23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Pulte Mortgage uses an unreasonable amount of pressure and financial penalties to ensure that you use them when buying a Pulte Home. They delay, delay, delay and come back with numerous " final offers '' and " best offers '' only to continue to add delays to the timeline as you shop for alternative lenders and competitive rates. Then, if you do not choose them as the lender, the builder ads fees for delaying close despite the reason for the delay being their own preferred lender making it all but impossible to get a truly competitive alternative to using their own in-house lender. They are dishonest, unclear about the impacts to you as the buyer, call and verbally pressure to use their products only, and then add fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX, NY XX/XX/XXXX- This address is not correct. Delete it immediately from my report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

XX/XX/XXXX I financed a car with Lobel Financial for {$13000.00}. 
XX/XX/XXXX I voluntarily surrendered the car due to the loss of my job. 
XX/XX/XXXX the car was charged off and no data was reported until XX/XX/XXXX. The agency has been reporting the account as charged off in the amount of {$13000.00} but also reporting that I'm missing the monthly loan payments currently past due. For the time I actually had the car I paid {$4400.00} in six months. The account has been in collections longer than I actually had possession of the car. I no longer have an open active car loan with them. The agency is showing that I have a recent balance due of {$18000.00}. The rate being added to the account changes monthly. I am losing credit score points due to false reporting from the agency. 

This debt is keeping me from gaining federal employment because it is showing as a delinquent account. 

I have disputed the inaccuracies with the company and the credit bureaus. There has been no change only that the account has been noted that I disputed it.
Product: Debt collection

I had opened an account with XXXX XXXX and had charged over {$1000.00} roughly a few years back and I had contacted them and worked out a payment arrangement for {$400.00}. Last year when I checked the credit bureaus as we were going to refinance for a better rate. The account was closed and charged off. No I failed to get proof. Three weeks ago on XXXX, I was served with a Civil Summons as I was named as a defendant in a suit for the amount of {$740.00} as the account was bought by a debt collector. I received no notice, only served with a court date on XXXX. I am XXXX with a XXXX XXXX injury and will go to court as my name is on the affidavit, and I abide by the law. As I was preparing rides, times, and documents I read the Civil Warrant that I was served with and they are also seeking Court Costs. I am on a fixed income and due to the XXXX in XX/XX/XXXX at an early age in which I had just started my career after spending years getting a college degree and was ordered by a judge XXXX   XXXX  XXXX despite my pleas. My medical bills take more than I draw. However, I noticed that the Attorneys for the Plaintiff, one in XXXX KY and the other stamped on the court document is with a PO Box in XXXX. I also noticed on the attached Affidavit that is from the State of Texas County of XXXX and the Custodian of Records for the Plaintiff, a XXXX XXXX XXXX employee assigned to the Account who does business at XXXX XXXX XXXX in XXXX Virginia under penalty of law attests that I Owe the company she works for the sum of {$770.00} as of XXXX but claims the sum of {$740.00} is due as of the date of the affidavit. Her name is stamped in 2 places in the state of Virginia and Notarized in Texas that the Signatures were signed under no duress by the company who employed her. The court I have to go to is in Tennessee also. This is the 2nd time I have had to go for these bogus charges and the last one that the date was set by the attorney did not bother showing up and the judge called them to rescheduled and said they had forgot. They set the date. I am so tired, stressed and honestly sick and tired of the games these people play unfairly!
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the many unsuccessful attempts to remove a charge-off entry from my credit report. Despite numerous requests and disputes, the resolution process has proven to be ineffective, and the presence of the charge-off continues to adversely affect my creditworthiness.

I became aware of a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my consistent efforts, the charge-off remains on my credit report, causing undue hardship and impeding my financial opportunities.

I wish to bring the following issues to your attention : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history.

Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period.

The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement.

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly.

