or other personal consumer reports

Please remove the inaccuracy of the bankruptcies that the credit bureau keep alleging as accurate
Product: Money transfer, virtual currency, or money service

I asked someone based in USA to send me money on my account with Wise. 
I have a US account through Wise. 

Without notification, Wise changed my account number and put the old one as not operational anymore, saying that " any payment done to that account will bounce back ''. 

Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like. 

They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.
Product: Debt collection

I called Caine and Weiner Inc. Regarding a debt that was on my credit report in order to resolve the debt. My credit report reflects that I owe {$160.00} but the representative I spoke to said I owe around {$250.00}. I asked to only pay what is on my credit report and she informed me that I could have the debt removed from my report if I paid the larger amount. I said I only wanted to pay what is on my credit report and she placed me on hold to speak to the manager. When she came back she offered to remove the debt from my credit report if I paid around {$220.00}. Telling me that she is unable to remove the report from my credit when she can is a violation of the Fair Debt Collection Practices Act.
Product: Mortgage

I have a conventional mortgage which is a 1 year XXXX XXXX ARM. My Arm was subject to change effective XX/XX/2022. Mr Cooper is the servicer and XXXX owns the loan. The 60 day notice of rate change was due on or before XX/XX/2022 for a payment change that was effective for XX/XX/2022. Mr Cooper did not send me a letter, so I assumed that there is no change. When I logged into my account to pay my mortgage for XX/XX/2022, I notice a document had been loaded into my account for a Notice of Rate change, but it is dated XX/XX/2022. The payment interest rate went from 2.50 % to 3.625 %. I knew this is wrong so I contacted Mr Cooper, notified them that the 60 day letter was delinquent and the rate was wrong. I included in my attachment all documents and emails between me and Mr Cooper detailing their error. I have also contacted XXXX regarding Mr Cooper violations and errors. The 1 Year XXXX index rate from that Mr Cooper said they used is XXXX, I found the index rate a slight bit higher at XXXX. So if we used their admitted index rate of XXXX + XXXX Note margin = 2.2632 % new interest rate. After I pointed that out to them in our email exchange that their new rate assessment was wrong, they have now lied, again, and said that Mr Cooper changed the 1 Year XXXX Rate index from XXXX to 1.322 % for a new interest rate to me of 3.572 %! What??? So I guess that they can take indexes and move the decimal point to where ever they want it to pump their profits? Where is that in my Note? They are now just making up numbers for 1 year XXXX indexes to cheat customers. 
They refuse to put the floor rate per the Note back to 2.50 %. 

XXXX XXXX XXXX XXXX XXXXXXXX They
Product: Credit card or prepaid card

My Bank of America credit card was closed and charged off by them in XXXX of XXXX, my credit report says it should have been removed from my report in XXXX of XXXX and yet it has not. Bank of America instead added it back showing as an open account on my portal in what I assume is a fraudulent attempt to collect on an account that has been charged off for years. I would like to close my account with Bank of America but can not do so while this old card is showing open on my account. This debt is over the Statue of limitations in Georgia, where I lived when this card was closed, Oregon, where I live now and BoA 's home state of NC.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has been almost unusable to try and freeze or unfreeze credit. The logon process and verification processes have had bad problems for months now after researching the issues online. I attempted to resolve it several times, they keep telling me, " oh sorry it is a problem on our end ''. That is their excuse every time. I can't freeze one credit reporting bureau - TransUnion. XXXX and XXXX work perfect. I was able to freeze both within XXXX minutes each and that included creating the account. 

It the public can't use their services, their services are useless and leave me/us exposed XXXX well as others. They seem to not care about resolving the issue, rather just blaming it on a technical issue. I am a XXXX XXXX XXXX with 34 years in IT. It is not anything on our end. I have XXXX internet and very powerful computers. They probably don't want to spend the money upgrading or repairing their infrastructure and the volume of people using the service overwhelms it could be XXXX issue. Otherwise, they need the expertise to resolve it and don't have it. Either way, we need an authority to step in on this because for months this hasn't been resolved and I have read in tech forums that people are experienceing the same issue for months. Lots of people have errors with logins, verifications, attempting to freeze/unfreeze their credit, etc. Please let me know if you can assist, or if another agency can assist in putting pressure on transUnion to get their act and facilities together so we can use the protection features. 

Also, I wanted to mention XXXX thing. Not the issue I am reporting, but it needs to be said. I use a paid Aura Identity Protection service. Since our SS # ''s have been used everywhere ( medical, credit, employment, etc. ) we have no identity security any longer. Only Taxing Authorities were supposed to be allowed to have our SS #. Now it is all over. We need a new identity protection PIN that changes ( using an authenticator for example since SMS has been defeated by attackers ) and only the owner of the identity can accesss or give access to our credit for a transaction. Otherwise, the XXXX citizen has been stripped of any identity protection once afforded by SS # 's. They are no longer private and have been stolen in numerous data breaches along with all our other identity data. The XXXX XXXX XXXX XXXX XXXX XXXX breach lost any government employees background investigations, and identity information. If you got a check from the Treasury, like me in the XXXX, the XXXX have all of your information. Please if you can initiate a process/movement to provide identity verification to citizens to stop this rampant identity theft, please help us regain some protection. Thanks.