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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXX XXXXXXXX XXXX Lease Date opened XX/XX/XXXX, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX  Date Generated XX/XX/XXXX, two other dates where I filed a dispute but nothing happen XX/XX/XXXX and XX/XX/XXXX The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.
Product: Debt collection

I called CBC to inquired about the debt owed. The representative informed me that I owed a debt of {$19.00} and that she didnt see a debt being owed for XXXX.. I paid the debt for {$19.00} which was total for {$24.00} since I paid it over the phone. The debt for {$180.00} is still being showed as owed on my credit report from this company..
Product: Mortgage

Why is the Federal Government supporting the new 3 % mortgage downpayment products recently being offered by Wells Fargo and XXXX? This is exactly what caused the housing crisis bubble which caused the 10 year depression we are just recovering from. There is no way that XXXX XXXX and XXXX XXXX should again be involved in underwriting these risky loans ... .Your organization should be fighting this new movement back to risky loans and business practices on the backs of taxpayers. I have already written my Senators and Congressman to step in and escalate this new movement so it 's more transparent to everyone ... ..please have someone in authority do something before it gets out of control ... and we all know it will! 
Regards, XXXX NC
Product: Credit reporting or other personal consumer reports

Trans union did not do an accurate investigation in providing the factual details to my dispute. On their investigation report # XXXX their are two accounts that are identical XXXX XXXX XXXX # XXXXXX/XX/XXXX# XXXX. 
A precise and accurate investigation would have uncovered the details of them being the same account. And if they cant find the minute issue shows their lack of maintaining complete and accurate records. 
XXXX acct # XXXX XX/XX/XXXXacct # XXXX XX/XX/XXXX acct XXXX XXXX XX/XX/XXXXacct # XXXXXX/XX/XXXXacct # XXXX XXXX acct # XXXX These accounts plus the two identical does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. 
Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Hi, My mortgage was bought on XX/XX/2023 by, Nationstar Mortgage LLC d/b/a Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX : # XXXX XXXX On XX/XX/2023 I received a notice from XXXX XXXX, my homeowner 's insurance company saying my insurance had not been paid and was going to expire at the midnight after XX/XX/. 

Upon trying to trying to contact " Mr. Cooper '' on their website and the phone, they provided no way to resolve the issue. The woman on the phone hung up on me after I courteously told them the problem and made no attempt to re-contact me. I also submitted the case on their messaging system, and never received a response. 

So in order to prevent my policy from lapsing and being uncovered, I paid the full amount : {$3200.00}, and now I have to wait for Mr. Cooper to pay so the the insurance company will reimburse me. I've never seen anything like this in 25 years of making mortgage payments. They boast all over their website about " never having to worry, we pay taxes and insurance way before they're due ''
Product: Debt collection

Repeated calls multiple times a day to restart autodraft after initially told payment amount was per month and drafts for same amount came per week. Did not adhere to request to remove ach debit of account and was threatening in response.
Product: Credit reporting or other personal consumer reports

I have sent a request to Experian on XX/XX/XXXX and twice on XX/XX/XXXX with proper documents to verify my identity and address. Ive been in the process of repairing my credit since XX/XX/XXXX and Experian has yet to update my report since XX/XX/XXXX. Experian removed my personal information as of XX/XX/XXXX, and an updated copy of my credit report is not accessible. Ive called Experian multiple times in the past week and all you get is the automated system, no physical person is available. My credit repair company is unable to finalize the last steps on their end and this could also slow down my process to purchase my car soon.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for inaccurately reporting the XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite the account being charged off, it continues to reflect a balance, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, the account is reported with inconsistent dates and conflicting information across credit bureaus, further violating FCRA requirements for accurate and complete reporting. 
I have requested Equifax to delete this account entirely due to these violations, but no resolution has been provided. I seek the Consumer Financial Protection Bureau 's assistance to ensure this account is immediately removed from my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed numerous disputes with Equifax requesting that this information be deleted, due to it being a closed account from the original creditor due to the FCRA Act the credit reporting agency has approximately 45 business days to rectify this information and to date this information is still showing as opened with a collection agency by the name of XXXX XXXX XXXX however in speaking with the credit bureau Equifax they can not provide me with verifiable information that this account is mine or that the creditor collection agency has provided them with verifiable information that I am indeed the one whom has an open account with them! 
Please remove this negative information from my credit report it's causing me dire hardship
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violate customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute regulation process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The debt is not mines. I sent dispute letters to the debt collection agency that went unanswered. I then proceed to send the credit bureaus to dispute letters to dispute the collection and have not gotten a response.
Product: Mortgage

