23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had XXXX use for. My XXXX email account was breached and hacked in 2016 as well as Equifax. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.
Product: Debt collection

A letter requesting validation of the debt that this company claims is owed to them was mailed to them certified mail on XX/XX/XXXX and received by them on XX/XX/XXXX. The letter specifically requested that the company VALIDATE the alleged debt by sending proof that the debt belonged to me as I have NO knowledge of this debt. The letter requested that Optimum Outcomes send a copy of all statements from the original creditor, as well as any signed agreement between myself and the creditor which would show proof that the debt is owed. Optimum Outcomes simply sent a letter in response that in NO way validates that this debt belongs to me. I have attached both the letter that was sent to them as well as their response. Since this debt has NOT been validated as requested, I want this removed from my credit report immediately. If this debt is not removed I will move forward with contact my attorney about the lack of proof that the debt belongs to me as well as the fact that the company continued to contact me by phone leaving voicemails AFTER the validation letter was received which requested all communication be done in writing which is also a violation of the FDCPA.
Product: Checking or savings account

I am XXXX  and I opened my account in the bank of america in XX/XX/XXXX, I left my account practically without movement until the day XX/XX/XXXX when I made sale of assets for two different American people and I received in my account my sale, following the procedures transfer of the bank ( via XXXX ) secure payment system with which the receipt is made by the depositor and the receipt by email your confirmation of deposit to be released to the creditor, in this case I received within the existing banking system and confirmed in account, on XX/XX/XXXX I received the misfortune of my account being blocked, I called several times and with no one to solve my situation and only say that it is analize about ( fraud ), after spending a few more days with different information and disagreed on XX/XX/XXXX say that my account was going to be closed, I requested my money with which the value I have taken into account XXXX dollars and I was informed that they do not have XXXX money!!! how can a bank that we open account to take care of our patrimony and comes to his client withdrawing his funds his access to what is his right and retains his funds!!! I have never had a problem at this level in my country or any other bank I have spent, I need my money I am a good citizen, I am being robbed, feeling disquieted and humiliated by this institution, I request that you intervene in this company to receive my funds. If you have a problem in my receipts this problem is in the bank system I can not be penalized for a failure ( if there was ) that I'm sure did not have, but if there was this problem is the bank and not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reliable credit ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX  and XXXX on XX/XX/XXXX. This account has resulted in a fraudulent account and hard inquiries appearing on my consumer FICO credit report. I've attached documents with the account and hard inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquiries on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a first financial account not reporting correctly at all- XXXX XXXX shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account consumer collection management that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example,  shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is currently reporting to the 3 credit bureaus that I applied with your organization. I did not grant you authorization to review my credit report
Product: Credit card or prepaid card

I closed my Capital One credit card account in XX/XX/XXXX At that time, myXX/XX/XXXX payment was already scheduled. At the time of my account being closed, my account was on Autopay.  After my account was closed a month, the autopay was no longer in effect. I believe that Capital One cancelled it when my account was closed. No payment was drafted in XXXX or XXXX. Because of this many large late fees piled up on the account, starting in XXXX, XXXX and XXXX, causing my amount due to balloon. Capital One called me in late XX/XX/XXXXto discuss my overdue account, which was the first hint that I had this account was overdue. I signed back up for autopay in XX/XX/XXXX
Product: Mortgage

On or about XX/XX/XXXX I contacted Rushmore Servicing ( Nationstar Mortgage LLC ) about my monthly payment that went up over {$790.00} per month. Since that date, I have written 6 times and Rushmore Servicing is still stating that they have the right to raise my monthly payment. The XX/XX/XXXX agreement set the maximum interest rate and the remaining amortization term. The agreement states that the current amortization term of 309 months would change to 429 months. The second page of the agreement clearly states " The maturity date will stay the same XX/XX/XXXX. All monthly payments will be based on an amortization term of 429 months following the date of this agreement ''. A signed copy will be under attachments. 
From XX/XX/XXXX to XX/XX/XXXX the guidelines were followed, and once a year I would receive a statement showing the principal balance and the amortization term. On XX/XX/XXXX Rushmore Loan Management Services sent me a sheet showing principal balance of {$330000.00} Amortization Term 300 payments. 
XX/XX/XXXX Rushmore Servicing ( Nationstar Mortgage LLC ) stated that the principal balance {$330000.00} Amortization Term 168 payments. They took 120 months of amortization off the agreement and RAISED THE PRINCIPAL MONTHLY PAYMENT FROM {$750.00} TO {$1500.00}. They refuse to acknowledge the prior agreement and only state that they are permitted to raise the monthly payment.

Six times I have tried to resolve this, but to no avail. They are charging late charges and possibly destroying my credit.

