23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2023, I contacted Heartland ECSI, my loan servicing company for XXXX XXXX, because I had not received the billing statements sent. I received my first billing statement, took action, and called to inform an agent that I was not being billed and also let them know my address was incorrect on my bill. I was transferred to a supervisor who created a ticket and told me they could not service my loan even though they were the servicing agent for my loans ; this was due to restrictions placed by my school. 

I then logged into Heartland 's website and paid {$240.00}, the current amount due, less a late fee. The next day XX/XX/2023, I was called by a representative of XXXX XXXX who told me the late fee would be reversed, and my loans would be marked current since I was not billed. Today XX/XX/2023, I logged in to ensure no payment was due since this is the billing cycle, and I am being rebilled the {$270.00}, and the loans are delinquent. This is not the information I was told and should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX, XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, AZ PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX EMPLOYERS : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have Credit card from Citi Bank. I have intentionally kept credit limit at {$800.00}, expecting once the credit limit is reached transactions should be declined. Unfortunately, the credit card allows transactions to exceed the limit. Telephone number for customer service for credit card company is : XXXX XXXX XXXX
Product: Debt collection

Company failed to provide debt validation letter including The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is Hayt, Hayt & Landau PL in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support,   XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies.
Product: Mortgage

To Whom It May Concern, I am writing to you today with a heavy XXXX regarding my current financial situation. Recently, I underwent a medical operation which resulted in a significant loss of income, plunging me into a state of financial hardship. In an attempt to mitigate this situation, I reached out to my current servicer, Esssex Mortgage, for assistance. Unfortunately, they informed me that they were unable to provide any help and suggested that I explore options online. Feeling desperate, I then contacted XXXX, but was informed that due to my XXXX XXXX, refinancing was not an option. At this juncture, I find myself in dire need of a loan modification to alleviate the burden of my mortgage payment. Despite my XXXX appeals, the servicers have rejected my requests, leaving me in a state of fear and uncertainty about the possibility of losing my home. I implore you to please consider my situation with empathy and urgency. Any assistance and could potentially save my home from foreclosure. 

Thank you for your attention to this matter. I eagerly await your response and remain hopeful for a positive resolution.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : CAPITAL ONE BANK USA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance.

Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i.

2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ).

3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m.

4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness.

Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report.

2. Provide me with a written explanation of your findings regarding this matter.

3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable.

4. Provide a copy of all documentation related to this matter, including investigation records.

Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o.

Please consider this letter as a formal notification and provide a written response to the above requests by XX/XX/year>. I expect full compliance in resolving this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to report a disconcerting incident involving XXXX XXXX and TransUnion, which led to an undeserved reduction of my current credit line with XXXX XXXX following a loan application. 

In early XX/XX/2023, I was invited by XXXX XXXX to apply for a loan. They reassured me that this application would not have an adverse effect on my credit. Relying on this assertion, I proceeded with the application and was conditionally approved for over {$30000.00}, subject to a 15-day review period. 

Regrettably, during this review period, XXXX XXXX unexpectedly reduced my existing credit line. This unanticipated action has led to a significant increase in my credit utilization rate, directly contradicting XXXX XXXX 's guarantee that my credit would not be adversely affected by the loan application. 

When I reached out to XXXX XXXX for an explanation, I was informed that the decision to reduce my credit line was made by TransUnion, the credit bureau. This claim raises serious questions. As per my understanding, a credit bureau 's role is to provide credit information, not to make underwriting decisions for a lender. 

The apparent shifting of decision-making authority from XXXX XXXX to TransUnion seems to be an unusual and potentially illicit practice that violates the standard regulations of credit reporting and lending. It is crucial to examine the legality of such an arrangement and to determine if any laws governing the roles and responsibilities of credit bureaus and lenders have been breached. 

In essence, the reduction of my credit line by XXXX XXXX, apparently at TransUnion 's behest, directly contradicts their promise of 'no harm to my credit ' made at the time of the loan application. This raises questions about the potential overreach of TransUnion 's influence and the integrity of XXXX XXXX 's lending practices. 

