23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written this company a dispute as I have no idea why they are on my credit, and I have never heard from them at all! Either I must have the wrong address or there is something completely wrong with this account! PLEASE HELP ME!
Product: Credit reporting, credit repair services, 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 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  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 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: Mortgage

Hello, I called loan depot to start auto payments. They state you can not start them for 30-90 days. Ive paid several mortgages with several companies from the beginning with auto pay. I believe this is a money grab to make it difficult for the consumer to remember to pay the first three months, resulting in easy late fee penalties. There is no reason you should not be able to auto pay up front. I asked to set it up and they stated company policy, keep trying between 30-90 days after your first payment. I would bet if you took a look they have collected massive late fees in the first 30-90 days. I believe this is on purpose and predatory. Thank you. 

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

Three to four weeks ago American Express sent the credit bureaus an " update '' on an old account that had been closed for years. The update attempted to re-age my credit and stated that the date of delinquency was XX/XX/XXXX although that was more than two years from the correct date. They then sent the credit agencies notice that it had been charged of on XX/XX/XXXX although I was never contacted and it had never appeared on my credit report before XX/XX/XXXX. I contacted XXXX  and got the date of delinquency changed but they then added a charge off on XX/XX/XXXX. They have now reported me as having missed XXXX monthly payments for an account that was closed years ago. Almost every single thing they reported is wrong and once the damage to my credit is done going back and correcting the errors does not actually fix the damage to my credit. If they had reported truthfully correctly and in a timely fashion this would not have caused such damage to my credit. I spoke to American Express and was told a supervisor would call me to discuss it and no one ever called. I have literally not received anything from these people in years and they have completely destroyed my credit over the last four weeks.
Product: Payday loan, title loan, or personal loan

I have been trying to get paper bills on a personal line of credit, Paper statements requested every month ( Via XXXX XXXX XXXX ), for account # XXXX to no avail. I don't have access to internet all the time so I can not receive online bills all the time. I need them to send me paper bills " Each month '' so as to be able to set up payment source to send them payment each month. They refuse to do so and it is " MY RIGHT '' as an " XXXX XXXX '' to receive paper bills. I ask the Upgrade Representative to send me email to confirm ( They won't send paper bills ), she refused and said ; quote '' We don't send emails ''. NO where in the " TIL document '' or the " Loan Agreement Document '' does it say I can't receive paper bills each month. I need them in order to send them payment every month in a check. ( See attachment ).
Product: Student loan

Student loan should of been included in my XXXX  XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. SOLVERITY ( Opened XX/XX/2017). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Mortgage

My mother and I as co-owners were in the process of refinancing my mortgage with Freedom Mortgage and was told to provide an upfront fee. I was encouraged to use my credit cards because the refinance was going to be used to pay of the credit cards. 
This upfront fee was to lock in my interest rate of 60 days. 
I decided not to continue with the refinance and was told that this fee was non-refundable. Is this legal in North Carolina? 
I really would like to get this fee refunded since I did not go forward with the refinance. 
Because that almost XXXX in credit card debt that I'm trying to pay off for services that I did not agree to go forward with.
Product: Debt collection

Repeated calls with no one on the other line. Seems to be from several unpublished phone app numbers. Debt is for {$680.00} from XXXX XXXX, which stated there was no cutoff penalty. Action was opened on XX/XX/2020. Pro Collect XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. Phone XXXX
Product: Checking or savings account

I am reaching out to get assistance with receiving the money in my daughters CashApp account. We created a cash app account for her, and deposited {$30.00}, with myself as the parent account granting me access to her account, and transaction history. Shortly after, she broke her phone, causing us to lose access to the phone number on said account. When reaching out to cash app for assistance, I was instructed to create a new account for her and request a money transfer from her old account to her new one. After creating a new account for her, I was then informed we would not be granted a transfer of the funds due to " undisclosed security issues ' ''. I have confirmed my information, as well as hers multiple times, and am not being informed as to what the " security '' issue is. I feel as if my daughter is being scammed, or taken advantage of. I have reached out multiple time, spoken with representatives, and supervisors only to be refused the money that is rightfully hers. I am filing a complaint here before seeking assistance in small claims court because no matter the amount, it is my daughters money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX  years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts listed on my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items blocked and removed from my credit file.

The specific accounts that need to be blocked and deleted are as follows : Accounts : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$700.00}.
Product: Checking or savings account

I made a deposit a year ago XX/XX/XXXX. They waited a year XX/XX/XXXX to take the {$600.00} I deposited a year ago out that I deposited. I have the deposit slip bank XXXX. XXXX XXXX. Transaction XXXX XXXXXXXX XXXX. Submitted for deposit. XXXX XXXXXXXX XXXX XXXX location in XXXX XXXX MI XXXX # XXXX. Citizens Bank. # XXXX XXXX XXXX citizens bank.com/online-banking No phone call or letter in mail or text or e mail. They said teller was over on her drawer on XX/XX/XXXX and just deducted the {$600.00} from my checking account # XXXX. Citizen bank XXXX. Please investigate this matter. I feel they had no justification to take out {$600.00} from my account with no evidence just based on the tellers mistake. And this is one year later. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Mortgage

I applied for loss mitigation short sale to avoid a foreclosure on my home everything has been submitted and completed for the short sale but the lender has not postponed the sale date, even with all the documents and numerous phones to stop the foreclosure sale which a direct violation of the homeowners bill of rights civil code section XXXX and civil code section XXXX
Product: Credit card

