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

In XX/XX/XXXX I reached out to Transunion about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation File number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in XXXX loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX. 


As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about XXXX years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.
Product: Debt collection

Company keeps hounding me for info about my son. He is XXXX yr. old and has been gone from home over XXXX yr. He lives more than XXXX miles from me. I am not giving info about him to some rude dude over the phone. Told them SEVERAL times, I am on the DO NOT CALL registry. Please help The callers are from FM Alliance.out of Texas.
Product: Mortgage

I called the automated phone system of Franklin American Mortgage to make my mortgage payment of {$1500.00}. The system verified that I was make a payment of {$1500.00} and asked me to verbally confirm by saying " yes ''. After which it said I had authorized a payment of {$2200.00}. With noo indication there was a way to stop it. I did call to get it stopped and found out the difference was from a recent Escrow shortage, but the phone system never told me any of this and I feel it was an attempted bait and switch.
Product: Mortgage

I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. 

Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with Barclays Bank. It is identity theft.
Product: Credit card or prepaid card

On XX/XX/23 ask for a increase in credit and to have my secured account to regular account. When I opened account 5 years ago I was told after 1 year of good payments I could do this, but every XXXX they tell me the same, brhat I can not unsecure the card and will continue secured. This is frustrating as I have a great payment history and have prove myself as a great customer. 

Also they never increase my credit line. 

They always tell me I have no way to appeal ruling too
Product: Credit card or prepaid card

I have auto pay. The charge card company pulled my payment, it posted to my charge card, and then the charge card company pulled it back out, but did not put it back to my checking either. My payment is lost and in 6 weeks of contacting them, nothing has been done. I owe the full amount again. Sams Club Credit just does not seem to care.
Product: Debt collection

I received by mail a letter from Midland Credit Management Inc. that a judgement was entered against me on XXXX/XXXX/2016 for the amount of {$1700.00}. The letter reads that a judgment remains unsatisfied, and that I must disclose my finances to them. I was never served a lawsuit. I have looked up my county records, and see now prior or current lawsuits.
Product: Debt collection

CBE group is trying to collect in behalf of XXXX. In XXXX I filed for bankruptcy and was discharged including the account for XXXX. It remained open till XXXX when I closed it going to a different carrier. I paid my balance in XXXX XXXX afterwards XXXX send my account to collections. Previous request to provide proof of debt owed. I have only received a copy of an old statement nothing to do with the balance they now show. XXXX and XXXX previously were called to provide proof and nothing happened to resolve this collection. This week one of my family members received an email from CBE group trying to collect a debt from XXXX XXXX. I have not agreed with them to use this family members email address. I would like to resolve this issue it prevents me from obtaining a home loan thru FHA assistance, It is also humiliating for me to have them contact my extended family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XXXX XXXX, 2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX. XXXX. and Equifax have 30 davs to respond to my dispute This a violation of my rights.

Receipt and tracking number from United States Postal Service.

Tracking number : XXXX Receipt number : XXXX
Product: Debt collection

After checking my recent credit report, I noticed multiple accounts I think were included without my consent. I request the immediate removal of these fraudulent entries.
Product: Mortgage

XXXXPayment made online. Account was current and XXXX payment was an overage equalling XXXX payment due XXXX. XX/XX/XXXX payment wa {$440.00}, confirmation number XXXX. Payment was applied to principal, not to XXXX amount due. XX/XX/XXXX I called XXXX representative XXXX. to pay remaning XXXX balance of {$440.00}. XXXX took the payment. XX/XX/XXXX payment of {$440.00} -confirmation number was XXXX. I was told the the funds ( two payments of {$440.00} ) would be applied and that XXXX payment was successfully made. As of XX/XX/XXXX my account shows 28 days delinquent and I was assessed a late fee, despite paying entire amount due before grace period.I called Selene finance on XX/XX/XXXX, XX/XX/XXXX and was told the funds were in suspense and would be applied. I spoke to XXXX, XXXX and XXXX ( XX/XX/XXXX ) and was assured by XXXX and XXXX XXXX on XX/XX/XXXX that the payments would be applied and late fee removed. As of this writing XX/XX/XXXX the funds are not accounted for, neither of the XXXX payments made in XXXX are applied to the XXXX balance, and the account shows XXXX days delinquent ', which wrongfully impact my payment history as reported to credit bureaus. There has been no late or missed payment on this account.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2023, a handyman who did some work for me improperly sent me money as a " trade or service '' transaction. We contacted PayPal to get this reversed. We were told he could not cancel the transaction, and my only option was to enter tax ID information into PayPal, to issue him a refund, I would be charged a fee for the $ as a business transfer for XXXX and I would receive an IRS Tax form 1099 regarding the " business '' income for this transaction. 

I did not ask for this XXXX I did not accept this money. I am not a business. this money was sent by mistake by the other individual and now he can not access as well. I want this resolved without entering my tax information, without receiving a 1099 and the charge reversed for the handyman who made a mistake.

