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

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry and incorrect account information such as address. 

This inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/2017 I called Equifax to have a number of addresses and phone numbers I did not recognize a 's being any that I have lived and phone numbers that I do not recognize as being any that I have had since having a phone and I was hung up on. I called back and was told after 45 minutes of holding that they could not dispute this information for me.
Product: Debt collection

To whom it May concern. 
This is the second or third time that I have contacted you to tell you that the account you are trying to collect from me is not mine. my identity was stolen i never applied for XXXX  nor gave authorization to anyone to open an account using my identity i need them to send me proof that the account is mine. I repeat, my information was stolen, I will not pay for a debt that is not mine. I want to see a copy of my license, my signature and the day the contract between XXXX  and the person who opened the account was made
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Student loan

Submitted earlier complaint with CFPB, which closed despite improper resolution. See attached documents in reference to complaint. 
Sent fourth letter to XXXX XXXX  department following up with complaint, they haven't responded for a month.
Product: Debt collection

I want the servicer of the first and second principal balances to provide me with the 2 truth in lending disclosure statements used to submit the {$250000.00} payoff statement provided to the title company for the sale of my property in XXXX XXXX Include payments made to XXXX XXXX before the foreclosure of my property in XXXX XXXX Include payments made to XXXX XXXX for the {$140000.00} unsecured debt collected for credit cards discharged in bankruptcy for payments that include the principal pay off of credit cards included in the XXXX XXXX second mortgage Use the {$57000.00} paid to credit cards included and paid in the mortgages to pay the foreclosure balance on my duplex Include escrow payments and interest paid to 3 properties serviced in the 2 truth in lending disclosures I signed to payoff {$290000.00} in XXXX. 

Explanation of {$230000.00} loan disbursement in XXXX, to whom it was paid and the source of the funds. 

Explanation of {$270000.00} new loan set up in XXXX for the money 1 ) had already paid 2 ) was not given to me 3 ) paid a foreclosure balance of property I lost 4 ) discharged in a superfluous bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed errors on credit report and I disputed with Experian information services concerning two accounts " XXXX  XXXX XXXX  " and " XXXX XXXX XXXX ''. Experian stated they verified these accounts so I sent a debt validation to both " XXXX XXXX XXXX " and " XXXX XXXX XXXX ". Neither company was able to validate these debts or provide any original documentation. I also sent Experian evidence proving the debts they were reporting were false and therefore needed to be removed. However Experian continued to report false information which is illegal. I have provided all the documents to prove my case. To say they verified these debts is unlawful and shows they're intentionally reporting this debts to harm my credit score. I have PROOF that these debts are not valid. They never did an investigation but only " verified '' they debts through XXXX with NO supporting documentation. Experian is reporting {$16000.00} in debts with no PROOF or documentation how is this possible? this ruins peoples lives and Experian needs to be held responsible I provided specific details of why these companies were false and needed to be removed. 

( XXXX XXXX XXXX XXXX ) - I do not owe {$6500.00} and this is not my debt. I disputed with the collection agency and they sent me a balance sheet with a {$6500.00} lease termination fee for XXXX which is false. The balance sheet was not authorized ; it doesn't have a signature. I signed a Right to cancel form ( sheet B ) therefore I did not have a XXXX lease, proving that this debt is false. There is no way this debt could have been verified. This has been removed from my XXXX report. Reporting this false debt, it is in violation of the FDCPA and FCRA. THERE IS NO WAY EXPERIAN VERIFIED THIS DEBT. I have attached PROOF that i do not owe this debt and it shouldn't be reported. 

( XXXX XXXX XXXX ) - I do not owe {$9700.00} and have no knowledge of where this account came from. I never had a written agreement or payment arrangement with this company or creditor. This is a false account and can not be verified. When I asked XXXX to validate the debt they sent a balance statement with fraudulent charges ( Sheet A ) and could not provide a contract baring my signature needed to verify these charges There was no way Experian was able to validate this debt. There is no supporting documentation. Also a collection account can not be closed and have failed monthly payments. That is a violation of the FDCPA. Experian never did a investigation. You can't verify a {$9700.00} debt through XXXX with no supporting evidence this has affected me financially, mentally, and emotionally. I'm not able to move forward with my life because Experian doesn't verify debts on consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX See the attached letters
Product: Debt collection

