23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Millennial Home Lending that was deceptively suggesting that they were affiliated with FHA. Only in the fine print does the letter reveal that it's actually from Millennial Home Lending. The letter is an attempt to have me call their " FHA Loan Service Center '' number at XXXX with my " eligibility number '' to find out how I can get a " tax free '' cash-out refinance for " {$25000.00} or more. '' I believe this letter is a UDAAP violation.
Product: Credit card or prepaid card

In XXXX auto pay was turned off for my capital one card and additional payments were made. I turned the auto-pay back on but it was not processed as expected due to what appears to be an error on capital ones end. They deny this technical issue and have accessed my account late fees and reported to credit reporting agencies due to this. I called and attempted to rectify the problem. They also denied me the issue to record the conversation which I am legally able to do as New York state is a one-party consent state and I consented.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of Seedfi, XXXX or XXXX XXXX XXXX until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.
Product: Debt collection

National Recovery Agency Collection is attempting to collect on and account that doesnt belong to me. The account number show on my credit report is account XXXX amount {$2500.00}. The address is shown as XXXX XXXX XXXX XXXX, XXXX, Massachusetts. I XXXX XXXX XXXX XXXX Have never live at this address.
Product: Debt collection

From XX/XX/2024 to XX/XX/2024, a debt collection company called XXXX, XXXX, and XXXX called me XXXX times from an automated number saying they have a legal matter that requires my attention. On the XXXX attempt, I decided to pick up. The lady that answered the phone, XXXX XXXX, informed me that there is an outstanding debt against me. I asked several questions trying to get more information but she continued to deny providing it. She threatened freezing all of the accounts associated with my social and that a XXXX would show up to my residence to serve a legal notice. I requested a few hours to research the validity of the debt. I was not able to find any record of the debt nor has anything shown up on my credit history for the past XXXX  years. When she called back ( XXXX call ), I informed her that even if the debt existed, the statute of limitations of the debt had been exceeded. She immediately threatened freezing accounts and law enforcement intervention and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please tell me why Equifax scores my credit XXXX points lower than XXXX, is very slow at raising my score, and will drop my score by several points immediately if my balances rise on any of my accounts. Is Equifax paid to suppress people 's credit scores??? Who pays these people? This is a genuine problem and I am sure I am not the only one that this happens to ALL THE TIME!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681. 

FOR XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 XXXXXXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, XXXX & Experian ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI
Product: Checking or savings account

Unauthorized transactions on account and bank is not honoring terms and agreement provided, bank is also violating 1974 privacy act law providing photos and pictures and public and pribate information to 3rd parties vendors, also this is a notice of securities fraud for not crediting account
Product: Credit card or prepaid card

I made a {$270.00} payment to my Walmart credit card on XX/XX/XXXX. They updated my account balance but refuse to update my available credit for 7 to 21 days. The supervisor stated because my payment was larger than previous payments there is a hold on the update of my available credit. Is this legal when they received the funds from my bank on XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report. I am a victim of a data breach and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), request that any information on these accounts be removed from my credit file to prevent further identity theft repercussions. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We refinanced our home on XX/XX/2013 and reduced our payment to {$1400.00} per month. 
But after a couple of.months the lender is sending bills for XXXX. 

They are adding another another item.colled.other fee and collecting un authorised money from us. 
We called the customer care. 
They told me If I am not.paying it they may forclose me. 
I am XXXX and surviving with XXXX small. children
Product: Mortgage

At the beginning of they year, my account was fixed and everything was set current. All of a sudden, I'm behind again. All my payments have been made on time. How can a place do this, they can't even figure out how to post a payment. I emailed the rep multiple times and she never responded, I tried on the phone multiple times and couldn't get anyone to help. Customer service is non-existent at Pennymac, how they're allowed to service loans is a travesty.
Product: Credit reporting

I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Bank of America account to XXXX to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus have provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please take a good look at the following items and remove them once the Credit Bureaus found them inaccurate as soon as possible : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit bureaus accountable for your willful noncompliance.
Product: Debt collection

On XX/XX/2023, XXXX XXXX XXXX attempted to charge my XXXX XXXX  account XXXX which I should have just been charged {$26.00} because I am on the affordable connectivity program ( they charged me the amount of {$26.00} on XX/XX/2023 ). So they ended up charging me the XXXX AND XXXX which I disputed the XXXX on XX/XX/2023. A XXXX of XXXX was credited to me on XX/XX/2023 and was finalized on XX/XX/2023 through XXXX XXXX  XXXX Today, XX/XX/2023, I was sent a debt collector letter from TRS RECOVERY SERVICES of XXXX which I do not owe and will not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with Experian ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.
Product: Credit card

