23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out to XXXX XXXX XXXX about a debt that they are reporting on my credit profile without my consent. I have never had an account with these company and I have notified them of the dispute of the fraudulent account and told them they was in violation of my rights by sending me collections letters to my home and reporting the fraudulent account to my profile without my consent and any validation of the accounts. I also notified them and let them know i was a victim of identity theft and also was a victim in the XXXX data breach and I provided them with my data breach engagement number as well and that this account is not mine. 15 US 1681 b permissable purpose of consumer reports ( a ) in general subject subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it may relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. 
As a consumer I am demanding the deletion of the account IMMEDIATELY. 

15 US 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX  told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and to request immediate action under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 605B.I recently discovered that my personal information has been used fraudulently. To protect my credit, I am requesting that you : Block Fraudulent Information : Under Section 605B of the FCRA, I request that you block any information on my credit report that I identify as resulting from identity theft. This includes, but is not limited to, the following accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Please remove the following address I never lived at these address XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Checking or savings account

i lost my wallet on XXXX XXXX XXXX i received a call regarding unauthorized use of my debit card from wells fargo bank. i confirmed with them that the charges were fraudulent and they issued a new debit card and restored the funds. 
on XXXX/XXXX/XXXX wells fargo informed me that investigation was completed and my request was denied. i contacted bank several times but they refused to provide any explanation why my claim was denied and the only reason they provided that my pin was used. i explained that I used my card at gas station for the last time and after that there were fraudulent charges and i did n't know how my pin was compromised. 
according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205 i am not liable for any unauthorized charges and i want my funds to be restored.
Product: Credit card or prepaid card

yes I was told by the unemployment office that I would receive {$220.00} a week for unemployment benefit. I have been filing every Sunday since XXXX, and was approved for my money. I have been waiting for XXXX months now, and yet to receive my Alabama unemployment prepaid card in the mail, My family is struggling and really need this please someone read this. And can hopefully help me with my situation.
Product: Money transfer, virtual currency, or money service

I purchased two money orders from Western Union to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted Western Union and they traced the money orders. Both money orders, one for $XXXX and one for $XXXX had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. Western Union paid me back for the $XXXX, but said the bank that had cashed the check, XXXX XXXX, never responded to their request to refund the money.  I filed a complaint with you and XXXX XXXX responded and provided proof that they had sent a check to Western Union for $XXXX.  I have contacted Western Union and asked them to pay me the $XXXX, but they have not responded.
Product: Debt collection

I have contacted XXXX XXXX XXXX and this agency to advised this account was opened fraudulently and i have the FTC reports to sustain my claims. The company refuse and have very rude agents. Also I have a Consented phone recording where the debt collector refuse to give me info for the legal department.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

DOE has instructed XXXX XXXX borrows who intend to separate their loans to request administrative forbearances on their student loans since the separation process wont be available until late 2024. However, Navient refuses to process any sort of forbearance on my student loan account and only refers me back to the DOE because they havent received any guidance on how to process the forbearances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and XXXX  XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX  XXXX XXXX 's stance is solely based on the fraud/abuse comments within their XXXX listing, then the entire account listing must be removed from XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally file a complaint regarding an issue with my JetBlue credit card that has caused significant distress and damage to my credit, finances, and emotional well-being. 

I had a joint credit card with my XXXX and years after we divorced, I applied for a JetBlue credit card in my name. I was under the impression that the account was solely my responsibility. However, my XXXX informed me that his XXXX XXXXXXXX XXXX account was somehow linked to my credit card. I do not know how this connection was made or approved without me nor did I ever consent to such an arrangement! 

What is most concerning is that I never received any communication from Barclays or any of its affiliates informing me of this change. As a result, payments were made through my XXXX  bank without my knowledge, and when the situation was eventually resolved, it had already caused significant damage to my credit score. I believe this situation arose due to Barclays ' mismanagement and lack of proper communication.

