23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX TransUnion The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Mortgage

XX/XX/XXXX Good evening, First of all, I took out a Home Equity Loan around XXXX of XXXX with XXXX XXXX XXXX XXXX. Another Servicer took over the loan by the name of Nationstar/ Mr. Cooper . I wasn't notified from XXXX or Nationstar/Mr. Cooper about them taking over my Home Equity Loan. From what I gathered about Nationstar/ Mr. Cooper , they didn't even exist until XXXX. I fell behind with my payments due to the death of my Husband. Shortly after the passing of my husband, my daughter had to have XXXX  XXXX on both of her XXXX. I couldn't work because, I had to care for my daughter after her XXXX and then, my daughter was diagnosed with an XXXX XXXX, which is a lifetime condition. This XXXX XXXX causes a lot of Therapy, hospitalization, Psychological Therapy Treatments and other Treatments. I couldn't work due to having to care and transport my daughter to and from her doctor 's appointments. I've tried working with Nationstar/ Mr. Cooper concerning, my Loan, of course they gave me a hard time. I had to file bankruptcy to protect me from loosing my home. I fill like, I've been defrauded since, they took over the loan. XXXX of XXXX, I was hospitalized with XXXX. Before I was hospitalized, I had a realtor representative who, was working for me on a short sale with Mr. Cooper, the first buyer backed out. My realtor had to search for another buyer. My realtor found another buyer to purchase my house. I had to be hospitalized again in XXXX of XXXX for a XXXX XXXX. My realtor was communicating with a representative with Mr. Cooper while I was trying to recover from my XXXX in the hospital. Suddenly, the communication between my realtor and Mr. Cooper just completely stopped. My realtor informed me that, the representative who she was communicating with about the short sale, wouldn't talk to her any more about the short sale. I tried reaching out to Mr. Cooper to let them know that I was in the hospital. They didn't seem to care. Mr. Cooper told me that, I couldn't get another short sale. The amount that they stated I needed to pay is, more than what my house is worth. They, tried to foreclose on my house on XX/XX/XXXX. I had to file bankruptcy in order to save my Home. Since, the bankruptcy got dismissed, now Mr. Cooper is trying to foreclose on my home on XX/XX/XXXX. I feel that, I haven't been treated fairly. I was only allowed one loan modification, when actually I should have been allowed two additional loan modifications. Please investigate this matter for me. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, XXXX, and EQUIFAX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
Product: Debt collection

Effective XXXX/XXXX/2015 a XXXX CBE Group has been calling my XXXX work telephone nonstop around the clock. I did a little checking on the internet and it appears as though this is some type of SCAM to get someone to pay someone else 's bill. I have cable and do not have XXXX.
Product: Credit card or prepaid card

Been almost 3 years complaining with no help about the fraud that took place. The Cfpb is not helping my case as to the fact almost XXXX was stolen from me by the bank allowing it to be data breached or stole out the mail this is a newer crime that is very high in my state and area, they are completely ignoring my case its been 6 attempts to get the provisional credit like stated in the lawsuit and in the laws to protect in general. I have been belittled by the bank first stating for the first claim I never was sent to escalation team 2-3 years of finding out I was approved, because remind you it to as frozen at first until I verified me, XXXX went and verified me again to I guess boa that I was unaware gives the card out, they sent me to do another escalation claim when I wrote the Cfpb and stated I need to place it, well its XXXX and almost a year into seeking help I still get the ( BOA HAS REQUESTED MORE TIME ) this is unlawful and I want to sue for the bank committing fraud at this time to me by stating lie to me in the mail about th e claim being less rehab 90 days old and resting more time this is my 5 claim and if there was a real investigation there would be no more time needed, please I have tried to plea my case but also Im asking for the Cfpb to send the info to the commission my next step is to contact the news downtown and place a court summons to the bank for the delay of processing my claim lies they stated in 4 packet they have finished this investigation which I know is a lie due to me being honest as welll as them asking for more time please force the provisional credit until the case is over the right way this is a joke to me and anyone thinking they are actually carrying about your money, if th Cfpb cant do it the news or court will.
Product: Student loan

Tried to pay my loan and the servicer, Nelnet, is not allowing me to do so. By not allowing me to pay my loan- Nelnet is allowing my loan to accrue unjust interest.
Product: Credit reporting or other personal consumer reports

am writing to dispute the following unauthorized hard inquiries that appear on my Equifax credit report. I am a victim of identity theft, and none of these inquiries were authorized by me. I am requesting that these fraudulent inquiries be immediately removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the removal of any information related to identity theft. 

