23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My issue is with my current mortgage company Ditech. I recently filed a complaint on how I have tried to reach them several times and now I am seriously delinquent with no options for us. They replied to my previous complaint stating they approved me for the HAMP program and that I declined it back in XXXX 2016. I was never approved for that program because if I was I would have taken it. I just would like resolution and to put my delinquent payments at the end of my loan so I can start making payments and start fresh since no one ever returns calls from Ditech and every week I have a new account representative.
Product: Debt collection

On XX/XX/2023 the letter is dated but I received it on XX/XX/2023 via mail which I disputed. On XX/XX/2023 I received a letter in the mail after disputing the account online with the XXXX credit bureaus. After the dispute I have received XXXX letters from Midland Credit Management and numerous calls ( which I dont answer ). Midland has sent XXXX different letters with XXXX different account numbers which are not matching any of my records nor is on my credit report. The accounts are not mines. I do not owe a debt that is not mine nor reporting to my consumer reports. I also looked up Midland credit management XXXX ID number which is not authorized in my state of residence to collect anything. Inaccurate XXXX info results in a direct violation of the XXXX XXXX, which is something i have been noticing.
Product: Debt collection

hello i reviewed copies of i credit report and i have noticed charges that i did not make or authorize i am a victim of identity theft
Product: Credit card

XX/XX/XXXX : I reviewed my credit card for CareCredit on XXXX XXXX. It stated the account was closed on XX/XX/XXXX. I was never provided a consumer rights that this would be closed due to inactivity. I reviewed the credit card disclosure for CareCredit through Synchrony Bank. There was no information regarding this in the card services disclosure. 

XX/XX/XXXX : I called the Synchrony Contact Center where they stated that they close it without consumer knowledge, spoke with XXXX. I advised, so where is it provided to the consumer to review this policy? He could not provide it and would not go in to more explanation regarding it. He just restated this is what Synchrony Bank does is closes it out with 12 months of inactivity. 

This has negatively impacted my credit at this point and was one of my oldest accounts. My husband has a major medical procedure in XX/XX/XXXX. We were going to use this card for it.
Product: Debt collection

Radius Global Solutions LLC send me a letter asking me to pay debt without showing me the agreement between the debt and the credit card company that they bought the debt from. 
what was written on the letter is as follows Radius Reference Number : XXXX XX/XX/year> Radius Reference Number : XXXX Account # XXXX Account Balance : {$5800.00} Dear XXXX XXXX XXXX, XXXX XXXX, XXXX, the creditor of your account, has placed the above referenced account with Radius Global Solutions for collection XXXX We would like to offer you the opportunity to resolve your account for less than the balance by paying {$1700.00} in XXXX payments over 12 months starting on XX/XX/year>. Each payment must be received within 30 days of the previous payment. If you skip or are late on a payment, we reserve the right to cancel the arrangement. Should you fail to complete the arrangement, any payments made will be applied to the balance shown above. If you need additional time to respond to this offer, please contact us. 
Please note, we are not obligated to renew this offer. Once XXXX payments of {$140.00} and XXXX payment of {$140.00} have been paid to our office on time, a letter will be sent confirming the above referenced account has been resolved. 
Should you have any questions regarding this account, please feel free to call us at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, Pentagon FCU, XXXX XXXX or XXXX XXXX XXXX
Product: Debt collection

Bonneville Collections stated they received my hospital account on XX/XX/XXXX, and then another stated that they received my account on XX/XX/XXXX? I can not receive a solid answer, nor can I get a written statement. 

I was told that all the interest would be included in my account upfront, and no additional interest would be charged. However, I was told by XXXX of their agents today that I am being charged 12 % interest in addition to the upfront charge. 

My beginning balance with the hospital was {$4900.00}. On the Bonneville Collections website, it shows that my beginning balance was {$5800.00}? Fees? Interest? Substantial increase. 

I have been paying on this account for approximately XXXX years ( they will not provide a statement showing my payments ), so I am unsure how I continue to owe more than my original debt. 

Every XXXX months they tell me they need to increase my monthly payment by $ XXXX {$20.00} per month. I am a single parent and have explained I can not pay these increases and ask for an explanation. She stated that if I could not afford these increases, that I should ask family and friends for assistance. 