This mishandling of my account has had a profound negative impact on my credit, my finances, and my emotional well-being. I am requesting reparations for this incident and a thorough investigation into how such an error could occur. I trust you will take this matter seriously and look forward to a prompt resolution.
Product: Checking or savings account

XX/XX/19 I deposited {$140.00} dollars to pay my car insurance bill around XXXX XXXX exact into my new bank of america card and instead of an employee putting a sign stating the ATM is broken or not taking cash deposits, they let people deposit their cash and later on the ATM prints out a receipt stating that they can not process my request or return my items and to call a number provided from bank of america. They told me to wait two business days and now I was told 48 more hours or till the XXXX of XXXX, or even 45 business days. It's ridiculous how I have to wait for my money to get credited in my account, which now I'm late paying my car insurance because of this bank 's employees. 2 weeks before this, I deposited my check from my job. I was told it'd be one business day, I called bank of america and they told me till Monday then I called Monday and the money took a whole week on Friday to release the hold on my funds. I've only had this bank for a month and they always hold my funds. They don't want to release the XXXX.
Product: Student loan

Subject : Formal Complaint Regarding MOHELA 's Handling of Student Loan Forgiveness and Loan Discrepancies I am writing to file a formal complaint regarding issues I have encountered with MOHELA, the student loan servicer responsible for managing my student loan forgiveness process. I wish to address the following concerns : Ongoing Issues with Loan Forgiveness Process : Despite my repeated efforts to contact MOHELA regarding my student loan forgiveness application, I have faced significant delays and have received little to no response. This lack of communication is not only frustrating, but it also violates the Consumer Financial Protection Act ( CFPA ) and the Student Loan Servicing Regulations, which require loan servicers to provide clear, accurate, and timely information regarding federal student loan repayment and forgiveness programs.

Discrepancies in Loan Amounts : Additionally, I recently discovered discrepancies in the total amounts outstanding on my loan after my loans were transferred from XXXX, which is currently involved in a lawsuit. These discrepancies may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is crucial that the amounts listed by servicers accurately reflect the loan balance and history. As such, the failure to provide a clear and accurate account of my loan balance is causing undue confusion and distress. 

These issues have created significant delays in the processing of my loan forgiveness application and have caused unnecessary stress in an already difficult financial situation. It is unacceptable for a student loan servicer such as MOHELA to exhibit such disregard for its borrowers, particularly when the servicer is entrusted with the management of important and time-sensitive matters like loan forgiveness. 

As MOHELA is required to adhere to federal laws governing student loan servicing, I respectfully request that the CFPB investigate these matters and take appropriate action to ensure that MOHELA complies with all applicable regulations. It is imperative that borrowers like myself are provided with transparent, accurate, and timely information, and that the loan forgiveness process is handled with the efficiency and professionalism expected of an organization managing federal student loan programs. 

Thank you for your attention to this serious matter. I look forward to your prompt response and any assistance you can provide in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal should be investigated due to their flawed scoring system that rate customers and give false information yet Paypal refused to look into it. I've included a picture. Paypal is giving false information to the Credit Bureaus that i have too many unsuccessful payments. Everything underlined in photo # 1 is a BIG LIE. I've only had 2 Pay In 4 orders with Paypal which would be 4 payments on each order and i've NEVER ordered anything using Paypal other than until i used their Pay In 4. How could i have unsucessful payments when i've NEVER missed a Paypal Pay In 4 payment. Otherwise i wouldn't have excellent credit with XXXX, XXXX, XXXXXXXX XXXX XXXX which are all Pay In 4 and Paypal is copying them with the Pay In 4. I've NEVER missed a Paypal Pay In 4 payment and the only problem there ever was is when my credit card on file had expired and i wasn't aware but as soon as i found out i immediately fixed the issue and paid with another card yet that was in 2020 and Paypal have continued for nearly a year to deny me Pay In 4 due to their flawed scoring system. I've contacted Paypal thru XXXX XXXX several times and was given the run around and sent automatic messages. Paypal have no phone numbers or any kind of way for customers to contact them.
Product: Mortgage

I was in foreclosure for some time, my lender would not send the modification papers back in time for sheriff 's sale. The investor had asked me to buy the house from them after sheriff 's sale. But investor wanted me to move out then close our new loan and move back in. It was a ploy to get me out of my house that I put 20 % down when I bought in 2005. The investor had about 100 mortgages with the same bank as mine. There were definitely deceptive practices don'e to me, so the investor could get my home for XXXX on the dollar. I feel like I was ripped off my life and forced to rent now for last 8 yrs. I want to own my home again very soon can anyone help me.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have contacted XXXX multiple times about my missing credit card from their credit report. They do not acknowledge nor report my credit card from Citibank. I have contacted them over 4-5 times about this issue and they kept giving me the run-around, and it's already been 6 months and STILL they are not reporting my credit card from Citbank. I have contacted Citibank about this twice, and each time they have told me that they have asked XXXX to report the missing credit, but XXXX refuses to do so for some strange reason. 
Both the other 2 credit bureaus, XXXX and XXXX show my credit card from Citibank. ONLY XXXX have refused to report my credit card from Citibank. I have tried calling them. I have tried mailing in forms requesting they report my credit card. Nothing. They have refused every attempt with no good reason at all.
Product: Mortgage

