23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made an electronic payment for my escrow on XX/XX/XXXX, {$350.00}. I received a letter from Mr. Cooper dated XX/XX/XXXX stating that they were unable to locate my account. I called XXXX multiple times on XX/XX/XXXX and was unable to reach a representative through their virtual phone assistant so then I called XXXX ( refi number for mr cooper ) and reached a person who then transferred me to XXXX in customer service. XXXX stated that there was a digit missing from the account number so the payment was rejected. I then sent in a paper check to the address that XXXX gave me on XX/XX/XXXX for {$400.00} for my escrow ( written on the check ). On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that the funds were received and they were " placing funds in an unapplied funds account ''. I have tried multiple times and ways to reach them this morning ( XX/XX/XXXX ). I can not get through to anyone or leave a request for them to contact me. 
ALSO I tried to register for their credit monitoring since the data breach and that service was unable to process my request. 
I would appreciate assistance.
Product: Debt collection

I am writing to file a formal complaint against SYNCBXXXX regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Product: Money transfer, virtual currency, or money service

There are 2 strange unauthorized transactions on my PayPal account to a foreign account. both are for {$500.00} both are from this morning. I contacted my credit union who says the money has not gone through yet, but that payPal would have to cancel it. PayPal says it will be paid on the XXXX. So when I asked them to please cancel those charges as they are fraudulent, they said they could not they had already gone through. ( Even though it still says right now on the website that it will pay on the XXXX. ) All I know is those are fraudulent. I already filed a complaint with the FTC XXXX I was sent a fraudulent cashier 's check. I'm sure it's all related ( I've been on a lot of job boards and I suspect this all stems from one of those interactions. ) How can I insure that the charges will not be paid and will be cancelled? My bank says they can't do anything because there isn't even a hold on the account yet. but that doesn't mean they won't try to withdraw the funds next week. 

Please let me know how we can fix this mess.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, EQUIFAX, AND XXXX IS IN VIOLATION 15 U.S. Code 1679c
Product: Credit card or prepaid card

My social security benefits deposit on my direct express card every month on the XXXX. This month ( XXXX ) my money deposited as usual, however, it says my card is locked and I can not access any of my funds. I have been on the phone everyday for HOURS trying to get someone on the phone at direct express since the XXXX and can not get anyone to pick up. There are times where I haven held for 3 hours with no response. I am a low income individual and I have bills overdue now because I can not access my money. I need help Now and cant seem to get any from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX XXXX XXXX XXXX letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXX  credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting fraudulent hard inquiries on my credit profile. When I spoke with 4 different agents over regressing this matter. And I was insured that the fraudulent hard inquiries would be removed .its a know fact that my data and personal information was compromised by XXXX  data breach. If this is not fix asap no more then 5 days I will explore my legal options I will be filing a fedral complaint with my states attorney office as well. Trans union has consistently violated my rights of being a victim of identity theft and they wi be held accountable in the court of law if the following unauthorized inquiries is not removed. In less then a week attached to this complaint is documented affidavit from the federal trade.
Product: Checking or savings account

Well the bank always make escuse last time they denied my claim Took them long time To give me answer then they ask to file Police report they denied because they add a transaction that I not mention to them I did the second one it took them almost 20 days to give me result on dispute they only fix 10 they did same thing add something else they told me that they gon na do second review same thing they add atm they told me call them in 2 days and I did that they could find the transaction now they ask me to submit again Im just tired deal with them banker they act mean the one in XXXX Im just asking my money who know what they did with it was large amount money they always take their sweet time Im in real deep deap I own lot money
Product: Debt collection

this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX
Product: Credit card

I was fraudulently charged twice by a merchant on XX/XX/XXXX for {$87.00} and {$91.00}. I reported it to Citibank, and XXXX of the charges was reimbursed, but the other remained pending. In XXXX, the merchant refunded XXXX charge, but the other charge remained and posted in XXXX. I was charged interest every month since XXXX in the amounts of {$2.00}, {$2.00}, and {$2.00} despite the charges being " under investigation ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in XX/XX/2021. I can't get Equifax to update my credit report with my new name. I have submitted the requested documents 4 times ( both via mail and by uploading on the dispute page ) but they are still saying they haven't received the court order. It was mailed with my driver 's license and social security card so it's not possible that they got those but not the court order. I don't want to keep mailing these documents because at this point I have no idea who has them and it would be very easy to commit identity fraud. The XXXX and XXXX have updated this and I just want Equifax to do the same.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00}
Product: Debt collection

I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay. But a notice to request validation. 

Under the Fair Debt Collections Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date your receipt of this request for validation : Name and address of alleged creditor : Name on file of alleged debtor : Alleged account # : Address on file for alleged debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Copy of the contract and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me : Statements related to this alleged cellphone debt because I need to see all charges, payments, credits, etc. to compare this with the contract and see if the amount you are claiming is correct Was this debt assigned to debt collector or purchased? 

Purchased agreement if the debt was purchased so that I can see if you really own this debt : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay creditor : If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Someone add me to his account as an authorized user when I do not want to be added.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX opened a loan of {$10000.00} w/an interest rate of 12.99 % that originated with XXXX XXXX for a home improvement project. In 1 year and 7months I had paid this loan down with XXXX XXXX to {$9500.00}. That's 19 months at {$130.00} a month a total payment of {$2400.00}. XXXX XXXX  then sold my loan to aqua finance in XX/XX/XXXX. From XX/XX/XXXX I have paid Aqua Finance {$130.00} for 33 months that's a total payment of {$4200.00}. My loan has gone from {$9500.00} to {$8900.00} that is a difference of {$660.00} in almost 3 years. With XXXX XXXX the interest fluctuated from $ XXXX {$100.00}. Aqua Finances interest fluctuates from $ XXXX {$130.00}. Why the big swings in interest? Why am I paying an average of {$210.00} a year towards the principle? At this rate I will never get this loan paid off. It is my belief that this company is improperly billing and manipulating numbers and this needs to be looked into. I sent this to XXXX XXXX, Examiner State of Wisconsin-DFI and Aqua Finance responded but there are discrepancies in their documentation. They claim that due to a revolving credit loan I pay a monthly payment factor of 1.25 % making my payment {$130.00} a month that is inaccurate, that was never agreed to and this was the first time I had ever heard that. They also included months of XXXX XXXX payments to increase their principle payment amount in their letter of response to the examiner. There are reviews of this happening to other customers online I am not the only one complaining about the billing practices of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote Experian and XXXX directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.
Product: Debt collection

I was contacted by my employer that my wages were being garnished cause of a debtor Eagle Accounts Group , INC for an unpaid utility bill from XXXX. The collection company started the collection XX/XX/XXXX. They are garnishing my wages for 25 % of my wages for a very old debt. Is there any thing I could do to stop this garnishment?
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking Balance in Account- XXXX XXXX  This Juno financial institution told me that my amount is secured under XXXX XXXX  , I am a XXXX and needed this money for education perspective, now cant even withdraw these funds from my account as all services are blocked such as ACH transfer. I spoke with customer chat agent, they told me they cant do anything and asked me to be patient. Please help as my money is trapped with Juno XXXX XXXX XXXX XXXX XXXX a financial organisation
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to update my personal information on my experian credit file, through mail. They never responded. I tried updating through their website and it will not allow me to. I do not want my mail going to old addresses, ecspecially parcel with personal information or credit card offers. Im worried about identity theft now since my mothers info was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( XXXX XXXX and Experian ) but XXXX came back us unverified and was removed from report. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, 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: Debt collection

After 3 complaints about not receiving a correct payment history almost 3 months after requesting it at the end of a loan, I saw that KiaMotorFinance attached it to their response on the CFPB complaint. It is correct. I am attaching documents ( emails ) from Kia. I do not know if I have paid the correct amount or not. This morning I paid XXXX, more than the indicated amount on the payment history you published as their response. It was in an email sent on XX/XX/XXXX and due XX/XX/XXXX ( see attached ). They say I owe more ( see attached ). I have received no documents stating why I owe more than the XXXX on the payment history, but I paid what the bill said when I verified the payment history I saw published was correct. I asked for this in XX/XX/XXXX when I finally paid the unusual double bill I had been receiving and it said no other ( regular ) payment was necessary. Please examine all three attached documents to see why I am confused. None of the amounts match. I want this over. I want my title, and I want all dealerships to remove me from their mailing lists. Multiple dealerships are sending me emails to get me to come in and buy a new Kia After this horrible experiece, I will never buy a XXXX   car again, and I love my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple credit card services through Goldman Sachs keeps denying my credit card application because they say they cant verify my identity. Ive reached out to all credit bureaus to ensure my information was correct, but they keep saying they cant verify me and keep denying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am reporting ongoing challenges I have encountered while attempting to update my personal information on my Equifax credit report. Despite multiple attempts through various channels, the incorrect information persists on my credit report. 

Here is a summary of my efforts to rectify the situation : 1. Dispute Online : In XX/XX/year>, I submitted a dispute online via the Equifax website to address the inaccuracies in my credit report. 

2. Certified Mail Correspondence : - XX/XX/year> : Sent the first certified letter ( XXXX XXXX Receipt Number : XXXX ) detailing the discrepancies and providing supporting documentation. 
- XX/XX/year> : Mailed the second certified letter ( XXXX XXXX Receipt Number : XXXX ) Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copy of the certified letter sent to Equifax.

- Copy of my ID - Copy of utility bill as a proof of address
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTE SOME INQUIRIES, ON MY ACCOUNT. I DID NOT APPLY FOR ANYTHING AT ANY OF THESE COMPANIES. PLEASE REMOVE INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 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 XXXXXX/XX/XXXX, I WAS PRE APPROVED ON ONE CAR LOAN FOR XXXX XXXX  ON XX/XX/XXXX AND WENT TO THE DEALERSHIPS WITH THE PRE- APPROVED LOAN AND THEY STILL RAN MY CREDIT WITH MULTIPLE COMPANY AFTER I ASKED THEM NOT TOO BECAUSE I ALREADY HAD AN APPROVED LOAN.