23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to Mr Cooper in XXXX and I mailed a check for my mortgage payment to Mr Cooper as requested and it cleared my bank on XX/XX/year>. I called the bank on XX/XX/XXXX because my payment had not been posted to my account and was showing still due. It has still not been posted as of XXXX. On XX/XX/year> Mr Cooper made an unauthorized withdrawal from my checking account in the amount of {$240.00}. My mortgage was sold to this company and they are still allowed to be in business even after they have taken millions of unauthorized payments from customers! I dont want to do business with them and the first month they are taking money out of my account that is not owed them in any way. They have been sued in class action lawsuits for this very thing and they are still continuing to take money they arent entitled to!
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD- INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT. 
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED " PROOF '' OF THE ORIGINAL CONTRACT WHICH CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND BACK TO ME. 

XXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$380.00}, XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$530.00}, XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX, BALANCE {$1300.00}, XXXX XXXX XXXX XXXX XXXX, DATE OPENED XXXX, BALANCE {$0.00} XXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX, ACCOUNT # XXXX XXXX DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX  XXXX, ACCOUNT # XXXX XXXX DATE OPENED, XXXX, BALANCE {$530.00}, XXXX XXXX, ACCOUNT # XXXX DATE OPENED XXXX, BALANCE {$1300.00}, XXXX  XXXX, ACCOUNT # XXXX, DATE XXXX XXXX, XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX, BALANCE {$0.00} EQUIFAX FRAUDULENT ACCOUNTS : XXXX, DATE XXXX XXXX XXXX, ACCOUNT # XXXX XXXX DATE OPENED XXXX, BALANCE {$380.00}, XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1200.00} XXXX XXXXXXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DATE OPENED XXXX, BALANCE {$1300.00}
Product: Credit card

I purchased merchandise from a website that was a scam on XX/XX/2024! I can not contact the merchant because the website isnt available! {$160.00} I received a confirmation email for the order but never received a tracking number or the item! The dispute was resolved in my favor then a couple weeks later it was reversed! It was with my XXXX credit card from Synchrony bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. Please CFPB, step up and remove the negative accounts as this greatly affected my credit score. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car and having little money for months with no job and no way to get to a job if i had one. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. 

i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX ) i will also be uploading from there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT
Product: Debt collection

I have been attempting to work with Action Collection for years to settle this debt. On my credit reports and XXXX XXXX reports, the debt listed is a different amount than what they claim I owe them. They refuse to accept anything less than what they claim I owe them, even though the reports clearly indicate a lower amount by over half. 

These people operate in bad faith. They have filed a judgment against me, used to call me and harass me weekly, call my employer and harass him, and have threatened to renew the judgment at the end of 10 years, when this amount owed is trivial. They refuse to validate the accurate amount of debt and allow me to pay it with the security of knowing it is accurate and going to be taken care of.
Product: Checking or savings account

I had returned a item back to XXXX and they refunded me back that amount but it went to a account that was closed. The bank citizens bank was supposed to issue me that amount back by a check they didn't. I have been going back n forth about me getting my money that I desevered and I have still not seen my money.
Product: Credit reporting or other personal consumer reports

This is the XXXX time and it's still inaccurate and incomplete information this account is showing ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in the experian report. XXXX don't even have payment history XXXX showing no payment history. Experian has this account as an collection XXXX and XXXX as this account as a charge off. Remove this account immediately!! 
So experian has failed to complete the inaccurate and incomplete information. 

XXXX XXXXXXXX XXXX
Product: Student loan

I am about to enter repayment on my student loans all handled by EdFinancial, with this I am attempting to submit a repayment plan request. Their website continuously states there is an error when I go to upload the request document, but allows me to submit my income verification. 

I have attempted to contact them over the phone and through live-chat agents, but have never gotten a solution from them. 

My loans are due to start being paid shortly and I am currently stuck with not being able to enter a repayment plan that would allow me to effectively pay off my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appear that Experian has not taken the time to properly review what is it that the request for an investigation for a charge off account reported to my credit file to which I have been very specific to what issues are that need to be corrected as there has been many violation of the FCRA that the creditor was engage in doing when reported to the credti bureau.. 

In result the credit bureau have the prove that infact the crteditor has been reporting inancurate information that have taken place after the account is reported a a charged off the following are the issue and I have enclso the documents records to support my request. 

