23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting of inadequate loan XXXX which occurred interest and lowered XXXX XXXX XXXX XXXX prior from XXXX to XXXX noted Observing XXXX XXXX credit score everyday XXXX XXXX does not own Student Loans XXXX which appears on his Transunion Credit Account XXXX XXXX does not own student loan XXXXPlease provide the contract and signed documents also the closed loan. 

XXXX XXXX only has 2 student loans which both have been paid off for. 
XXXX XXXX 's current credit report is XXXX XXXX points has been subtracted unfairly off of XXXX XXXX credit score. 

Please update XXXX XXXX credit report and score fairly. 

Please stop adding past accounts as new Transunion when XXXX XXXX credit score increases ... and please update XXXX XXXX XXXX score in a timely manner as it is being built and reported. 

XXXX XXXX credit Builder accounts are not being reported fairly and timely as they are being paid off every month to his credit score. 

XXXX XXXX credit report is being stifled by Transuninon with improper Grade. 
from A to B of Credit age when his oldest account is XXXX XXXX XXXX and should be 6 years to XXXX XXXX XXXX Transunion left Inquiries on XXXX XXXX account which is now Grade B. 

XXXX XXXX credit mix moved from A to B now C to impact his credit Score please fix XXXX XXXX credit mix Transunion. 

Transunion Left Delinquency on XXXX XXXX credit statement which is detriment to XXXX XXXX good standing All of XXXX XXXX student Loans have been paid off in full and loans closed or being paid for. 

Transunion has nothing on Credit Usage when I have credit builder loans and credit builder accounts please fix this the correct way Transunion is retaliating against XXXX XXXX credit score because XXXX XXXX is reporting inconsistency of Transunion credit reporting and bad credit understanding of what Transunion is doing as credit reporting. 

Transunion keeps blaming its computer Algorithm and refuses to take responsibility and credit report fairly.
Product: Credit card or prepaid card

I have had an Apple Card for 3 years and have always paid my balance in full every month and have had to any interest. In XX/XX/2022 I was looking at my transaction page and saw where this merchant which I knew had charged my card multiple times on that day I was checking it. I am talking a lot of money. I right then got in touch with the merchant and notified Apple Card. I have to be honest I am terrible at checking my monthly statements but I had noticed that XXXX and XXXX my bill was high but just thought I needed to slow down on spending. I checked the previous 2 months and there were numerous charges from that same merchant. I then turned them in also. I am talking over 70 transactions and thousands of dollars. It was a 4 month ordeal and they were all ruled in my favor. Apple Card has not credited my account with all the charges to this day. I have all the dispute transactions in my favor. I did have to dispute most of them a second time. On Monday morning XXXX XXXX, I got an email telling me my account had been closed for not following their agreement. I called them and they said read your email. I said why would you have done that. I pay my bill every month. Oh and they had just given me a XXXX line of credit raise.My credit line was {$37000.00} after the increase. There is still a XXXX balance but I know if they would had posted all the charges that I won in my favor they would owe me. I asked them if all the disputes were complete and they told me no and I said how can to close my account and I know you have not credited my account with some that I won. I have figured there is about {$10000.00} worth that had not been credited to my account. I have all the resolved emails, snapshots of my account and the ones they have not credited me. When I asked how many disputes were still open, and they said 12 and I said I dont know how you can close my account. I said well how do I know my balance will be the same and she said well there is only 3 left and its figured into your balance. That was a lie. They were trying to get me to pay off the balance on Monday and I almost did, but thought something is not right. I have all the chat messages also. I dont want their charge card anymore that dispute fiasco was a nightmare for 4 months. But I do want what is coming to me, I had payed for XXXX and XXXX and didnt catch it until XXXX, but at least it was at the beginning of the month. I have a credit score of XXXX and I dont want it to be destroyed from this. I did nothing wrong but dispute fraudulent charges!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

I requested an income driven repayment plan to help me pay back my student loans since I am currently unemployed. Every time I call no one knows what is going on with my account, my student loans, or my income driven repayment request. I 've been lied to, hung up on, put on hold with nothing but dead air so it sounds like they 've hung up on me for thirty minutes straight at least, I 've been redirected to the make a phone payment area when I 'm just trying to get an income driven repayment plan, and make my payments on time so I do n't default on my loans and ruin my life worse than I apparently did when I took out the loans.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX thanksgiving, i bought a XXXX XXXX XXXX from https : XXXX XXXX XXXX XXXX XXXX 36 month financing option at $ XXXX. The financing seems to be from XXXX XXXX. Phone was delivered to me promptly, however i did not receive any information on bank, card, account number, payment due, payment options etc.. 

