23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a reverse mortgage through One Reverse Mortgage ( " XXXX '' ). Shortly after I submitted my personal information to XXXX at their office in XXXX XXXX, California, I received noticed that my personal information, including my Social Security number had been breached, and someone in the XXXX XXXX area attempted to use this information to obtain over XXXX lines of credit. I believe One was negligent in its obligation to maintain the security of my personal information and that a member of the processing team allowed this information to be used by a friend or relative to attempt to obtain these lines of credit. The person went so far as to attempt a change of address with the United States Postal Service. This breach caused great anxiety and stress, with many sleepless nights for me, just waiting for another issue to arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year ( XXXX to XX/XX/2018 ), I had attempted to refinance a townhome I own in XXXX XXXX, UT. I was working with XXXX XXXX of XXXX XXXX XXXX, who in turn was " shopping the loans '' with different companies/banks/investors. One of those companies was Angel Oak Investors out of XXXX XXXX, Georgia. The deal fell through as my income has changed, and they were understandably not comfortable assuming the risk. However, they have continued to pull my credit via hard inquiries. I called and emailed XXXX twice regarding this matter who said he will look into with Angel Oak. I have emailed and called Angel Oak and copied my attorney on the emails and have received no response, only continued inquiries into my credit which is needless to say, quite frustrating. Attached is documentation through XXXX XXXX credit monitoring supporting the above information. 





Regards, XXXX " XXXX '' XXXX
Product: Debt collection

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am a victim of identity theft. I tried to dispute this case many times ; XXXX and XXXX have removed Discover account since 2021 but it still report on XXXX report. I also worked with Discover about this case. I have filed police report, FTC complaint and any documents to support this case and hope to the bureaus to remove this case. However, XXXX disagreed and did not remove this account. Therefore, I am filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Product: Debt collection

I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
Product: Student loan

almost two years ago - in XX/XX/year> I filed a defense to repayment claim with the department of education in regards to my XXXXXXXX XXXX XXXX. the defense to repayment claim was filed because XXXX took my tuition money and then kicked me out of college saying I never gave them their tuition money. I have all this evidence to support my claim. In filing this defense to repayment ( DTR ) claim with the department of education, there is the option to have my loans placed in forbearance pending the resolution of my DTR. I checked that box and aidvantage has repeatedly and systemtically failed to place my loans into forbearance, claiming they are never instructed by the dept of education to put my loans into forbearance. I have called both aidvantage and the dept of education countless times and have submitted easily 15 complaints over the last almost 2 years regarding this issue. still, my loans are not placed into forbearance and it is a monthly thing that I am having to deal with this situation when I should not have to. my loans should be placed into forbearance just like they were when I filed my DTR against XXXX XXXX. I have been told by everyone that the only way to resolve this issue is to file a complaint with the dept of education which again, I've filed at least 15 complaints since XXXXXXXX XXXX XXXX Nothing is working and these loans are still being actively pursued by aidvantage.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered parts from an online merchant, XXXX, based in North Carolina, USA. The total charged to my card was {$180.00}, which included a {$40.00} charge for overnight shipping. I received an automatically generated confirmation email from the merchant within 5 minutes of my order. 
On XX/XX/XXXX, I called XXXX and left a message asking for information when the merchandise would be shipped out. I received no response. 
On XX/XX/XXXX, the {$180.00} transaction posted to my PNC account. I also sent an email to XXXX requesting information. 
On XX/XX/XXXX, I sent a message through XXXX to XXXX as I could not find any other means to contact them beyond mailing a letter. I received a generic, automatically generated reply. 
On XX/XX/XXXX, I contacted PNC via telephone to dispute the {$180.00} transaction. 
On XX/XX/XXXX, I received a provisional credit for {$180.00} to my account. 
I received the initial request for information via mail, filled it out with the history behind my attempts to contact the merchant. I signed and faxed the reply to PNC the same day I received it. I believe this was around the XX/XX/XXXX. 
I did not receive any other communication from PNC until XX/XX/XXXX. 
On XX/XX/XXXX, I received a request from PNC, dated from XX/XX/XXXX to clarify the information regarding the date and the exact merchandise I expected to receive from the merchant. I faxed a reply on XX/XX/XXXX with this typed statement : " The merchandise I purchased from the merchant, XXXX, consisted of six ( 6 ) XXXX XXXX XXXX XXXX ( XXXX ). I have received no communication from the merchant that indicated when or even if my item would be shipped, much less when I would receive it. Despite trying to ascertain this information by reaching out to the merchant more than 4 times through voice and electronic messages, I never learned if the merchandise had even been shipped. At this point, 3+ months after the transaction I have received absolutely no communication or logical reason to believe I will ever receive the merchandise that I paid for. '' On XX/XX/XXXX, the provisional credit of {$180.00} was reversed without notification or warning. I only discovered it today when going back through my records. 
The last communication I received from PNC was the written request for additional information on XX/XX/XXXX. I did not receive a notice that they considered the dispute resolved or I wouldve picked up the phone and called them immediately and initiated a XXXX chargeback if they were still in disagreement. Because of PNCs failure to notify me or perform their due diligence I no longer have the option to initiate a chargeback thus I am initiating this consumer complaint. I also have doubts that PNC even attempted to contact the merchant and I am very curious as to PNC 's reasoning for reversing the provisional credit. I am assuming they believe the dispute is resolved but I don't know considering I received no final notification or findings from their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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

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

USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries dated XX/XX/XXXX ( several ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that I did not authorize. Contacted Transunion on XX/XX/XXXX and their customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Resident type Single family ( this is not a valid address ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family ( this a previous family address ) " I have never lived at this address/this is not my form Address
Product: Debt collection

On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion
Product: Debt collection

Gurstel law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from Gurstel Law Firm, I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.
Product: Credit card or prepaid card

Re : Bluebird account ending in XXXX I had an American Express Bluebird account to provide my minor child with a debit card she could use in case of emergencies. 

