23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late recorded a grievance with the Consumer Financial Protection Bureau against CoreLogic we're not putting a security freeze on my CoreLogic credit document for the second better they are revealing to me CoreLogic is an affiliate of the buyer report data gave by three National Consumer detailing organizations however I realize they do play security freezes since I had a security freeze with CoreLogic previously. Presently I'm documenting my second protest against CoreLogic for not setting a security freeze on my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXX I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XX/XX/XXXX, FTC as well as my States Attorney General.
Product: Credit reporting or other personal consumer reports

I found out that I've been a victim of identity theft. these account that Im reporting are affecting my credit report so bad.
Product: Payday loan, title loan, personal loan, or advance loan

Borrowed XXXX dollars on XX/XX/year> since then have paid company {$1100.00} as of XX/XX/year> and they want XXXX more in payments. This seems highly illegal and loanshark interest rates. They we highly dubious in explaining this.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

Public Record - XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit card

I had a Home Depot account that had been closed by Home Depot due to inactivity. The account was re-opened fraudulently without my knowledge, and a charge was made at a store far from my home store. I only noticed when Home Depot collection calls came in. I immediately let them know that this was fraud, and also created an online profile to notify them of the fraudulent charges on XX/XX/XXXX. Home Depot 's fraud department is not responsive, and at first refused to close the account or remove the charges. I visited Citibank, the main bank that owns this credit card, and they had to call the Fraud Department. Finally, today, XX/XX/XXXX, the main charge is removed from my account, but Home Depot is not removing the late fees and interest charges related to the fraud. The Fraud Department hangs up on me or is closed, and Home Depot has been very difficult to deal with.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars through PayPal to the WRONG email address. It was a send money to friend transaction and as soon as I realized it was a mistaken email address, ( 5 minutes or so ) I tried to cancel the transaction and it didnt have the option. I called PayPal and they said to file a dispute and contact the person it was sent to. Ive sent her a couple emails asking her to cancel it or refund it to me and I havent heard back. Shes a  complete stranger and I dont know how else to get ahold of her other than email. I need the money to be sent back to me from her as it is not meant for her. PayPal isnt helping at all and I dont know what to do after filing a dispute with ic3.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX There also is a a collection account from XXXX XXXX XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX balance
Product: Debt collection

On XX/XX/XXXX I got a voice message from something called ARS ( only a acronym, nothing else ) by a man named XXXX asking for me to call because of a " Time sensitive matter '' with no other information on what it was about or who they were, same with my parents and my sister. Being I get scam calls sometimes I didn't call because I naturally assumed it was a scam. In the month of XXXX I got 2 text messages in a week to " Confirm my location '' from ARS ( again just the acronym ) Finally on Wednesday XX/XX/XXXX I got two messages while at work from A XXXX XXXX from two different numbers within 10 minutes of each other from what I now know to be Atlantic Recovery Solutions involving supposed debt from XXXX, A institution I haven't been involved with in at least 8 years, asking to verify personal information about myself making it seem like they tried to reach me multiple times instead of that one time in XXXX. My mother and step father as far as I know were also called in that time too. I was advised not to respond. 

I have never received anything in the mail or in writing about anything involving any supposed debt. Just a call with at the time vague acronym ( ARS ). I have even checked all 3 credit reports and have found nothing on them indicated in the last 7 years that most credit reports go back. If their is any supposed debt why attempt to collect after it's more than likely legally passed the Statue of Limitations to take any legal action in most states, Including the current SoT of 3 years in my state or the original one of 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.
Product: Credit reporting or other personal consumer reports

Im trying to purchase a home and XXXX and Experian are reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. 

They are listed below. 

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

automated message to call number XXXX regarding debt. 

I have no debt nor does my spouse as the only occupants at our household.
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 the 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 resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic 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: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy due to fraud and identity theft of certain items on my credit reports that have been provided by debt collectors. Despite my attempts to contact the debt collectors and provide them with all necessary information to verify that the debts are incorrect, they have failed to take action to correct the mistakes. 

As per the Fair Credit Reporting Act ( FCRA ), if a disputed item is incorrect, it must be corrected and the debt collector must notify anyone who has already received a report containing the incorrect item. However, the debt collectors have not been able to determine whether the item is correct or not within the 30-day period as per 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. 

Therefore, I request that you remove these inaccurate accounts from my credit reports. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed a loan agreement with XXXX XXXX XXXX. It was a car loan in the amount of {$17000.00} for a XXXX XXXX XXXX. I made payments from XX/XX/XXXX- XX/XX/XXXX. I stopped making payment because my car was impounded and sold between XX/XX/XXXX and XX/XX/XXXX. The remainder of the loan for XXXX XXXX XXXX was for {$13000.00}. They sold my loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX has refused over XXXX times to update there information on all 3 bureaus when it comes to when the debt was sold and to who it was sold, this continues to mark me as a late payment with trans unions credit report because the have continued to neglect updating that I dont have to make a monthly payment to them anymore because Im settling with XXXX XXXX XXXX who they sold too. XXXX XXXX XXXX is being completely unhinged and outright dishonest about there practices. Please help me with this dilemma as Ive tried over a dozen times.
Product: Student loan

