23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I currently hold a mortgage loan through Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX I was had automatic payments setup for twice a month. For the month of XXXX partial payment was taken out of my account and added to my mortgage account on XX/XX/14 {$540.00}. I cancelled the next auto draft because I was changing banks. Instead of Wells Fargo applying the partial payment to my mortgage, refunded it to my account or allowing me to pay the remainder {$540.00} Wells Fargo instead applied the payment to late fees without my consent, without my authorization. Those funds that were taken out of my account was strictly for principal, interest and escrow not any late/outstanding fees.
Product: Student loan

XXXX XXXX closed down in XXXX of XXXX and I was told that I would get my loans forgiven if i filed for student loan forgiveness filling out the School Closure form by XXXX XXXX, and that's what I did but got denied. then called my student loan provided Nelnet told them the situation, Nelnet told me to fill out the Student Loan Defense to Repayment and that's what I did but i was denied for that. I should not have to pay back loans if my school closed down. Below are the dates the student loans were taken out, and the amounts owed. 

XX/XX/XXXX I owed {$6000.00} since then Nelnet has charged me over {$3000.00} in intrest. 

XX/XX/XXXX I owed {$3500.00} since then Nelnet has charged me over {$1000.00} in intrest XX/XX/XXXX I owed {$3000.00} from the previous year since then I've been charged {$330.00} in intrest
Product: Student loan

Requested refund for payments made during XXXX XXXX XXXX had to wait for loans to consolidate late XXXX when I made Request aidvantage told me the refund was approved XXXX and would receive in XXXX to XXXX weeks since then no updates til I called this morning XXXX and they just now told me after XXXX weeks that I wouldn't get refunded because the payments were made before consolidation didn't know they had to be!!! Anyway misinformed all across the board!!!! No communication at all!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I was approached by a person named XXXX XXXX on XXXX XXXX. She said she was from a recruiting company called XXXX XXXX XXXX. She said I will be contacted by someone on XXXX for a part-time work. 

I was then approached by a woman called XXXX for some part-time work for which they would pay me in XXXX XXXX. 
The work consisted of logging into a web application [ XXXX XXXX XXXX ] and depositing some initial amount {$110.00} minimum. 
The app would then display images of some mobile apps. I need to click on these images. One image click was called a task. 
The initial deposit was the cost of these tasks. 
For each click I would be paid a commission of 0.5 %. 
There were XXXX such tasks to complete in a day. 
Higher the initial deposit greater the cost of a task and greater the commission. 
Now and then there would be a combo task whose cost was greater than initial deposit and would cause my deposit amount to become negative. 
To continue further I needed to deposit an amount equal to the negative amount. 

For the first 4 days, they kept paying me as if everything was real. 
On the XXXX day, I committed a higher amount as initial deposit. That's the day when they kept making my balance negative. 
And towards the end, my negative balance stood at XXXX XXXX. The scammer said that I can't withdraw my initial deposit unless the negative balance was cleared. 
That's when I started searching online if I would ever get my money back. I read an article on Redditt about a similar scam and that's when I realized I had been scammed. 

I reported this scam to XXXX FBI. 

I complained to JP Morgan Chase bank regarding this scam, the details of which are attached in a letter.
Product: Consumer Loan

I HAVE A COMPAN THAT KEEPS CALLING ME ABOUT A DEBT THAT IS NOT MINE. THEY HAVE THE WRONG NAME BUT KEEP CALLING ME AFTER ME ASKING MULTIPLE TIMES TO STOP. THEY ARE LOOKING FOR A XXXX XXXX. THAT IS NOT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them to remove my security freeze on XX/XX/2020.
Product: Checking or savings account

On XX/XX/2024, I used ATM XXXX Terminal Number XXXX located inside a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX at XXXX pm. I went to get a withdraw of {$120.00} from my debit card ( Wise by ADP ) everything seemed smooth until the ATM never dispensed the money requested. The money never came out of the machine but the transaction receipt did and it said that the transaction was successful and my current balance showed now it was {$0.00} XXXX notified the gas station clerk and she said I was the 2nd person with the same issue on the same day, she also mentioned that the ATM was refilled that day. She provided the number of the ATM customer service number located at the bottom of the machine. I contacted customer service until they told me to contact my cardholder financial institute and tell them to apply REGULATION E. I contacted my financial institution and reported REGULATION E as I was told to do so by the ATM Customer Service. My financial institution informed me that it takes from 45 to 90 days to resolve this issue and get the money back. Please understand that this was an cash advance from my paycheck for urgent medical purposes.
Product: Credit reporting or other personal consumer reports

I am requesting you again to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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 XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXXXXXX XXXX XXXX, orignal creditor is XXXX I requested an original copy of contract with my signature around 30 days ago. They have not provided me with the contract
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list account below has Violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccurate Hard Inquiry on My Credit Report Dear [ Credit Bureau ], I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from TransUnion dated [ XX/XX/XXXX ]. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.Please provide me with written confirmation that this inquiry has been removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 


Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I overpaid on my mortgage payoff in XX/XX/2021 by {$2800.00} and Mr. Cooper is not giving me back my money. It is now the end of XX/XX/2021. I have called them twice and each time they said they are sending me a check. No confirmation number or anything to track that they are doing something so I have no way of knowing whether they are telling the truth. What kind of recourse do I have to force them to give me back my money? Thank you.
Product: Credit reporting or other personal consumer reports

I had purchased an apple watch in XXXX and was given an Apple Credit card at that time which I never used. On XX/XX/XXXX Goldman Sachs ( Apple Credit Card ) notified the three major credit reporting companies that I had died and had not paid my bills. They immediately dropped my credit score by XXXX points. After several conversations with lower-level management and I had to provide documentation from Social Security that I am actually alive. They realized someone else had died with the same name as me. At that point they put my credit score back to the original score. They refused to expunge their error on my credit reports unless I open a new credit card with them. I told them this is illegal, and I was told I needed to speak to top management regarding this as top management makes major decisions. Twice they told me someone from top management would contact me, but nobody has. 

