23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX  - Account Number : XXXX
Product: Bank account or service

We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.
Product: Consumer Loan

I have an open loan with Lendmark financial in XXXX XXXX XXXX my wife was checking my voice mail over the weekend and the office left a msg on my voice mail that they was calling about my XXXX payment and where they was calling from, this broke the privacy policy, which cause a lot of problem 's at my house
Product: Credit card

I went to work for a company who turned out to be fraudulent. The position they gave me was XXXX They gave me a business bank account to pay off my credit cards, but it turns out they are not the account owners. The problem I have is that my credit card companies accepted the account, even though my name wasnt on it. They zeroed out my balances twice using that account and then when they tried to collect the money from the bank, which was XXXX XXXX, it was rejected. I am now {$30000.00} over my credit limit because the credit card companies didnt verify the account.
Product: Debt collection

I've written and disputed this account with Convergent Outsourcing. I do not know who they are or why they are on my credit. I have never applied for credit with them! They have never sent me anything in the mail, ever! I did some research and found that if they are going to report to the credit bureaus, I have to apply for credit, I also found that I have the right to dispute the debt, which I've done, and they have sent me nothing, ever! I do not believe they are following the laws I've read about such as the FCRA! I think you need to help!
Product: Student loan

On XX/XX/XXXX I received a message from Mohela that my loans were placed into forbearance due to the challenge to the SAVE program. The email on XXXX stated that my loans would NOT be accruing interest during this forbearance. On XX/XX/XXXX, I received a second email saying that my loans are accruing interest during forbearance. The email on XXXX states that I have accrued {$120.00} of unpaid interest despite an interest rate of 0.0 %. 

This is conflicting information, and as I am in the same forbearance period as noted on XXXX, there should be no interest accruing.
Product: Debt collection

I did not received any notices about this alleged debt. They flagged my credit report without notice. They are also not licensed to collect on this alleged debt in the state of Florida.
Product: Mortgage

Mortgage lender is not applying payments correctly - they have sent me several letters demaning a past due amount for missed payments - then explaining that my loan was only paid in part - partial payments were received. once those were resolved then another letter would come demanding payment for payments not in full and that my loan was in default and foreclosure- that I had to pay late fees, attorney fees and reinstatement fees
Product: Money transfer, virtual currency, or money service

I was a victim of the check with no funds and the Bank of American credited the amount to my account and after the scammer 's induction to make me transfer the amount to another account, just 3 days later the bank identified that there were no funds in the check and refused to cancel transfers even though it was a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX US DEPTARMENT OF ED US DEPTARMENT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XXXX XXXX, XXXX Status UNPAID Comments XXXX Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 74 MONTHS Purchased From Sold To Balance and Amounts Balance {$12000.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XXXX XXXX XXXX XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number XXXX XXXX Account Status NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed 6 Activity Designator PAID Terms Frequency MONTHLY Term Duration 120 MONTHS Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$1000.00} Available Credit {$1000.00} Account Dates Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Bankruptcy Reporting FCRA Violation Dear TransUnion, I am formally disputing a U.S. Bankruptcy that is inaccurately reporting on my credit file.

I have never filed for bankruptcy in my life, and this erroneous reporting is causing significant harm to my credit profile. 

There are multiple individuals named XXXX XXXX residing in XXXX XXXX XXXX, and after visiting the U.S. Bankruptcy Court, a court clerk confirmed that the bankruptcy reporting on my TransUnion credit file does not belong to me but to another individual with the same name. Additionally, the clerk verified that the courts do not report to credit bureaus, which means this inaccurate information was likely the result of an error on TransUnions part. Neither XXXX nor XXXX are reporting this bankruptcy, further proving this mistake. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer credit files. This bankruptcy is incorrect and must be permanently deleted from my TransUnion credit report immediately to comply with the law.

I expect written confirmation once this inaccurate information has been removed. If this issue is not resolved within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

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

This XXXX account was deleted in XX/XX/year> due to it being a fraudulent account which was investigated by XXXX and XXXX and was deleted from my credit report. After numerous attempts of providing evidence and identity verification per request Equifax refused to remove this account
Product: Mortgage

Visited new home builder in XXXX XXXX with my wife They say we need a loan prequalification with their preferred lender before making an official bid. 

