23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was on vacation for the weekend when my phone was stolen along with my wallet which contained my debit and credit card on XX/XX/2019. At the time, I was unaware that the items had been stolen until a few hours later. Upon realizing the items had been stolen, I logged on to XXXX and discovered the thief used my phone to transfer {$3500.00} dollars from my savings to my checking and withdrew in increments of {$500.00} seven times for a total of {$3500.00}. The thief also cash advanced off of my credit card for {$200.00}. The unlock code for my phone screen was the same as the four digit number to access my mobile banking on my phone which apparently was used for the transfer. The same four numbers were also the PIN for my debit card. If the thief had one code they had them all and were able to freely operate my account. I immediately called USAA to report the fraud after discovering this on XXXX. I then visited the local Police Department and filed a report. USAA opened an investigation in to the fraud and sent me an email saying they determined the transactions were not fraudulent. I believe that the reason for determining the transactions were not fraudulent was that the thief had access to my mobile banking as well and could have accepted the security messages that were sent regarding suspicious activity during the time of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Mortgage

My loan was sold to Mr. Cooper, formally NationStar Mortgage Company. On XX/XX/XXXX, I inquired about removing PMI on my account. After terrible customer service on XX/XX/XXXX we were told that our PMI would be cancelled. We noticed that we were continued to be charged for PMI after the time of the letter and on our recent Escrow analysis PMI was factored back into the payment of future escrow balance. When I called the company on XX/XX/XXXX they stated that the cancellation letter was made in error and we are still paying PMI and that it can not be cancelled with out completing a costly appraisal in order to verify the value of the home. We purchased our home in XX/XX/XXXX and have paid well over $ XXXX off of the original loan. It seems unreasonable that a company would send a written confirmation of cancellation however not reach back out to us with a retraction letter. As of XX/XX/XXXX the letter was still available for download from our account information but no further communication of such error is to be found on the website or notated in a visible fashion on our account. This company has been awful and unreasonable to work with.
Product: Debt collection

I am a victim of ID theft which I have disputed this account and also sent a copy of my police report this company still send me a bill and reporting on my credit report.
Product: Debt collection

XXXX XXXX is the original debtor who turned me over to a collection agency called Spring Oaks Capitol, LLC. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that Equifax and XXXX has been notified through third-party CFPB of fraudulent accounts and alerts on report. Equifax and XXXX was asked to validate the account information being reported by providing original certified copy of contractual agreement. Equifax has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. Equifax has also had my information breached 3-4 times past few years including compromised accounts. 
Can Equifax, or XXXX provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?
Product: Mortgage

Hello I applied for a Mortgage loan with Navy Federal Credit Union. I qualified with credit but they stated that I have excessive high balances which denied me. I have 2 XXXX XXXX Cards at {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. My XXXX account was paid off two months ago. I have a XXXX XXXXXXXX XXXX credit card with a {$0.00} balance. I have a Navy Federal Credit card and I charged {$4700.00} from XX/XX/XXXX - XX/XX/XXXX and as of XX/XX/XXXX I have a {$2000.00} balance. Outside of that I have 2 auto loans that has a {$6600.00} balance and {$9900.00} and I have paid a total of {$48000.00} total between those loans since XX/XX/XXXX. I think that I have proven that I am economically viable and an excellent creditor. I am not sure what they are seeing but I do not carry balance on my cards and they only reason I am carrying a balance with the Navy Federal Credit Union credit card is because I am trying to build a relationship with them. They have access to my accounts and see weekly to bi-weekly deposits being made with no MISC spending habits. I would like for my application to be reviewed and my credit to be properly considered for the loan or prove to me where my excessive balances are that you use to deny me. If you look at all the supporting pictures even the {$230.00} balance that was just charged for XXXX has been paid just has yet to reflect to the account because it was done XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Student loan

On XX/XX/XXXX, I received a letter through Mohela portal that my interest should be set to 0 % instead of 4.75 % because my loan is under processing forbearance pending IDR-SAVE application. However, I called Mohela 7th times and they kept saying that it is the responsibility of student aid to change my interest rate. I called student aid and they said Mohela should be the one to change my interest to 0 %. I am very frustrated because both parties did not take responsibility which indicated clearly on the letter I recevied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX XXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report maintained by Experian. Despite my previous disputes, these errors remain unresolved, in violation of the Fair Credit Reporting Act ( FCRA ). I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to correct inaccurate information and mishandling consumer disputes, and I am experiencing the same issues. 

