23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit? 

XXXX XXXX, XXXX, = MIDLAND CREDIT MANAGEMENT INC
Product: Debt collection

The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Account : XXXX XXXX
Product: Credit card

I signed up for a promo card with XXXX XXXX XXXX when buying a laptop advertised with no interest for 12 months .. on XX/XX/XXXX of this year ( 2023 ). I paid the {$1700.00} with my new XXXX XXXX Account. Shortly after, I got an email notice saying the XXXX XXXX Accounts ( which I had just signed up for ) are being transferred to another company, Comenity. Since then, I have not been able to access my account. I'm not sure who to make payments to. I have read reports online that Comenity is charging interest and not honoring the promotion. When I call comenity or try to access my account online, they say they can not find it, even when I give my SS #. It's all automated, and I've found no way to speak to a representative for the bank. 

According to many people online, they have experienced something similar, and have been told that Comenity will only mail account numbers to account holders, but they aren't receiving them even after multiple requests. I don't recall ever receiving my account number in the mail. They don't provide it over the phone, and regardless, they are saying they can't even find my account. XXXX XXXX XXXX tells me they no longer have access after transferring the account to Comenity.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$58000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXXXXXX XXXXalance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXXXXXX XXXXXXXXr XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX  Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/CARE CREDT is reporting erroneous lates on my credit file. these lates are for the month of XX/XX/21. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. 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. Please remove the following items as soon as possible : XXXX XXXX XXXX Date Assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, you have continued reporting some of the accounts and information that was already been removed from my Credit file from other Credit Bureaus. If you believe that the disputed accounts and information belong to me, I require you to send me copies of proof of verification. In the event that you can not find any documents supporting your claims, immediate removal of the disputed items is expected.
Product: Mortgage

We were told we would be able to do an FHA Streamline refinance on our house as soon as we were paying on it for since months by our lender, XXXX XXXX at SWBC. We talked about this probably once a month until the date was close enough to start submitting the paperwork. The process started on XX/XX/XXXX. We submitted all the paper work he needed almost immediately and was told not to make the XXXX payment because of the refinance costs. My wife and I trusting our lender did not and waited for him to get back with us. The last I heard via email was on XX/XX/XXXX and was told they were sending it to underwriting. We waited another week or so and started getting worried so I reached out to XXXX. I received a text back saying he would call me in an hour or so but it wound up being the next day before I heard back. This was nearing the end of XXXX and he told us there was some issue but he would get it resolved. He finally told us after several attempts to contact him later, at this point its after XX/XX/XXXX, that they can not do the refinance. This sent me and my wife reeling trying to catch back up on two mortgage payments and were unfortunately not able to get caught back up until XX/XX/XXXX. Now because all of this my wife and I have negative history on our credit and are unable to refinance somewhere else to get away from SWBC. This whole thing feels like a ploy to keep us shackled to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear XXXX XXXX XXXX, I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on various credit reporting platforms. Despite my credit card statement clearly indicating that my account has been paid in full, Equifax continues to display erroneous information that misrepresents my credit status. 

On XX/XX/year>, I received my credit card statement from XXXX, which shows that my account balance was {$0.00}, reflecting that all payments have been made in a timely manner and that the account is settled. However, upon reviewing my credit report, I found that Equifax has inaccurately reported my payment status, which negatively impacts my credit score and overall financial standing. 

I have attempted to resolve this matter directly with Equifax by providing the necessary documentation to support my claim, including a copy of my credit card statement. As per the Fair Credit Reporting Act ( FCRA ), when a consumer provides documentation to correct inaccurate information on their credit report with a Consumer Reporting Agency ( CRA ), the CRA is obligated to investigate and modify the information accordingly. Unfortunately, Equifax has failed to fulfill this obligation, which constitutes a violation of the FCRA. Essentially, not correcting inaccurate information when presented with evidence violates the rights of consumers and undermines the integrity of the credit reporting process.

The continued misreporting of my credit status not only affects my creditworthiness but also adds unnecessary stress to my financial situation. I kindly request that the Consumer Financial Protection Bureau investigate this matter and hold Equifax accountable for their failure to correct the inaccuracies in my credit report. I would appreciate your assistance in ensuring that my credit report reflects accurate information and that my rights as a consumer are upheld.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,
Product: Mortgage

I was offered a loan modification which turned into a 2 year fiasco, now, i have repeatedly asked for copies of many documents with no response. My escrow account is a total mess, i have no idea how it is being managed as well as my payments being returned to the bank, numerous property inspections for which i have requested info on and Nationstar/Mr Cooper never responds to any of my requests,
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Checking or savings account

I have been trying to get my refund from me closing my account 6 months ago and I still have not received my check for the rest of my money that was in my account when it got closed out chime is not trying to give me my money back
Product: Mortgage

NationStar is playing the victim instead of actually reviewed my account. They were then and even now. I received a letter from them in the mail on XXXX XXXX, 2015. The letter is dated XXXX XXXX, 2015. My question is, how long did it sit on someone 's desk before actually being placed in the mail to be sent to me. In my opinion, seems as though they know these type of issues are time sensitive, so they hold it as long as they can, so by the time it makes it to the customers it 's already to late. With that being said they said in the letter, that their goal is to provide a response no later than XXXX XXXX, 2015. In my opinion, they only sent this letter because they were contacted by you all at Consumer Financial Protection and Nationstar is just trying to make themselves look good. They know that they are a bunch of crooks, preying on the low-income family member. Not fair, not fair at all. I hope that someone could really review my case and take care of this. I was cheated and they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report from XXXX and Experian online only to be told continually year after year to contact them directly in order to receive them. 

