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

IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED XXXX XXXX OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASXXXX XXXX  WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX  ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and an auto loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Khols called my mothers work. She isnt a co-signer and has nothing to do with my account. They also call at least 15 times a day. They call on weekends, before XXXX everyday and sometimes as late as XXXX at night.
Product: Credit reporting or other personal consumer reports

Midland Credit is not authorized to collect debt in my state, I have requested that this negative information be removed from my credit report
Product: Credit reporting or other personal consumer reports

Today, I found an unauthorized inquiry on my credit report that I can not explain. I routinely check my report, and everything was fine until now when I suddenly noticed inconsistencies. I tried refreshing the page, hoping it was just a display error, but the issue remained. This situation is highly frustrating, and I need the submitted documents reviewed immediately to prevent further stress.
Product: Money transfer, virtual currency, or money service

I am writing due to numerous scam thats going on with Zelle. The company hasnt reached out to me due to my request. I will like to continue with Zelle if they fix the problem. It is a lawsuit with CFPB highlighting significant issues with the platform. This lack of accountability is unacceptable and is unsafe for us consumers.
Product: Debt collection

I believe this is for a trial membership I did at a XXXX XXXX gym near me. I signed up for the trial online, used the gym once and then told the woman at the desk it wasn't for me and that I didn't want to continue... I was informed the person I needed to talk to wasn't available at the time. She took my name and told me someone would be reaching out to me. There was no talk about a " process '' to cancel, as I was on a trial. 

I didn't hear anything from anyone, figured the situation was sorted as it was a trial, and went about my business. 

45-60 days later, someone starts calling my phone talking about this debt and late fees I had. I don't own anyone any money, I told them to leave me alone. They kept calling, and now they are having the actual location in XXXX call me and leaving me voicemails threatening they will hurt my credit if I don't call them back and sort out the " late fees ''. 

I have not been to that gym outside of the single day I went to try it. I was not interested in continuing and I told the staff that. 

Its not my fault they don't communicate well and that is usually a result of them not wanting to actually " cancel '' trial members out ... Obviously they need the conversion and additions to their XXXX. The reason people offer a trial is to see if it is something you want to continue. I didn't.
Product: Student loan

When I was XXXX XXXX in XXXX, I was injured and had to be medi- vac to XXXX . That day, my ex-wife and her son took out student loans without my knowledge due to the fact, I am assuming that they were not sure of my survival. This was all done via electronic signatures and having my SS # and vital info, they were successful in doing this. Once it is set up, all they had to do was keep resubmitting the same info for new loans. 
I was made aware of these loans when trying to purchase a home 2 years ago. I made out a police report, called Navient, and called all credit bureau reporting agencies. These were removed from my Credit Report immediately and Navient advised they would stop all collections and make a report of who did this and go after them. In the time that conversation took place and today, they have sold these loans to 4 different debt recovery companies. Every time, I talk to them, they advise they will send back to Navient and refuse to collect. A few months later, they sell it again. This continues to be an issue and Navient refuses to stop selling these loans or provided documentation of my signature. Not sure what else to do, we received new paperwork from a new recovery company today from XXXX XXXX XXXX. 
There are a total of 9 loans in the amount totaling- XXXX
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was XXXX. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



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

This complaint is about the lack of proper regulation of Credit Card Reporting Services, such as Experian, XXXX, and XXXX, and Your agency.

- Are YOU aware that each of these reporting agencies use different standards by which they determine a Credit Score of a Person, or Business?

- Are YOU aware that there seems to be no one standard to use in determining Credit Scores in this Industry.

I was told this by someone in the credit card reporting industry. If this is correct. It is completely illogical to have different standards for each company when they are determining a Credit score of someone, or a business. This is like saying it is OK to have a different safety standard for each car maker to ; Creating no One Safety Standard is totally illogical and totally Unsafe. That is why there is one Car Safety Standard for all Cars regardless of the car maker, that all Car Makers must comply with, that is enforced by the Federal Govt.