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$250.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not XXXX LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. Case I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX Upon speaking with LexisNexis after my identity was verified it was stated to me that they dont even have this bankruptcy on file and neither did they report this to XXXX because my information is suppressed so they couldnt verify I am attaching proof of my address a bill and my drivers license I want this issue fixed and they continue to go back in forth when I have information from the Pacer service center providing correct information
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did a wire transfer to my brother for {$25.00}. Within 30 minutes I had to cancel the transaction. I attempted to get a refund and the employee at the XXXX XXXX XXXX # XXXX  in XXXX, WV didn't know how to do the refund and kept getting an error. I got frustrated and left and went back 3 other times attempting to get the refund from Western Union. I made many phone calls and was still unable to resolve the issue and get the refund. I then requested a refund by check on XX/XX/XXXX. On XX/XX/XXXX I was issued a letter from Western Union because the address I gave was not the same as I gave on the original transaction because my address changed. I called on XX/XX/XXXX and spoke with XXXX and was told I had to send a notarized letter indicating my address had changed and had to include a photo ID and a check would be issued and I should receive it in another two weeks. The case number I was given was XXXX. I sent the information back to Western Union on XX/XX/XXXX. I called again todayXX/XX/XXXX and demanded to know when my refund would be issued. I spoke with XXXX who gave me a run around. I asked for a supervisor and was transferred to XXXX who also gave me a runaround so I told her to transfer me to her supervisor and after being left on hold for 45 minutes I hung up. I think it's ridiculous that they quickly take your money but you spend nearly a year trying to get your money back and still have not been able to get your money back.
Product: Debt collection

I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.
Product: Debt collection

have XXXX accounts with disocmver card i have disputed and dont owe any money they continue to call me at night and try to collect the money i demand they stop communicating with me
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 


Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I received a letter informing me that I have a XXXX debt totaling {$290.00}. 
This is impossible for 3 reasons. 
1 ) My husband and I share a XXXX account and his name is primary. 
2 ) That account is connected to a credit card. There is never any debt in that account, because purchases automatically are paid by that card. 
3 ) The debts in XXXX would be named for the companies that provided goods or services THROUGH XXXX. 
Also, they used a nickname, not my full name. 

From Jefferson Capital, Ref # XXXX www.MyJCAP.com XXXX XXXX XXXX XXXX. XXXX XXXX  MN XXXX Mail payments to : Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Return mail address : XXXX XXXX XXXX XXXX, NC XXXX XXXX whole addresses!
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to XXXX XXXX 's verification I already sent a registered security for the full {$2900.00} to XXXX XXXX XXXX ( Vice President ) of Nelnet on XX/XX/year>. I sent it to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nebraska, XXXX. The USPS tracking number is RE XXXX. You can go to the USPS tracking website and track the payment as it has been delivered to the agent. Even though I've sent my payment, Nelnet charged me {$53.00} on XX/XX/year>. 
XXXX XXXX XXXX XXXX. This is the Link for the payment Ive sent. When I first got this loan, I applied using an application called a promissory Note. So, my promissory note has already paid off the debt. Since Nelnet wants to be greedy Ive sent another security and I would like Nelnet to use this Promissory Note as security collateral to pay off all debts owed to the principal. According to the Bill of Exchange act only way to pay a bill is using Interest. The Promissory Note is the application that creates interest and I would like to pay the Principals debt using the interest created by the Promissory Note. 

Unless the full amount is credited within 10 days, we have no choice but to submit a claim against XXXX XXXX XXXX of Nelnet for false and misleading representation under the Fair Debt Collection Practices Act. Most Importantly as an investor in Nelnet, Nelnet has violated the Securities and Exchange Commission ( SEC ) for Securities Fraud. I would have to contact the SEC for Securities Fraud. I would also contact the IRS and submit a 3949a form and call the IRS on XXXX on XXXX XXXX of Nelnet for securities fraud as well as identity Fraud.
Product: Money transfer, virtual currency, or money service

For the last 5 days I've been trying to transfer my money from Paypal to my XXXX card and it won't let me do it I have contacted PayPal about this on ever day and they keep saying give us 24 hrs well the 24 hrs turned into over 100 hrs and I just got off with the supervisor for the third time and he said the same thing again to wait 24 hrs I really need the money transfer but they are given me the run around thank you a god bless you the amount is XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My local XXXX XXXX  is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted XXXX several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my XXXX years of using credit. They still refuse to work with me to resolve my credit report issues.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( block , inc . ) due to an adequate customer service and unfair practices., which violated the consumer financial protection act ( CFPA ). Specifically.. Cash App failed to take timely and effective measures to prevent an 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 era resolution requirements under the electronic fund transfer act ( EFTA and regulation E. These actions have cost sufficient inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have trying to correct the information on my report. Equifax refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information. 

They are continuing to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX