23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a condo in XXXX of XXXX. My initial mortgage company was XXXX XXXX XXXX. My first months payment was in XX/XX/XXXX. I made that payment on XX/XX/XXXX. After that payment was processed ( I can send my XXXX  XXXX bank statements ) my loan was transferred to BSI financial. I set up a reoccurring payment for the first of every month. I got a phone call from BSI stating they are missing my XX/XX/XXXX payment. I informed them that I made that payment to my first mortgage company XXXX XXXX XXXX The assured me this was fine, & XXXX XXXX XXXX  has 60 days to show proof of that payment. So I figured, great they will show proof of payment & this will be handled. 60 days has long passed. It is now XXXX of XXXX. Every single month BSI Financial called me saying my mortgage was 1 month late. I have a payment processed on the first of each month. But since that first XXXX payment hasn't been processed XXXX thinks I am paying off the previous month on the 1st. I spent literally weeks calling XXXX XXXX XXXX to get this handled. No answer. Emails, phone calls, messages left, still nothing. I tried everything I could think of. Then I contacted my lender/realtor. They reached out to XXXX XXXX XXXX  & got it handled. Or so I thought. My complaint is to XXXX XXXX XXXX  & BSI Financial. My credit score has taken a complete nose dive. My credit was excellent before this whole debacle. BSI has ASSURED me multiple times that my credit will get fixed. It still hasn't. They assured me they would get the XX/XX/XXXX payment handled. They still haven't. They assured me I wouldn't get any more phone calls for late payments, they still haven't. I have sent proof of my XX/XX/XXXX payment from my bank statement to both BSI & XXXX XXXX XXXX, still nothing. I sent BSI correspondence between myself, my lender, & XXXX XXXX XXXX stating that this was handled, it still hasn't been. I got the number of a supervisor from BSI. XXXX XXXX XXXX. They are both supervisors at BSI. The first & only time I talked to XXXX she assured me this problem with my credit & XX/XX/XXXX payment would be handled the NEXT DAY. It is now 3-4 weeks later. I haven't received a phone call back yet. I am now calling XXXX every ten minutes  until she answers or calls me back. She has not answered me once. After I finish typing this complaint I will call her again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an investigation into the unauthorized disclosure of my personal information by your agency, pursuant to the provisions outlined in 15 USC 1681i. 

It has come to my attention that you have been furnishing my personal information to third parties without my explicit consent. As per my rights under the Fair Credit Reporting Act ( FCRA ), I did not provide any authorization for the release of my information to any entities, nor did I grant permission for your agency to obtain or disseminate my personal data. 

I am deeply concerned about the potential implications this unauthorized disclosure may have on my privacy and financial well-being. It is imperative that you cease all unauthorized activities related to the sharing of my information and take immediate steps to rectify this matter. 

Furthermore, I request that you conduct a thorough investigation into how and why my personal information was disclosed without my consent. I expect prompt action to rectify this situation and prevent any further unauthorized disclosures in the future. 

Please provide me with written confirmation of the steps taken to address this dispute and the results of your investigation within the time frame mandated by law. 
A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX
Product: Student loan

I am currently a XXXX XXXX  who has outstanding loans from XXXX XXXX XXXX XXXX All of these loans were recently transferred from Great Lakes to NelNet, which is when my issues started. I submitted an Income XXXX XXXX XXXX Application in XXXX in anticipation of the loan payments starting, and I was approved for the XXXX Plan at that time. I was placed in forebearance until XX/XX/2024, and had no issues at that time. The XXXX XXXX was to be transitioned to XXXX, but this was not updated on the NelNet system. Now, I was autodebited {$1300.00}, when my monthly payments on the XXXX plan should be calculated at {$93.00} per the XXXX calculator. I have tried to reach out to NelNet, who have proven to be unreachable. I work XXXX hours a week, and have been on hold for multiple hours every time I try to reach someone through the phone. It seems countless other people have had these issues, and I can not afford the current $ XXXX payments they are charging me, which do not even fall in a normal IDR plan.
Product: Mortgage

US Bank changed my billing address for my mortgage without notice and without my consent to an address that is NOT and never has been my address. Consequently I received no billings or statements of delinquency until I discovered the error and pointed it out to US Bank in XXXX 2015 while doing my taxes. I want all interest and penalties assessed as a result of their error refunded. Please note the property address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( an address which does NOT receive mail ). The correct mailing address is and always has been XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. 
The incorrect address the bank started using for me in XXXX was XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting

