23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was denied a federal loan because a collection agency, XXXX XXXX XXXX, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from XXXX financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.
Product: Debt collection

Good Afternoon. This complaint is regarding report number XXXX that was opened today over the phone by a XXXX or XXXX that I spoke with in the Consumer Finance Department of Experian. XXXX refused to block the XXXX XXXX XXXX that is showing up on my report due to Identity Theft. She stated that my Police Report was not a real report. I called XXXX County Police Department and spoke with an XXXX at XXXX. He stated that my police report is a very real report. He stated that just because it was filed online, doesn't mean anything. He stated that it is just like me coming into the station or an officer coming to my home. He also stated that they are doing all reports of identity theft online or over the phone due to Covid-19 to limit exposure. He also told me that Experian is going against the law by not accepting my report because it is a very real report. He stated that it makes no sense to duplicate the report because again it is a real report. He stated if anyone questions the authenticity of the report they can always call to verify the report number. He told me to consult with an attorney, which I have, and stated that I have options if Experian refuses to cooperate and use the Police Report that I have submitted numerous times. 

I need this issue escalated to a supervisor asap. I have spent so much time on this. It took me calling in, after filing 3 complaints, for this issue to even be looked at and I am not pleased with this issue at all. 

I need the account XXXX XXXX XXXX removed and blocked from my report asap. 

Also, this is a very real report and I am a very real person. I, XXXX XXXX XXXX is filing this complaint. This is a real and legitimate complaint. I called and spoke with XXXX or XXXX this morning XX/XX/2020 and you can pull the call to verify that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Product: Credit card or prepaid card

I am the Power of Attorney for my XXXX year old mother, who is XXXX, XXXX, has XXXX and lives in Alabama. 
In XX/XX/XXXX, a caregiver living in my mother 's house, had himself fraudulently declared my mother 's Power of Attorney. I was unaware of this : the correct legal route is to have the current Power of Attorney removed ( myself in XX/XX/XXXX when he did this ) and have a new POA created. This was not done. This caregiver used a small town southern real estate attorney to make this change. This attorney no longer practices law. 

In XX/XX/XXXX, when I discovered that the POA had been changed, I used my mothers elder care attorney of many years to remove the fraulent caregiver POA and reinstate me, her daughter. I filed a police report with the local authorities about the financial elder abuse aspect of the situation. ( At the time of the fradulent POA creation, my mom was well into her XXXX ). I was encouraged to sue the caregiver who had himself declared POA by mom 's elder care attorney and by the local detective who investigated the case, but because I was living at the time in XXXX, I decided not to. 

When I went to Wells Fargo bank to have the former caregiver removed from mom 's bank account, they informed me that mom had a credit card in her name ( she is XXXX, and completely dependant, so can not use a credit card ). Because only the former caregiver and my mother were listed on the account, I was told I could not have access to any information about the account. ( I did later learn that the credit card has a 22 % interest rate! ) The credit card had, at the time, a {$5000.00} balance which I began paying off in increments of {$120.00} a month from my mother 's Wells Fargo checking account. 

Currently my mother lives in her own home and is cared for by a live-in caregiver ( after the criminal caregiver was removed ) and subsists on her small Social Security stipend. This year, as her financial agent, wanting to keep mom at home and to be able to continue to pay caregivers, I had to make tough financial decisions. I went to the local Wells Fargo office and spoke to XXXX XXXX, Branch Manager in XXXX XXXX, AL. I described the situation to the branch manager and told her about XX/XX/XXXX Code of Alabama Title 38 - PUBLIC WELFARE Chapter 9E - Protecting Alabama 's Elders Act which has a section about elder financial abuse. XXXX XXXX created a case # ( XXXX ) and directed me to call a Wells Fargo executive ( XXXX XXXX XXXX who, I was told, was in the highest level of Wells Fargo Executive offices in XXXX, OR. XXXX XXXX was completely not receptive to the elder abuse aspect of the situation and told me to continue paying on the account. I stopped the automatic withdrawal payments and have not been paying on the account since the beginning of XX/XX/XXXX. Now I am receiving daily calls from Wells Fargo ( my mom 's phone number has since been disconnected to save money, so they are calling my personal number ). 

Given the original amount of the credit card balance has been paid, I'm requesting the remainder ( interest and fees ) be forgiven.
Product: Money transfer, virtual currency, or money service

XXXX XXXX person tried to transfer money fro my bitcoins account remitlly is the name of the company no ones a wants to talk to me the person name XXXX XXXX thats trying to transfer
Product: Debt collection

XXXX XXXX {$640.00} I called ask for delete and told them it was not me!! Company name is professional credit MA
Product: Mortgage