XXXX continue to re-age the account by not reporting the actual date when the account first delinquietn month and then the month to which the account was charged off XXXX has reported on a monthly base that the account has been charged off to reflect the most damage to my credit file that the account has been charged off month after month When creditor report the account as a charged off it isa one time reporting and the date reported is final meaning that not reporting the date when it happen and them use a current date as when reported is re-aging this record no allowing the negative records to be lesss damaging as time goes, so this is a violation and violation of your part for allowing this to happen ' The fact that is charged off the need to paid the debt is stil valid, what I am disputing here is what when on taht creditor did when reported monthly after the date of charged off took place but again that date was not reported until now ..but for almost two year did not so the record need to be remove Charged off account can not have a late payment the account is closed so explain to me how is it that they report acount been late 30-60-90 be late and be chrged of at the same time this in incorrect. 

You need to know whoever review this what can not changed and what information can be update on a charged off account
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccuracies in my credit report concerning the account with 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 Enclosed are payment records for the disputed dates proving timely payments. 
A copy of my credit report is included, highlighting the discrepancies. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or unverifiable information. I request that you reinvestigate this account and provide : Detailed proof of the alleged late payments.

The methodology and procedures followed during your investigation.

Should you fail to verify the late payments, I demand that my account be updated to reflect its true status as " Paid As Agreed Never Late. '' Thank you for addressing this matter swiftly. I expect your response within the required 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Student loan

Specifically, there are 68 payments that have been made under my Public Service Loan Forgiveness program that Fed Loan is now claiming are " ineligible ''. Currently, I have certified my employment with a Non-profit and/or the Federal Government from XXXX, 12 Years. Two years over the 10 year time period for the program. The rationale for the " ineligible '' payments are quote " In order for a payment to qualify, it must have been a payment you were required to make. You were not required to make any payments during the following period ''. 

This is fraudulent on many levels. I made payments in good faith. Fed Loan accepted all of the payments to include the 68 in question. However, now I'm being told that on 68 occasions my payment was not " required '' although accepted and applied to my account; but because they didn't require it or send a bill it doesn't count towards my 120 Public Service Loan Forgiveness. If the payments that were made were not " required or requested '' then why would FedLoan accept them? Why wouldn't it be refunded? 

I never wanted to miss a payment given the Federal Governments high interest rate ~7 % and the overwhelming interest I would accrue. I have paid consistently since 2010. My Principal Balance is STILL {$65000.00} as I have paid {$20000.00} in JUST INTEREST and only {$3000.00} has gone to the principal.

My payments continue to increase as my income does with inflation, however its a never ending cycle that I am trapped in. I've paid ~ {$23000.00} and I still owe my original balance. Additionally I have worked in public service to serve my country and community, working as a XX/XX/XXXXXXXX and now at the XX/XX/XXXXXXXX XXXX XXXX for 12 years and still don't meet the 120 payments/10 year program requirements.
Product: Vehicle loan or lease