Research shows that CFPB took Nationstar to court, see Case No. XXXX Number XXXX of their charges is exactly what they are trying to do to me. 
( XXXX ) improperly increased borrowers permanent, modified monthly loan payments ; I am XXXX XXXX XXXX and they are trying to force me into a foreclosure.
Product: Money transfer, virtual currency, or money service

XX/XX/year> World Remitly transactions XXXX were all made on the same day by the scammer.. Remittances on the amounts of {$870.00}, {$1700.00}, $ XXXX wire transfers made using my debit card with XXXXXXXX XXXX 
I discovered the incident about an hour after the transaction was made by the scammer when I was trying to pay my bills and the utility companies declined my payment using my debit card. I reported the scam right away to XXXX and they said they will investigate. I have the claim number when I reported the fraudulent activity. I also reported to World remit. No refund has been given until now XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They did not do this. 

In accordance with the Fair Credit Reporting everything must be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated, but how is that so when the bureaus nor the collection agency provided me with the necessary information I requested proofing to me that I owe the alleged debt. 

They have violated the law according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2. States that a consumer reporting agency can not furnish an account without my written instructions I have not given my written or verbal instructions.
Product: Debt collection

This company that identifies itself as XXXX I is continuously calling me at an opportunity times as I work from my cell phone. The company is also making harassing calls to others on my behalf. 

If this company believes that it has a valid debt that belongs to me, it may contact me solely at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Any other method of communication will be deemed harassing and/or a violation of my privacy.
Product: Credit card

I have a prepaid XXXX with Revolut issued by XXXX XXXX  with a balance of {$9700.00}. I was notified in XX/XX/XXXX that Revolut was ending its relationship with XXXX XXXX  and I needed to accept the Terms and Conditions from the new bank to continue my account with Revolut. I did not agree to the new terms and conditions because they contained some exorbitant fees like 5 % for a transfer. I tried to get my money back into my regular checking account but could not figure out how to do it.

There is NO way to speak with a live person at Revolut. They have an automated phone line and in-app chat feature that I suspect is handled by AI or bots. Since I couldn't transfer my money back to myself, the only option was to wait for Revolut to close my account and refund me by check. 

My account was closed on XX/XX/XXXX and I chatted several times in the weeks that followed to find out the status of my refund. I was told it was mailed at the end of XXXX, and again in early XXXX, but the check never arrived. I was told to wait until XX/XX/XXXX to reach back out if I still had not received my check, which I have done. I have also initiated a complaint with Revolut through their website but they said it would take up to 15 business days to respond. I've already been waiting for over 6 weeks to get my money back and I am beyond frustrated with my severely restricted options to communicate with Revolut.

At this time, the in-app chat feature has been disabled for my account and I can't reach anyone at Revolut except by email or US mail . They take many days to respond to the emails and again, it feels like the responses are not from humans. 

I want my money refunded either directly to my account via ACH transfer or wire, or for them to reissue my refund check, plus interest for the XXXX weeks I've been waiting, and sent via XXXX or other more secure route than US mail. 

I also filed a complaint with the NY Attorney General today.
Product: Payday loan

I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived at these addresses. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX I PAID MY XXXX XXXX XXXX FOR THE PASS 15 YEARS I HAVE NOT BEEN LATE NOT ONE TIME THAY TURNER OFF MY CARD THEN THAY SAID THAT I DID NOT PAY THEM PLEASE TAKE THIS OFF MY CREDIT I AM HOMELESS I LIVED IN MY CAR MY CREDIT IS SO BAD NONE OF MY BILLS ARE DO NONE ARE LATE SO WHY MY CREDIT SCORE IS XXXX WHY I CAN NOT RENT A HOUSE ARE A APARTMENT WHY MAKE ALL MY PAYMENTS ON TIME SO WHY AND XXXX XXXX XXXX TAKE THIS OFF MY CREDIT BEEN XXXX OVER XXXX PLEASE NOW!!!!!!!!!!
Product: Mortgage

Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


XXXX report XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} chargeoff XXXX report XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$550.00} chargeoff XXXXXXXX XXXX  XXXX XX/XX/XXXX {$370.00} Transunion report XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} chargeoff XXXX  XXXX XX/XX/XXXX {$550.00} chargeoff XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales And XXXX XX/XX/XXXX XXXX
Product: Student loan

On XX/XX/2022, I initiated contact to PHEAA to pay a past due bill. The representative on the phone continued to ask me repetitive questions that their automated system already asked me. The representative continued to prolong the conversation claiming that they have to ask these questions over and over again but failed to explain why they are forced to continually delay processing because of the questions to be asked repetitively. 

The representative continued to become evasive with my line of questioning and came across as sarcastic throughout the entire phone conversation. The representative then threatened to report the account to an outside agency or the Credit Bureaus if I didn't pay the late fees which I informed the representative that PHEAA would need to send me where the late fees are going and an explanation as to why and where they came to the amounts that were added. 

The representative seemed lazy throughout the entire process claiming that she was going to get the information, would put me on hold for 5 minutes or so, then come back and claim she couldn't find any information. 

Again, PHEAA should not be making light of the fact that they believe their representatives are not doing anything wrong. This scenario is a pure example of somebody who is really not qualified to be dealing with the public. This is exactly why I've given a law firm a copy of the Letter from PHEAA 's lawyers and various responses to these CFPB complaints. Interestingly, it appears PHEAA has been sued in the past for Unfair Credit Reporting practices and ultimately settled because the courts realized what corruption was taking place.