In XX/XX/XXXX, i noticed a delinquency record related to XXXX phone. I called XXXX customer service and they confirmed that its XXXX XXXX dealing with financing. I called XXXX XXXX Customer Service - there was no option to speak with customer service agent in their IVR option. I got hold of debt collection teams number, i called and spoke to them and realized that they do not have my address and phone number so there was no communication sent to me. I gave them my address and phone number and asked them to update and issue my new card / new account number. I also paid outstanding balance at that point of time {$140.00}. This amount include late fee of {$100.00} charged to my account. They waived one late fee, for the remaining they asked me to submit a dispute form. I was told that i need to submit/mail in a physical dispute form to reverse the late fees. I was hoping that problem will be solved so went ahead and submitted dispute form as well on XXXXr XXXX XXXX through USPS certified mail to XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Tracking number was XXXX. This was duly delivered on XXXX XXXX. However, my ordeal with XXXX XXXX did end there. As i dint receive my new card or account number, i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in XXXX XXXX, their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. XXXX XXXX debt collection agent ( XXXX  ) confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form, they have no clue on that as well. XXXX claimed that she is transferring me to dispute team, but later updated me that she spoke to dispute team and they confirmed they did not receive the dispute. Only thing XXXX helped me with is my new account number so i can register myself online. on XX/XX/XXXX, i paid {$1000.00} for a phone that was valued at {$940.00} to close down the accound and avoid any more bad experience with them. It looks like XXXX XXXX business model is to make money on late fees on 0 % installment loans. Through zero communication to customer, they ensure they will get late fees on every loan account. 

Overall, XXXX XXXX punished me for no mistake of mine and they had no intention to reverse and rectify the situation inspite of no mistake from the customer. I want CFPB to look into this issue and take strict action against XXXX XXXX for exploitng customers and take action to correct my credit report with delinquency record and refund late fees charged to my account and additional compensation for bad experience..
Product: Mortgage

I received my Escrow analysis for the year in early XXXX. I noticed right away my monthly payment went up XXXX dollars a month and we had no idea why. So after further review, I noticed that Arvest had double payed our home owners insurance. I called on XX/XX/XXXX to get this fixed and they assured me they would correct it. When I logged in XX/XX/XXXX to see if this had been fix, it had not. In the mean time, we had received a refund from our wonderful insurance company for the second payment. So I called Arvest to speak to someone. They said they had canceled the re-analysis of the escrow/mortgage after they noticed the over payment. But this did not fix the problem in our mortgage going up XXXX dollars a month. They then said they would complete the re-analysis and it would be corrected for XXXX which i disagreed with. I said, I called you on XX/XX/XXXX, and you didn't do what you said you were going to do. You are asking us to pay an additional XXXX dollars and many families can not afford to do that. So fix it for XX/XX/XXXX. I asked to be transferred to someone else, I was. She was able to get the escrow department to run the re-analysis right away and it should be fixed by the end of the month. I was very happy with that but I wanted you to be aware of this Mortgage company. XXXX. I have had 5 other mortgage companies and have NEVER had a problem. I worry this could happen to others who are not as aware and may be taken advantage of.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : 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: Mortgage

Complaint against Seterus, Inc. Their procedures and forms are inadequate to meet customers ' needs ( allocating sums to each item payable ) and amount to a denial of their right to pay correctly additional amounts on their principals, every month, in a reasonable manner. Allocation of amounts paid each month since end of XXXX have been erroneously made by Seterus, causing unresolved phone calls and potential harm ( i.e., late payment ). 
Example : this month, on XXXX XXXX, Seterus allocated the whole amount of my payment ( exceeding my regular monthly amount ) to the principal instead of first to my whole monthly payment and the additional extra amount to the principal, and I discovered by chance that my XXXX XXXX payment was not recorded as paid, which would have induced late charges had I not made an additional phone call to verify Seterus ' letter acknowledging receipt of my payment that I received on XXXX XXXX or thereabout. Each month I must deal with this kind of errors which amount to consumer harassment.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform www.XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by www.XXXX. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind wwwXXXX. After transferring to the XXXX address, the cryptocurrency was cashed out with a Coinbase-controlled cash-out wallet. Based upon the understanding that www.XXXX is acting compliant and will provide the due care towards its own walletholders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, as of the date of this complaint, www.XXXX has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.coinbase.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, www.XXXX  does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Mortgage

Our original Mortgage loan was with XXXX  XXXX - loan was XX/XX/XXXX - We had gotten extensions on Mortgage through out loan - Sold to Select Portfolio Servicing in XX/XX/XXXX. We have made all payments on time other than 1 late payment. Original loan maturity is XX/XX/XXXX. We were under the understanding that payments would continue due to extensions that were granted by XXXX XXXX. One until we received notice from SPS Servicing that anything owed would be due on XX/XX/XXXX. I started application for assistance In XX/XX/XXXX. Each time they needed additional information - which I submitted - ( 1 ) unemployment letter - explanations along with bank statements showing continuation of unemployment payments to date - Payroll stubs - retirement and ssi letters of income. Letters continuing until XX/XX/XXXX when they accepted the application - received letter of denial for home retention loss mitigation of XX/XX/XXXX - account did not meet eligibility requirements because we were not late on mortgage payments although {$9000.00} is due in complete payment on XX/XX/XXXX. They will not accept any partial payments after that date it must be paid in full. No help with this company due to pandemic situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881. 

This is inaccurate. Please remove these errors from XXXX, Equifax, and XXXX that shows we have been late. 

Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/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 items 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent Cfpb lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CENTURY CREDIT & COLL is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with CENTURY CREDIT & COLL. I also never authorized XXXX XXXX XXXX to release my medical information to a 3rd party collection company. 

CENTURY CREDIT & COLL is reporting invalidated debt. 

XXXX is as well in violation of my HIPPA rights reporting invalidated debt on my credit report.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$2900.00}
Product: Debt collection

XX/XX/2023 and I recently contacted Debt Recovery Solutions , LLC after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX  XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.
Product: Credit reporting or other personal consumer reports

This is the law : The following information in this report does not belong to me. My information has been compromised, or I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.