23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am getting fake calls regarding paying the phone bill that I had auto-pay for every month. They have my information and asked for my date of birth and they also had my address on file.
Product: Credit reporting or other personal consumer reports

The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to XXXX XXXX, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. XXXX XXXX was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit report
Product: Debt collection

They will call before XXXX amd at XXXX Repeatedly thought the day as well. 

None stop calling. I'm almost to the point of changing my number. 

Some if this debt is old Told them this was harassment and they laughed. 

Also the dept thats owed should of gone through my insurwanx3 that's pay for everything.
Product: Mortgage

Every month when I try to submit a payment online, there servers are always down and I can not submit a payment. After I can not submit a payment online, I try to call the provider after I can not submit the payment but they always seem to shut their phone system down. I do not like Mr Cooper and would like to switch my loan to another provider but the only way to do so is by refinancing. Mr Cooper has not made any attempts to make their systems better or provide a way to communicate directly with them in a timely fashion. Mr Cooper must provide better customer service to ensure that their customers can contact an agent when we are trying to pay our mortgage or have general questions about our accounts.
Product: Debt collection

Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.
Product: Bank account or service

1. The buyer of my properties sent me an e-mail in XXXX 2015, stating that escrow wo n't wire me the money overseas. XXXX in XXXX, CA. I contacted their head office and never got a response. Tried a dozen times, calls and e-mails. 

Then I called www.unionbank.com and was told that there was " no limit to send money to a registered transfer payee ''. FALSE. {$5000.00} is the limit. 

For weeks, my money has been stuck. 

I complained to the bank, sharing that I 'm under threat of a margin call. 

Lost & gt ; {$30000.00} and was forced to close the account ... Still, no payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to request that the disputedf accounts and information be immediately removed from my Credit File. My credit report contains a significant number of unauthorized requests, as well as fraudulent reporting of accounts and Information. I can tell that someone has stolen my identity. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that resulted due to my identity being stolen ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$11000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00}. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with XXXX. I was recently denied a HELOC loan based on my XXXX   score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The XXXX  representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of XXXX, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I submitted the XXXX Loan Forgiveness form XX/XX/XXXX. All information was correct on the form. I called for updates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX, after 90 days of processing, Navient told me that they sent me a letter denying my request on XX/XX/XXXX. However, every previous encounter I was told that the document was still in processing. When I pointed out these discrepancies, they simply said, " sorry for the misunderstanding. '' Navient said my signature was missing, but it was not. I feel they are not being honest in their correspondence with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( XXXX ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO EXPERIAN VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX 2nd Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have already paid of one of my loans back in XXXX and suddenly on XX/XX/XXXX this loan is again posted of {$7000.00} on my account. I have called customer service and they have stated " this may have been a technical difficulty as it seems you have finished this loan payment ''. I am very disappointed with Edfinancial because this is the second time I am experiencing technical difficulties with my loan repayment. My first time was setting up auto payments back in XX/XX/XXXX. I have made a complaint back then and then everything was resolved. I have been very diligent about repaying my loans and have gone above and beyond for repayments. Edfinancial is scamming me to make me pay more. This is very unethical and can be taken to the court of law. I have all evidence that I have paid my loan. This needs to be fixed and my repayment amount needs to be accurate before serious consequences start arising. 

I called Edfiancial on XX/XX/XXXX and have uploaded bank account statements as well as letter of completion of Loan this day as well.
Product: Credit reporting or other personal consumer reports

Again. AS I STATED IN THE PREVIOUS COMPLAINT : There is an attempted credit inquiry on my TRANS UNION report. I DID NOT APPLY FOR A LINE OF CREDIT WITH XXXX XXXX. I contacted XXXX and they do not have an application of credit. I have a screenshot of what is on my TRANS UNION account, and as of today : the inquiry is still on my account. I WANT IT REMOVED AND THE INQUIRY INVESTIGATED. I WILL KEEP SUBMITTING COMPLAINTS UNTIL A PROPER ANSWER AND SOLUTION IS DONE.
Product: Credit reporting or other personal consumer reports

I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.
Product: Credit reporting or other personal consumer reports