As far as the Credit Reporting Agencies, there MUST be ONE Standard by which CREDIT SCORES are Determined. How else can YOU determine which Score is accurate, fair, and legitimate, and in the best interest of all of us. Who is more important, the individuals of OUR Country, or the Owners of these Credit Reporting Services. If this is allowed to go uncorrected, then it will continue to stifle our economy, the well-being of the People of this Great Country. It may seem to be a " small thing '' to worry about, BUT it is not for those for receive invalid Credit Scores. For example, against XXXX, there are and have been XXXX complaints lodged against XXXX. From a Business point of View, Does that make Sense? Against XXXX, and XXXX, there are similar nos. of Complaints. Where is the Government Oversight needed? Wake Up, America! Wake Up, Congresspersons and Senators, and do YOUR Duty.
Product: Debt collection

I disputed the debt. The account was opened with XXXX XXXX In 2012. I contacted the agency to make payment agreement. Portfolio asst. said the only take checking or savings account. Also, This company falsely reported to XXXX that this a new debt and it brought down my credit score by XXXX. The Supervisor told me its because I disputed the debt. I never disputed with XXXX it was on the credit report he told me to pay my bills on time very disrespectful man
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the inaccurate reporting of late payments on my credit report by CarMax, which I believe is in violation of the laws enacted to prevent such reporting during the XXXX crisis. 

I have been a responsible customer of CarMax for several years, and my payment history has consistently been in good standing. However, I recently discovered that CarMax has inaccurately reported late payments on my credit report, adversely affecting my XXXX XXXX and financial well-being. 

It has come to my attention that during the XXXX pandemic, various federal and state regulations were put in place to protect consumers from unjust credit reporting practices, particularly related to late payments resulting from pandemic-related hardships. CarMax 's inaccurate reporting not only harms my credit but also appears to disregard these protective measures. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against CarMax for their alleged violation of credit reporting laws during the XXXX crisis. Furthermore, I request that you instruct CarMax to remove all late payments from my credit report, rectifying the damage done to my XXXX XXXX and financial stability
Product: Checking or savings account

My account was locked when I tried to log in during a trip to XXXX. I've been on the phone with the customer support agent for hours over the months. They kept sending me back and forth. 

There were a few different verification processes, in XXXX instances, they said that verification succeeded and I should be able to access my account in XXXX hours, but I still couldn't. In a few other instances, they said verification failed and they had to immediately disconnect for security reasons. I believe I have all my info correct, but there is no way to confirm since I can't access the account. At this point, it feels like they are just deliberately not allowing me to access the account.
Product: Debt collection

Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX  {$250.00} Opened XX/XX/XXXX
Product: Mortgage

My mortgage was bo ught by Nationstar  from  XXXX   XXXX  in  XXXX . M y Trust  handled by my attorney set up automatic payments through my bank not through    Nationstar. It was on auto pay for 19 months, then with no warning they blocked my payments. My bank informed my atty that it would not accept pyt. By the time it was caught and my bank called Nationstar they then accepted the two payments but did n't remove the 2 lat e payments from credit. They stopped the auto pay when I was refinancing somewhere else. As I was about to close on the new mortgage  Nationstar sta ted they no explanation why they took it off the auto pay making me late, now unfairly forced in to a 6month modi fication instead of a refi. 10.25 % on a  XXXX  $ loan done by dad is too high. This was an inheirted predatory loan by  XXXX   XXXX  done in  XXXX  with my dad. There are  3yrs m issing from the loan. I have documentation shows  XXXX  not  XXXX , payments are missing that I have receipts for, I have ample evidence from  XXXX  including newspaper articles, insurance papers, government papers all showing the Mortgage in  XXXX . Nationstar has been alerted to this however, they still blocked auto pay after 19 months no warning or explanation why. I was also in accident during this time, had no concerns as it was on auto pay all this time. Even with po! ice reports and hospital notes, they still made me late on purpose to stop my refi with another company. I was told by  Nationstar not to waste my time trying to refi with them to go elsewhere, now I 'm forced to a modification, 6months and still no answer. The two pyts they blocked are now on my report, they should remove tho se so I can refi. They stopped automatic payments after 19 months?? then said I was late. Also payments missing I requested my payments history that 's when I found missing paymen ts and 3 yrs mi ssing off mortgage from  XXXX   XXXX . I just wanted a better rate than over 10. % they do not have my original loan documents from  XXXX   XXXX , I still have documents not signed by my dad. He passed in  XXXX .  XXXX   XXXX  wanted me to proceed with a modification after his death under his name and I  XXXX ! ined. Now since  XXXX  did this, instead of refi I 'm  6months  in to a modification. Still waiting.
Product: Credit reporting or other personal consumer reports

