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

I was a victims of identity theft i sent all the necessary documentation to TransUnion tp dispute the account. They verified the account as accurate i then requested a description of the procedures used to determine the accuracy and completeness of the information which they did not have. So they deemed an account accurate and complete on the word of the furnisher without any documentation. Violating 15 USC 1681i B. ) CONTENTS a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.

( 7 ) Description of reinvestigation procedure 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

My social number was taken advantage of, sent off to a various amount of companies without my consent.
Product: Mortgage

I have to call Mr. Cooper Mortgage company often because my payment keeps increasing. I have a lot of questions for them, often. My problem is every time I call for a question, they are extremely adamant about selling me a refinance. They are greedy as can be, they are far more concerned with grabbing yet another five grand or worse from me by tricking me into yet another refinance than they are with answering my questions. I already refinanced several times and because of refinance costs I owe more than I did when I took out the mortgage over 20 years ago. They are stealing from me and draining me of all my money, then all they want is more. More more more more more money, constantly trying to hard sell me on the phone. THIS NEEDS TO STOP. STOP TRYING TO SELL ME MORE MONEY! STOP MARKETING TO ME, STOP THE PUSHY SALES TACTICS EVERY TIME I CALL FOR A MERE QUESTION!!! Today I was assaulted once again during a call to find out why my payment went up {$50.00} per month, the woman on the phone kept insisting I needed another refinance. This is evil, pure evil. She refused to take NO for an answer. I was forced to hang up on her because she refused to let me go! And their automated phone robot does the same thing, it offers only choices that lead to either paying them or buying something from them. It's infuriating and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Debt collection

The Debt Collector served me and I am now in the process of defending myself in the XXXX XXXX XXXX XXXX. The first contact I received was through the process service. Since then I have requested documentation and they have not provided and are now filed a motion for Judgement. 

I was not afforded the opportunity to request debt validation nor did I receive any outreach whatsoever in regards to the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's time to stop Equifax from being a credit reporting agency! they are constantly lying, and not responding ending dispute investigations on their own discretion.
Product: Credit reporting or other personal consumer reports

Formal CFPB complaint against TransUnion for their failure to investigate properly and their violations of the FCRA and FDCPA. 

This complaint must hold them accountable and escalate for deletion of disputed accounts and potential legal action by the CFPB. ( See Attachments. )
Product: Checking or savings account

XX/XX/year> - Received fraud alert at XXXX Did not respond because it went to my XXXX folder in my emails.When I saw the charge to my accoung I claimed the transaction as fraud. XXXX was stopped and sent me a new card. 
Received a refund for the amount of XXXX XX/XX/XXXX the money was taken out of my account claiming they had proof I made the charge.I started reseaching and discoved several emails sent to my archive folder regarding this purchase. This person that did this purchase for XXXX XXXX had all of my information. 
Claim number filed again to dispute this ; as having my information stolen Claim XXXX XXXX I have provided all of the emails sent to my archive folder. There are several that went back and forth. 
The bank claims they have proof that I received the tickets based emails from the merchant. I provided my proof from the emails I receieved. Still refusing the claim based of stolen identy
Product: Mortgage

Nationstar Mr Cooper sold my mortgage loan to XXXX. In doing so Mr Cooper did not transfer the full amount I had paid to them for the loan, hence, according to AmeriHome I am at risk of default because I have not paid mortgage fees due XX/XX/2020. I paid those to Mr Cooper on XX/XX/2020, which I can prove using my bank statements and Mr Cooper website statements. The amount paid was {$3600.00} paid on XX/XX/2020. This amount covered the full payment for the month of XX/XX/2020.
Product: Debt collection

This is a credit card account from XXXX from 10 years ago or longer. Portfolio Recovery Associates, is somehow renewing the timeline to an earlier date from XX/XX/2012. From a debt long time ago.
Product: Debt collection

Today, XXXX XX/XX/2021, I Received an email from XXXX XXXX XXXX, along with " XXXX XXXX XXXX ( current creditor of your original Springleaf Financial Services , Inc. ( SPRINGLEAF ) account ) balance. '' as well as TrueAccord for outstanding balance of {$1400.00}. 