The case number is XXXX
Product: Mortgage

I bought a home in XXXX of XXXX. Because my bonus was paid a week after the closing date, I had to get PMI as I did not put down 20 %. Almost immediately, I requested from the mortgage originator the figure to pay the mortgage to the 80/20 split and have the PMI removed. After one month, my mortgage was sold to XXXX XXXX XXXX. I tried writing to them twice to the PMI removed. Nothing. I wrote a complaint to CFPB and they immediately sold the mortgage loan so as not to have to deal with CFPB. The mortgage was sold for the third time in XXXX of XXXX to SLS ( Specialized Loan Servicing ).  Beginning in XXXX of XXXX and through the present, I have written three letters requesting that PMI be removed, agreeing to pay the balance to bring the LTV to 80/20 and providing comps from a realtor providing updated values for my home. The value of the home has increased at least {$30000.00} due to a variety of factors. What have i received from SLS? The same form letter over and over again stating that I needed an appraisal that would cost between $ XXXX and refusing to answer how they calculate the value of my home or LTV. I have also called and received the same response. At this time, I am seeking the following : 1. ) removal of PMI immediately 2. ) reimbursement of the last six months of PMI while I was jerked around by SLS. 3. ) any fines or penalties applicable to the conduct of SLS such as Unfair Trade Practices or Consumer Fraud. I would also be happy to join in a class action or serve as a witness in a state or Federal inquiry/investigation of this Company
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number XXXX also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX sharing information with another 3rd party /non affiliatXXXX which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX  XXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX XXXX reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Product: Credit reporting or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXXXXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and Your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, Your company reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation that was placed on my PayPal account. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policy. 

I have been a loyal PayPal customer for several years and have always followed the terms and conditions outlined in the PayPal user agreement. Despite this, I was recently informed that my account has been permanently limited. I was not provided with any specific reason for this action and I believe that this was a mistake. 

I respectfully request that PayPal re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with any information regarding the reasons behind the limitation and the evidence that was used to make this decision. 

As a responsible PayPal user, I take my account security seriously and I can assure you that I have not engaged in any fraudulent activity or violated any PayPal policy. Therefore, I would like to appeal this decision and ask that you reconsider your decision to permanently limit my account. 

I look forward to hearing from you soon regarding the outcome of my case. For your reference, the email address associated with my PayPal account is XXXX. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had multiple successful attempts to access my checking accounts and withdraw funds by fraudsters. Every time I have to proactively manage and contact Citizens, they were slow to respond and resolve the issue. The accounts were placed XXXX negative balance because of this causing other legitimate payments to be returned due to insufficient funds and they took more than 10 business days to return the stolen funds from my accounts causing me to pay NSF fees and late fees to my other providers and also have utilities out into shutoff because of returned fees. 

I ended up switching banks due to their processes. They then took my negative balance which were as a result of their own fees and sent me to collection and put note on my credit report which caused me to be unable to open new accounts at other financial institutions until I paid citizens which i ended up doing. 

Horrible experience.
Product: Credit reporting

TransUnion is listing the following account on my credit report : XXXX XXXX XXXX : Account Number XXXX This derogatory account reporting negatively initially went delinquent XX/XX/XXXX. Since that time the account has been listed as derogatory. The account should have been removed XX/XX/XXXX. 
However TransUnion refuses to remove this account. I requested copies of the payment history from the creditor, however they refuse to gather this. I have requested copies of the payment history from the creditor as well, and they refuse to furnish them to me. 
After several disputes, TransUnion is stating again that they have verified this information, however they have not. No PAYMENT HISTORY is reporting at all on this account. NO PAYMENT HISTORY has been furnished by the creditor. TransUnion is simply taking the creditors word for it. As a consumer, this is another case where I am being bullied by this company as they quickly report this erroneous information, yet refuse to thoroughly verify the accuracy. I advised a supervisor in the special handling department that TransUnion did not even properly handle this dispute and the supervisor told me they did n't have any control over that.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, XXXX I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS SAME DAY. 
XXXX XXXX XXXX XXXX XXXX I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting.

If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been working on cleaning up my credit report the last 3-4 months in preparation for refinancing student loans and leasing another car in the next 12 months, however I've been unsuccessful in correcting an error on my TransUnion report. 

I leased a 2016 XXXX XXXX from XXXX XXXX of XXXX XXXX XXXX CT XXXX in XX/XX/2016 and also purchased a 2016 XXXX in XX/XX/2016 from them as well. 

What Ive found is that TransUnion has been counting those 2 transactions as 7 hard inquiries on my credit report ( see attached ). I understand that the credit reporting agencies should have only counted these 7 inquiries as 2 because they each occurred within 7 days of the lease/purchase transaction, but that didn't happen in the case of TransUnion. When I called them a couple of weeks ago they told me that regardless of the way they report it, it counts only as 2 inquiries as far as they are concerned for the purposes of their credit score. They refused to take any further action. 

I recently requested an increase on my limit on a credit card with XXXX XXXX and was turned down in part based on information in my TransUnion report. 

While I understand that all these inquiries may roll off the report after 2 years, I cant wait for TransUnion in the hopes that they do it on a timely basis, since they already have shown a pattern of persistently reporting inaccurate information. 

I have attached a report with the corresponding information.
Product: Debt collection

I have asked Account Information Management Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.