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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC RPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account which do not belong to me or were opened without my permission. 

CAPITAL ONE XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I previously opened complaint # XXXX, but it has not yet been resolved. In Aidvantage 's response, they write : " Typically refunds from the U.S. Department of Treasury can take up to 4-6 weeks. In reviewing your call into our office on XX/XX/2022, we confirmed the agent did advise the refund amount of {$15000.00} as well as the correct time frame of receiving the refund would be 4-6 weeks '' It has now been 7 weeks since I requested for a refund of my balance of {$15000.00} per the CARES Act, yet a ) my balance in Aidvantage and XXXX has not yet been updated.
Product: Student loan

Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote these companies several times about the XXXX XXXX account reporting open on XXXX but closed and charged off as bad debt on TransUnion. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally submitting a complaint regarding multiple inaccuracies in my credit report due to identity theft and fraudulent activity linked to the Equifax data breach. My personal information, including my birthdate, legal name, and address, has been misreported, and fraudulent accounts have been opened under my name. These errors have caused financial and emotional distress, requiring significant time and resources to resolve. Despite my efforts to correct these inaccuracies directly with Equifax, the issues remain unresolved, negatively impacting my credit and financial stability. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request the immediate removal of these fraudulent accounts, as they were not authorized or initiated by me. 

Additionally, I demand that Equifax promptly update my personal information to reflect my correct birthdate, legal name, and address to prevent further harm. The presence of fraudulent accounts and incorrect personal details on my credit report is a direct result of the Equifax data breach, for which I have already suffered undue financial hardship. I urge the CFPB to intervene and ensure Equifax complies with federal law by investigating and permanently correcting these errors. I have attached supporting documents, including my driver 's license, to verify my identity. I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report.
Product: Mortgage

RightPath, an affiliate/subsidiary of Nationstar Mortgage LLC , services a loan on a house I own. RightPath keeps saying the insurance I have on a property is inadequate, even though I've purchased more insurance and notified them of the purchase. The letters and emails keep coming. 

My complaint is that there is no way to get in touch with this company. There is no option to speak to a representative. Even the online chat fails to summon a response. 

I worry that Nationstar is going to make me buy more insurance on this property THROUGH THEM AT AN EXORBITANT RATE. Given the CFPB settlement with them in 2020, this fear doesn't seem unreasonable. 

Dealing with this company is exasperating. I wish they had never purchased my loan, and I pray that they sell it. How can you run a consumer mortgage company that offers no point of contact?
Product: Credit card or prepaid card

I took advantage of offer of deferred interest from XXXX when purchasing a product, they had a store credit card at time with Comenity Bank. I returned many products, XXXX informed me in writing that they had " credited my account '' yet they failed to issue the credit to my comenity bank card, my ONLY account with them. Now they are saying that I had huge credit with MY ACCOUNT, but only one I could access or knew about was my Comenity acct. The two companies have stopped working together, and when Comenity did not see my credit, timely, they put all interest, finance charges and late fees back to balance on my card. XXXX claims it is too late to fix their mistake for not issuing credit to acct when it was issued, but timing is everything with deferred interest! They still owe me money, to this date, I told them to issue me refund and I will use that refund money to pay the interest and penalty charges with Comenity, even though those funds really belong to me, yet XXXX refuses, saying they will only offer me more merchandise for what is owed! So, Comenity is charging me over {$1400.00} in deferred interest, finance, late fees that I should not owe, save for the XXXX error, they are ruining my credit by reporting me late each month, for not paying this money they are extorting, and XXXX admits to mistake, but refusing to do anything to inform Comenity I should not have to pay deferred interest, they refuse to refund me more monies they still owe me, and my XXXX XXXX is now ruined ( XXXX ) due to each month this outrageous amount of fees and interest is being reported as late payments! Comenity refuses to acknowledge problem and just tells me to pay or they continue ruining my credit! .In XX/XX/2020 XXXX recognized another mistake they had made charging my Comenity account for something I had paid for using credits, and they sent the credit to Comenity 3 months following their breakup, but now that I need them to do the same, they refuse saying they can't issue credit now that they don't work together any longer. XXXX should be charged with a crime for doing things like this, comenity Bank is just taking advantage of me like a " gotcha '' and I am left paying a huge price for doing business with both of these companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting account incorrectly stating invalid account # stating a balance of {$190.00} reporting incorrect day last reported, date last active and missing data on date of last payment. Stating account as being a Installment when true account type was checking account. There is no possible way that there can be a balance when I never borrowed money from this creditor. 
XXXX is reporting perfect payment history with one charge off on XX/XX/XXXX. This is not possible! Yet, missing data on date last payment. Account has been reporting a balance of {$190.00} since XXXX it is XXXX an account is still reporting a balance of {$190.00} with payments up to XX/XX/XXXX. If account is reporting payments up to XX/XX/XXXX the {$190.00} shouldve been paid off by now. Account is a total mistake delete immediately.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX  CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to Experian, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to Experian, XXXX, and XXXX, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.
Product: Mortgage