The unauthorized inquiries are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without my authorization, and I request that Equifax immediately investigate and remove them from my credit report. These fraudulent inquiries are negatively impacting my credit and I trust that they will be removed as required by law.
Product: Debt collection

XX/XX/2017 XXXX PST Approx Received a phone call from Weinman Acquisition Group - XXXX Threatened to serve me papers for a failure to appear in court - advised the lady she was in violation of the Fair Credit Reporting Act and that I would be submitting a claim against her and the company she is representing. She stated that she was not in any sort of violation of the lam and that I would be served with papers to appear in court for a lawsuit. Immediately after the phone call - I received notice that my mother had received a call from the same lady ( *the mentioned phone number is a direct line ) stating that she was just told that I was going to be served papers if I did not return a call and that I would be sued for a failure to appear in court.
Product: Credit card

Fraud charge on credit card {$440.00} at XXXX. my card # stolen online. I didn't lose card. Called Citibank and filed fraud dispute. Fraud on same date for 2 charges, one for XXXX XXXX XXXX, and one XXXX XXXXXXXX was credited, XXXX being further investigated. Citibank said they mailed letter to me asking for more info and attesting to this fraud with a return to them deadline date. Since XXXX never XXXX  such letter, they reversed {$440.00}. XXXX  and made me responsible for the amt. I have called security, citbank general phone, emailed, written letters, and no one responds. 
I paid the dispute because I didnt want to be charged finance charges. Everyone I have spoken to in Security asks me the same questions, and say they are still investigating and my claim will be worked on immediately, since it has been ongoing for 6 months.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, which I believe is a direct result of Experians failure to conduct a reasonable reinvestigation and ensure maximum possible accuracy, as outlined in the recent CFPB lawsuit ( Case No. XXXX ). My experience aligns with the allegations against Experian, including failure to properly handle disputes, misrepresentation of dispute outcomes, and over-reliance on furnishers responses despite clear evidence to the contrary. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of these disputed items, forward all relevant information to the furnishers, and ensure that the inaccuracies are corrected or removed. Additionally, I request that Experian provide a clear and accurate dispute resolution notice that explicitly states the outcome of the reinvestigation. 

Failure to address this matter in compliance with federal law will leave me no choice but to escalate this dispute by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action. 

Please confirm receipt of this dispute and provide a written response within 30 days, as required by law. I expect these inaccuracies to be corrected immediately to prevent further harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

I disputed several inaccurate accounts on your credit report with TransUnion, citing violations of the Fair Credit Reporting Act ( FCRA ). Instead of correcting the errors, TransUnion verified the accounts without addressing the inaccuracies. This failure to ensure 100 % accuracy violates 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ).
Product: Credit reporting or other personal consumer reports

Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent XXXX XXXX XXXXXXXX and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else
Product: Credit card or prepaid card

I had been searching online for an engagement ring for months, and found a reputable company that had stellar reviews and seemed like the best option. So now that I made that decision, on which company to go to for an engagement ring ; now to choose the ring. 

I put together the setting, the diamond and then other options associated with the ring and it came to a total of about {$9800.00}. I obviously didn't want to let my soon to be fiance to see the purchase and so I wanted to put it on my credit card that had a limit of {$10000.00}. I had more than double that amount in my joint savings account ( that was with the same bank ) and about half of that in an account at another bank.. 

The transaction ( not surprisingly ) was blocked by fraud, so I contacted them to allow the transaction and get the process going for my ring. 