My wife and i were already prequalified with other lenders but i still followed the rules. 

Now their lender says we are not qualified. 

Other lenders are direct lenders not just a broker. They all give us the green light to buy the home. 

I think this builder is steering us to their preferred lender to make extra profits for their company. 

Company nameXXXX XXXX XXXX XXXX Lender- fairway
Product: Debt collection

I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

didnt receive notice of right to dispute
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 XXXXXXXX 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 an 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: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First up I was never given my interest rate on this loan but once I had a problem than I found out it was 28 % or more and than included coverage for repairs. It was a used car and I didn't even had for a year the XXXX year was a XXXX and I went to a gas station and it started smoking and I had it towed!!! When I got in contact with XXXX XXXX the mechanic called them and he was told what they wanted him to do to find the problem with no guarantee they would pay him and then XXXX XXXX gave me the mechanics they deal with. Had it towed again and the mechanic did what they told him and told him they were not going to pay normal wear and tear!!! He said the mileage was turned back and the engine number was scratched off!!! I than connected them and told them. I than wrote a letter registered mail to pick it up and I was voluntary returning it back to them. They in turn called the mechanic and told him they didn't want it. But he followed their instructions. I than got the attorney General office in DC and while I was on the line their Lawyer said they didn't want and do anything they want with the XXXX. They couldn't make any money off. The attorney General office said the insurance coverage that they had on the car people have had the similar problem and they say the same answer normal wear and tear. I had stayed on oil changes etc... They keep harassing me constantly!!! I want this removed off my Credit Report it's been XX/XX/XXXX and so many days they Report I'm so many days over due!!! It's an illegal practice they are doing. I'm XXXX and XXXX XXXX!!! I don't owe them anything!!! They owe me!!!
Product: Credit card

I have been using lowers ( spelled like that on purpose ) for 21/2 years on a business credit account/w an escrow account on top of that to rebuild my underwater/no equity house. Half way through the project XXXX bank sends me a letter they are lowering my credit from a measly XXXX dollar limit ( I am funding most of this project out of pocket ) to XXXX ( which is just above were my balance currently stands ) with some XXXX excuses about low payments, percentage of balance to credit too high, and account open less than XXXX months. I called XXXX bank about the letter and asked for some real legitimate reasons other than the XXXX they sent in the letter about the credit amount reduction, which the customer service could not supply. I stated they were full of bull, I am paying off the account ( they are not getting any more interest payments out of me ), and rudely told the customer service agent to thank their credit evaluation, decision making team thanks for the service and hung up before before anymore " I am sorry '' spewed from the lips of the customer service agent, and hung up. I have spent roughly {$20000.00} over the past couple of years with these XXXX and this the service and treatment I receive, XXXX '!!
Product: Debt collection

Credit bureaus show that I had an open balance of {$180.00} and the original creditor was XXXX XXXX  XXXX opened on XX/XX/2018. I disputed it but was told it was accurate and my responsibility. I have no knowledge of this. I have never had XXXX  XXXX. I would like to have it removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have a hard inquiry on all three of my personal credit reports that was nor authorized by me and is clearly fraudulent. The company name is : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. In my personal statement included in my credit report, it clearly states that I am a victim of identity theft and that I am to be contacted personally before any activity of any kind takes place including my personal credit being accessed. My credit report has been placed under a credit freeze for this exact reason. I never have done any business with this company of any kind. This is clearly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$15000.00}. I have read that 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 card or prepaid card

Charged on XX/XX/XXXX for service to be performend on XX/XX/XXXX for XXXX on my Chase card. Company XXXX XXXX or XXXX XXXX who charged it has a penalty-free cancellation policy ( 100 % refund XXXX if cancelled 2 weeks before service date. 

We canceled 4 weeks before service date. Company becomes non-responsive, fraudulently charges the card again and then refuses to refund or respond the money. 