In XXXX of this year, my regular bank account experienced fraud and a payment to Bluebird was returned. Bluebird immediately closed my account. I really didnt mind because the account was only to fund my daughters card, but I am having the worst time getting the small balances refunded. The Bluebird phone representatives are poorly trained and everyone states something different.

The most recent person I spoke with ( XXXX, Employee # XXXX ) stated that I had to write American express to receive the refund for my daughters sub-account ( XXXX XXXX ). This is after I was already able to receive a refund for my account by making a phone call. After making several unfruitful calls to American Express for less than {$30.00}, it seemed time to escalate this. 

In addition, I received a check from American Express for {$4.00}. However, when I deposited it, it was dishonored by American Express, incurring a {$5.00} fee for a returned deposit. 

All I want to is recoup the XXXX + {$5.00}, plus the approximately {$25.00} in my daughter 's account and be done with American Express. Geez.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00}.
Product: Credit reporting or other personal consumer reports

XXXX disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The COMENITY BANK/EXPRES account with the account number XXXX and XXXX was marked as Charge-off with an identified balance of {$19000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Product: Debt collection

I am not certain how the debt collector has obtained my phone number for collection of a family member 's debt. They have called me XXXX times today alone after I explained that I was not the person they were looking for and provided a different phone number for them to call. They are rude to me when I tell them to stop. I am a XXXX, I ca n't have my phone ringing all day in classes, during study time, etc. It 's distracting and humiliating that my phone number is associated with this debt. They wo n't tell me any details about the company they are from. I know they ca n't give details of the debt due to confidentiality. I feel personally attacked and it has got to stop. This is not the first time this has happened from the same number. I usually do n't answer if it is a strange number, but due to my many contacts through school and networking for my future I do not like to ignore a number that calls with such frequency without understanding their intent. My intention is to stop the calls and return to my life. I am in no way responsible for the debt in question nor do I share a residence with this person. I do, however, acknowledge that this person is a family member.
Product: Credit card or prepaid card

I was notified by the credit bureau that my account with Synchrony Bank ( XXXX ) was closed. After receiving the notice from the credit bureau, I received a letter from the bank saying that my account was closed because of high balances and a delinquent account. There were fraudulent charges on my account which led to the account reporting incorrectly. The bank never contacted me to see if the information reporting was accurate. I should have been given the opportunity to explain. My account payments have been timely and always paid more than the minimum amount due. I feel that my account was targeted and closed based on my ethnicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 alleged fraud or extortion XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} 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: Mortgage

I am writing to formally file a complaint against Mr. Cooper regarding significant service issues and customer support failures that I have been experiencing since my mortgage account was transferred to them. 

Previously, my mortgage account was serviced by XXXX XXXX which sold the account to Mr. Cooper in XX/XX/year>. Since the transfer, I have faced persistent issues that remain unresolved, including but not limited to : Inability to Access My Account : I have not been able to log in to my account on Mr. Coopers platform since the transition. Despite providing the correct information, I repeatedly encounter errors and am unable to manage my mortgage. 

Lack of Assistance from Customer Support : Every time I contact Mr. Cooper 's customer service representatives, I am informed that my account information is " not available. '' No clear resolution or assistance has been provided to date. 

Inaccurate Operational Information : Today, XXXX I attempted to call customer service after verifying on their website that they are open. However, upon calling, the phone system informed me that the office is closed. This is misleading and further adds to the frustration of trying to resolve critical account access issues. 

The inability to access my account, combined with the lack of support and misleading operational information, is causing XXXX inconvenience and stress. It is my understanding that mortgage servicers are obligated to provide accessible and functional account management services under consumer protection laws. 

I believe that Mr. Coopers actions ( or inactions ) may constitute a violation of these obligations, and I would like to explore whether this matter qualifies for legal action or intervention. 

I kindly request your office to investigate these issues and provide guidance on the next steps to ensure accountability and resolution. Please let me know if any additional documentation or evidence is required. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report in which I am unaware of. I also have a collections account that is stated to be mine however, it has been on my credit report for over four years and I am unaware of what it is. I have been disputing with no luck!
Product: Credit card or prepaid card

I paid for an American Express Pre-paid Gift cards on or about XX/XX/2021, in the value of {$75.00}. The had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that they needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed the CEO of AMEX and a representative wrote me an email and said there was nothing MEX would do for selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.
Product: Debt collection

I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Collections West is reporting to all three credit bureaus that I owe them a balance of {$670.00}. I never engaged in any business affairs with US Collections West. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with US Collections West with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.
Product: Debt collection

Called in XX/XX/2022 to make credit card payment on time. Rep processed my payment gave me a confirmation number. Payment evidentially never went through because rep didn't put my correct billing address in bank blocked it. I was never informed of this, by the time I was informed of this it was time for my XXXX payment & my credit score was dropped immensely because of the representatives mishap.