23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Just received response from Equifax for complaint XXXX. The company did not complete an actual investigation for the second time regarding this matter. I disputed the accuracy of the information in regards to the date of first delinquency for XXXX XXXX and XXXX ( formerly XXXX Bank ). I have XXXX XXXX Bank accounts XXXX for {$6000.00} and another for {$3600.00}. The account in the amount of {$3600.00} is the disputed account which matches the XXXX collection account. The XXXX account with the amount of {$3600.00} was removed from my credit report because it is past the 7 year mark XXXX XXXX XXXX XXXX, 2008 ) however, Equifax is stating that the associated XXXX account is reporting accurate information. This is not true because the original creditor already stated to me that the date of first delinquency was in XXXX 2008 AND Equifax already removed the original creditor account. XXXX stated the same but will not dispute the information with the CRA. Please advise what my next step is in removing this inaccurate information before I can initiate a lawsuit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the two letters I received from XXXX in reference to the two accounts they have requested be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

My most recent payments were bounced back from my checking account because of the incorrect account being used. I made an additional payment and Capital One closed my account without warning or notification. When I inquired about accessing the rewards points I accrued, it was mentioned that those points were forfeited. Those are my points ( XXXX ) that I earned that hold value and they should allow me to at least transfer them.
Product: Student loan

After repeated attempts in XXXX and XXXX of 2016 to make an extra monthly payment of {$350.00} on my student loan online I called Navient to attempt to make a payment over the phone. The Customer Service Representative I spoke with in XXXX told me I was unable to do that because of " company policy ''. Then I called again in XXXX to try to make another payment over the phone and after haggling with rude CSRs again they told me my payment of {$350.00} would go through. After checking my account balance on XXXX I found that, though they did process my payment of {$350.00}, they made an unauthorized additional payment of {$350.00} without my permission. 

When I want to make extra payments they tell me I ca n't make one. When I do n't want to make extra payments they take my money without my permission. Their customer service staff is rude, dismissive and unprofessional. Their payment staff is ignorant and completely incompetent.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for a violation of the Fair Credit Reporting Act ( FCRA ), specifically subsection 605 ( b ).

Details of the Complaint : Account in Question : Fraudulent car loan with XXXX XXXX XXXX XXXX Date of Discovery : [ XX/XX/year> ] I recently discovered a fraudulent car loan account from XXXX XXXX XXXX XXXX on my credit report. I promptly disputed this account with the credit reporting agencies, as it was not authorized by me and is the result of identity theft.

Under FCRA subsection 605 ( b ), any information that can not be verified as accurate within a reasonable time ( typically 30 days ) must be deleted from a consumers credit report. Despite my dispute, the fraudulent account remains on my report, causing damage to my credit score and financial reputation.

Actions Taken : I have contacted both the credit reporting agencies and XXXX XXXX XXXX XXXX to dispute this fraudulent account.

I have provided supporting documentation, including a police report and an identity theft affidavit, but the inaccurate information has not been removed.
Product: Money transfer, virtual currency, or money service

I purchased cryptocurrency in OkCoin. Their XXXX XXXX identity verification system will not verify my identity because they say the pictures of my id are too blurry using their system. I have sent them clear pictures of my identity and asked to discuss other solutions. They will not provide me with any.
Product: Debt collection

Couple months ago I got a letter from this company so that I have a date for my medical bills. I told them do not contact me by mail phone calls etc. The hospital made a mistake and Im not paying what I owe. On XX/XX/2020 I get a letter in the mail again from this company I called them and told them a couple months ago they were told not to contact me by mail or phone. And they have they are violating my rights as aConsumer
Product: Checking or savings account

Received my Early Warning Report. Stated that on XX/XX/XXXX I attempted a transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. Not sure what the allegations are. I never made any such transactions of any kind that would lead to me compromising my bank account. I identity was compromised in early of part of XXXX. I was once homeless for 20 years and people befriended me. I strongly believe someone stole my identity and opened a bank account in my name. 

Due to these senseless acts i can no longer have a bank account. I currently get a XXXX check which i'm having a hard time receiving due to the fact that i'am in the XXXX XXXX XXXX. I don't have people i trust to have my check deposited into anyone account due to what happen to me in XXXX and XXXX. Someone has been applying for credit in my name. I just ask that help be the bridge in helping me clear my name out of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX ( XXXX ) dispute letters I have been sending to the Credit Bureaus, the Credit Bureaus have done nothing and continued to report the disputed items on my Credit Report without sending me copies of proofs of verification which is a clear violation of a consumer 's rights under the FCRA. The Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal identifying documents as well as the ID THEFT REPORT I received from the FTC. I am submitting this CFPB complaint to you today to address the indifference and negligence of the Credit Reporting Agencies. Under the provisions of the FCRA section 605b, I am requesting that the following items be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Product: Credit card

Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until XXXX 2015. I found out that Security Bankcard Center has been charging me over $ XXXX {$100.00} per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ XXXX {$100.00} for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year just because I had a certain balance. I do have the contract. I want this matter resolved fairly.
Product: Debt collection

I am writing to request validation of the debt referenced below, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide documentation to verify the debt and confirm that I am responsible for it. 
Midland credit Management , INC {$310.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$1500.00} XXXX {$9300.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX  {$100.00} Until proper validation is provided, I request that collection efforts stop and that this debt is not reported to credit bureaus. 
Thank you for your attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

Dear Bureau, I placed a small money transfer transaction with MoneyGram today, XX/XX/18 around XXXX XXXX for a small amount, though it may not seem like a whole lot it is indeed a useful amount for my recipient outside the U.S., in XXXX XXXX to be exact so it be used for personal needs.