They will not work with me and continue to harass me on a regular basis. 

I continue to make the requested payments, but it is a losing battle. My payments continue to increase, and I see very little reduction in my debt. 

I am seeking assistance to come to a satisfactory payment arrangement to pay my debt.
Product: Credit card or prepaid card

I sold my XXXX at XXXX & I got {$300.00} on a vanilla gift card, the next day I go to order food and Vanilla card is Declining, I go to check the balance & I put the card info in & It says " A System Error Occurred " I call the number on the back of the card XX/XX/2022 the hold time was 40mins to 1hr, so I waited to call the next morning, XX/XX/2022 XXXX XXXX, I called and talked to a lady & she told me that the card was on hold and all she needed to do was reactivate it & the lady activated it and it worked after that, XX/XX/2022 XXXX XXXX, I try to get an XXXX with my Vanilla card & I saw the same error message from XX/XX/2022 so I already knew it was on hold again, I Immediately called Vanilla & they said the card has been compromised due to fraud, they know what they're doing & everytime I call it's always a foreigner, I never called in about any fraud concerns... they told me they could not activate the card because it had been compromised, so for one they put me card on hold without my consent & they told me I would have to wait 7-10 Business days for a replacement card & I told them I have thing to do so I did not have that long to wait I talked to the supervisor named XXXX & he said he could not activate it, & they had no other solution for me except send a replacement card, so pov I was trying to buy food online and they put my card on hold and said it was fraud even tho I'm the only one in possession of this card & they put it on hold bc I tried to also get an XXXX, and now I have to wait 7-10 days for ( MY MONEY ) I'm now looking into who owns Vanilla Gift Card so I can get what is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am filing a complaint against Portfolio Recovery Associates for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Portfolio Recovery Associates consistently responds within 24 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, Portfolio Recovery Associates actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Portfolio Recovery Associates complies with federal law and provides consumers with the necessary proof of investigation. 

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter ( s ) off on XXXX XXXX XXXX Here is my tracking # XXXX # XXXX # XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i logged into my experian account to notice they have changed how they give out a score. It is now a FICO 8 score and you must pay to see that score. or one is unavailable. This is a major problem as they are reporting to companies that there is no score yet there was. This is a pay for credit program and needs to be regulated especially in the times we are in. This is also in violation of regulation for being able to obtain your free credit credit score from this company when they release it to the lenders you apply with. Adding a pay wall to see a score that they are releasing to lenders is shameful and unethical, not to mention Illegal. 

In the documents you will see how they do not show you your score and direct you to that pay wall to see your score. Also a paywall to get the score added if you " dont qualify for a FICO 8 Score ''
Product: Credit reporting or other personal consumer reports

I already disputed this items multiple times but it still shows negative on my report. Below are the items with discrepancies. I was never late to any of these accounts they paid always on time. I also attached the letters I sent to each of the bureaus. I never received a response or resolutions to any of my disputes. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I submitted my yearly application to both MOHELA and Federal Student Aid to certify new employment. I sent an accompanying letter from my employer stating why my company is eligible as a PSLF employer but was denied by both agencies. I have since submitted a reconsideration request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have not received a response. At the time of my original submission ( XX/XX/year> ), I would have been done with payments from XXXX XXXX XXXX, yet I am still paying, as instructed. I have 4 eligible payments left for my XXXX loans and XXXX XXXX XXXX XXXX XXXX as of XX/XX/year> ). I believe, based on the letter submitted with my application for certification by my employer, that I am eligible for and should be granted loan forgiveness under PSLF rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I disputed several items on my Experian credit report. On my letter, I requested that Experian, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. After several months, Experian has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my Experian credit Report. Experian is in violation of Federal Law under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair creit reporting act, the list of accounts below have violated my federally protected credit consumer rights to privacy and confidentiality under 15 U.S.C 1681 the reporting agencies are equifax and XXXX, have violated my rights. 


account name for XXXX XXXX XXXX  is under XXXX XXXX, account # XXXX 15 USC 1681 section 602 A states that I, the have the rights to privacy.