XXXX XXXX, 2016 Formal Complaint To : Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX In regards to Ditech Loan number : XXXX Property address XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern ; On XXXX XXXX, 2016 my automatic mortgage payment to Ditech was scheduled for the XXXX of each month had not been pulled from my bank account, because of this I called Ditech and was told due to a change in Ditech 's autopay system that my original autopay was cancelled and I would need to pay my bill on line and later set up a new autopay. With that in mind I made a one time payment online, however my autopay which was set for the XXXX of the prior month was not cancelled and instead ran on the first of XXXX along with the one time payment I made online. On XXXX XXXX both my husband and I received phone calls from Ditech explaining the mistake and stating they would be wiring funds back to my bank. I have not received those funds yet. On follow up phone calls to Ditech I have been told both that the funds were wired on the XXXX and they were n't able to give me any form of Federal Reference number and that their seems to be some conflicting information causing them to think the funds have not been wired to my bank. Each time the representative or supervisor states they need to send an email to the back office who processes those transactions and will get back to me. I began calls to track this down with my bank on XXXX XXXX, 2016 and began escalating to supervisors at Ditech on XXXX XXXX. I have still not received any calls regarding the location of these funds. 

As a separate complaint, on Tuesday XXXX XXXX, 2016 I was speaking to a supervisor by the name of XXXX, who I believe intentionally disconnected the phone call. I 'm highly disappointed in the service we are receiving regarding this matter, the inconsistency in the answers I receive and the fact that we still have not received these funds back. 

Today is the XXXX of XXXX, if you had not received my monthly mortgage payment by now you would have charged me {$55.00}. Will Ditech be sending me an additional {$55.00} as a late fee for holding my money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

Ive been trying to remove my debit card accounts that have had fraud on them. Ive also revoked ach access. I keep getting charged and they keep saying they cant revoke my automatic payments. I said you have to revoke my authorization for automatic payments and they have denied my requests snd continue to run payment methods I didnt authorize. This has caused a lot stress concerned my account is being debited without my authorization. I want to make manual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. These collections are due to accounts that were fraudulently opened in my name and are not mine. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

When a borrower pays the monthly loan amount in excess of the minimum payment requirement, Sallie Mae " holds '' the excess money and applies it to the following month 's minimum monthly payment ( which reduces the amount owed for the next month ), as opposed to applying excess funds to the priniciple balance of the loan as the website states. In order for Sallie Mae to apply overages to the principle balance, one must be enrolled in automatic debit. However, this is not conspicuously explained on the website, nor does the payment allocation example provided mention this requirement. I have been paying a little more than the minimum monthly payment under the assumption that the excess would be applied to the remaining principle balance of the loan, hoping that my little overpayments will decrease the balance of the loan slowly but surely. To date, I 've re-paid over {$5000.00} on a {$15000.00} loan, yet have a remaining balance of almost {$17000.00}. This payment allocation system deceptively allows for only accrued interest to be paid on the loan, keeping the principle balance high and untouched, which allows for more interest to be added onto the loan balance. This is unfair, egregious, and unconscionable.
Product: Credit reporting or other personal consumer reports

Inaccurate information of my closing date, no charged off date and last payment date.
Product: Credit reporting or other personal consumer reports