I got the run around, I spoke to about XXXX different " fraud specialists '' in XXXX different " fraud '' departments at US Bank. All telling me that I needed to speak with this OTHER department. Turns out, from one fraud specialist, that US Bank doesn't like people buying jewelry on their credit cards. So they closed my account, no questions, nothing. They just closed my account, I have worked for years at rebuilding my credit, and this was not a new account, and now they closed my account. AND I had over {$200.00} in cash back that I didn't cash out yet, that now they're keeping. 

And now they say that they can't reopen my account, that I would have to reapply. This is ridiculous, I understand that a bank can close an account at their own will, but there has to be some sort of protection on this. All because I tried to buy a piece of jewelry, and that is not in any of their customer agreements, not to mention that I had more than double that in a savings account at the same bank. This is going to hurt my credit, this was my largest credit card.
Product: Credit card or prepaid card

My Congressman/XXXX XXXX PA District XXXX, suggested that I write to this Agency. 
Hello, I have been a Bank Of America Credit Card Customer since XXXX. I have always paid my bill on time. Due to my Excellent Payment History, they ( BofA ) have periodically raised my Credit Limit steadily over the past 15 years. I have been a model customer. This VISA Credit Card was used primarily for Travel Expenses. 
In XXXX I paid off the remaining Balance and stopped using this Credit Card. The Pandemic eliminated my ability to Travel frequently, therefore the Account had a XXXX Account Balance. Again in GOOD STANDING and PAID OFF. 
Fast Forward to today, XXXX. I received an Email from Bank Of America stating that they have decided to CLOSE my ACCOUNT. No reason stated just closed the Account. I immediately reached out to Bank Of America Customer Service at XXXX XXXX XXXX XXXX XXXX and told the entire story to a young man. That Agent mid-call transferred me to someone else in the same department. That nice lady transferred me to her Supervisor XXXX who then transferred me to her Manager XXXX ( not sure if I spelled correctly ). None of these Agents could tell me why my account was closed after 15 years. XXXX was supposedly transferring me to LEGAL AFFAIRS ( at my request ) ; when instead I ended up with XXXX a very nice Credit Card Applications Rep in the Rhode Island Call Center. XXXX was delightful but could not answer my questions with any certainty. He did offer that my Lack of Credit Card usage ( during the Pandemic ) could be an indication as to why BofA Closed my account. XXXX should get a promotion because he is the only one at BofA that has a Clue. XXXX advised that I wait for a LETTER from the BofA Legal Department ( forthcoming ) that will explain their decision and the Appeals Process. 
My main concern is the effect this unprompted Account Closure will have on my Credit Score. I have spent the better part of 20 years repairing and building my Excellent Credit Rating. This Closure will undo all of my hard work.