A few years ago I had issues with Chase, my mortgage company. I came home to a sheriff sale paper on my door. I called Chase only to find out I was XXXX payments behind! That blew my mind. I went on my bank account because I had electronic withdrawal directly to Chase, and I found my payments were sent to Chase. So I called the bank and they said the payments are marked as paid! {$10000.00} paid but Chase claimed they never received anything. And then I noticed payments had stopped being withdrawn after that. Im was not one to check my account all the time. Never received one late notice or a phone call stating I was even one payment behind. I had to get a lawyer for a modification in order to keep my house, which I had received after a long go around with Chase. Only to find out I got nailed with a {$43000.00} penalty because of the late fees, interest, etc. which would have to be paid if I were to sell my house or pay it off, on top of paying off my mortgage payments. I had struggled since then to get back on my feet. This is why I am looking for help a few years later. Nobody can tell me what happened to the {$10000.00} they " never '' received that started this nightmare in the first place. I have my bank statements stating it was paid to Chase, but my lawyer was just worried about the re modification and not helping with all the money I paid that someone received and was never accounted for. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

Dear CFPB Leadership, I am writing to express my concern regarding the inadequate security measures currently provided by the three major credit bureausExperian, XXXX, and TransUnion. These organizations, which store sensitive and critical financial information on nearly every XXXX, do not offer the level of security consumers should reasonably expect to protect their accounts. 

Shockingly, not all of these bureaus even offer basic two-factor authentication ( 2FA ) via SMS, let alone more secure options like authenticator apps ( e.g., XXXX XXXX XXXX XXXX ). In cases where SMS-based 2FA is available, it is often difficult to locate and enable. This lack of robust security measures is unacceptable, particularly given the severe consequences of unauthorized access to credit reports and the growing threat of cyberattacks such as SIM-swapping and credential theft.

To address these vulnerabilities, I urge the CFPB to consider drafting and enforcing policies that require credit bureaus to : Implement and offer 2FA options through authenticator apps in addition to SMS-based authentication.

Ensure that all consumers can easily access and enable these security measures, with clear and transparent instructions.

Standardize security practices across all credit bureaus to provide a baseline level of consumer protection.

It is unacceptable that companies entrusted with such critical data remain behind the curve in adopting modern security practices. These changes are urgently needed to safeguard consumers and prevent further erosion of trust in the credit reporting system. 

I respectfully request that the CFPB prioritize this issue and take decisive action to enforce stronger consumer account security standards for all credit bureaus. Thank you for your attention to this important matter, and I look forward to your response.
Product: Consumer Loan

I applied for a debt consolidation loan with the Lending Club on XXXX XXXX, 2016. I was called by a representative of the Lending Club on Saturday XXXX XXXX to confirm my application and personal information. The representative told me the loan terms were : {$16000.00} at an APR of XXXX %, {$330.00} per month for 60 months. My loan was approved on XXXX XXXX ( Loan # XXXX ) and the funds of the loan were direct deposited into my checking account on XXXX XXXX. However, only {$15000.00} was deposited. I immediately emailed the XXXX XXXX and asked why only {$15000.00} was deposited in my account. The loan documentation was not available until the loan was funded and there is nothing in the documentation that indicates the origination fee that would be charged. On XXXX XXXX I spoke with a representative of the Lending Club to claim a lack of notification about an origination fee. At no time did I receive notice by phone or in writing regarding the amount ( if any ) origination fee that would be assessed prior to the funding of the loan. I specifically asked the representative that called me on XXXX XXXX about the terms of the loan. There was no mention of an origination fee. Even after complaining about the fee on XXXX XXXX, I was not told of a right to rescind the loan and return the money ( I was within the 3 day window ). I believe the Lending Club violated the " Truth of Lending Act '' ( TLA ) by not providing adequate notice of all fees before the loan was " funded ''. Not having all of the information ( even after I requested it ) before the loan was funded is a clear violation of the TLA. This loan was fraudulently funded.
Product: Debt collection

Midland Cred at XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of { {$620.00} } the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I received a letter today XX/XX/year> from a letter claiming to be from " Transworld Systems Inc. '' with listed phone number of XXXX. The letter claims they are a " debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. '' It lists an amount that I had paid to XXXX ( confirmed with them today that the amount was paid in full ). I was charged this amount by XXXX only after I had closed an account with them less than a month ago ( XXXX days ago ) and switched to an account also with XXXX but under my name. I received no email notifications about this amount due, only letters via mail, and paid these in full via check immediately when I received the bills. I naturally could not pay my bills online because my account had been closed. All of my payments to XXXX have been on-time and in-full and have never had any problems with late payments, with anyone, ever. When I called the number on the debt collection letter and explained to them the amount was paid and that I didn't know how to proceed, the company couldn't provide me additional information but instead immediately transferred my call to XXXX. 