15 disputes experian lies and says are ready to view, lie lie lie lie lie lie lie lie lie, DO NOT FALL FOR EXPERIAN TACTIC TO GET YOU TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. Please remove the late off of my credit file as those 2 lates were not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score from Equifax and XXXX, as reported to me via XXXX XXXX and XXXX XXXX XXXX XXXXXXXX is XXXX Excellent, however, when I recently applied for a mortgage re-finance, the mortgage broker, XXXX XXXX XXXX, received a credit score from Equifax of XXXX. I contacted Equifax and complained, but they stated that the mortgage broker likely used one of their other credit models that was different from the credit model used to provide my credit score to the XXXX XXXX and XXXX services. Using a credit score of XXXX is, obviously, going to result in my having to pay a much higher interest rate on my mortgage re-finance than a credit score of XXXX. A credit reporting company should not be allowed to issue different credit scores like this!
Product: Credit card or prepaid card

I applied for a Citi XXXX Rewards credit card on XX/XX/XXXX. Citi informed me via secure email that I needed to verify my income by submitting a payslip that included my social security number. 

My employer does not provide payslips with a social security number. I called Citi and they said it was fine to submit whatever I had. I submitted a payslip to their secure email address. Two days later, I called in and the representative claimed that I did not have the income I reported on the application. I explained that the annual income I reported on the application does not match the payslip because I started the job in XXXX and it is early XXXX ; I would not have made that amount within the last 9 months. 

The next morning, I received a secure email that was identical to the first. It said I needed to verify my income by submitting a payslip that included my social security number. I called back in, saying that I already explained the situation. The representative said I needed to submit proof of address. As I did not receive this request for proof of address in writing, I decided to withdraw my application. 

This situation was extremely frustrating, especially since I had a credit card with Citi until fairly recently. I do not think I should have received a hard pull on my credit report for this.
Product: Debt collection

I checked my credit and saw an account from LVNV for XXXX for {$58.00}. I never received notice to dispute this debt.
Product: Credit reporting or other personal consumer reports

Initially, I called to get a copy of my deletion letter for a previous dispute. I was told on XX/XX/XXXX it was sent to the wrong address and new copy would be sent. To get this done I had to send a copy of my credit card statement which they received and said it was good for 60 days. I also requested a copy of my consumer report that same day. 10 business days passed and I had not gotten the letter or the Report. I called and was told that the letter was on its way and a copy of my consumer report would be attached. When I got the deletion letter it simply looked as though the original deletion letter with old address was printed and mailed with a cover sheet with my current address. No consumer report was attached. I called to see what happened and the representative told me I need to send a copy of my drivers license and a proof of address to assist me which I did. I was told that on XX/XX/XXXX copy of my consumer report was mailed. I then receive a letter dated for XX/XX/XXXX stating that my request for a copy of my consumer report could not be granted due to not being able to verify my identity. I have sent in several documents to Lexis Nexus proving my identity with the identifying numbers they use to retrieve the docs sent upon their request. I have reason to believe they are intentionally refusing to sent a copy of my report to me after I requested and inquired about one being sent on several occasions
Product: Payday loan, title loan, or personal loan

I have repeatedly contacted this company to correct my late fees as they call them. In the beginning I had problems with them talking to unauthorized members on my behalf which is illegal. I paid every month until they continually added late fees that were not justified. I feel they did this so I would not be able to pay the loan off. I am very upset with this. I have tried numerous times to have this handled. They also call me at least 14 times on any given day to bully me. Never to talk and try to handle it. I do not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX and XXXX regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX FUNDING account # XXXX has violated my rights. 


15 U.SC 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 an account without my written instructions. 

15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Debt collection

I have an outstanding balance of {$1200.00} originally from XXXX XXXX XXXX XXXX XXXX. I was unable to make the original payments because I was living with XXXX roommates that didn't pay me for their portion of the gas bill. I've called the gas company and the only resolution offered was a payment plan. I haven't yet been able to enroll in the payment plan due to a current financial hardship. I'm currently in collections for this debt from CCI ( Contract Callers ).
Product: Debt collection

In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred.
Product: Checking or savings account

I went to attach PNC bank to XXXX to see what subscriptions I have with XXXXXXXX and my bank has completely blocked me from seeing anything.
Product: Money transfer, virtual currency, or money service

Last XXXX I called PNC Bank customer service for my account number to receive my stimulus payment. The customer service agent gave the wrong account number. I contact the IRS, XXXX XXXX XXXX XXXX XXXX, and PNC bank to no avail. Its going on 2 years since they gave me the wrong account information, I want my stimulus payment deposited to my new account with XXXX XXXX.