I have no idea who these people are or who these companies are, never mind owing that amount of money for anything. 
I do not know any : " This was originally an account with Springleaf Financial Services , Inc. ( SPRINGLEAF ), account number ending in XXXX ''. 

WHAT ACCOUNT???? I do not know this company at all, and have never done business with the likes of them either. 

I do have a school loan but that is through OUR GOVERNMENT!!! 
Not some fly by night wan na be BS company. 

Some company tried that in the past, I shut them down too. 
After receiving that email, I replied in not a very nice way, being FRAUDULENT and most likely a SCAM. I also reported this as Phishing.
Product: Credit reporting or other personal consumer reports

I found late payments from my credit card that were reported to all 3 bureaus. 
XXXX  XXXX : Late fees : XXXX ; Charge off : XXXX. 

I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.
Product: Student loan

I am due automatic student loan forgivenss under the XXXXXXXX XXXX XXXXXXXX settlement. I have received a letter from DOE stating such dated XX/XX/2023. To date, that has not been processed by Nelnet. My student loans were to remain in an administrative forbearance until this forgiveness was processed. Nelnet took them out. I contacted DOE which agreed they should be in an administrative forbearance until forgiveness ( which is now past due ) is processed. I have a letter from DOE stating the loans should remain in adminstrative forbearance until processed and that they had informed Nelnet of this dated XX/XX/2023. As of today, XX/XX/2023 they are not forgiven and are not in administrative forbearance. After 1.5 hours and how much time on hold all I got was a run around. I want the forgiveness I am owed under the settlement processed ASAP. I want my accounts properly audited as I know Nelnet was bad about crediting parents and I have been overcharged interest. And at this point, they do not deserve to be in business.
Product: Checking or savings account

Capital one had an issue starting the XXXX and it's still not fixed friday on a holiday weekend
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been removed from my credit report
Product: Credit card

Synchrony Bank ( DBA - Paypal Mastercard ), Has failed multiple times to resolve my dispute and acted biased to force a charge on me for the services that were not as promised by the merchant. They also have failed to provide me with any documentation or are willing to fight the dispute given the documentation I provided. I am yet to receive any documentation on how they are determining the dispute in the merchant 's favor. The bank also never sent me any forms that I can sign as I am still going to fight this dispute and I am not going to pay for the services that were not as promised. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Problem with the charge : On XX/XX/2023, I booked a rental property located at XXXX XXXX XXXX XXXX XXXX, TX XXXX through XXXX with reservation # XXXX for 4 nights ( XX/XX/XXXX XX/XX/2023 ). 

When we arrived at the property, soon after we realized the property was not in good condition there were prior damages toilets were clogged and overflowing, air conditioning system was not working on XXXX which was unacceptable. this was not it there were also issues with the cleaning and their dishwasher leaked in all over the kitchen. The were multiple bugs and mosquitos we saw in the bathroom and bedrooms. Cleaning was not performed and their laundry washer and dryer were in a disgusting condition that can not even be described in words. Given we were traveling with a newborn we could not risk staying with these circumstances. 

Starting the XX/XX/XXXX, the evening we were supposed to check in I tried to reach out to the property manager 's contact, since there was no physical office or helpdesk, I called the phone they provided and no one ever answered the call or acknowledged the voicemails I left. When I didnt get any response from them, we decided to spend the night at our friends house. 

The next morning XX/XX/XXXX when I went to see if they fixed anything, nothing was fixed other than they cleaned the water leaked from the dishwasher. That means someone was there to look at the issues but they did not reach out to me or resolve the essential/critical issues such as toilet/air-conditioning/bugs etc. 