Shellpoint Mortgage Services XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over XXXX different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take XXXX4 days, then up to a week, then XXXX14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why Shellpoint Mortgage Services is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports 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 XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Product: Mortgage

I've now missed two closing dates XX/XX/XXXX and XX/XX/XXXX due to no negligence on my part. The underwriter is refusing to approve my loan in spite of being qualified. Each time the closing date is near, the underwriter adds items to be provided. I've had to supply unreasonable documents that have nothing to do with being able to afford the home. I'm a XXXX woman, on the loan alone and I believe a XXXX  woman making my income, close to XXXX, would not be discriminated against the way I am. I've constantly been told " this is the last item needed '', yet right before closing, more things are added. Making it impossible to make closing deadline. They can't lawfully deny me because I qualify, so I'm being discriminated against in hopes I don't comply, so the loan can then be denied. This is unacceptable and I will fight all the way to the Supreme Court if needed to fight this.
Product: Money transfer, virtual currency, or money service

This involves CASHAPP, XXXX, XXXX  and XXXX XXXX XXXX that everything happened. I got a remote part time job offer from a company called XXXX XXXX who indicated that associates review XXXX products and get paid through commissions. The HR said that they found my resume online and sent out the offer. I went through the XXXX day training with a trainer called XXXX on XXXX and the company link was forwarded to me to create an account and begin work. At the end of the training and getting started with work, I was able to withdraw my commission on the same day. The next day I logged in as usual and started my task but couldnt continue because I experienced something called advanced task which was new to me and it was explained that for advanced tasks, youll have to remit the payment to get your task done and then withdraw your down payment and commission at the end of the day. The advanced task came with a higher commission and the customer service personnel confirmed that it was not likely for someone to encounter advanced task as they came with higher commission and until you remit the payment, you cant proceed to complete the task and get paid. I complied and got done with the task and was able to withdraw my commission together with the funds I added. Fast forward the next day, it happened again, and I was stuck so I did the usual of adding funds in hopes to get it back at the end of the day but the amount was huge close to {$1500.00} so I had to find ways to remit that and complete the task. Also, all funds transactions were done through purchasing crypto currencies to make payments and to withdraw funds from the job pay. That is how CASHAPP, XXXX and XXXX  came as a suggestion from my trainer and the customer service representative. There is also a XXXX group for us where we share encounters and ideas concerning the job. I remitted the payment and it happened over and over again that my account was locked and I couldnt withdraw any money because they asked me to pay {$14000.00} after having my money of about {$15000.00} locked up. I had to borrow from friends to get through the task hoping to get the money back at the end of the day but I later realized that it was fraudulent because they started blaming me for causing errors in withdrawal process. I contacted XXXX XXXX, CASHAPP, and XXXX  but they are not providing any positive feedback and strike app had my account closed. XXXX XXXX opened a claim but it was denied and closed. I really need help getting these funds back to pay back all my debts. To add up, I also did a wire transfer through XXXX XXXX and the company happens to be in Florida according to my trainer who sent me a picture of herself and kids stating that she had worked on the job for XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you require the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXX XXXX  with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. 

I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress.

Please find attached account in question as well as a copy of my consumer FICO credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud.

I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law.

Thank you for your prompt attention to this serious issue.
Product: Mortgage

Received a escrow overage letter from my lender stating that my new payment would be less. 
I made the new payment in XXXX not realizing the adjusted payment was taking effect in XXXX. 
I paid the shortage ( {$70.00} ) but by then the lender had reported that I was thirty days late. 
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.
Product: Vehicle loan or lease

I recently surrendered a vehicle that I had re-financed with One Main Financial because it was falling apart. The repairs needed to make the car functional, which was going to eventually include a new engine, was more than the actual value of the car. I had re-financed with them to get a better rate, and had paid them $ XXXX over the XXXX years since I did the original re-fi. The car was never worth as much as the re-fi was for ( about XXXX ), but I needed a car, and I am not a mechanic, but I had a few places that I could go to for help that didn't overcharge me, so until the car REALLY started breaking down, at least I was breaking even ( in retrospect ). 