Thank You!
Product: Student loan

I have a large amount of student loan debt, $ XXXX+. I have always been on an income driven repayment plan ( IDR ), specifically the income based repayment plan ( IBR ). I recently inquired of my loan servicer Mohela about lowering my interest rate or what other options I had available to me, and this was on or about XX/XX/2018. The representative told me about REPAYE, a revised pay as you earn plan that provides interest incentives. The deal was the following, changing plans would require any outstanding interest I had to capitalize, and the interest that my monthly payment did not cover ( because these plans assist people whose monthly payments do not cover the full interest that accrues per month ) would be paid by the government at 100 % for the first 3 consecutive years for my subsidized loans, and at 50 % for my unsubsidized loans. While I wasn't thrilled about capitalizing the outstanding interest, which was rather substantial at $ XXXX, the interest incentives were great, especially the deal on the subsidized loans. I applied for REPAYE a few days later. I was approved around XX/XX/2018. I made another call to Mohela shortly after that to inquire how much of the interest will be paid by the government. The representative provided me a detailed explanation, including the 100 % covered subsidized loan interest. Following my first payment made on REPAYE ( XX/XX/2018 ), I called Mohela on XX/XX/2018 to check when I would see the government payment/credit for the interest paid. I was unable to get any answers, so I sent a secured message on my Mohela account to ask the same question. It was only then that I was told that the 3 year 100 % government paid interest incentive on subsidized loans is a ONE TIME deal covered under any IDR plan. And because I was on IBR for more than 3 years, I already used up that 3 year incentive. What?? No one explained this. More importantly, the REPAYE application specifically says the 3 year incentive of 100 % government paid interest applies to the first 3 consecutive years on the plan. NO where on the application does it say that this incentive is a one time deal. I have been misled and as a result, I am now accruing interest at a higher amount due to my principal balance increasing ( as a result of capitalizing the unpaid interest ). Mohela refuses to do anything. On XX/XX/2018, I called Mohela regarding their mistake.I was told the Department of Education is the only place to help me. I have submitted a complaint to the Office of Inspector General. Mohela acknowledges their representative gave me incorrect information on XX/XX/2018. Mohela misunderstood my concern and stated that I was told and acknowledged that my unpaid interest would capitalize. I never misunderstood this. I always understood that the interest would capitalize once I changed payment plans. I was told a lie when their representative said I would get the 3 year interest incentive. Mohela 's solution? To give their employees better training. This is unacceptable. I changed payment plans to help with overwhelming interest amounts. Now I'm paying more in interest because of their mistake.
Product: Student loan

The student loans were past due from XX/XX/XXXX due to financial hardship. On XX/XX/XXXX Citizens did an offset from our bank accounts ( myself and my son ) and debited the money, to pay the loans from XX/XX/XXXX to the month of XX/XX/XXXX. In error, they debited the XXXX payment on XX/XX/XXXX, which wasn't due until XX/XX/XXXX. I put in a complaint and they credited my account on XX/XX/XXXX for the XXXX payment. 

AS OF TODAY, XX/XX/XXXX the payments that were debited have " not '' been properly credited to the accounts, on Citizens and Firstmarks operating systems. Previously, I have spoken with numerous agents and XXXX Supervisors and XXXX and they are still showing the accounts as 136 days past due {$480.00} pymt {$15.00} late charges/ {$930.00} past due pymt {$28.00} late charges and {$830.00} pymt past due late charges XXXX. When in fact, the account was paid current on XX/XX/XXXX. No one at Citizens Bank knew who how to correct this error or could explain why the payments haven't been posted. 

Today, I was transferred to numerous departments and requested to speak to a Supervisor, however I was not transferred to a Supervisor. In addition, Citizens has reported that these accounts were negative and they show as a major derogatory event, as past due 120 days to the Credit Bureaus on XX/XX/XXXX, which affects my credit score. When in fact the account was paid current on XX/XX/XXXX. 

On XX/XX/XXXX I also requested a detailed account payment history for all of my loans from inception to current and was told I should get them via email and NEVER received anything.
Product: Credit reporting or other personal consumer reports

I have disputed multiple collections on my credit report through experian. I have over 4 disputes for the same property, XXXX XXXX  XXXX for {$380.00}. They stated I must pay XXXX to remove it. I have one for {$430.00} for the pencial factory after an apartment was leased and taken back within 24 hours. I also have one for XXXX for XXXX XXXX  XXXX after being charged after I stated I no longer wanted to continue the application and to cancel it within 24 hours of me applying. The fine print in their lease stated I would not be charged, but I was, anyway. I also have emails.
Product: Mortgage

SPS owns our loan. Since they purchased the adjustable mortgage loan they have decided to not a lot the money Ive noted for principal. This has happened in XXXX and XXXX. In XXXX, I sent a separate check notated for principal only for XXXX and a check for XXXX $ for the normal monthly payment. They yet again decided to split the XXXX check into 2 allotments. They notated XXXX of that for the next 2 payments instead of having it go towards principal. I called them and again asked for this to be reversed. When they owned this same loan a few years ago we went through the same issues. I have worked with a lot of loan companies and this is the only one that can not seam to put the principal payments towards principal.