How can someone just send $ to another as a trade or service and impose tax liability on another individual? PayPal needs to correct this and allow someone to opt out of receiving funds like this if not desired - and should require approval or other means to decline. Please help me correct this. I imagine I am not the only person who has dealt with this issue and this is unfair to me as a consumer and individual using a service to pay for purchases etc., not to receive funds.
Product: Credit reporting, credit repair services, 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 r
eport 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

Trying to unlock my credit to simply apply for a credit card. XXXX  and XXXX were not great, but Equifax was useless. I have account info from when I locked the account after their security breach, but their online site doesn't like my account info. I requested to reset my password, but got no response from their site. I called the support number, but apparently I could not answer questions about credit cards they thought I used, but they couldn't tell me what info they wanted. I must have guessed wrong about little used credit cards. Now I'm supposed to fax them a letter with my SS card and drivers license so they can verify my identity somehow. I gave them my SS number multiple times and I could have given them my license number if that was asked for. It's going to take 2 weeks for them to validate me once I fax a letter! My data is locked up in their mess of a system. No escalation, the remedy makes no sense, and it could cost me money. Who are they accountable too?
Product: Checking or savings account

I needed to pay a bill so I went into my Sofi banking app XXXX XXXX and logged in and when I did it said my account is restricted. I have called over 20 times, messaged them on social media and email and still have not got my account off restriction or been told why it got restricted in the first place. All of my money in my account is {$5900.00} and its not accessible to withdraw or transfer. 

When I spoke to security team on the phone all they say is wait for my review to be updated however, there is no given time frame and i desperately need my funds to eat and pay my rent.
Product: Debt collection

First Credit Services located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX-XXXX-XXXX ) has a client by the name of XXXX XXXX located in XXXX, Tx. First Credit Services attached a debt to my credit report on XX/XX/2015 I have never in my life visited a XXXX XXXX. XXXX XXXX has my a different date of birth than I actually have. They also have an incorrect phone number and address. Both XXXX XXXX  and First Credit Services have failed to remove the {$110.00} from my credit report. I have tried to work with both  companies and it seems like there is not much more I can do one my own to fix this. I am asking the CFPB to please assist me in getting this false claim removed from my credit report.
Product: Credit card or prepaid card

On XXXX XXXX XXXX Someone fraudulent opened and account with capital one in my name and had it delivered to and addresses that I lived at over XXXX ago, and this was just a year ago my bank contacted me about the fraudulent activity due to the fact this thief had somehow got my banking information and tried to have my bank account linked to this capital one card. When Captial one tried to take a few payments my bank declined because they know I dont own a capital one card. This person even tired to call my bank and act as if they was me, My bank teller confirmed and called me to inform me of the fraudulent activity over the phone as well. My bank then called me in to change my information. I then called all 3 credit companies so I can get updated reports mailed out to me so that I can now track and see what else was fraudulent on my report. I finally received my reports. I couldnt believe my eyes. Ive always had great credit and never applied for a lot of things at once when I received my report I had over 40 hard inquiries from cash loan places none on my reports belong to me besides items that are paid off or paid in full. Only time I apply for credit/loan is every XXXX for auto or maybe one credit card at a time. Like I have right now only ( 3OPEN ) accounts that are in good standing. 
In 2021 when I received my report my life turned upside down, When I seen all the Fraudulent Activity & Over 40 Hard Inquiries that are NOT MINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And so much more With this being said CAPTIAL ONE has been making my life hard for a LAW that they have broken by approving and mailing out a credit card with limit of {$300.00} which balance today is {$620.00} and this has caused so much pain and suffering over a year. That my family and I have been getting denied housing, Loans, Healthcare & Ect its been terrible all because they are unprofessional at CAPTIAL ONE.
Product: Credit reporting or other personal consumer reports

I have sent a dispute letter to Equifax on XXXX/XXXXXXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX NV XXXX Under Accounts, XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. 
XXXX : XXXX, It looks like this account is not reporting the way it should be reporting because it's different on the other bureau reports. Request to correct the inaccurate information immediately by deleting it. 
XXXX XXXX : XXXX, XXXX demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX XXXX XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.
Product: Credit card

I had a credit due on my account {$2300.00} in approximately XX/XX/2023. I requested the credit be applied to my account, sent to me electronically, or by check. I still don't have the credit or check and it is XX/XX/2023. I have spent hours on the phone requesting this check and they have promised it will be mailed and it is not mailed. This company is fraudulent and should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am contacting you regarding Experian reporting practices and how I have been ignored. I have sent countless documents, such as my DL license, FTC reports and more and nothing has been done. I have been a part of several of their data breaches, and also sent identity theft documents police reports, affidavits, you name it. It's like their tactic to wear the consumer down to the point where you become exhausted. I have called them, submitted everything they could ask for and now they ignore my request. I need your help to have those erroneous items removed. I have asked for validation of debts and more and no response. I have attached my DL license once again.
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. 
XXXX XXXX has violated my rights. 


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 or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX XXXX XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. 

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX