23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Collection account I contacted experian to dispute these charge off and collections as identity theft as my personal information was in a data breach and my information ended up in the dark web. Experian refused to collect or submit my dispute
Product: Mortgage

PHH MORTGAGE Services deceptive practices on how much I owned on the monthly mortgage payments with me paying {$1900.00} my escrow shortage paid in full before XXXX of XXXX. Theres unknown balance owned and any other shortages to bring my Mortgage back to {$1000.00}. 
Billing Letter showing my XX/XX/XXXX payment due is {$1200.00}. 
PHH MTG website mortgage bill for XX/XX/XXXX due is {$1100.00} I paid {$1900.00} in full for my escrow shortage. 
Unknown fees not disclosed to correct my normal monthly mortgage amount back to {$1000.00} 10 months of trying to get an answer from PHH Mortgage and I am still waiting now. 
My original Mortgage amount is {$1000.00}. I paid my Escrow shortage of XXXX and now I still own more with no one telling me what is the exact amount that I owned to show my monthly amount back to {$1000.00}. 
I was forced to change Homeowner Insurance because XXXX XXXX  XXXXXXXX XXXX XXXXXXXX filed Bankruptcy in XX/XX/XXXX and drop my homeowner Insurance. I pick up XXXX XXXX XXXX in XXXX of XXXX and PHH will not tell me what I owe them to take care of my shortage in Escrow until XXXX of XXXX and the extra mortgage total amount due to show my mortgage back to its regular amount of {$1000.00}. PHH Mortgage company is running me around since XXXX of XXXX. Today XX/XX/XXXX, four calls to the Mortgage Company and they are still running me around with no answer. 
I have only until XX/XX/XXXX, to make my mortgage payment, then I will be hit with late fees plus no one will tell me the different that I need to pay to show my original normal payments. PHH Mortgage is running me in circle for 10 months and they are setting me up for a Foreclosure if I don't pay them what is owned, and I am unsure all the amount is due. I bought my house in XXXX of XXXX and never had a problem until now. I am 100 % sure that the mortgage company is doing deceptive practices with me. Can someone please help me to get to the bottom of why the Mortgage company is not disclosing total amount due so I can get back on track with my mortgage. 


I believe PHH Mortgage is trying to send me into foreclosed over deceptive practices not disclosing the total amount owned on Mortgage monthly bill. Why will no one at the Mortgage co. give me a straight answer and I have paid them {$1900.00} cent but now it's more money due that was never disclosed to me also more money will be due by XX/XX/XXXX, for late payment. I am confused and just need to know what is the totally amount to get my mortgage back to its normal payments.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue is align with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an explanation investigation into my account transactions.
Product: Checking or savings account

I received a letter in the mail today from BMO  Bank of Montreal. It stated that I had recently opened new accounts that needed more verification information. I called the bank fraud department to report identity theft due to me not opening these accounts. They confirmed that there was an account opened under my Social Security number, but they would not tell me anything else whether the account was closed whether there was checks written on the account whether there was checks ordered on the account if there was a debit card, etc., I asked for a claim number they denied it to give me that. I asked to speak to a supervisor I was told she didnt have one. I asked who I could make a complaint with. She told me customer service, which I was then put on an infinity hold. I held on for the fraud department for almost an hour. This is unacceptable customer service for somebody that has had a fraudulent account opened in their organization. The representative I spoke with in the fraud departments name was XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX  # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Reporting XXXX XXXX XXXX XXXX XXXX  Dear Experian Representative, I am writing to formally dispute the information reported on my credit report regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. Please refer to the details of the disputed account below : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The information being reported is inaccurate. This account has been paid in full and transferred to a new address. As such, I respectfully request that this account be removed from my credit report immediately, as it no longer reflects my current financial standing. 

To assist with your investigation, I have attached the following documents : A copy of the confirmation of payment and account closure from XXXX. 
Proof of the transfer to the new address. 
A copy of my identification ( drivers license or government-issued ID ). 
A copy of a recent utility bill or another document to verify my current address. 
Please review these documents and correct this error by deleting the inaccurate account from my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that the investigation and necessary updates to my credit report be completed within the legally allowed 30-day time frame.

I would appreciate receiving written confirmation once this matter has been resolved. Should you need any further information from me, feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

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

Synchrony bank credit card/airline-XX/XX/2019 Synchrony bank credit cards/airlines-XX/XX/XXXXXX/XX/2019
Product: Debt collection

I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you
Product: Credit reporting or other personal consumer reports

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, FL XXXX l 've attached my Drivers License along with SS card for verification. Anticipating positive results on your behalf. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly. 

