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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 1. XXXX XXXX XXXX XXXX KY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, Kentucky XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 
Thank you, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After applying for a Mortgage, my Lender and I noticed late Payments on paytomorrow account. I filed over XXXX disputes with experian from approx XX/XX/XXXX thru XX/XX/year>. Each time coming back as being reported accurately. And XXXX XXXX to Credit Report. Finally got a Operations Manager to provide me with a letter stating the account as being reported by Experian was not reflective of the information they have on file and actually account was never late and paid in full early.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous requests with Transunion Credit Bureau to remove fraudulent inquiries on my credit profile after reporting that fraud has happened under my name, the inquires to this date have not been Deleted. According to the FCRA, Transunion had violated my rights as a consumer and Im requesting legal action to remove all inquiries from me account, minus XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Product: Checking or savings account

Closed a CD account in preparation of hurricane Ian to have funds available in case of natural disaster as our area was in the path of the hurricane. I was charged early withdrawal fee of around {$1600.00}. Called the company several times asking them to get reimbursed for this fee.
Product: Mortgage

I refinanced my home loan with Better Mortgage Corporation in XX/XX/2021. Better Mortgage Corporation told me to pay my monthly payment to TXXXX XXXX XXXX and I made my payments to The XXXX XXXX. I made my XXXX mortgage payment to XXXX XXXX XXXX  on XX/XX/XXXX. I received a notification from Better Mortgage Corporation that my monthly payment after XX/XX/XXXX should be made to a company called XXXX. Better Mortgage Corporation agents told me on phone and via email that the payment will be taken over by XXXX XXXX and that I should create an account on their site and make all my monthly payment starting XXXX to XXXX XXXX. So I haven't missed any payment and I paid the correct amount to the XXXX XXXX XXXX. But now when I log in on XXXX XXXX website, it shows past due payment for XXXX. After waiting for hours on phone to speak to the payment company, they wouldn't help and they told me to contact my mortgage lender Better Mortgage Corporation. Better Mortgage Corporation is trying to charge me TWICE for the XXXX month. I have emailed and called Better Mortgage Corporation many times and I have emailed them proof of my payment for XXXX but they have been unhelpful. I believe they are committing fraud and trying to scam me.
Product: Mortgage

I am submitting this complaint because I dont understand why Wells Fargo Bank keep stating that I am not eligible for the XXXX class action lawsuit when I had problems with the bank dating back to XXXX with mortgage loans and heloc loans. We have tried numerous times to get Wells Fargo Bank to acknowledge our complaint and claims that we have submitted via the CFPB report. Here are the accounts that we have been trying to get help with # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX, this is getting worse every time we submit our complaint Wells Fargo Bank refused to address the problem or answer the complaint. They keep changing the accounts numbers.
Product: Mortgage

XXXX mailed check for {$750.00} for XX/XX/XXXX payment. .. On XX/XX/XXXX mortgage company cashed check for {$450.00}. Ive made numerous calls to mortgage company since XXXX no one can tell me or explain what happened & why. Today I call again an automated payment claims I made a payment on XX/XX/XXXX for {$0.00} & owe {$750.00} for XX/XX/XXXX. 
Please help as someone altered my check & now mortgage company claims I owe the full XXXX payment.
Product: Student loan

I have XXXX payments on my student loan. It is one consolidation loan with XXXX part, sub and unsub. I was told me Dept. of Ed that I have exceeded the time needed in repayment for forgiveness. I was also told by EDFinancial the same thing. I have email from both saying this. I am in the XXXX payment plan. However, I am eligible for the XXXX program. I meet all eligibility. I requested to move from XXXX to XXXX back in XXXX of XXXX. I was told by ED Financial they can not process my application because I have already met the number of payments required for loan forgiveness. There is no court case, federal rule, or law that prevents a student from moving from one payment plan to another based on the number of payments they have been in repayment. Every federal or servicer website encourages students to look at all factors and determine which payment plan is best for each of us. It also says we can switch plans. I applied through XXXX and ED Financial blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute XXXX Texas Attorney General Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take XXXX 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

I applied for financing through XXXX and was denied for " Delinquent property taxes within last 3 years '' on my XXXX  XXXX consumer credit report. 

I checked my XXXX  credit report and there is no reference to delinquent property taxes because I've never been delinquent. 

I attempted to file a complaint via XXXX, however, there is no way to submit a complaint regarding Property Taxes. 