On XX/XX/XXXX my house was completely destroyed in the XX/XX/XXXX fire.  I lost everything I own. Since that date I have paid my mortgage to Flagstar Bank without fail every month.  My insurance gave me a check for $XXXX   that I signed over to Flagstaff  because that was the approximately what I owed on my mortgage. That money was put into a restricted escrow account for my rebuild. I have had multiple issued with this Bank, regarding insurance, getting the initial amount to start my rebuild.  I believe I filed a complaint 3 to 4 months ago regarding an insurance issue that I couldn't resolve with this bank.  What is happening now, is that I have requested more money for my rebuild and they won't give to me until 55% of the rebuild is complete.  Mind you the amount for the rebuild is now $XXXX, way more than I paid for the house. All the prices have sky rocketed because so many people have to rebuild. Flagstar only has Less than 50% of what I need. My insurance company will not give me the balance of my money, which is XXXX, until the money is exhausted from the restricted escrow account at Flagstar. I am involved in the XXXX lawsuit and how to have more funds to finish my house, but at some point I might have to hold back on the finishing items until I have all the funds.  I will continue to pay my mortgage, as I have done.  What's upsetting is now I have all these people working at my house, have signed a contract, and will have not money to continue. Instead I will have liens on the property because I won't be able to pay anyone. The fire destroyed so much of my life, and the support and help I have gotten from Flagstar and my Insurance is causing me so much stress and anguish that I don't know what to do.  Please help me.  I am working three jobs so I can cover the extra costs, but it I can't complete the framing part, I am screwed.  The lawsuit with XXXX   now that its in bankruptcy court will resolve my XXXX of XXXX so I feel positive that I will be fine.  I
Product: Credit card or prepaid card

XXXX card {$500.00} limit, used twice paid off within 3 or 4 months, carried card for 8 months. <P/>I 'm a experienced mortgage loan processor. Understanding credit, debt to income calculations and financial lending most recent standards are fundamental me to having a job, so I get how the economy works. <P/>Synchrony services 90 % of my retail credit card debt and 70 % of the credit card servicing marketplace. Est total ( my husband and I ) synchrony retail debit is XXXX but XXXX of that a luxury jewelry purchase with special financing and XXXX is LensCrafters frames/lenses also with special financing. <P/>That being said, I do n't have any late payments, collections or bankruptcy remarks. 50 % of the retail cards that are reported on my credit report are authorized user accounts which can not be used to calculate negative debt against me because I 'm not financially responsible for the card. <P/>I do n't understand why they closed my account. Is this standard practice for synchrony? I admit that credit cards are different than mortgages but I can assure you the risk assessments need qualification guidelines for credit cards vs mortgage loans It 's like being in from XXXX but only being fluent in XXXX with a XXXX accent. <P/>I do n't get it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry on : XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

On XXXX I placed an online order at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One in a size Large and the second in a size Medium for {$120.00}. 

I returned the item by XXXX. Tracking # XXXX. Item was delivered on XXXXXXXX XXXX XXXX XXXX 

On XXXX XXXX I received an email that the first XXXX XXXX XXXX XXXX XXXX XXXX XXXX size large return has been received for {$54.00}. 

On XXXX XXXX I received another email that the second XXXX XXXX XXXX XXXX XXXX XXXX Sweater size medium return has been received for {$54.00}. 

As of XXXX I have not received my second refund for {$54.00} for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX size medium. 

I have contacted PayPal by phone on XXXX and XXXX with no resolution. 
I contacted XXXX. I was informed by XXXX XXXX XXXX that a refund was initiated on XXXX @ XXXX. 

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

I have contacted equifax to try and get a monitoring service with them and they refuse to let me see my report on line with they monitoring service that I used to have with them and now Im unable to see my report on line threw there website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with all 3 credit bureaus regarding this matter and they have ignored me. Ive reached out to them, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. The bureaus have lied to me and have not done their due diligence to verify the accounts in dispute.
Product: Credit reporting or other personal consumer reports

Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. I would like these inquiries deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was paid by New Hampshire insurance company/XXXX in a workers comp case.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX  - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.