After writing an email to Moneygram customer service today, who never got back to me ( falsely advertising in the website that someone will reply back shortly ) and then placing a call to one of the customer service representatives ( XXXX   who wanted me to cancel the transaction instead and try again ) and lasty, chatting with someone online about my money transfer problem ( her assistance was non-existent, rather asked me over and over what the issue was ). In turn, no one was ever able to tell me what happened to the email confirmation ( which contains a code # that needs to be provided to the recipient so the funds can be picked up by the recipient ).

Moneygram has debited my account and charged fees for this transaction and it has not been completed on their part, though it shows on their website that the money is ready to be picked up - but I need the confirmation Email to do that. In turn, the customer ( me ) is left wondering what is the purpose of debiting my personal checking account if the company is not going to make good on their promise and this is not only is embarrassing for the company, but also embarrassing for me since I've waited close to 9 hours waiting for a MoneyGram confirmation Email that includes the access code ( which is different from a reference # provided once the transaction has been completed on their website ) and my recipient is left empty-handed.

This type of behavior, which is quite detrimental to the customer base and dysfunctional is nerving and quite upsetting that my time and money has been spent and still have no answers or a solution. This company does not has the proper tools, processes, training of its employees or even basic general good faith practices when dealing with other people 's money and do not make the customer feel secured and safe funds that my funds are being handled properly.

I sincerely hope that you look into this matter further and you will surely find other similar cases, if not worse, because this is not the first time it has happened to me. Moneygram 's lack of integrity and commitment to the consumer is a complete nonsense.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 XXXX XXXX XXXX XXXX XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Product: Debt collection

Called Experian to check dispute representative XXXX was upset and hung up on me I called back and requested the report be sent to me and the call was hung up again. 
FED LOAN SERV {$1300.00} AccountnumberXXXX FED LOAN SERV $ XXXXAccount numberXXXX FED LOAN SERV {$3800.00} account numberXXXX FED LOAN SERV {$7500.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$7600.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$1000.00} Account numberXXXX  The state all information was accurate without interviewing my family and associates which is a violation of 15 use 1681 ( A ) ( E ). These accounts are also in violation of 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 use 1681 ( b ) ( A2 )
Product: Mortgage

XX/XX/XXXX I called for pay off amount. XX/XX/XXXX they said it was mailed out. XX/XX/XXXX I called never received in the mail. So they said they would email it. XX/XX/XXXX I called said never got the email. They said oh we can't email unless you have attorney. I don't so they said we will mail it to you again. XX/XX/XXXX called said it has not came in mail. They said well we will fax to you. Never came. XX/XX/XXXX I called they said I don't know why it has not came but you will need to contact our attorney. I asked why would they tell me all this bs. I asked to speak to a supervisor they refused to send me to one.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Credit reporting

I have disputed these accounts many times. These account does n't belong to me. I am requesting these account be remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just received a copy of my credit report and I can not believe people steal my personal information to obtain fraud accounts without my knowledge. 
I found 7 fraud inquiries below that not authorized by me and shall delete from my credit report. 

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: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Mortgage

The Servicing of my Mortgage loan with Mr. Cooper was transferred to XXXX XXXX effective XX/XX/XXXX. While my loan was with Mr. Cooper, an Escrow of {$430.00} was being charged every month. 

On XX/XX/XXXX, While my loan was still with Mr. Cooper, I purchase home insurance with XXXX XXXX XXXX and paid {$770.00} for Insurance Policy Period XX/XX/XXXX to XX/XX/XXXX. I also provided proof of insurance to Mr Cooper. However, Mr Cooper still continued collecting escrow for insurance and taxes even though I sent complaints to them several times. 


On XX/XX/XXXX, I realized my property taxes had not been paid by Mr. Cooper so I made a payment online for {$2000.00} XXXX XXXX has sent me an escrow bill of {$1300.00} for XXXX, XXXX and XXXX. When I requested they remove the escrow charges since I already paid my insurance and taxes, they sent me an escrow projection for XXXX that states that starting on XX/XX/XXXX to XX/XX/XXXX they will be collecting {$230.00} a month to go into the escrow account. 

I need help getting my money back that I have paid into Escrow from Mr Cooper in 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Ive had a Credit Karma Spend account for over a year wiht no major problems. I recently had my State Tax refund deposoited into there and Im set to have my federal refund deposited there as well. I recently deposited a check by mobile check deposit and was given a date that funds would be available. On the date given, I had checked my account and they werent available yet but there were no issues. Within 30 minutes, I saw that the funds had become available but also saw they had frozen my account. Ive tried contacting them MANY times and they refuse to unlock my account or give me any other information. The funds show that they are available but due to the account being frozen, I can not access them. It's only {$240.00}, what is the holdup? Unlock my account already.
Product: Credit reporting

I am not able to reach Experian over the phone and not allowed to access my report online.I have disputed judgement that has been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.
Product: Mortgage

I have homeowners assistance through HAF. They make a payment every month to Bank of America. Every month Bank of America always state that they can not find my payment that is sent from XXXX from the home owners assistant funding. They are now stating that they do not have my payment and I am 2 months past due. This has been happening so long. I am concerned about my home. HAF has proof that the payments are being applied