23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called Freedom Mortgage because of all the recent storms in my area I asked were there any relief. I were told that my mortgage will have a date to be either paid or have arrangements before XX/XX/year>. I received multiple letters where they were needing to pay over {$4000.00} and last letter that were dated on the same day XX/XX/year> that I would have to pay {$5500.00}. I called the company multiple times and were told that letters are being sent later when it were XX/XX/year> and just receiving letters from XX/XX/year>. I were informed that I needed to disregard letters and nothing to worry. I received a phone call from a family friend that my house were going into foreclosure and what were happening. I explained to her that I were in a program that the company were going to help me caught up on my payments. After my conversation with her I asked my father for the last latter amount that I were sent to catch up my payments. After making the payment in full XX/XX/year> and my family friend told me to call to get a verification of mortgage letter to show that my payments were caught up and account is back current. I have called the company multiple times and they were trying to get me to sign documents with a notary still even after my payments are paid. I called the company twice after keep receiving calls from these notary about signing papers and were told my credit that the loss mitigation were off my account and account is back to normal. Pull my credit report and they still have not removed that my account is current. I have called company. I looks to me that this company were taking advantage of their customers because sending documents weeks later than marked on the document. going up on the payments that needed to be made to get account paid after being notified that I will make the {$4000.00} payment first told. Thank God I were able to have it caught up think about some people they may have did the same too. This is so wrong doing customers in need this way and they take advantage of the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/1976 SSN : XXXX Dear Sir or Madam CC : CFPB Please be advised that inquiries appear on my credit file due to identity theft. I have filed an FTC Identity Theft report which is attached : the items Violate U.S.C-1682 ( c ) ( 2 ) and must be blocked removed within 4 business days.

The following inquiries violate 1681c2 and do not appear as result of any authorized transaction involving myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I paid my XXXX credit card bill on XX/XX/2021, via my online banking account with Bank XXXX XXXX. It was {$140.00}. JCrew claims they never received payment. I sent to JCrew proof of payment from XXXX  XXXX XXXX showing that the funds from my checking account were electronically transferred to JCrew on XX/XX/2021. They have that document. Despite that proof, XXXX continues to claim the bill was unpaid. I now have a bill in excess of {$810.00}. Anything above the {$140.00} represents interest and fines. 

My credit score is being damaged. And I am accruing more and more debt. XXXX refuses to acknowledge payment but offered to settle the matter today for {$490.00} which is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, my XXXX XXXX XXXX XXXX has not been showing up on my Equifax Credit Report it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly 39 points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the XXXX XXXX on the Equifax report ; it 's on the XXXX and XXXX.
Product: Bank account or service

I am putting in this complaint on behalf of my nephew, XXXX XXXX. The complaint is against First Bank. He was XXXX years old and a XXXX when he opened the account in 2014. I went with him to the bank and made sure that he had opted out of the Bank paying for anything if he had no funds in his account. He had borrowed some money from another financial institution and they were withdrawing monthly payments out of his account. He lost his job and his account dwindled to XXXX. It was our understanding that he was ok as far as the bank was concerned since we had told them not to pay for anything if there was no money in the account. However, the bank has built up an amount of almost {$250.00} that they say were charges for refusing transactions to the financial institution that XXXX owed some money to. This is fraud of the highest order. We were never informed that the bank would charge for refusing transactions also. We went in to the bank a couple of times and were told that we needed to come back with {$250.00} in hand. We were also given illogical explanations for why it was alright for the bank to charge XXXX for refused transactions. This was very disrespectful. 
We request that all charges be dropped immediately and the bank apologize for making this entire situation so stressful and disrespectful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against Experian for Violating FCRA ProvisionsDear CFPB, I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, Experian has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet Experian has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against Experian for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against Experian and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with Experian as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

About 5 years ago I was contacted by a collection agency about a utility bill from XXXX XXXX XXXX for {$4100.00} for an apartment in XXXX XXXX nj. My involvement in that location was I co signed a lease for my son. I have provided a paid in full of my son from XXXX XXXX XXXX 

This collection activity has been transferred to Transworld Services Inc after 3 years or more of silence from anyone. Without contact from TSI my credit report reflected a major reduction in XX/XX/XXXX. Reflecting the above noted debt. 

I responded to TSI with my sons release from XXXX years from XXXX XXXX XXXX 

XXXX I never requested service XXXX I never received a bill during the supposed service period. 
XXXX I never lived at this location just co signed my sons lease for which he and the agency have copy of the release from XXXX XXXX XXXX
Product: Debt collection

For months now, Navient has been calling this number looking for XXXX XXXX. I am XXXX XXXX. I do not do business with Navient nor have I ever done any business with Navient. I dont have any loans with Navient nor have I ever had any loans with Navient. I have asked them repeatedly to stop calling this number as they are waking me during my sleep time. I work in law enforcement and I know that their continued harassment of a third party ( which would be myself ) is illegal. Tonight, I called their number back to ask them yet again to stop calling me since I do not do business with them and they was told by the woman that took my call that the calls would continue and that she was forwarding my info on to the account manager and that they could deal with me. She also told me she was discontinuing the call when I told her I would record the call for legal purposes. Theres nothing to deal with, I DO NOT DO BUSINESS WITH NAVIENT.
Product: Checking or savings account

There are multiple transactions charged on my checking account which were not authorized by me from XXXX merchant as follows : XX/XX/2024 {$1800.00} XX/XX/2024 {$2900.00} XX/XX/2024 {$2900.00} XX/XX/2024 {$240.00} XX/XX/2024 {$3000.00} XX/XX/2024 {$3900.00} The total amount of {$14000.00} have been charged from checking account without my authorization. As soon i realized i did contacted my bank about the issue and merchant, merchant was not helpful then i contacted my wells fargo bank about the issue and filed fraud claim on XX/XX/2024 and the claim reference number is : XXXX. My bank informed me that they will resolve the issue with in XXXX business days and so far they never updated me any status. when i called my bank today about it, they mentioned the claim has been denied and it's final decision. My bank didn't even reach me for any further information or updates. I didn't receive any kind of fraud alert about above transactions and I requested them reopen my claim but they denied. 

Here is my checking account info : Wells Fargo Routing XXXX XXXX XXXX : XXXX. 

Please help me to get back my money ASAP. I am hoping my issue will resolve here.
Product: Credit reporting or other personal consumer reports

I am filing a complaint as well as requesting the removal of the unverified account XXXX XXXX XXXX XXXX that has adversely affected my creditworthiness and overall well-being. XXXX, Experian XXXX all XXXX bureaus violated my rights under FCRA Sections XXXX ( a ), XXXX, XXXX ( a ) Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history.
Product: Money transfers

I submitted my first Credit Card payment to XXXX saving Bank thru my Bill Pay with Chase Bank. XXXX bank told me that because I address the check to XXXX Credit Card instead of XXXX banking they would refuse the check and return it ... They did not return the check but they did cash it and did not credit my Credit Card account ... I Submitted Documentation and after multiple calls they said they sent back the funds to my Bill pay. That was a Lie! They have not sent the Funds ... I believe they have committed a chrime. Please check them out! Thank You, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked on consumer affairs to browse loan rates only. In format form they asked my state where I live, my address and birthdate. After I gave that information without my consent apparently they gave that information to several loan companies who than sent to my email whether or not they would loan me money. Which to me means that consumer affairs sent them personal information of mine that I did not consent to. I never gave them my social security number nor consented to a soft credit check. All it said was check loan rates without a credit check. I want my personal information removed from consumer affairs as well as Prosper loan. I have no idea how to do that. I did send an email to consumer affairs to remove that info but I assume the damage has already been done to my credit score.
Product: Student loan

I have a private loan through one of my first colleges and it was previously XXXX XXXX and when I became currently XXXX this was the only company that all the sudden went from XXXX XXXX to this company which is a collector or whatever I 've been making payments for the last five almost 6 years and my balance has not gone down at all and when I called them they said well if you want to pay the full balance you can do that I explained again that I 'm XXXX XXXX and on a fixed income All of my other loans XXXX signed offer my doctor due to low income and the stress of dealing with all of it because it causes me XXXX when I get stressed out or end up in the hospital and I 've called them before saying why is my bounds going down my been paying consistently for the last 5-6 years and they said because your interest-rate and it 's never going to go down you 're just gon na keep paying until u are willing to pay more. They do n't care I ca n't afford it they are making a lot of month off me over the years this should have been paid long time ago but wo n't work with me on interest rates or anything plus this small amount could have been gone had they not sold to this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX/DNB has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since submitting notice of TRANSUNIONS Gramm-Leach-Bliley Act ( GLBA ) violations against my consumer report, totaling more than XXXX errors, TRANSUNION has denied me access to my report for daily, weekly and monthly monitoring and is continuing to violate my consumer report, I have reported this crime to CFPB on multiple occasions, however my access to my consumer report is continuing to be denied and TRANSUNION is continuing to XXXX and XXXX their management of my profile and are forcing a XXXX day response time per the last notice received.
Product: Credit reporting or other personal consumer reports