XX/XX/year>, a Capital One Credit Card with a charge limit of {$600.00} was opened without my knowledge or consent. I contacted Capital One to remove this card from my credit file, and they advised me to dispute this account with the credit bureaus. However, I contacted them directly, and was given the run around about a matter they could of fixed on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last complaint that was sent to the CFPB was close on XX/XX/XXXX and Transunion indicated that they sent me a letter to send in my ss card. I did not receive the letter. I spoke to a supervisor at Transunion ( XXXX ) on XX/XX/XXXX and she informed me that there isn't a note in the system stating that TU sent out any type of correspondence to me and that they do have a copy of my ss card, dl, utility bill, and affidavit that was received on XX/XX/XXXX. Not sure why Transunion sent in a fraudulent statement as if a correspondence was mailed to me but my rights are being violated. I've sent in numerous dispute letters with my ss attached that are recorded in Transunion 's system. I would like my case handled immediately. I will mail a certified letter AGAIN containing my dl, ss card, and copy of the CFPB dispute which was closed due to lies by TU. File # XXXX
Product: Credit reporting or other personal consumer reports

I applied for several mortgages within the 45-day mortgage shopping window, between XX/XX/2024 and XX/XX/2024. The first inquiry was XXXX on XX/XX/XXXX ( XXXX XXXX ), then XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX, then XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I believe ) and XXXX XXXX  XXXX  ( I believe this was from XXXX  ) on XX/XX/XXXX. These were all for mortgages from four different companies within the 45-day shopping window, and according to XXXX  " Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. '' However, these are showing as 4 separate inquiries on all of my credit reports and have significantly dropped my credit scores as a result. Transunion does not have a dispute process online, XXXX did not have a way to dispute multiple inquires, only invalid ones, which these were not fraudulent, and XXXX does not allow disputes of inquiries online. 
I called XXXX on XXXX and they were unable to help. 
I spoke with Transunion on XXXX and arranged a call back by a supervisor. I spoke to a TransUnion supervisor on XXXX and they said they would not remove the inquiries unless they were fraudulent. I explained repeatedly that they were not fraudulent but they should only appear as ONE hard inquiry per the CFPB website and consumer protection laws. They just argued with me and would not tell me how to get the issue resolved or what documentation to provide.
Product: Money transfer, virtual currency, or money service

I need all my history of wire transfers for immigration purposes since the year XXXX  and forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some XXXX XXXX XXXX, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to request a reinvestigation of the following account on my credit report, as I believe there are inaccuracies : Account Name : XXXX XXXX  Account Number : XXXX I request that the Consumer Financial Protection Bureau assist in ensuring the accuracy of this account 's reporting under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter thoroughly and correct or remove any errors found. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US XXXX  XXXX XXXX XXXX Balance {$5100.00} ; US XXXX  XXXX XXXX XXXX Balance {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$9600.00} Date opened May 01, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$4300.00} Date opened XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report thirteen fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in question are as follows : 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 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  These fraudulent accounts consist of credit card accounts opened at various creditors on different dates under specified account numbers and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

XX/XX/2020 Rushmore Loan Management Services Department of Consumer Affairs XXXX. XXXX   XXXX XXXX, CA XXXX XXXX : WRITTEN REQUEST Pursuant to CFPB Mortgage Loan Servicing Rules To Whom It May Concern : In  XX/XX/2020, my loan was transferred from XXXX XXXX XXXX Mortgage to Rushmore Loan Management Services. I made my XX/XX/2020 and XX/XX/2020 payments of {$2600.00} to Rushmore Loan Management Services. 

On XX/XX/2020, I received my Annual Escrow Account Disclosure Agreement and Change of Payment Notice. It stated that my monthly mortgage payment was going to increase by {$570.00} per month as of XX/XX/2020 because of Rushmores Escrow cushion policy, which is egregiously  excessive. 

On XX/XX/2020, I spoke with the customer representative about the increase in my mortgage payment. I am requesting that my loan payment be reduced as it relates to my escrow analysis to remove the cushion. 

Please note that this increase is excessive. My property taxes have only increased by {$120.00} per month. Since XXXX XXXX transferred my loan, Rushmore is increasing by {$570.00} per month which is excessive!!! And especially with COVID-19 it is unreasonable to have such a substantial cushion. I am submitting this as a WRITTEN REQUEST because of the COVID-19 quarantine, I do not have  access to a fax machine to submit my request. 

Also, note that I am a NY homeowner and I will submit a complaint regarding Rushmore Loan Services regarding your servicing practices. Once my loan was transferred from XXXX XXXX to Rushmore Loan Management Services I have been inconvenienced regarding payment options ( i.e., biweekly automatic payments to align with my bi-weekly payroll ) as, well as this excessive increase. I am also going to file this complaint with Governor XXXX XXXX, Attorney General XXXX XXXX, the Consumer Finance Protection Bureau and the NYS Department of Financial Services. Please  note that I would like my payment adjusted as of XX/XX/2020 to reflect the actual increase of my property taxes ( i.e., {$120.00} ). 

Please respond at your earliest convenience. 

cc : Consumer Finance Protection Bureau New York State Department of Financial Services Honorable Governor XXXX XXXX Honorable New York State Attorney General XXXX XXXX
Product: Credit card

someone uses my name application new credit card form BANK OF AMERICA and open account online and Mobile. 
someone uses my name application new credit card for XXXX XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX,
Product: Credit reporting or other personal consumer reports

I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX  ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter XXXX, subchapter v, XXXX.
Product: Credit reporting, credit repair services, 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 : 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, lending 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 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 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: Money transfer, virtual currency, or money service

Paypal permanently locked my account more than 6 months ago. I received an email dated XX/XX/22 that stated my account was locked. The email stated that I was required to wait 6 months for access to my funds. I have been trying to withdraw my cash from the wallet, but keep on getting an error message stating that something is wrong with my account. Please advise.