The following information on my credit report is incorrect : 1. XXXX XX/XX/XXXX {$70.00} I have attached supporting documentation, a screenshot of the account still on my report, even after all the disputes with no explanation or proof of the account being investigated and staying on my report, to verify the inaccuracies in my report. Under the FCRA, Experian is required to conduct a reasonable investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 

Additionally, I request that you provide me with : The method of verification used to investigate my previous disputes. 
A corrected copy of my credit report once these errors are resolved. 
Notification of any entity that has received my incorrect credit report in the past six months ( or two years for employment-related reports ). 

If these errors are not corrected promptly, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and consider legal action. I trust that Experian will comply with federal law and rectify these inaccuracies without further delay. 

Please confirm receipt of this dispute and provide me with a written response. I look forward to your prompt resolution of this matter. 

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

You said that " during our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumer identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. '' I am telling you that these BANKRUPTCIES is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.
Product: Checking or savings account

I need to activate my debit card, tried to do it by the automatic phone call and was not possible because I dont have Social security number. Then I request to speak with an agent to activate the card and after 4 transer adn more than 1 hour on that the robot said the expected waiting time is more than 1 hour 15 minutes.

I dont that time to waste activating my card.
Product: Debt collection

am writing to dispute an inaccurate entry on my XXXX credit report. There is an account listed under the name " LVNV Funding LLC '' that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the LVNV Funding LLC account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents which displays proof that Equifax in fact removed XXXX XXXX XXXX from file. 

This is called reinsertion, and it is a violation of the Fair Credit Reporting Act I was never notified of a reinsertion, as written by the FCRA in which requires that the CRA send you written notice of the reinsertion within 5 day. 

This resinsertion has no validity and no such documentation of validity has ever been sent to me. Equifax needs to comply with the written laws written within the FCRA and I demand that this be permanently deleted from my record.
Product: Bank account or service

This is the newest bank scam being perpetrated against Americans across the country. I 've had my XXXX account with XXXX now for over 15 years. Recently my son stole XXXX of my checks from my checking account with XXXX over a 2 month period. The checks totaled over {$1800.00} and all were documented. I 've been involved in transit living now over a year due to an electrical fire at my home back in XXXX XXXX. It has been a XXXX experience with my being a XXXX senior. 
Most days I 'm very busy remembering and recording the losses for XXXX and the claims process. I failed to audit my checking account with XXXX until XXXX XXXX and noticed the fraudulent entries by my son. As soon as I did I took him directly to the XXXX XXXX Police Department thinking they would arrest him. Because of his age at that time and him being a minor, they could n't arrest him. After filing the police report, I was informed they would contact the XXXX for a hearing. I contacted XXXX immediately after filing the report. 
A XXXX could plainly see that these were'nt my signatures ; they were printed. XXXX stalled the process as long as they could, continuously requesting the same documents that had already been sent to them. This went back and forth for weeks if not a month. I knew in my XXXX exactly what they were doing. They were attempting to frustrate me to the point of giving up which I 'm sure has been the case many times before. 
Sure enough when the claim was presented to UMB bank, they denied it because " it was n't presented in a timely fashion. I 've been down with the flu is why I 've taken so long getting this complaint to you. Please help me, I want my money. This is the reason for the FDIC, these funds are insured against theft and fraud. My question is who is going to insure me against the criminals UMB and XXXX ; clearly there 's collusion between the XXXX. This happened for XXXX reasons ; first I 'm a senior ( XXXX XXXX XXXX ) and I also happen to be XXXX.
Product: Credit reporting or other personal consumer reports