I HAD A VEHICLE FINANCED IN XXXXXXXX XXXX XXXX I PUT DOWN XXXX AND BORROWED XXXX NOT XXXX THE XXXX IS GAP INSR AND LIFE INSURANCE THAT I DID NOT CONSENT TO AND I NEVER SAW A CREDIT REPORT AND MY APR WAS XXXX  A MONTH SO IN XX/XX/XXXX I RECIEVED A LOAN OF XXXX AND THEN THEY AT LENDMARK SWITCHED TO A XXXX A MONTH FOR 47 MOS WITH A APR OF XXXX THERE IS NOT NO CREDIT REPORTS FOR NEITHIER LOANS AND A REFINANCE WOULD HAVE MADE MY PAYMENTS LESS AND INTEREST RATE LOWER IT MADE IT HIGHER I FEEL THAT THEY APPLIED DECEPEPTIVE TATICS AND VIOLATED REGULATION Z AND THE CALIFORNIA LAW ON GAP INSURANCE ALSO THE I FEEL THAT ON THE CONTRACT IT IS OVER CHARGING ME XXXXXXXX XXXX SO THE LOAN AMT SAYS XXXX WHICH SHOULD BE XXXX AND THE APR IS COMPLETELY OUT OF THE ORDINARY SO I AM REQUESTING ASISTANCE IN THIS COMPLAINT PLEASE. I HAVE CONTACTED LEGAL AID BUT ITS TAKING LONGER THAN USUAL SO I DECIDED TO REACH OUT TO THIS AGENCY THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017, I filed an Identity Theft Report with the FTC Report # XXXX for the following accounts : XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX Additionally, on XX/XX/2017, I filed a Request to Block unauthorized charges under FCRA 605B Both letters were sent via certified mail to Equifax. Let it be known that both XXXX  and XXXX XXXX complied and removed these accounts, conducted investigations and concluded XXXX, XXXX XXXX XXXX XXXX would remain permanently deleted. However, to date Equifax has not responded at all. I have also requested the steps Equifax used to investigate. Again no response! In all, I have sent Equifax request to investigate, block and delete these accounts and have never received a proper and legally required response. 
I have since been turned down for credit moat recently for a XXXX XXXX card due to Equifax, been passed over on a job promotion that would have also increased my salary by {$18000.00} annually. My auto and home insurance has increased. I even reached out to Senator XXXX XXXX office and had a representative from the Senators Office investigate. Equifax has simply ignored every single policy and law. I am again, for the 5th, time demanding that Equifax block & delete the three accounts above from my credit report immediately. This letter will be followed up with a lawsuit  sometime in the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX ,  XXXX , trans union. It is making it difficult to obtain credit. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Transunion and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Product: Mortgage

I have requested to contact to the CEO a number of times but with no regard. Sun West Mortgage Company ( XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX ) did the following. 

XXXX. Had me sign a loan application where they led me to believe there was no closing cost leaving XXXX section blank and claiming at that point it was no money to closing cost loan. 
XXXX. XXXX was done saying XXXX thing and then XXXX months later it was noted as an error. XXXX months with no follow up. We had a weekly request in on what is going on with the refinance and every week Sun West claim was all good and still in the process. 
XXXX. Requested a number of additional things from such as my bank statements when the federal loan requirements say not to ask for thisXXXX. XXXX XXXX has claimed after the fact that something was mailed to me with the closing cost back XX/XX/XXXX. This did not happen. Nobody has seen what she is claiming. I asked for my signature on it somewhere which does n't exist. Only my signature on a loan application with the XXXX area blank is what they can find. 
XXXX. CEO refusal to follow up.
Product: Debt collection

In XXXX of XXXX this account shows opened. Contacted the XXXX agency which information they provided did not match. The first Representative stated account closed in XXXX. Representative then transferred me to a XXXX party for collection which she said the account closed in XXXX. I was asked to confirm mailing address and the address that was in their system did match my physical address. I have not received any correspondence of the debt. I was even unaware another collection agency was handling my debt. To settle the debt XXXX representative gave me an amount and the other provided a completely different debt both withing minutes apart. She also stated even if I satisfied the payment it wouldn't be removed from my credit report. Neither XXXX have me any info that matched
Product: Debt collection

Hunter Warfield keep calling my phone and ask me to call back, can you please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX ACCT # XXXX XXXX XXXX XXXX XXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Pennsylvania XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Account To Whom It May Concern : XXXX I am writing to formally dispute the inaccurate reporting of a XXXX account that is inaccurate XXXX This account is negatively impacting my credit score and overall creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the entry related to my XXXX account number XXXX is reporting incorrect information as it reflects. 
XXXX. XXXX date opened is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX XXXX XXXX is XXXX XXXX XXXX last payment XXXX XXXX How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX states this account is opened XXXX XXXX states this account is closed.

How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account.

15 u.s code 1681 of the FCRA, credit reporting agencies must ensure the accuracy and integrity of the information they report. The continued reporting inaccuracy information is not only misleading but also detrimental to my credit profile.

I have enclosed copies of relevant documentation, including my credit report circling all inaccurate information. I kindly request that you investigate this matter and remove the inaccurate this account from my credit report.

Please confirm receipt of this letter and provide me with the results of your investigation within the 30-day timeframe stipulated by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to XXXX XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card

I had an opportunity to pull my credit report on XX/XX/2023. I found that CKS Prime Investment was listing a collection for {$750.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed. I would really like for someone to look into this for me. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

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 instructio
n.
Product: Credit card

I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question.