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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, An credit card open by XXXX XXXX  XXXX XXXX and an Hard inquiry from XXXX XXXX XXXX on XXXX This hard inquiry was from a fraudulent credit application that has been resolved by XXXX XXXX this has resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have been paying XXXX  monthly to XXXX XXXX XXXX. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Product: Mortgage

I changed my homeowner 's insurance around XX/XX/XXXX. My Mortgage company ( Mr. Cooper ) sent my new payment to my new insurance company on XX/XX/XXXX for the amount of {$770.00}. However they sent the payment to the wrong account number. On XX/XX/XXXX my insurance company cancelled my coverage due to lack of payment. When I discovered this I contacted Mr. Cooper in an attempt to resolve this. After going back and forth I finally just created a new policy on XX/XX/XXXX and asked Mr. Cooper to get my {$770.00} back from XXXX XXXX. 

Mr. Cooper then sent me a note stating that since I did not have coverage from XX/XX/XXXX to XX/XX/XXXX they would purchase a more expensive policy for me to cover the lapse. I called them and stated that since the mistake was not my fault, that I should not pay for the insurance. The representative told me that when the payment was taken out of my escrow account I should call back and dispute the payment. On XX/XX/XXXX and additional {$680.00} was taken out of my account to pay for this insurance lapse. I called Mr. Cooper and they said they would refer this matter to their " research department '' and that it would take 7 to 10 days to resolve. It has now been 10 days with contact or resolution to the issue. 

I have called several times and have had to explain this scenario to a new customer service representative each time. I was finally put in touch with an escrow supervisor who stated that this was an insurance matter and I would have to speak to an insurance supervisor. I was put on hold for several minutes and then my phone call was abruptly disconnected. I called back and was told that a supervisor was not available. The customer service representative left a message stating that a supervisor would call me back in 24-48 hours.

At this point {$1400.00} of my escrow money ( the {$770.00} payment to the wrong policy and the {$680.00} for the lapse in coverage policy ) has been misappropriated from my account. I have called numerous times only to be told to wait another 7-10 days with no resolution.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}.
Product: Credit card or prepaid card

I paid my Care Credit Card balance of {$7000.00} off on XX/XX/2021. Care Credit charged me {$240.00} twice in the same month of XXXX. I contacted my bank to report fraud and they investigated and {$240.00} was reversed. In the interim, Synchrony Bank forwarded me {$240.00} ( check # XXXX ) on XX/XX/2021 and I returned same check on XX/XX/2021 ( see attached copy of check with correspondence ). 

Following are the customer care representatives I spoke with and never received any resolution : 1. XXXX on XX/XX/2021 2. XXXX on XX/XX/2021 3. XXXX on XX/XX/2021 4. XXXX, XXXX on XX/XX/2021 Lastly, when I spoke with XXXX she told me she would stop payment on check and place a -XXXX-balance on my account. To date the account is {$270.00} incorrect ( statement attached ). Following is the breakdown : {$240.00} erroneously charged, late fee of {$29.00} and interest of {$5.00}. 
I expect my account to be adjusted to show no balance ; all charges and interest removed, the credit bureaus contacted and an apology from Care Credit and Synchrony Bank.
Product: Debt collection

Comenity Acct # XXXX & XXXX XXXX  # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank XXXX we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
Product: Money transfer, virtual currency, or money service

I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.
Product: Mortgage

In XXXX of 2005 I made the mistake of getting an interest only loan, or predatory/exotic loan product via a residential loan broker and so ten years later after paying interest only for the full 10 years, I find it crazy that Ocwen is still charging me 6.125 % now on a 20 year term for the exact same amount that I started at. 
I paid the 6.125 % and made it through the 10 years now that times are a bit tighter I reached out to renegotiate the terms or hoping they would gladly offer me a mod, but every time I submit the documents they tell me the same story " we didnt get all the documents '' or " can you resubmit this or that '' when the real deal is that they just dont want to give me a better rate. 

After paying XXXX in interest only on a very iffy loan product and a very healthy down payment I find myself having to be concerned about losing my home. 

One week they say I need to be 4 months behind in order to be considered next week its 2 months and that is affecting my credit rating, plus all the lawsuits against them I was hoping they would offer it to me without me having to beg to keep paying them, keep paying property tax, and the rest of the expenses that homeownership consists of. 
Givin all the serious misdeeds and ultra lax underwriting not to mention blatant fraud in the loan origination area during that time and the fact that most of these big investors and lenders were betting on these loans failing its a bit of a conflict of interest and since the settlement you would think that it would not be so hard especially since they have recouped almost the entire loan amount in interest only, and my loan is still at 6.125 % and it was meant to be an adjustable after the 10 years and that is twice the going rate. 

I dont think that making someone jump through hoops to get a fair shake is a good way to do business with someone who has worked hard and made my payments and now wants what is fair, and I know and you know whats fair would at any other time in the history of our country be much better that a rate reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : 1. information solely as to transactions or experiences between the consumer and the person making the report 2. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : 1. XXXX XXXX BANK XXXX 2 XXXX XXXX XXXX BANK XXXX XXXX 3. XXXX XXXX BANK XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX BANK
Product: Money transfer, virtual currency, or money service

I am filing a complaint againstt CashApp ( Block, INC. ) due to its inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically CashApp failed to take precautionary measures to ensure legal help was issued also failed to assure the protection of fraudulent activity from my account leaving it vulnerable and hackable. Furthermore, their dispute resolution is deceptive, manipulative and unprofessional. As well as unreasonable! They did not comply with. ( EFTA ) act neither Regulation E, which had caused significant loss and i seek appropriate redressing for these violations. Thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to solve this issue with Equifax in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to remove these fraudulent charges from my credit report. This is a violation under the FCRA. Account is the following : XXXX XXXX account # XXXX. Opened date : XX/XX/XXXX. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Equifax
Product: Mortgage