Hello, I 'm having issues with Best Buy Credit Card. The problems started when I charged something to the Best Buy Credit Card with authorization. It was suppose to have been services using the XXXX for some computer work 2 years ago. When I picked up the computer I discovered that none of the work had been done and the company gave me back a complete refund. However, a complete refund was n't processed. The only thing that was charged was through the geeksquad and software that the geeksquad was suppose to install and active, which it never was. Best Buy never removed those charges. Even since then, I 've been battling Best Buy with Fake charges to fees and stuff that I do n't know. I 've finally asked Best Buy to provide me with a complete accounting of all the fees, charges and everything. They are charging me thins such as " late fees '' for claiming that my payment is late, when I pay it at the beginning of the month. Iv'e always paid the card at the beginning of the month and htye 've changed the date from the standard date of the month to a rotational every 28 days ... which means that the date moves. My bank has record on when it paid because its swet to go out the XXXX week of the month as I 'm on XXXX and that 's when my income comes in. I 've called the company they claim they have n't changed, which is non sense. Not only have they changed the pay due date and charging me late fees wthout notficiaiton, they changed the type of charge card from a master card to a visa and I was never given the notficiaton. I 've also had some identity theft issues that I 've been dealing with and these were removed. So basically they are having me pay " late fees '' on something that I 'm not charging only to collect a fee. They claim that the payment is due on the XXXX or something like that and I paid it the XXXX week of the month, two weeks early, so then tjey claim that well y payment must have been fro the previous month because of their " late fee '' wrong, Its for the month. I even went and paid them several times two payments in the same month ( bank records ) and thet still go and charge me claiinng that its late. ( I paid around the XXXX and then the XXXX ) well, if the payment due date is XX/XX/XXXX an I paid on XX/XX/XXXX and they have a 28 day billing cycle then the payment is wthin the correct day closgin, correct? I 've requested the aduit they 've refused. I 've requested to speak with a supervisor regarding this they refuse. At this time I believe that Best Buy owes me for fees that they 've illegally charged because I have n't been using the card at all!!! in case the representative said the ONLY FEES that was on the card were the LATE FEES ... .well if I did n't have a balance and I paid it off athen why am I being charged late fees????? I need help and XXXXbest buy is refusing to assist.
Product: Credit reporting or other personal consumer reports

Fraudulent purchases were made on my account, I have tried to get proof so I can know who made these purchases in order to file a police report, this has been going on over XXXX  years and Discover continues to report negative information on my credit report which is over the XXXX  year limitation to report negative information. instead of helping me resolve this matter, they have chosen to ignore my letters asking for proof of debt
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX  XXXX XXXX .... & XXXX XXXX  XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent accounts and increase on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXX XXXX XXXX XXXX  on Thursday XX/XX/2022 through Synchrony Bank. On my transunion credit report it is showing XXXX inquires when I only applied XXXX time. I contacted XXXX and they told me to contact the lender to get a deletion letter. I contacted Synchrony Bank and they said they only show XXXX inquiry and that they couldnt help me and told me to contact XXXX to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get this removed.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate accounts and information was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

The hired an attorney to garnish my back account however I told them I stopped working since XXXX of XXXX. I am now on welfare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several phone calls claiming to be working with federal government to reduce credit debt. They know my approximate debt amount, last XXXX of social. They offer help via XXXX XXXX to help with debt... I was supposedly flagged for the benefit. I told them not interested, not to call any more, and that I died XXXX  days ago. His response stop lying, at which point I hung up. I usually don't answer phone with unknown numbers, but have some incoming calls related to my XXXX XXXX health that I need to take. 

I suspect the call is coming via a credit bureau to know what they know. I have frozen my credit so that only I can access. I use Credit Karma to track so they are likely culprit. Numbers that have call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are from this month. I have not called them back and I did not answer all of the calls. I captured the numbers via caller ID. And you see the common theme with extension. It was the same person that I spoke with for the first call and the last. 
Thank you for any assistance. I'm very concerned with the information they do have and not sure what else I can do.
Product: Payday loan, title loan, personal loan, or advance loan

When a medical expense was more than expected, I secured a Carecredit loan through the medical office of my physician. This was not the first time that I had used their services for medical expenses. This time however, when the loan reached its one year mark, all of the interest that would have been owed on the account was put onto my balance. Resulting in {$2000.00} being added to my bill. I currently have an interest rate of 39.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX / XXXX days late in XX/XX/2020 XXXX XXXX XXXX / XXXX days late in XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX  ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I want to freeze my children 's credit with all three major bureaus, and it is a very arduous process. It is not possible to process the request online, and you have to send copies of their social security cards in the mail to each of the three bureaus. The simple fact of sending a social security number in the mail is very risky and goes against everything we are told about protecting our social security numbers. Also, it is discriminatory against people who do not have access to a printer/copier at home because they have to go somewhere to make copies of all the documents requested. The credit bureaus need to be required to update their systems to handle and process these requests online.
Product: Money transfer, virtual currency, or money service

After being aware of being scammed use of XXXX as a money transfer service through my bank USAA I filled a dispute. I thought by using XXXX as the USAA app has it on their service that I was offered protections. Apparently I am not and USAA will do nothing at all even after being a member for over 10 years with multiple services from them. All they can say is Im sorry. They never kept in up to date with the dispute I had to contact them every time. And even after they denied my claim they still did not inform me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition doesnt notify me when working on a dispute. I cant even get into my account.