I am writing to address the serious violations of my rights regarding the handling and reporting of my account number XXXX. The following rights have been infringed upon due to incorrect reporting and mishandling of my account : Violation of IRS Regulations Right to Accurate Tax Treatment : According to IRS regulations, specifically IRS Publication XXXX, debts that have been charged off must be treated as income for tax purposes. These charged-off amounts should not be pursued as collectible debts, nor should they be reported to credit bureaus as active debt. The failure to comply with these regulations violates my right to proper tax treatment. 

Violation of Accurate Reporting Under FCRA Right to Accurate Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors must ensure the accuracy of information reported to credit bureaus. Reporting these charged-off accounts inaccurately as active debts constitutes a violation of my rights under the FCRA.

Violation of Opt-Out Clauses Under UCC Right to Assert Defenses and Discharge Debts : UCC Article 3 , Section 3-305 : This section allows an obligor to assert defenses against the enforcement of negotiable instruments. Misclassification and inaccurate reporting of these charged-off accounts infringe upon my right to assert these defenses.

UCC Article 9, Section 9-617 : This section addresses the rights of transferees of collateral and the discharge of obligations. The failure to reclassify and discharge these debts violates my rights under this section. 

Reporting Obligations Please ensure that these amounts are not reported as debts to any credit reporting agencies, given their legal reclassification. I request prompt confirmation once these updates have been completed. Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. 

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

I am filing this complaint against XXXX XXXX XXXX  regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported with a charge-off amount of {$730.00} and multiple late payment entries ( 30, 60, and 90 days past due ), which are inaccurate and unverifiable.

Details of the Dispute : Charge-Off : The account is marked as charged off with a balance of {$730.00}.

I requested detailed validation of this charge-off, including a breakdown of the original balance, fees, and payments applied. No supporting documentation has been provided.

Late Payments : The account includes late payment notations ( 30, 60, and 90 days past due ), which are inconsistent with my payment records. I requested validation of these entries, including billing statements and payment history, but received no response.

Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure the accuracy of the information they report to credit bureaus. 
Under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed items.
Product: Credit reporting or other personal consumer reports

Inaccurate report not consistent with all XXXX credit reports
Product: Payday loan, title loan, personal loan, or advance loan

Complaint Regarding Unfair Loan Terms and Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the terms of a personal loan I obtained from OneMain Financial. The loan has a fixed interest rate of 17.99 %, which I believe is unreasonably high and has caused significant financial hardship. 

Loan Details : - Lender Name : OneMain Financial Protection Bureau - Loan Amount : {$12000.00} - Interest Rate : 17.99 % ( fixed ) - Origination Date : XX/XX/year> - Payments Made : XXXX payments of {$370.00} as of XXXX Complaint Summary : Despite making consistent monthly payments since the loans origination, my current principal balance remains {$10000.00}, with the majority of payments being applied to interest rather than reducing the principal. This creates an unmanageable financial burden. 