So late last year, I started getting offers from One Main Financial to re-fi, again, to an even lower rate, with subsequent lower payments. Never XXXX to turn down a lower payment, I went for it. Only this time, every time I turned around, there was XXXX issue after another. A XXXX ton of miscommunication ( I would be told different things by different people ) followed by several extra payments, followed by having to call corporate. Then on top of everything else, my car got broken into, which my insurance didn't cover, and I got slammed out of pocket for that, As well as the burgeoning engine problems. It got both ugly AND expensive. 

When I went to surrender the vehicle, One Main Financial made the process EXTREMELY difficult. They tried not to take the car back ( wouldn't give me information on how to surrender the vehicle, got REALLY nasty with me over the phone, refused to talk about ANYTHING other than me continuing to make payments, etc ), then when they finally made an appointment for me to surrender the vehicle, were absolutely rude when I came into the office. 

So my current quandy is this : They sat on the car for XXXX months before they sold it at auction. The car was only worth {$5500.00}, which is what they sold it for. Now they are demanding $ XXXX for the difference in what I owe them on the re-fi. They already have $ XXXX of my money + {$5500.00} that they sold it for on a car that was only worth {$5500.00} to begin with. 

I received the attached letter in the mail earlier this month, informing me of what I still owe them, and telling me to contact them. If you look at the letter, there is NO contact information. I feel that this is a setup to sue me in court to obtain a wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I never received noticed from XXXX about the warning to forward to collections. I never was warned that it would be sent to collections when it was. I use the app to pay what I can on it and my recent payments were in XX/XX/2022. I was paying what I could and it just got sent to collections without notification?
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

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

I've had a citibank XXXX  savings account for several years that I was using to store money ( ~ $ XXXX ) for a house downpayment. Citi accepts ACH transfers, which is how I had slowly funded the account. 

I had an offer accepted on XX/XX/22, and needed to transfer $ XXXX out of my citi account for an XXXX money deposit by XX/XX/22. 

Citi evidently does not allow ACH transfers out -- only in. So I tried to initiate a wire transfer, upon which an online popup told me I needed a debit card to allow me to do that. Citis online service then promptly locked me out of my account. It makes no sense whatsoever to have a debit card for a savings account. 

I called citi and was put on the phone with a person who was verbally incomprehensible. I tried again with another call back and then had a completely useless conversation with another customer service agent who, it felt, was reading from a flow chart. The dialog went effectively : Me : Hi I need to initiate a wire transfer because I bought a house. 
Agent : Okay, what is your debit card number? 
Me : I dont have a debit card for this account. 
Agent : A debit card is required to initiate a wire transfer. 
Me : I dont have a debit card for this account. 
Agent : A debit card is required to initiate a wire transfer. 
etc. 

I attempted to ask whether someone had an alternative solution, whether I could speak to a supervisor, etc., with no help provided whatsoever. I called back several times and had similar conversations for XXXX hours, until I called a different service number and found someone who could issue me a debit card, but it didnt arrive for a week. 
Unable to get my money out of my Citibank account, I had to move money from another account ( that I wasnt ready to move quite yet ) and ask a family member to help me with the difference to make the deadline for the initial earnest money. 

Now, Im attempting another second transfer with Citibank ( basically to move my money pre-emptively to another account so I dont risk any more Citibank holdups before my home close on XX/XX/XXXX ), and have had to spend hours on the phone with them going in circles about my identity, debit card number, etc. to initiate that wire transfer. 

I recognize there is nothing illegal about terrible customer service. But, the spirit of this is not consumer friendly, so Im curious if there is recourse or corrective action so that other people dont have the same frustrating and stressful experience I did that almost killed my chances at being able to close on a house. In sum, Citibank makes it incredibly easy to put money into accounts there, but incredibly difficult ( not to mention expensive in terms of fees ) to get money out of accounts. From speaking to friends with Citibank accounts and reading online reviews, so many other people have had similar experiences and Im not alone in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to express my disagreement with the Credit Bureaus findings and to request complete accuracy. I feel that not enough effort was made to contact the creditors/agencies responsible for reporting the information in question on my report. Therefore, I am requesting more information about these specific items, particularly the Negative Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$100.00}. In accordance with the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I kindly request that you reinvestigate and either update or remove these disputed items. Please provide me with the names and addresses of the individuals who were contacted during the investigation. You have a period of 15 days from the receipt of this letter to complete these actions, unless you inform me otherwise. Please note that failure to verify the items within this time frame constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my credit file that dont belong to me and I dont recognize I asked the bureau to investigate and they failed to do so,