I sent a FTC letter into Equifax twice and they didn't remove the unauthorized inquiries from my credit report and a derogatory that is listed on my credit report that has been on my report since 2022 and I have also sent in a police report about the unauthorized inquiries because I didn't authorize anyone to run my credit for these companies the inquiries are from at all.
Product: Student loan

In XX/XX/XXXX, I contacted my HR Dept due to I noticed that my paycheck was being garnished. I assumed it was for back taxes but later found out it was for a student loan. The garnishment came from a collection agency Coast Professional Inc.through the US Dept of Ed. The garnishment started XX/XX/XXXX. I called Coast Professional, and talk to XXXX who said that it was strange that there was no information on the file about the school and that it shows my name listed as XXXX XXXX. She suggested that I send proof of the last school that I attended and any addresses to support that this was not my account because I told her that it was fraud. I received a letter from Coast Professional XX/XX/XXXX stating that a student loan was in default and I had 30 days to dispute the validity of the debt.There was no information of the school or time frame as to which I allegedly attended this school under the name of XXXX XXXX. I have not attended any school since XXXX. I searched and contacted the last school that I attended, the State of Illinois Board of Ed sent me what they had, since the school close due to losing it accreditation. The last name XXXX is my ex married name, I have never attended any school using the name XXXX XXXX or any formation of such name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was looking over my credit report. when I came across an unauthorized inquiry from a company by the name of CIC Credit. this company did not have my permission to run my credit at all I have asked them on multiple occasions to delete their inquiry. however, they have not they have failed to produce any physical evidence of any authorization MADE BY ME such as an Identification card, Social Security Card, or PassPort.the only info they have sent me is some info about their service.
Product: Debt collection

My identity was stolen in XXXXAn apartment was rented in my name in Wyoming. I. Q. Data International has filed a report on my credit.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. - XXXX XXXXXXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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
Product: Credit reporting

I have submitted more than once the letters from XXXX stating they do not have a file under my name or social security number but Equifax is now saying, after telling me to send them the letters from XXXX, that XXXX will have to call or send them a letter themselves in order to remove the items from my report. I have sent these letters to Equifax a number of times and still not getting any help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they  just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over XXXX XXXX dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection  but have been with XXXX  for 5yrs! I have a first XXXX XXXX XXXX collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Product: Credit card

My Discover Card Account - which was a VERY NICE ACCOUNT FOR MORE THAN 20 YEARS - SINCE XXXX - is now broken! 


And Discover Financial Services has been refusing to fix it! 

Very strange!
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. I do not believe these accounts were ever paid late. 
I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 usc 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a a account without my written instructions.

15 U, S. Code 1681a - Definitions ; rules of construction
Product: Credit reporting or other personal consumer reports

I am filing a complaint against all three bureaus Equifax, XXXX XXXX and XXXX for not performing an accurate assessment and timely investigation of my complaint. For inaccurate information being placed on my credit report without concern of performing an accurate evaluation of the customer complaint of negligence reporting on my credit reports. Causing me great danger in losing several job opportunities, cars and houses opportunity. For myself and my family to enjoy.

CFPB has sued these credit bureau for not providing accurate information on investigations of complaints.
Product: Credit card

i agreed to a purchase an appliance from jc penny on a promotional offer no interest no fees with autopay they put it in as minimum payment and charged almost double the original purchase price .help
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting crdito on my credit report that dont belong to me : XXXX information is on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The information showing below is falsely reporting on my credit.

1 ) XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX  Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # XXXX
Product: Credit card or prepaid card

Several months ago I realized I could not edit alert settings for my Capital One credit cards online. I called the company and the representative had me try different things such as clearing cookies. He finally said they would look in to it and get back to me. I changed my password that day just in case. As of today 's date, XX/XX/2019 I have not heard back from them. Today I again tried to access the alert settings and received a pop up that I got a screen shot of and will attach. I changed my password again today. I need to know why I can not access that part of my online account and if it has been compromised.
Product: Payday loan, title loan, personal loan, or advance loan

I completed payment on my loan with Green Sky and my bank mistakenly sent and extra payment of {$370.00}. The company didnt issue a check when they received the overpayment and when I saw it on a statement 2 weeks later and called I was told I have to wait for 30 more days to get my refund. That is 6 weeks! 
The company holds my finds hostage making an interest. They charge 25 % interest for their loans with 0 % intro financing for 12 months. If a payment is delayed by more than 10 days, they will charge 25 % retroactively and I would have forfeit the intro financing. BUT they can hold my money for 6 weeks without any consequence. When I called I was rudely informed that there is nothing I can do about it. I find this practice greedy and dishonest. The amount mistakenly withdrawn from my account can be of consequence and Im not willing to have it held without my consent for 6 weeks.