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since 2013 and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXX and a XXXX veteran, Conns changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be one that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called conns to have them pick up the thing because they were harassing me calling up to 10 times a day. When I called conns to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. Conns I guess their name should of told me! Im totally disappointed
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was divulged ( SSN, addresses, credit details ) in the Equifax hack.
Product: Credit card

There were a total of 21 authorized credit cards issued to XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Fl XXXX. HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These cards were issued under my name XXXX XXXX XXXX, XXXX XXXX and My daughter XXXX XXXX. The cards were issued to him without our consent or knowledge at the time. He used our identity and social numbers without consent. He receives these cards and statements at his address in our names. Originally we thought that he did it for travel points, but they travel out of the US with first class accommodations. She is a XXXX XXXX and he sells on XXXX under XXXX XXXX XXXX. Things do not add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been writing all 3 bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, 3 different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, XXXX and EQUIFAX all are still reporting such.
Product: Credit reporting or other personal consumer reports

Manual verification is required for all listed items below. Under Rule 9037, USC 1681, 1682,1683,1684. Verification is needed for times and dates talked with these creditors. 

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts listed in my XXXX  were all opened without my knowledge. This XXXX  ABSOLUTELY needs to be removed off my public record as a result. This is illegal for XXXX to continue reporting this when Equifax nor XXXX has it listed. Please remove this off my report ASAP! 


XXXX XXXX XXXX  {$XXXX} Date Opened XX/XX/XXXX Under Rule 9037 my privacy and information needs to be protected. We are requesting XXXX XXXX. Not any automated system manual verification. We need full social security number provided, name of person spoken with, the dates and times. If not this removed off my credit profile Under 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

XXXX XXXX which is Comedity Bank system has been down for for days and you cant sign into your account and they are not taking calls. Their XXXX says its a system update but you cant do anything on their website. If the system is down what does that have to do with them accepting calls? You cant make payments.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Exposed Credit information Under 15 U.S. Code 1681b Dear Sir or Madam, I am writing to formally request your assistance regarding an issue involving the unauthorized exposure and use of my credit information. My credit report has been accessed and exposed without my permission, which is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
According to this law, consumer reporting agencies may only furnish credit reports under specific. permissible purposes outlined in the statute, such as with the consumer 's consent or for legitimate business needs. I did not authorize the disclosure or access to my credit information in this instance.

I request the following actions : immediate Removal of Exposed Credit information : Please ensure that any parties who obtained my credit information unlawfully are required to remove it from their systems.

investigation and Resolution : Conduct a full investigation into how my information was exposed and confirm whether the use of my report complied with!

Protection of My Rights : Take the necessary steps to prevent further unlawful acts. 

Alliant Capital Management I do not own this debt. I do not have a contract with Alliant Capital Management. Alliant Capital Management should be removed from my credit reports immediately.
Product: Prepaid card

Received an American Express XXXX XXXX for {$150.00} from a family member as a gift on XX/XX/2023. I have tried multiple times to use the card for purchases, but each time the payment is declined by American Express. When I call American Express to find out what the problem is, they always acknowledge the gift card amount and say it was probably declined for " security reasons '' but otherwise give no good reason why the payment is being declined. In addition, the retailer has often charged a temporary amount to verify the card which decreases my gift card amount and for which I then have to wait weeks for the amounts to be restored before I can try to use the full amount of the gift card again. This has happened almost a XXXX  times in recent months and to this date I have not yet been able to use a XXXX of the gift card amount due to American Express not honoring the card and paying the retailer.
Product: Debt collection

Received several phone calls from a XXXX XXXX from Bermin and Rabin, PA, regarding a debt I have no knowledge of. Repeated phone calls to my workplace with threatening abusive language placing my job at risk.
Product: Credit reporting or other personal consumer reports

Despite submitting FTC report # XXXX, these inquiries remain unresolved. This is my new complaint that I am a victim of incorrect credit information and I submit to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged incorrect credit information. I also attached my new FTC report XXXX. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>