On XX/XX/XXXX my husband and I entered into a contract with Pulte Mortgage for a new construction home in XXXX, FL. The home was scheduled to be completed in XX/XX/XXXX but was actually completed two months ahead of schedule, in XX/XX/XXXX. Pulte Mortgage denied me the financing on XX/XX/XXXX because I did not qualify for the home ( I was in the process of saving the required funds to close and also trying to rent out my condo to comply with their request since they were counting the rental income to qualify me for the property ), yet they refused to return my {$2500.00} earnest money deposit. Despite various phone calls from me, my real estate agent, and a written letter from my attorney demanding that they return the deposit, we were unsuccessful in obtaining our {$2500.00} deposit returned to us. It hardly seems fair that Pulte Mortgage initially approved us, then denied us at the last minute and sold our property to someone else at a much higher price when we complied with everything they asked of us. All I want is for them to return my {$2500.00} deposit since they did not give me enough time to qualify for the home, they denied me, and they cured the situation by selling the property at a much higher price than what I was supposed to pay ( I had received a pre-construction price ). Given the fact that they pushed the closing two months ahead of schedule and they were able to cure by selling the property to someone else they should have released my deposit back to me since we did everything that we could and really wanted to buy the home. Please investigate their practices and demand that they return the {$2500.00} deposit to us. I had almost given up when I was recently made aware of your organization and that I may still be under the statute of limitations to receive consideration for our situation. Your assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past XXXX. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.
Product: Credit card or prepaid card

In late 2018 I was traveling on holiday. My wallet was stolen and my primary Credit Cards were taken. As such I had to use my Wells Fargo Credit Card, which i rarely use due to the rate and the service. When I received my XXXX statement, i was shocked to see i was XXXX over my limit. I was also shocked to see I had missed a payment. When I called the bank, the banker informed me my statements were now being sent electronically. I did not request electronic statements and rely on the paper statement as a way to make payments. This has happened many times over the years. 

While Wells allowed me to transact - i was required to make the full payment. I am fortunate that I have the reserves to pay a huge one time payment. I know most consumer can't cover a {$400.00} unexpected expense. I asked why they continued to approve my purchases, why they never sent me text messages I had enrolled in, and why they never tried to contact me about being past due. The response was " because you are a good customer ''. I of course immediately paid the full amount due over the phone. But when it came to helping me as a customer, the answer was basically " no ''. 

Wells Fargo can/does send me daily emails on marketing materials, and does send me alerts of every fashion on my other accounts. I don't understand why they would allow this to occur and give no recourse to the situation. They refused to refund the late fee, ( I have never had a late payment in the last 20 years ), they reported the late payment to the credit reporting agency. I asked them politely to correct the reporting and they said no. They required I make a XXXX payment immediately or risk further damage to my credit score. This seems very deceptive and unfair. As I stated, I am lucky i can afford to resolve and that i have perfect credit - but what happens to most consumers in this situation? 

I called today to close all of my accounts. I currently have a mortgage, personal loan, personal line of credit, a credit card, two checking accounts and a savings account. I was directed to go " talk to a branch '' and see what they could do. 