Additionally, the high interest rate was not adequately explained when I accepted the loan, and I believe the terms may fall under predatory lending practices, given the lack of flexibility or alternatives offered by the lender despite my attempts to communicate financial hardship. 

I kindly request the CFPBs assistance in addressing this matter and ensuring fair treatment in the resolution of this loan. 

Thank you for your time and attention to this matter. I look forward to your response and assistance in resolving this issue.
Product: Student loan

XX/XX/year> electronically paid Mohela {$300.00} student loan payment XX/XX/year> Received notification from Mohela that my account would be transferred to XXXX  on or about XX/XX/year> XX/XX/year> Received notification that my account was transferred to XXXX- contacted XXXX  to confirm whether my XXXX payment was transferred - it was not XX/XX/year> - called Mohela to locate and transfer my payment- they could not locate it and stated they could take up to 90 days to transfer payment - faxed bank proof of payment XX/XX/year> - Sent complaint to Mohela XXXX they responded that they would look for {$120.00} payment XX/XX/year> - I responded that the payment was {$300.00} and they responded that they would look for my {$300.00} payment XX/XX/year> - I checked on the status of my {$300.00} payment and they responded with and apology that they could not address my missing {$300.00} payment XX/XX/year> - I responded that their apology is not adequate and to locate and send my {$300.00} back to me or confirm transfer to XXXX. Which is why I am lodging this complaint
Product: Checking or savings account

On XX/XX/XXXX, someone stole {$1000.00} from my bank Wells Fargo through a XXXX account. I did not have a XXXX account, never even heard of XXXX account. 
I reported it to the fraud department as soon as I saw it on my banking statement, on XX/XX/XXXX. They said I give my username and password to this person and also my authorization. I have tried three times to get my money back and three times denied. I would appreciate any help you could give me. Thanks. 
Email address is XXXX. mail address is XXXX XXXX XXXX XXXX, NC. 
The person who got the money was XXXX XXXX from Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts listed are all fraudulent account showing on my equifax credit report the creditor agreed to remove these fraudulent accounts but equifax fails to remove the accounts which is causing me financial hardship and breaking credit consumer law. 

XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX
Product: Mortgage

Hello- I am a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by the Veterans Benefit Administration or the " VA. '' Because of this in the state of Illinois XXXX I am eligible for the Veterans with XXXX Property Tax Exemption XXXX Per the law, we waited for one year after purchasing our home to file for this, which we were approved and have begin receiving tax statements indicating {$0.00} balances for XXXX & XXXX. 

We have been working very diligently with our mortgage company, United Wholesale Mortgage ( UWM ) in removing the taxes from our mortgage payment since XX/XX/XXXX, which was nearly ONE YEAR since we closed on the mortgage. I have corresponded via MANY emails through their website, I have spoken to multiple representatives, provided documentation many times to multiple individuals and even spoken to someone in the resolution department. My property has been assessed by UWM multiple times, our payments have been reduced and we received the balance in the form of a check. However, our taxes have not been removed despite following the directions provided by UWM representatives such as submitting a formal request to have taxes removed with a " wet signed '' signature, copies of our tax bills reflecting a {$0.00} balance and waiting for such documents to be processed. Needless to say, we have gotten nowhere despite all of our efforts to have the taxes removed. 

I would like to file a complaint against UWM for not having our taxes removed from our mortgage. Please find the documentation attached XXXX XXXX XXXX
Product: Student loan

I received an email from the XXXX XXXX XXXX stated that they received information about a missed student loan payment. I HAVE NEVER MISSED A STUDENT LOAN PAYMENT. 

In fact, Mohela has withdrawn money from my bank account and has not reflected it on my account. I have been on autopay since the beginning. I have evidence that all my payments have gone through.
Product: Checking or savings account

Someone theft my identity and opened an account with Capital One Bank in my name. Also, the check amount of {$140000.00} under my name was stolen from my Adjuster ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sent from my house 's current mortgage insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my fire damage house repair.