I was victim of fraud, on XX/XX/XXXX I sent letter to XXXX to explain that I see they report to credit bureau that I have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name XXXX would like this to permanently delete from my credit report
Product: Debt collection

Portfolio recovery has been calling me for XXXX years or more. This is my adult sons Debt not mine or my wifes. He hasnt lived here at our home for many years. I have informed portfolio collectors many times of this they say ok then continue to call from random numbers even from local numbers including my friends and neighbors.
Product: Student loan

I attended XXXX at the XXXX campus. I was there from XXXX XXXX through XXXX XXXX. As far as I knew, I had XXXX loans. A federal loan and a XXXX loan. My taxes said my lender was XXXX and all the emails I have saved for applying to my loan links to XXXX. Found out about the lawsuit/settlement against XXXX and the XXXX loans. Found out that my loan was not qualified for the forgiveness since it was not a XXXX loan. That is when I found out that Campus Student Funding owned my loan. I had never heard of them until last year. I have been trying to get a copy of my original loan contract but can not get in contact with Campus Student Funding and neither can XXXX, they now service my loan. I have also tried to contact the XXXX campus to get a copy of it and they do not have XXXX since it was done online. I believe that my loan did qualify to be forgiven or reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a couple of XXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.
Product: Mortgage

Mortgage company has failed to pay my property taxes which are now delinquent.I notified the mortgage company multiple times starting on XX/XX/19. 
I have called them multiple times as well as emailed with documentation. I asked for follow up which I do not receive. 
As of today the taxes are still delinquent. I attempted to call and leave a message for a contact person there however voicemail is full.
Product: Debt collection

There was a XXXX debt that was sent to Receivables Peformance Management LLC. They contacted us by phone, never sent any paperwork, and we have sent two requests via fax to their company requesting they send us the full accounting. The reference number for the debt is XXXX. We had disputed the charges with XXXX as we were managing a property that was sold, and they refused to cancel the line as it was a fire line, and the new owners never put it into their name. Once this company received the debt from XXXX, we have contacted them numerous times over the phone requesting the documentation, and fax them. We have the fax proofs if needed.
Product: Debt collection

Fredrick J Hanna, with out insuring that I knew the court date went in to court in XXXX and claimed that he was suing me for XXXX XXXX Bank but instead of forwarding the Check to XXXX XXXX Bank deposited it in his account, Copy of the check attached. I have been trying for 7 months to get a signed receipt from Fredrick J Hanna showing where these proceed were credited to a XXXX XXXX Bank account that was in my name, Both Fredrick J. Hanna and XXXX XXXX Bank refuse to send me the requested signed receipt Via email showing where the proceed from the suit were credited to a XXXX XXXX Bank account in my name. Fredrick J Hanna and XXXX XXXX Bank refuse to tell me why I was n't given a receipt for these Proceeds. I request that CFBP forward this complaint to some place that will encourage Fredrick J Hanna and XXXX XXXX Bank to forward my request to my via email ASAP I want to report this when I file my 2015 income Tax.
Product: Debt collection

XXXX is stating that I owe them {$150.00} for cancellation of contract. I requested verification that I had a signed contract and they only forwarded the attached forms. When I originally called on XX/XX/XXXX16 they had nothing under my name or phone number. I am unaware of a contract being signed and their rate of XXXX cents per XXXX is reflective of the current rate from our local XXXX XXXX XXXX XXXX XXXX. They sent me to collections with a company named Credit Protection Association LP. See attached
Product: Debt collection

XX/XX/2021 This company is call tracing and calling everyone involved with me. 

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

There was a vehicle purchased in my name that I did not purchase. The vehicle listed was a XXXX XXXX XXXX. I have never owned or rented that type of vehicle. My identity was stolen and now there are derogatory marks on my credit.