I respectfully request your assistance in investigating this matter. I am specifically concerned about the legality of a credit bureau making underwriting decisions on behalf of a lender, and the consequential impact on my financial status. I am seeking a fair resolution that involves the restoration of my original credit line, an explanation from XXXX XXXX and TransUnion for their actions, and assurances that such practices will not recur. 

Thank you for your attention to this matter. I am prepared to provide further information if needed. 

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

Subject : Request for Correction of Mortgage Information with TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate mortgage information reported by TransUnion, which I believe is in violation of the Fair Credit Reporting Act under 15 U.S.C. 1681s-2 ( a ). Despite my consistent and timely mortgage payments, TransUnion has failed to update my account to reflect this accurate information, resulting in a negative impact on my credit report reporting also bad factor on loans. Under the aforementioned statute, I understand my rights as a consumer to dispute inaccuracies and ensure that credit reporting agencies maintain accurate records. I kindly ask for your intervention in this matter to facilitate the correction of my mortgage information also to correct on positive manner the loan factor with TransUnion and ensure compliance with federal law. 

Thank you for your attention to this important issue. 

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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to get them to remove the incorrect late payments on my credit report and the company has failed to correct these errors. They are preventing me from securing a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the XXXX  XXXX XXXX/ XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX/ XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve  this problem for me ... it would be greatly appreciated. Thank You
Product: Debt collection

Knew this was a scam and they were spoofing ID on caller ID. I asked caller do not call and informed that this request does not apply to debt collectors. 
The scam is to inform its callers that they are Wells Fargo and that their mortgage payment is late and request an over the phone payment transaction. I did not do it but Im sure thousands of others called by them do! I get called everyday and want these people in prison. Please help!
Product: Mortgage

Due to covid-19 i called lake view loan servicing to see if we can get an differed payment agreement or add it at the end of the loan.the refused and state that i have to pay something even when i notified then that i am out of work about 3 weeks and i don't have any income.other mortgage companies giving up to 90 days. i don ' t know what to do.is not my fault what is happening with this pandemic. i have been following instruction to stop the spread of this dangerous virus.
Product: Credit reporting or other personal consumer reports

I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however XXXX remains on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN WHILE ATTENDING A XXXX  EVENT. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE NOT MINE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE NOT AUTHORIZED ANY OF THIS INFORMATION TO BE REPORTED TO MY PROFILE. I NOTICED SOMEONE HAS BEEN ATTEMPTING TO GAIN LINES OF CREDIT IN MY NAME. IVE CONTACTED THE CREDIT BUREAU TO NOTIFY THEM OF THIS ISSUE WITHOUT A FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE, FURNISHING THIS INFORMATION TO MY PROFILE RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original  signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXXXXXX XXXX   continues to violate my rights according to the FCRA. 

XXXXXXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXXXXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I just recently found out that someone in XXXX, GA has used my name for a loan. I remembered the other day that my mom has some type of bank account in my name. She's had it for a while now. And she stays in XXXX, GA. My phone didn't tell me the exact amount the loan was. It just told me that I have a loan in my name. But the bank account that my mom has in my name, I haven't been able to use any type of money that's been in that account, at all. I only found out about the bank account because I went to the mailbox one day and just so happened to see the piece of mail with my name on it. I wasn't told anything by my mother. Not once.
Product: Money transfer, virtual currency, or money service

I filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Mortgage

I had hardship and was behind on some payments but I received a default letter in XXXX. I spoke with an agent that told me if I caught up on the late payments, that I could then pay the excessive fee of $ XXXXplus as I go. I caught up all the payments. When I went to pay this month I was locked out of the payment feature. I called and was told that I was sent to foreclosure and I asked why. They said because of the fees. I've received a letter from them and now I have $ XXXXplus in fees and I don't know why.