I believe the information provided to the lender was inaccurate and resulted in my denial to critically needed financing. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Account name : Barclays Bank Delaware Request to have this account removed from all credit reporting agencies for the following reasons : 1 : Account Termination Removal Date is XX/XX/, yet its still on my report. 
2 : in addition to that, all 3credit reporting agencies have completely different and inaccurate information listed which are last payment date, balance, account numbers and incomplete information all explained In my attached documents. 
3 : Also on XXXX, their showing a balance in XXXX Withthe amount of {$2400.00}. O from XXXX
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX XXXX Chase Credit Card in XXXX 2017. I signed up via their website, which clearly stated that I would earn XXXX bonus points after spending {$1000.00} in the first three months of account opening. I do have a screen shot showing the offer that was made to me. I ensured that I exceeded the {$1000.00} of spending in the first three months of having my account opened so that I could earn these bonus points. However, the XXXX bonus points were never provided to me after several months of waiting. I then contacted Chase about the missing points. They informed me that I had signed up for a sign-up bonus of XXXX bonus points after exceeding {$2000.00} of spending in the first three months of the account. I tried speaking to different people inside of Chase via their secure messaging system, but everyone refused to help me. The problem is what their systems say I signed up for and what I actually signed up for are different. This is a " bait and switch '' scam that they are running, either knowingly or unknowingly. I was never informed of needing to spending {$2000.00} to earn my bonus points. I believe Chase needs to honor their initial offer to me of XXXX bonus points and that the CFPB needs to look into why Chase is offering potential customers one sign-up bonus, but then switching them to another sign-up bonus without their knowledge. Thanks! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX my father is XXXX XXXX XXXX. XXXX, Equifax and XXXX have continued to combine my credit file with my fathers and continue to allow creditors to continue making derogatory reports DESPITE being noticed under Section 609 of The Fair Credit Reporting Act. Please see additional notice under Section 609 FCRA, which requires creditors to provide specific information such as written authorization to obtain credit information about me, contracts or agreements related to the alleged debt. Although previously noticed under Section 609 FCRA, XXXX, Equifax and XXXX have not required the creditors named in the attached letter to adhere to the specific requirements under Section 609 FCRA and have allowed the derogatory items to remain in my credit file despite being in continued violation of Section 609 FCRA. The creditors can not provide this information because I did not open accounts with any of these creditors. Failure to provide the specific information under Section 609 FCRA REQUIRES XXXX, Equifax and XXXX to de, set the specific items listed in my dispute under 609 FCRA. As of the submission of this complaint the items specified in the attached letter remain on my credit file. These items must be removed immediately for the violations under Section 609 FCRA
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

Ive had FFELP loans serviced by American education services ( AES ) since a few years. I also have other student loans which are direct loans with the department of education. When the cares act was announced back in 2020, I reached out to AES and they told me that my loans with them were not eligible for the benefits under the cares act. This information was accurate at the time. However, there had been changes and announcements made by the Biden administration in months following, and AES failed to inform me of any updated information. Specifically, this new information included announcements such as FFELP loans becoming eligible to be consolidated into a direct loan so that the benefits of the cares act could apply to my FFELP loans. Since AES never communicated these updates to me, my loans with AES not only continued to accrue internet, but I also made loan payments when I was unemployed and could not afford to do so. Also, because my loans were not consolidated to direct loans, I could not receive any benefits that were available with the CARES Act ( pause on payments as well as no interest accrual ). Since last week, I have reached out to AES and received conflicting information. One agent tells me that my loans with AES are not eligible for loan forgiveness ( whether they are consolidated to direct loans or not ). Another agent gave me different and opposite information. They also tell me that the payments I made during and since the pandemic can not be refunded because that would make my account delinquent. Even though they failed to communicate any information regarding loan consolidation eligibility. I feel that I missed out on maximizing my benefits during the pandemic when I most needed help, because AES did not provide information and announcements which applied to my loans in a timely manner or at all.
Product: Credit card

XXXX XXXX XXXX I noticed my line of credit decreased from over {$11000.00} to where my current balance was around {$7800.00}. At this point in time I had not been 30 days past due on my account, making all payments on-time. I sent a message this same day, receiving a response back from Commenity on XXXX XXXX XXXX indicating they pulled my credit and noticed my score dropped which resulted in them decreasing my line. This has put great harm on my credit score, as one of the biggest factors in your credit score is credit utilization. Which took my utilization from 66 % to 100 % and immediately dropping my credit score. The issue with this approach is there is never an understanding of what caused the credit score to decrease. In my situation, I was a victim of identity theft with disputes on accounts, and now am being penalized for this.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of unauthorized hard inquiry that has been reported on my credit profile, which I previously brought to your attention. I submitted a dispute letter outlining my concerns regarding the inaccuracy and fraudulent nature of this hard inquiry. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the disputed items will be corrected as soon as possible : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATIONXXXX 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: Checking or savings account

Dear Sir/Madam : I contacted XXXX  and they advised me that my refund was already returned back to my account in the amount of {$150.00}. My questions is why is M & T Bank not posting these funds to my account, why are they holding these funds and when will they be available? I was given a bank reference number of XXXX Also, if they are holding these funds from XXXX then, I would like to know if M & T Bank is holding my check I am anticipating a from the Internal Revenue Service in the amount of {$2800.00}. I would like to know if, you have received these funds and when do you plan to make these funds available? 

i sent M & T Bank and email and I called on XX/XX/2022 at XXXX and my call was dropped. i called back on XX/XX/2022 at XXXX and the representative stated that she does not see a refund to my account.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report the balance on my XXXX XXXX  account : XXXX is inaccurate. I dont have a balance of {$140.00} on my XXXX XXXX  account. The current and correct balance on my XXXX XXXX  account is : {$0.00}. My XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and has fraudulent transactions on the account. The following hard inquiry currently listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2023.
Product: Debt collection

I have disputed this debt on three different occasions with this company. This company is illegally reporting this account as an open balance, even though they have that it is included in my bankruptcy and nothing is owed. This is affecting the number of accounts I have in collections which is false information because there is nothing to collect on this. I have filed direct disputes with the company. This is illegal. They are reporting a debt as open that there is no way I can resolve as there is no amount of money owed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According with the fair credit reporting at the list of accounts below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX account number XXXX Account name : XXXX XXXX account number XXXX account name : XXXX XXXXXXXX XXXX XXXX account number XXXX account name : account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX  XXXX account number XXXX account name : XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX Account names. 

Has violated my rights.15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish it 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 items of information, other than records, or convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person should not furnish any information related to a consumer to any consumer reporting agency is the Personal knows or has reasonable calls to believe that the information is in accurate.