3.3. Incorrect Employer Information : my current employer XXXX XXXX but in my credit report shows as XXXX XXXX XXXX XXXX  and XXXX XXXX I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my social security. 

I request that Experian, XXXX and XXXX investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 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 account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE NOT MINE.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. These inquiries on my Experian credit report do not belong to me. Please remove them at once. I have already filed a FTC report. 

The Inquiries are. 
XXXX XXXX - XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 


I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX . PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX . MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX , MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.-XXXX XXXX XXXX. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against XXXX XXXX based in XXXX, Georgia. This company is reporting an incorrect payment status. This company has consistently disturbed my consumer rights under the Fair Credit Reporting Act and has resulted in much unneeded financial AND XXXX XXXX. For starters, they're reporting an incorrect 60 day late payment status on an account on my credit file. I have always paid this account on time and it has been paid in full. I disputed the incorrect payment status in XXXX, XXXX, XXXX, and XXXX of 2019 and received no responses. In spite of my efforts to remedy this depressing problem for many months now, XXXX XXXX has entirely overlooked my interactions and legal submissions to correct this erroneous information on my credit report. I am quite aware of the many, various other grievances filed towards this company for their unjust and questionable business. This company 's less than professional interactions or lack there of has caused severe harm, not only to my capability to initiate credit & good interest rates, but also to my character as a Professional and as a person. Please allow me, and the countless other consumers just like me, to put a conclusion to the performance of these ghastly business habits immediately. I genuinely appreciate your time and service in this matter and hope to hear from you very soon.
Product: Credit card or prepaid card

On XX/XX/2019, i made two purchases in XXXX at XXXX XXXX. When the charges were made temporary authorizations were placed on my account for {$2800.00} and {$40.00}. Two days later, today, the two charges posted permanently at {$2800.00} and {$40.00} which is higher than the amount originally authorized. The problem is the US dollar actually rose in value on the XXXX and remained at 1.121 on the XXXX and the XXXX when the charges posted. Barclays Mastercard in fact charged an old rate of 1.129 which caused the bottom line to increase by {$18.00}. For years this credit card company has maintained that the exchange rate in affect when the charge posts permanent is the rate that will be charged. So that when the US dollar is going down, they are allowed to charge more than the original authorization. However, now the US dollar has gotten stronger, they are charging an old rate that was not in effect on the day of the posting. In other words, they want their cake and to eat it too. This should not be allowed and is an abuse of their power of being a big bank that seems to create its rules as it deems solely beneficial to them. I want them to be required to follow their rules and return the over charge they did to me today of {$18.00} and I want the US government to investigate and penalize them for this abusive lending tactic as I am sure there are millions of Americans who have been taken advantage of by them.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are showing inquiries that are not authorized nor have permissible purpose, nor have written authorization for the following Inquiries. 

1- XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XX/XX/XXXX 6- XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have seen on my credit report that there are multiple accounts that I dont recognize and did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to prove my case Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened in my name through XXXX XXXX XXXX XXXX, I did not authorize anyone to do this. I have had several accounts with fraudulent use on them and have since corrected them. I have reported to all credit bureaus to remove this account from my credit report. Equifax is the only one that will not budge. On top of that I have received two credit reports that are still reporting this account and have conflicting information on them and it is killing my credit report. One version of the credit report said the card was open XX/XX/XXXX and the last payment was made XXXX/XXXX/XXXX. The other credit report says it was opened XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which is violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX ( Miscellaneous ) I have tried to remove these through this company after submitting a IDtheft.gov and police report and they have not been removed. Company has verified the accounts to be factual but how is that so if i'm a clear victim of ID theft!!
Product: Student loan

On XX/XX/XXXX I paid off my student loan balance of {$8000.00}. I did a lump sum payment to clear the debt. 

On XX/XX/XXXX I read about the COVID relief program and how any payments made towards a federal student loan after XX/XX/XXXX could be refunded. I then called EdFinancial on XX/XX/XXXX and requested a refund for my payment. They told me I was not allowed to receive a refund since I paid off my debt. I asked for an email copy of the policy they were following and they would not provide it to me. 

I called again on XX/XX/XXXX after Biden announced the loan forgiveness program. I requested the exact same thing, a refund of my payment made on XX/XX/XXXX. The representative told me she submitted it for me and it would be processed. 

I am frustrated that I was told no and treated extremely poorly on XX/XX/XXXX only to have it done two weeks later. The representatives are not knowledgeable on the policies and are telling people mixed answers. I could possibly not receive my refund in time for loan forgiveness due to having to find a representative who would actually process my refund request.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX Experian and XXXX are reporting items on my credit report due to identity theft
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/year>