I was going to enroll in XXXX University for a XXXX XXXX. I completed the paperwork and prior to submitting the {$75.00} enrollment fee, I was informed from XXXX that I did not have the necessary credits to enroll. XXXX University proceeded with the student loan through XXXX, but I was never given any of the funds. This was in 2009. I have been trying to resolve this since, but now a new company has become involved on behalf of XXXX and they are threatening legal action, wage garnishment, etc. I never received this money because I never actually enrolled or was able to enroll. XXXX continues to send me collection notices for the {$75.00} enrollment fee.
Product: Mortgage

I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?
Product: Credit card

The MyLowe 's Reward Credit Card recently changed their policy and have started to assess their customers for a paper statement fee. I don't recall being informed of this change and furthermore since the change I was not getting the paper statement even though I was being charged for them. After explaining this to the representative on the phone I was informed that there was a mailing issue and my fees for the paper statements, interest and late fees would be waived. I immediately made a payment for the {$48.00} that I owed and confirmed the new balance would be {$0.00}. The next day I noticed yet another late fee and interest was charged. When I called back, I encountered resistance from the original rep and the supervisor. After a 15-minute exchange they finally waived my fees but could not confirm with any certainty that this issue would not negatively impact my credit report. They told me I would need to do the research and that if I saw something negative, I could put through another dispute.
Product: Debt collection

ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

Hunter Warfield Amount : {$6700.00} Original Creditor : XXXX XXXX at XXXX XXXX The account was dispute directly with the collection agency. It has been 120 days with no validation of debt. Original request for validation was sent on XX/XX/2018. This account has also been DISMISSED in court. All pending charges have been dismissed. Please see attached documentation provided by XXXX County Court House. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE the above account as quickly as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureau must validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Product: Debt collection

The response provided to the XX/XX/XXXX and prior complaints does not substantiate the credit reporting. 
1. If debt was purchased by law NCA is required to notify and allow 30 days for response. This was not done. I was denied the right of debt validation and verification. Attached documentation provided toXX/XX/XXXX and documentation associated with other CFPB complaints shows lack of notification 2. Original debtor has no record of any debt being sold to NCA. 
3. Documents provided to by NCA in response demonstrates they lacked to notify, and follow FCRA regulations.
Product: Student loan

Hi I 've been having an issue with navient and the XXXX XXXX and my student loans, I 've been having a hard time getting answers about my student loans. I 've been redirected, hung up on. My loans have been bought and sold adding to the fees and penalties. It 's overwhelming, it 's scary, and it 's been making my life so horrible. I wish I did n't get the fake education from the XXXX. And then have to deal with predatory loans. It 's ruining my life. The XXXX is a sham. And the loan holders do n't give information, they do n't assist in any way. I have XXXX kids and a part time job so I can take care of them. Loan holders are asking for a ridiculous amount. I ca n't do it. And they wo n't help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$520.00}
Product: Credit card or prepaid card

I have an Alliant Cashback Visa Signature Card that is suppose to pay 2.5 % cashback on all purchases. My XX/XX/2021 card balance was {$42000.00} earning me {$1000.00}. They credit union only gave me {$250.00} in rewards ... they still owe me {$810.00}. They will not acknowledge any complaints. There is a complete lack of customer service! I have the documents included with my credit card clearly stating 2.5 % cashback for every dollar spent with no limit on the amount of cash back! 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email to the CEO of XXXX XXXX  on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXXXXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a Transunion alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, XXXX XXXX, XXXX ''
Product: Mortgage

Planet Home Lending has the second mortgage on my primary property and this matter is in Supreme Court in NYS regarding a foreclosure preceding the institution is trying to commence with. My complaint stems from the Servicer/Lender continuing to provide statements and other letters that are not court documents to the agency thats handling the foreclosure proceeding on my behalf. 

Recently, in a letter dated XX/XX/2021, Planet Home Lending requested proof of insurance for my primary property. The Servicer/Lender is clearly addressing the letter to the Legal Aid XXXX XXXX XXXX , New York instead of my address being XXXX XXXX XXXX XXXX , New York XXXX . Subsequently, the Servicer is well aware of my first mortgage with XXXX  XXXX XXXX requires up-to-date insurance for the property and I do not want to pay for additional insurance through their institution. 

If the Pandemic elevates workers/attorneys from The XXXX XXXX XXXX could be forced to work elsewhere and notices sent to their office may be delayed for an extended time. I am requesting the Servicer/Lender forward all statements and notices to my address. They may provide the bureau with any/all other court briefs. I have attached the requested proof of insurance for their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Data Breach Settlement -- I was a victim and chose two or three years of free credit monitoring. 
Yesterday I found out that Experian has been charging my credit card every month for many months. 
I called Experian and they stopped the unauthorized credit charge and would only credit me for the current payment. 
I called my XXXX XXXX and they could only go back three months. 
I want reimbursement for all the months of unauthorized charges against my XXXX XXXX. 
Here are the dates and charges : {$23.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and {$21.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. On XX/XX/XXXX {$1.00}. 
subtotal for XXXX : {$180.00} plus subtotal for XXXX : {$66.00} ; grand total owed to me is {$250.00}.
Product: Credit card or prepaid card

I filed for fraud when I realized my direct deposit was transfered in XXXX XXXX they don't have a direct customer service number or representative only a advocate online chat. I have had many other fraudulent purchases and transfers since and was not aware of them or contacted when it was noted. I triedcntacting cash app may times and got a lot of run around and waiting with no end resolution. Not once was I properly contacted by cash app and as my money has been in the hands of a FDIC insured company I feel as such standards should be used in accordance.