I was recently in the market for apartments. i scheduled a showing with a local real estate agent for a local home that was for rent. the agent stated that i would need to fill out a form prior to the showing. i asked the agent if this information would be used to pull my credit report. the agent " XXXX XXXX '' assured me that the information would not be used to pull my credit or affect my credit in anyway and that the form was purely for internal agency metrics. under this guise i filled out the form. in the last week i have been trying to obtain a vehicle loan because my current car was totaled in a accident and i am currently without a car. various banks and loan companies are unable to offer me a reasonable interest rate for a vehicle loan due to the unauthorized " hard inquiry '' placed on my credit report by XXXX XXXX. the way the inquiry is coded on my report makes it appear as if i was seeking credit to any prospective lenders. this inquiry was unauthorized by me and XXXX XXXX had no " permissible purpose '' to place a hard inquiry on my report. I have attempted to dispute this inquiry with XXXX XXXX to no avail via e-mail social media and US Certified Mail. additionally i have opened a dispute with TransUnion and they replied that the real estate agency had " Permissible Purpose '' to pull my report despite me never consenting to any kind of credit pull let alone authorizing a " hard inquiry '' on my file. this fraudulent inquiry is affecting my ability to obtain reasonable financing. I have been harmed as a consumer as a result of this and the agent and TransUnion are in violation of the FCRA. the CFPBs assistance is requested in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resume this issue multiple time with the Bureau and to have the account removed. The Bureau has failed to provid proof and proper verification of the account.
Product: Checking or savings account

I had a Netspend account and the card was stolen and compromised while I was incarcerated. The criminals apparently issued themselves a new card. I found disputes on the charges on the old and the new card because both were related to my account thats been approved the dispute for for the account with the lowest charges and told me, I should be grateful they are giving me anything. Multiple agents have informed me that they are supposed to hang up on me which they have been doing the part I have the dispute number and amount which was denied and I was told by authorize even after I was found to not have authorized charges on the same day within minutes of each other. XXXX agent even told me that she doesnt like XXXX XXXX and she would do whatever she could for me not to get this money and that they dont listen to these calls anyway. my XXXX went almost 30 days past the mark of the XXXX they told me before provisional credit would be granted before they denied it.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from CONVERGENT OUTSOURCING in XX/XX/2016 in  the amount of {$110.00}. First and foremost, I have confirmed that the debt collector, CONVERGENT OUTSOURCING is not licensed in the state of Florida to collect on this debt. Secondly, CONVERGENT OUTSOURCING violated the Fair Debt Collection Practices Act rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to CONVERGENT OUTSOURCING? I have never heard of them, have no written contract with them, and have never received any benefits from them. Yet, CONVERGENT OUTSOURCING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and demands collections payment from me in the amount of {$110.00}. 

Therefore, I am requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that CONVERGENT OUTSOURCING provide me with competent evidence that I have any legal obligation to pay them. I am asking CONVERGENT OUTSOURCING to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET ''  signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof  that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with National Credit Systems that the debt they claim is mine isn't. I have been successful in having this item removed by XXXX. I am still fighting with XXXX  and XXXX. I have contacted National Credit Systems about this debt and they refuse to listen to me.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked these credit agencies to stop reporting these accounts due to identity theft. XXXX, XXXX, and Transunion. They refuse to do so even after providing my FTC identity theft report.
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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Never received any paperwork regarding a debt was owed. Received phone calls every few days stating for me to call the phone number of USCB America. The phone number was spoken and the call ended, no time to write it down, no voicemail to refer to. I notice an active debt on my report according to XXXX XXXX I research who USCB America is. I call and state that I have never received anything in the mail regarding the debt and according to CFPB rules, reading them during the recorded call, this must be done before being on my credit report. She checks my current credit report for an agreed amount of {$1.00}. The person I speak to says it can be disputed for {$170.00} initiation, {$99.00} for the first month and removed after 90 days with a XXXX XXXX  monthly subscription.This is also written in an email sent during the call. Just a dispute, no guarantee of success. So I deny service. During the call, i get a call from my bank XXXX XXXX XXXX XXXX ) about fraud protection. My debit card was charged 3 times. Once for {$1.00} from XXXX XXXX, once for {$0.00} from XXXX XXXX XXXX, and a third time for {$1.00} from XXXX. I allowed the {$0.00} given the amount, I allowed XXXX XXXX ( {$1.00} ) being that was the name I remembered but denied the 3rd ( {$1.00} ) by not recognizing the name, but not USBC America either. Lastly, I asked how long this debt has been on my credit report, she states it had been there for a year, which the medical services from XXXX XXXX are not that old, tho I dont know the specific service they are referring to, i do know ive only been there once in the last year and that was a few months ago. Not a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & No ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. XXXX  states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also statos a consumer reporting ageng can not furnish an account without my written Instructions.