This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this issue. 

If these reporting agencies are exempt from providing reporting credit reports access online please note that on the free credit reporting web site. I get tired year year wasting filling out all of my personal information and submitting it only to be told to contact them directly every time. 

Please let me and other consumers this acceptable and please remove them rom the requesting web site and just put up their phone numbers or addresses instead. 

Personally I feel it is just a scam to get consumers to call their rep and sell other products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a bank account with XXXX Bank based on this company SageStream , LLC that I have never even heard off and they are unwilling to give me a report with what information is being provided to the lender.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against the a few credit reporting agencies ( XXXX, Experian, XXXX and XXXX ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Consumer Report.

I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household.

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt.

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to DataX requesting my consumer report. When I received my DataX report, I noticed an incorrect address. I disputed this address with the company. The company replied they could not remove the inaccurate address because it was tied to an account. There is no account reporting on my DataX consumer report. I have attached the report. According to FCRA, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], they are to investigate and they have fail to do that.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XX/XX/year> permission to pull my credit report from Transunion. This is an illegal pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe money to XXXX, XXXX or XXXX XXXX  there is no contract between me and them and I have asked XXXX, XXXX and eqifax to produce proof of contract and they have not
Product: Debt collection

Im confused to why XXXX sold my debt to IQ data but theyre still showing on my XXXX report twice and one time on my XXXX
Product: Bank account or service

PayPal limited my account and then closed it within XXXX hours without providing any documentation for why they are closing the account. They are also holding my funds ( {$1400.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.
Product: Debt collection

This is a follow-up to a complaint filed on XX/XX/XXXX ( in which Mr Cooper used XXXX deceitful tactic in an effort to avoid responding ) and a follow-up complaint filed on XX/XX/XXXX that an agent with CFPB suggested I file XXXX 
On XX/XX/XXXX, both my renter and I who are out of town, saw clips on our security cameras with people entering our property through the locked gates, climbing through a window of the studio where my renter stores items, rummaging through our items and the locks were changed. This was discovered by having a neighbor and a realtor friend check on the property after seeing this. Because of Mr Cooper 's lack of communication with both myself and counsel, we have no clue if this is of their making. My senior lead officer advised I file police reports. I have emailed Mr Cooper but have yet to receive a response.
Product: Mortgage

I have been many issues with Shellpoint mortaging since they purchased my loan, they have constantly been assessing me with a escrow to pay for mortagage insurance which I already have through my homeowner association. I have tried to contact them and have provided my insurance as per my homeowner association and nothing.. Now I am receiving a escrow evaluation that includes a need for an additional $ XXXX. I am pretty much at my end at trying to get them to do right.
Product: Credit reporting or other personal consumer reports

My XXXX account number XXXX credit reporting on the credit reporting bureas, XXXX, XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. XXXX crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Product: Mortgage

Our mortgage payment went up after only making our first 4 monthly payments. Amerisave Mortgage said we were short on escrow? How we just got the loan in XX/XX/XXXX first payment made XX/XX/2021 After all the approvals, underwriting, finance charges HOW could our payment go from $ 704 monthly to now as of XX/XX/XXXX it is now {$870.00} a month. 
We were suppose to be saving money. Our new payment is more than the old mortgage payment before we refinanced. 
Something isn't right. Amerisave will not contact us.
Product: Credit card

American Express unexpectedly lowered my account limit from {$10000.00} to {$6200.00}. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his account today and found that, even though his balance was over {$8000.00} and he has only been making the minimum monthly payments, his credit limit had not decreased and had, in fact, been increased on a separate American Express card, on which he also carries a high balance and makes minimum monthly payments. As a female who makes more money than my former male counterpart, I am outraged that my credit limit was decreased, despite a lower balance and larger monthly payments. I believe this is a clear example of discrimination against females.
Product: Debt collection

Mr. XXXX forwarded an expired judgement that is not mine, and has told me he will take legal action, I responded with that I take legal action, and he has forwarded a letter stating " I will report you to the appropriate authorities '' " I will be reporting it to the police '', I am very scared, I don't want to be arrested for something that is not mine, nor for defending myself, I don't want this lawyer to call the police make something up and I am in jail! I have the letter stating all of this.