This ruined our whole vacation and given the situation, there was no way anyone could stay in the property. After allowing ample amount of time in good faith to resolve this issue when things were still the same, I requested them to cancel or arrange another location for our stays however once again they did not reach out for any assistance or offered any help. As we left the property around XXXX XXXX on XX/XX/XXXX, I never heard any response back from the merchant regarding the cancellation or refund and they didnt answer the phone calls or my email when I tried to follow up on the refund.
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a XXXX XXXX XXXX that causes me to lose work, and in some cases XXXX  is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my XXXX  if a settlement is offered. I am looking into filing a XXXX  XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Debt collection

I've contacted the company numerous amounts of time. They have been changing the dates of the account making it go on longer than it should. They are claiming amount I do not owe. They're falsifying information to collect debt.
Product: Mortgage

I have reached out to this company via their website twice over the last month and attempted to leave a message at XXXX ( the number listed on their website ). The number never rings and the voicemail is always full. 

I have talked to several other lenders and they said my loan servicer would be able to process my FHA streamline without the fees they have to charge. That would be awesome to avoid unnecessary fees if this FHA servicer ever replied.
Product: Mortgage

I lost my job in XXXX last year and entered a mortgage forbearance plan with Regions. While unemployed, I worked as a XXXX  through XXXX and privately. In XXXX, I contacted the mortgage company to avoid foreclosure. They advised me to document my chauffeuring income for a potential modification. 

In XXXX, I submitted bank statements and profit-loss reports showing an average monthly income of {$7500.00} gross/ {$6000.00} net from XXXX to XXXX. During this process, I also secured a job at XXXX  XXXX XXXX, earning {$12000.00} gross/ {$9500.00} net monthly. 

Despite informing the company of my improved financial situation, my loan modification was denied. They claimed I might be unwilling to pay a higher interest rate compared to my original 2014 loan. My attempts to negotiate were unsuccessful, and they refused to consider either of my income streams, even though I can now afford the mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.
Product: Credit reporting or other personal consumer reports

I am in total absolute debrief with the way the credit agency has mishandled my credit. XXXX account : XXXX  XXXX, is being reported as a charge off on my credit report. I have asked the agency to do a simple reinvestigation. This account is reporting inaccurate and falsely on my report. According to XXXX5 USC 168i 5 they are supposed to do the proper research, ( XXXX ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove/delete all those items. This matter have been of great hinderance to my endeavor of grow and obtain credit.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Around XXXX XXXX, XXXX I received an American Express gift card for {$100.00} from a relative for a XXXX present. On XX/XX/XXXX I used the card for the first time at XXXX XXXX. They informed me they could only process {$70.00}. I contacted American Express immediately and they told me there were 4 other XXXX charges in the amounts of {$10.00}, {$10.00}, {$5.00}, {$5.00}. They gave me the persons name, address that made these purchases and informed me I needed to contact XXXX as they do not handle claims. I called XXXX on the same day and they said they created a complaint and I would receive an email within 10 days. I did not. I contacted them again on XX/XX/XXXX and was told these were not XXXX charges. I have spoken to two different supervisors of XXXX and spoke with American Express 3 times. Have not received a refund from either companies. I contacted both companies again today with no results. They have stated they recorded all of my phone calls. I have supporting documents with more information if needed. Again I do have the persons name, address and now have their phone number who made these fraudulent charges. Both companies have stated there is nothing they can do in refunding the {$30.00} back to the gift card. 
They told me I would have to file a complaint with a government office or the police. So I am filing a complaint with you.
Product: Credit card

I paid off credit card by {$3500.00} too much. I want this money placed into checking held with same bank. When you call they say an email will be sent over and it needs to be requested via this proccess. However no email is ever sent out. When you call they say that there is no one you can talk with to help. It all needs to be done via email. It is already in the system and you just need to wait for it. No matter how many times you call no email is ever sent. When you make a payment to the credit card from checking held with same bank it happens right away. Looks like they put a proccess in place where you can't get your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by One Main Financial This creditor has re-aged an account on my credit report, which is a violation of the FCRA XXXX This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 

Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's XXXX XXXX and can lead to higher interest rates or even denial of credit. 

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my XXXX XXXX be reversed. 
Thank you for your time and attention to this matter.