Starting XX/XX/XXXX I have repeatedly contacted and asked for a payoff quote. Letters was sent on XXXX XXXX, 2017 3rd Fax was sent on XXXX-17 1. I requested one payoff and validation via Certified mail with Return receipt requested. 2. I sent FAX asking for a payoff request 3. They are on recording line stating had faxed information. Never faxed information. 4. Called back and they said they would fax it again. Never faxed information. 5. Per state requirement they have 7 days to provide information it is going on almost 4 weeks.
Product: Credit card or prepaid card

Capital one is showing that I have late payments for the months XXXX, XXXX, and XX/XX/2019. I have tried to contact the company multiple time to fix this inaccuracy
Product: Credit reporting or other personal consumer reports

My identity was stolen from XXXX and XXXX. The person used capital one to open up a credit card in my name and maxed it on XX/XX/year>. {$10000.00}
Product: Credit card or prepaid card

Well I was XXXX  XX/XX/XXXX too XXXX and all my belongings was at the woman house I was renting a room for and there was transactions on my card the whole time I was XXXX  so I made a police report and made a dispute to the card company and basically they said they couldn't put the funds back on my account
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX  XXXX XXXX XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX credit XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

I am submitting this formal dispute regarding inaccuracies reflected on my credit report, which your bureau has reported. The information tied to certain accounts is incorrect, and I request that it be corrected immediately to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

The attached letters provide specific details about the errors, including documentation supporting my claims. These inaccuracies include erroneous reporting of account dates, statuses, and other data that inaccurately portray my payment history or account standing. As a result, this misinformation is unfairly impacting my credit score and financial profile.

I kindly request that you initiate an investigation based on the information provided in the attached letters, correct these discrepancies, and remove the erroneous data from my credit file. Please ensure that my report is updated to reflect the accurate information in accordance with the FCRA and provide written confirmation once the changes have been made. 

If any further information is required to resolve this dispute, feel free to contact me. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Product: Money transfer, virtual currency, or money service

I transferred XXXX to my XXXX via discover bank. The funds have gone missing as the recipient bank has not received the funds. My bank is not taking action to give me my funds back. They keep repeating that it was sent and not their fault. It has been a month and I have a significant amount of money missing.
Product: Credit reporting or other personal consumer reports

I bought a vehicle on XXXX I already had financing lined up and check in hand from XXXX XXXX. Regardless of this the dealership shot gunned my credit without my permission and without my knowledge to a lot of other lenders. Both the dealership and I have been trying to rectify this but credit bureau refuses to remove the unauthorized inquiries knowing full well that the unauthorized inquiries were done illegally! And that a letter was sent from dealership explaining this.
Product: Credit card

Synchrony Bank has NOT been willing to help us in supplying us with the Information that we requested ie A. When was the Pay Pal Card issued? As we have never had a PayPal Card B. When and where were the purchases made! 
C. Why even though we give the supposed account number, do we need to give our Personal information ie Social Security number, Home address etc D. After researching I have discovered that Synchrony Bank has had some major legal issues with underhanded debt collection in 2021 The Debt amount is according to the synchrony Bank is {$820.00} They have not responded to our inquiries regarding this debt
Product: Checking or savings account

Wells Fargo wouldnt process check deposits immediately thus holding funds, holding transactions thus causing overdraft fees or insufficient funds. Payroll payments would be held for 2-3days regardless of funds
Product: Credit card or prepaid card

On XX/XX/2022, my GM Rewards Credit Card by Marcus at Goldman Sachs was charged in the amount of {$470.00} by a merchant that I did not recognize and was unaware of - it was an unauthorized charge ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ). Upon realizing this, I raised the issue to Goldman Sachs and they temporarily refunded the disputed amount while they investigated. Today, XXXX XXXX, 2022, I received notification from Goldman Sachs that my dispute claim was denied because the " merchant was able to provide sufficient evidence. '' Goldman did not explain or show me the evidence that was provided to them. I'm a consumer and am simply trying to dispute a charge that is fraudulent and I don't recognize. Yet, I'm being penalized by Goldman for this charge and am now being charged for {$470.00}. My account ends in XXXX and the dispute ID is XXXX.
Product: Mortgage

Ocwen is continuing with a foreclosure despite a bankruptcy filing, a Chapter XXXX Petition with the United States Bankruptcy Court, District of West Virginia, in Case Number XXXX
Product: Payday loan, title loan, or personal loan

I signed a new agreement and they went back to the old one. which all my payments went to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and was appalled at the information that was on my consumer report. I noticed that there are a few violations on my report. 

The first one I noticed is what was is supposed to be Excluded on my report according to federal law 15 U.S.C. 1681a specifically states that any approval of extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. 

I believe XXXX XXXX is in direct violation of this statue code. 

The second violation I found is under the Truth in Lending Act. 

15 U.S.C. 1666B ( a ) states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I believe XXXX XXXX is in Direct violation of this statue code. 

my character and reputation have been damaged due to XXXX XXXX furnishing this false and misleading information on my consumer report
Product: Credit reporting or other personal consumer reports

XXXX XXXX Continues on a monthly basis to report Non Payment for a debt that was sold to a debt collector. Attached are Credit Report XXXX XXXX  showing the reported missed payments to the credit bureaus after sale of debt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}