XX/XX/XXXX Dispute with Chase. Chase refuses to chargeback the merchant and does not investigate thoroughly even though we have paperwork.
Product: Debt collection

CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

I was notified today via XXXX that a new collection had been added to my XXXX report from XXXX XXXX. I have been disputing this account with the all three bureaus since XXXX of XXXX  with the original creditor on my report Affirm I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from XXXX XXXX about the debt being sold. I do not recognize how and why this account is now reporting on my credit.
Product: Debt collection

In connection to complaint # XXXX, on XXXX I XXXX XXXX XXXX the natural person and consumer rebutted TARGET CARD SERVICES attempt to validate an alleged debt via certified mail. Im giving TARGET CARD SERVICES another chance to lawfully allow me to validate the alleged debt by giving them 7 days upon receipt to respond with specific requested information pursuant to 15 USC 1692g ( see attachment ). TARGET CARD SERVICES received my rebuttal on XXXX. Ive been trying to receive proper debt validation from TARGET CARD SERVICES since XXXX when my initial correspondence was received via certified mail. Its now XXXX ( XXXX days later ) With not 1 piece of evidence of validation being conveyed to me. TARGET CARD SERVICES is currently using stalling tactics by not sending required debt validation information pursuant to 15 USC 1692g ( a ). TARGET CARD SERVICES responded to my initial debt validation request with 1 meaningless billing statement from XXXX showing a charged off account ( see attachment ). That doesnt validate a debt pursuant to 15 USC 1692g. As stated in my feedback response in complaint # XXXX, TARGET CARD SERVICES is in violation of 15 USC 1692 ( a ) for failing to send a debt notice to determine the initial communication in relations to the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 3 ) for failing to disclose my right to dispute the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 4 ), and 15 USC 1692g ( a ) ( 5 ) for failing to disclose the necessary statements in relations to the alleged debt being disputed. Pursuant to 15 USC 1692g ( c ) my failure to dispute the alleged debt should not stand for an admission of liability. Only I the consumer can validate a debt. With TARGET CARD SERVICES failing to give me the opportunity to dispute & validate the alleged debt, Its unlawful to be reporting information to third parties that isnt validated nor with consent of the consumer. Theyre knowingly furnishing fictitious information.
Product: Credit card

i was XXXX  in XXXX  and XXXX XXXX  XXXX yrs in XXXX XXXX i have proof i was just released XXXX early on XXXX  from the department of corrections which means this was in no way me on this capital one account after looking on my credit report i see that someone has had the card and has been using it for years along with fraud bank accounts and multiples fraud inquiries has been added to my credit profile concerning capital one accounts please help me remove this fraud from my report this was not me on this account i attached XXXX photos XXXX of my charges and XXXX of my notice of release from prison
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits this issues align with the recent CFPB findings against Navy federal for similar practices where transactions settled with insufficient balance, despite initially available funds I believe these practices are unfair and request an investigation into my account transactions
Product: Mortgage

Flagstar Bank is the servicer for my home. I have owned this home since XX/XX/XXXX and have always paid as agreed and on time. Under the Cares Act, in XX/XX/XXXX, I deferred my mortgage payment for 6 months with the understanding that my payments would be pushed to the back of the loan. Now that I am able to resume payments as normal, Flagstar required me to pay in full the missed payments during the forbearance ( {$4300.00} ) or my loan would be required to be under review ( which must be approved ) for a complete loan modification which included information such as : my pay, W2, proof of hardship due to COVID-19, my spouses pay and W2 etc. ; all of which I thought was not required or asked under the Cares Act. When I asked Flagstar why this was necessary as my home is USDA, the supervisor stated that the investor for my home would not allow for the deferred payments to simply be pushed to the back of the loan ( XXXX XXXX was referenced as the type of loan, not USDA by Flagstar ). If I knew that my payments would all have been due as a lump sum, this would not have been helpful at all and I wouldnt have wanted them deferred in the first place. I need to understand why my loan was required to go through a complete loan modification and - among several other things - why I was required to show Flagstar my proof of hardship due to COVID-19. To keep good standing with my mortgage, my daughter had to pay the deferred missed payments so that I would not be subjected to a loan modification, which was absolutely not necessary due to the fact that I could resume my normal monthly payments - as I have favorably done since XX/XX/XXXX.