The phone number does not appear to be associated with Transworld Systems Inc. on their website.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Debt collection

Thank you for addressing my concerns. 
XXXX  XXXX College college continues to use aggressive along with scare tactics to collect a debt. The Representative refuses to disclose name and location. As the conversation continues, the company uses harsh tones, wants payments up-front, and continues to compromise my credit score along with creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information being reported to XXXX XXXX and XXXX XXXX XXXX XXXX 's.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, my Bank asked me to unlock the freeze so they can access to my credit check to finish my line of credit renewal. I unlocked online but they weren't able to access still and Equifax told my back that I need to call to resolve the matter. So I called on XX/XX/2023. The representative XXXX assured that she unlocked on her end and there shouldn't be any problems now. But was not able to tell me why she had to do that this year as every year when I was able to unlock on my end from my online account. My bank tried again and wans ; t still working and Equifax told my bank I need to call again. On XX/XX/2023, I called again and this time XXXX asked that I need to send a copy of my social security card and current driver 's license via XXXX and also I have to call back to confirm they got it. He sent it via email and I sent the documents shortly and got an email confirmation that they received it. I called to confirm and put on hold over 30 minutes and got disconnected. as my back still don't have access, my bank and I did a conference call to resolve the issue on XX/XX/2023 at XXXX XXXX. the supervisor XXXX stated it is their policy I have to call back " the office of Consumer Affairs '' again to discuss and assured that she is leaving a not to on my file so it will be resolved then. Otherwise, there is nothing she can do and there is no one above her to resolve this. So I called back and " XXXX '' told me they don't have the documents that I sent on XX/XX/2023 and I need to resend them. Told her I have an confirmation email that you received them and I feel very unsafe now where the sensitive documents are and since she doesn't know I don't want to send again. She said there is no other way around! Each time I call it takes over 10 minutes to get to someone and each time no one seems to have an answer to the issue. Asked to speak to the manager so we can solve the issue but " supervisor '' XXXX said there is no one else except her, who can't help the issue other then I call back the same number and go through the process again. even though she promised this matter should be resolved when I call back, it didn't. where do I go from here? that is why I am contacting you for a help! so my bank can access to my credit to renew my line of credit, which I need urgently to run a business.Please help!
Product: Debt collection

My social security was stolen to open a fraudulent account in my name without my permission. I filed a Identity theft report and contacted XXXX XXXX XXXX and the credit bureaus. The account was removed from the credit report and the company XXXX XXXX XXXX sold the account to LVNV Funding. I have contact both parties to remove the fraudulent account from my XXXX credit report.
Product: Credit card or prepaid card

I was scammed for XXXX. Financial institution investigated and denied refund of money.
Product: Payday loan, title loan, or personal loan

I started a hair treatment, with the XXXX company of XXXX FL, with a total cost of {$4500.00}, I spent about 8 months paying the bank lending club that was the bank that approved my credit, for the treatment, I paid the bank XXXX dollars a month, but because the treatment does not worked and the fall of my Hair got worse with the treatment provided by XXXX, I withdrew from the treatment. Lending club paid the entire treatment XXXX dollars to XXXX at the beginning. Now I owe the bank a total of XXXX dollars, despite having withdrawn from the treatment which I consider I should not pay for lack of results and not having a guarantee of satisfaction. I have made a total of 3 bank disputes, which have been denied to me by the bank, they tell me that I should pay him so he is not receiving treatment, since XXXX XXXX refuses to reimburse the balance due to the bank. I urge you to help with this problem, as I find it absolutely unfair to have to pay for a product that did not work for me and that I am not currently receiving, so I will retire in XX/XX/2017. But Lending Club insists that I must pay them. please help me I'm desperate and nobody gives me definitive solution. I thank you in advance for your good offices for my problem.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes and FTC report regarding this fraudulent item ( XXXX XXXX ) on my credit report that dont belong to me. I do not have a record of doing business with this company. I'm reaching out regarding this fraudulent item and for assistance to remove it from my credit report immediately. This account is not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

My complaints : 1 ) JP Morgan Chase described our home loan as a traditional mortgage loan when they turned over our home loan accounting records from XX/XX/XXXX - XX/XX/XXXX to CFPB on XX/XX/XXXX. Our loan papers clearly document that our loan was taken out under the Texas Home Equity Instrument that we signed on XX/XX/XXXX with XXXX XXXX XXXX XXXX. 

2 ) At that time, we had more than {$360000.00} in our home. The Texas Home Equity Instrument required that our payments be applied to principal and interest first and late fees always last. Many payments we have made on our loan were not recorded or misapplied to late fees after Washington Mutual Bank took over our loan in XX/XX/XXXX. 

3 ) Multiple payments made by cashier checks as well as payments made in 2 Ch XXXX Trustee cases were never credited in to our mortgage loan nor payments that were returned to us by Washington Mutual. 

In conclusion, it appears that J P Morgan Chase appears to fabricate the accounting record that stop in XX/XX/XXXX when Washington Mutual sent the Texas paper mortgage records to XXXX from XXXX and the paper records never arrived at the XXXX storage facilities. Since I have the original paper mortgage records, and we are are currently battling over inaccurate accounting records, JP Mortgage 's falsifying accounting records helps our case but other home owners should appreciate the pattern demonstrated here