15 USC 1681 section 604 a section 2. it also states that a credit reporting agency CAN NOT furnish an account without MY written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any iinformation relating to a consumer to any consumer reporting agency if the perosn knows or has reasonable cause to believe the information is innacurate
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 Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been going on for yeas and it's giving me XXXX
Product: Credit card

I bought a TV at PC Richard & Son on XX/XX/24, put it on store credit account to pay off monthly without interest charges, serviced by Synchrony Bank. After first billing arrived from Synchrony Bank, I returned to store on XX/XX/24 and paid in full using a XXXX XXXX XXXX. I received Synchrony Bank 's letter of XX/XX/24 on XX/XX/24 notifying me ( in an enclosed stock letter for mass mailing ) that effective XX/XX/24 the APR will be raised to 34.99 % and penalties will be at 39.99 % I wrote them a letter on XX/XX/24 telling them that their interest rates are usurious in NYS and that any future purchases I make at P.C. Richard & Son will not be using any credit services serviced by Synchrony Bank.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX XXXX  ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 
Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I did not pay student loans in 2019. During this time there was a mandatory hold on student loans as a result of Covid-19. Furthermore, my loans are all on deferment as I was and currently am enrolled in school.
Product: Credit reporting

Transunion stands alone in verifying XXXX ACCT XXXX, A PAID COLLECTION.TRANSUNION VIOLATES FCRA IN ACCURACY OF THE AMOUNT PAID, $ XXXX.THEIR CLIENT, XXXX has violated the XXXX FDCPA of CALIFORNIA in misrepresentation in the course of collecting a debt to collect an illegal service fee of XXXX dollars.IN CALIFORNIA I AM ENTITLED TO DAMAGES from the bureau as well as the collector for XXXX.in addition the attorney general can prosecute criminally. 
I have enclosed the excerpts from the statute as well as the Bureau of Consumer Affairs summary of the CA statute.Transunion aids and abets XXXX with what could be a Rico Act violation in collection of debts changing the amount of legal damages that could be paid to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XX/XX/XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Today XXXX XXXX, XXXX, I received a call from Concord Resolutions Phone Number XXXX. They left me a voice mail with a claim number to use when I contact them. I returned their call never using the claim number. Someone by the name XXXX answered and knew exactly who I was. XXXX recited the last XXXX digits of my social security number and what bank I use. XXXX stated to me that this was a call to collect a debt that I had taken out with his client in XXXX XXXX. XXXX also stated that I had a payday loan with his client XXXX XXXX who was now trying to collect. I asked him when did this loan occur because I have no information about a XXXX XXXX. XXXX them proceeded to state that they ( XXXX XXXX ) was a third party company to my original lender. He also said even if you pay your original lender, the third party has to be paid because the loan is generated from numerous lenders. I then asked XXXX who is the original lender. XXXX stated there was no other lender listed but XXXX XXXX. I then said to XXXX if XXXX XXXX is the third party you have to have information on the original lender. XXXX paused, then stated it was not listed. I stated to XXXX anything I do I receive PAID IN FULL letters from the consumer, so who is the original lender. XXXX then said to me to send him all my paid in full letters, him and his supervisor will go through them and find my lender and remove me from there call list. I explained to XXXX I was not sending him or anyone else my private information. If you do not have the information where this originated from there is nothing I can do for you. He paused, stated he understood and claimed he would be talking this matter over with his supervisor and would be giving me a call back on Friday. I asked to speak with the supervisor and that did not happen. After waiting about ten to fifteen minutes from hanging up with XXXX, I called back and the phone just rang with no voice answering machine to leave a message. I then blocked my number and called back ten minutes later and the phone just rang again with no machine stating who you called or any identifying information that represents a company. I then contacted the consumerfinance.gov who lead me to the ftc. XXXX did n't retrieve any important information. I changed my bank account number years ago so they were not successful in gaining access to that. I also found it weird because Concord Resolutions called my home phone number which is n't on any past papers I filled out because I just changed my number last XXXX. Also I always use my cell phone number as my primary because I 'm more reachable. 
Thank You in advance for letting me state my concerns. I want to help protect others from scams like this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some erroneous late payment reporting with Experian Credit Bureau. Also XXXX XXXX purchased XXXX 2010. This is when the name was changed to XXXX XXXX. But Experian Credit Bureau is reporting XXXX XXXX XXXX.