16 U.B.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Gredit Reporting Act
Product: Bank account or service

This would be my response to Northern Trust based on further documentation provided by Northern Trust in response to Consumer Finance Protection Bureau case # XXXX filed by myself XXXX, which was closed, in relation to my ability to perform an accurate accounting of my father 's estate performed by Northern Trust XXXX XXXX XXXX with XXXX XXXX as the executor.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At XXXX hours on XXXX XX/XX/2019, I called Credit Acceptance and spoke with XXXX. She made contact with XXXX. She turned the call over to XXXX and my counselor, XXXX XXXX and I tried to make a payment of {$100.00}. XXXX repeatedly ignored our request to take a payment of {$100.00} telling us that he needs {$250.00} down payment and payments of {$150.00} per month. My counselor explained that it was not in my budget to do so but he continued to threaten legal action. My counselor asked XXXX if he or anyone else could take my payment of {$100.00} and he said no. He would not take my payment.
Product: Money transfer, virtual currency, or money service

on XX/XX/2019 My sister sent me XXXX from her XXXX account that uses XXXX. She used my cell phone number to locate my account. I have had a XXXX account for more than 20 years and I Have been using this cell phone number for about 10 years. When she did the transfer I received a text to my phone saying money was transferred to my account in PNC bank. I DO NOT have a pnc bank account. I don't know where the money went but it did not come to my account. I went to PNC bank and they couldn't help me because they said they could not find an account by phone number. I showed them the text which included the last four digits of the account the money was transferred to.
Product: Credit reporting or other personal consumer reports

Repeated requests to XXXX XXXX, Experian and XXXX to report correct balance on XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

I have XXXX authorized user accounts. These XXXX accounts are my wife 's accounts. The issue I am having is Equifax is removing these accounts. I have called the banks and confirmed that Equifax is removing them. I have to call these banks every month to repost. Only XXXX account out of the XXXX will show up on the Equifax report at one time. I spoke to XXXX on XXXX/XXXX/2016 and they said that they report every month to Equifax. I spoke to a Equifax supervisor on XXXX/XXXX/16. I was told that since my credit report file is large that Equifax does not have enough room to report these authorized user accounts and these AU accounts are being removed. This is not acceptable. This is hurting my credit history and credit score. Equifax said that there is nothing they can do to fix this issue on their end. My credit is not reporting accurately. Equifax needs to fix this. Equifax has basically told me that my credit report is going to keep reporting incorrect information and they will not fix it. There is no dispute number since there is no account to dispute because Equifax removed it. I am including my XX/XX/XXXX Equifax. It lists the XXXX XXXX XXXX Account, XXXX, and XXXX XXXX, and XXXX account, The Equifax report in XX/XX/XXXX has XXXX. The Equifax XX/XX/XXXX XXXX was removed. According to Equifax while we were on the phone the XXXX AU account re-appeared shortly after the XXXX account was removed. This needs to stop. I need all of my wifes AU accounts posting correct on Equifax. XXXX XXXX XXXX and XXXX show up on the other credit bureaus.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XX/XX/year> {$330.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Experian violated FCRA by failing to properly conduct reinvestigations of disputed information on my creditrepot; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. 


Experian has removed accounts that were never supposed to be deleted : 1. XXXX XXXX XXXX - {$8000.00} Report Number XXXX. I never disputed this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a dispute letter to Transunion regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with XXXX Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/XXXX, I have not received a response from Transunion.
Product: Payday loan, title loan, or personal loan

Individual called stating I was approved for personal loan to consolidate credit cards. They misrepresented/ lied about the company who would make ACH transfers in my banking account totaling {$7000.00}. XXXX days later the transfers were fraudulent after I paid the credit companies. I spoke with bank fraud department who did not help me but wanted repayment. I do not have that kind of money retired on SSI. Since then bank threw me out of service and unable to make any payments or bankrupt me. I can not even afford to file bankruptcy now and had to place my mortgage in forbearance plan. Also take a part time job with bad health to stay alive. That hurt. I did file case with police, XXXX attorney general and consumer complaint with no resolve. This all took place in XX/XX/2022.