I think the practice of allowing a customer to go grossly over their limit - just to report it as a negative on their credit report and create a very large payment due is unfair. They have many ways to contact me and choose not too, and should have simply declined my card purchases. This treatment has created fee income and adversely impacted my good credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was scammed to send {$500.00} for a " work from home '' job offer. 
JPMorgan Chase refused to reverse the fraudulent transfer with XXXX. Regulation E is supposed to also protect those type of transactions, but JPMorgan Chase is refusing to dispute the transaction.
Product: Checking or savings account

Overdraft fees being charged and ATM fees being charged twice
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card not monitored by your agency. I have a decrease of <70 on my Fico Score. 
Please review :. All other monitoring system have updated there systems to include XXXX XXXX XXXX credit Card which has vanished from your system. 
XXXX XXXX Member ID XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$1000.00}, Tk. XXXX ( fee {$4.00} ) via Remitly to my visiting brother in XXXX because of their competitive rate for up to {$1000.00}. My 1st attempt to send money was cancelled because my bank decline for verification. I chatted ( chat is open for transaction is progress ) with one of their rep who asked me to reinitiate transfer again, and I sent again. This time, I verified with my bank, and it was delivered on XX/XX/2020 via Remitlys agent bank XXXX  XXXX XXXX XXXX  to my brothers bank XXXX XXXX XXXX. However, XXXX agent bank XXXX recalled the funds on XX/XX/2020 stating it is a duplicate payment. According to my brother statement there is only one payment from me on XX/XX/2020. My brother, XXXX XXXX, received another Tk. XXXX on XX/XX/2020 from another sender name XXXX XXXX. However, Remitly agent XXXX or XXXX XXXX XXXX did not explain duplicate payment from me XXXX XXXX. 
I tried to contact Remitly on XX/XX/2020 but found that their email, phone and chat is NOT AVAILABLE due to COVID-19. This was suspicious to me that email too was unavailable. I replied to an email from Remitly on XX/XX/2020, stating the situation. I got an response that email is not available. 
Now, I have no choice but to report this to authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter a month ago, I honestly don't believe Experian did a real investigation because by law I have the right to exclude what I want from my credit report because The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, XXXX said ANY card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction in my dispute letter.
Product: Debt collection

On XX/XX/XXXX Ad Astra Recovery took {$300.00} via an unauthorized postdated check from my SSI Representative Payee account for a 3 year old debt I have with Speedy Cash. Ad Astra Recovery has never contacted me regarding the Speedy Cash account and the last correspondence I received regarding the Speedy cash account was an email from XXXX XXXX XXXX dated XX/XX/XXXX. There is no record of a judgement against me with the court, and I never authorized Ad Astra to access the bank account or to use a postdated check. Not only did they take funds from an account containing 'Federal Benefit Payments ' they did so without getting a court order or judgement.
Product: Debt collection

In 2013 I moved out of my apartment where I had XXXX XXXX XXXX. I sent the equipment I was using back via prepaid shipping labels that XXXX provided me. Not long after they attempted to the claim the equipment was 'never returned '. I argued this point with them originally and they agreed back then and backed off the issue. Fast forward to this weekend and I have a fraudulent derogatory mark added to my credit by 'XXXX XXXX XXXX ' in the amount of {$380.00}. This is absolutely fraudulent and attempt to derail my near perfect credit between two corrupt organizations. I 've heard of this exact same tactic being used on many individuals via online research. I want this removed from all three credit reports immediately and both of these companies should be pursued with legal action!!!
Product: Credit reporting, credit repair services, 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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit card or prepaid card

On XX/XX/21 I attempted to use my open-end Citi Credit Card pursuant to 15 U.S. Code 1637 and my purchase was declined. I logged in to my online account to find that Citi Card had taken an adverse action ( 15 USC 1681a ( k ) ( 1 ) ) against me due to information they received from XXXX ( a consumer reporting agency ) without my written consent by lowering my limit causing my purchase to be declined. In the process of this happening I've also realized that there is a billing error according to 12 CFR 1026.13 in regards to the amount I allegedly owe pursuant to 15 U.S. Code 1692e. False or misleading representations. I feel like this is something that needs to be investigated, because if it has happened to me, it has most likely happened to many other consumers. I was using my open-end Citi Card as a consumer for personal, family, or household purposes and should not be penalized for doing so. I don't believe XXXX has provided Citi Card with fair and accurate information which is what the banking system is dependent upon according to 15 U.S. Code 1681 and this has caused me XXXX brought on XXXX XXXX  and has XXXX  my character.