23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Debt collection

I was checking my credit report and discovered that Portfolio Recovery have been reporting information to the credit bureaus about a debt that they claim i owe. I send out the first letter to them which they received on XX/XX/XXXX requesting for verification and validation of the debt and a second letter which they received on XX/XX/XXXX because the response to my first letter was for me to provide them additional information about the debt. They are reporting information to the credit bureau under my social security number and they are asking me to provide them additional information about a debt that they reporting to the credit bureaus which is very frustrating. 
The last communication mail i received from them where two mails dated same date with different information which is why i believe this company is violation and in non compliance with the federal laws under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will be attaching the return receipts for my certified mails i send to them and the letters i received from their office. 
They need to delete and cease from reporting wrong information to the credit bureaus which they can validate or verify. Thanks
Product: Debt collection

The account was added to my credit and I don't recognize the account.
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agency has been reporting alleged accounts to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

PenFed Credit Union reported I made a payment more than 30 days late in XX/XX/. This is not the case and I have the supporting documents. The minimum payment of {$64.00} was due XX/XX/ but the late payment date was listed as XX/XX/. I submitted my payment of {$120.00} on XX/XX/XXXX  as reflected on my XX/XX/ statement. Clearly I did not pay 30 days past the due date and in fact paid by the date PenFed stated would be considered late.
Product: Mortgage

I refinanced with Freedom mortgage on XX/XX/XXXX. I got a tax bill from XXXX XXXX regarding a tax delinquency in XX/XX/XXXX stating taxes for the first and second half of XXXX are unpaid. I have called the servicer 3 times since I received the tax bill. 

On each call they claim my loan is not in escrow ( while my mortgage is in escrow ) You are required to escrow FHA loans - then promise to make the correction. They verify my escrow balance on every call and they continue to give a time frame in which the situation will be resolved. 

Till date, the taxes are still unpaid. I am trying to avoid a tax lien on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to XXXX on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


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

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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: Mortgage

On XX/XX/2022 I received a tax delinquency bill, so I called the tax agency and they informed me that my XXXX county tax  hasnt been paid for a year. So after six phone calls and over a month the tax still isnt PAID! So I have til Friday and Im going to have to pay for something I already paid for. This is absolutely ridiculous, this company is stealing my money and has no accountability and is ripping me off. All I can do is sit back and watch cause I cant control my escrow account they do! I have nowhere to turn and its costing me more money and they dont seem to care! How are mortgage companies allowed to do business like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized sharing of my personal information by EQUIFAX without my consent. I believe this action violates my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 
There is a public record on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have spoken with the United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX, who cited, XXXX XXXX XXXXXXXX XXXX XXXX is not responsible for credit reports and does not provide information to credit reporting agencies and disputes should be taken to the credit reporting agency directly. 

I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to lock the identified transactions. The identified transactions are not information related to any transaction by me as the consumer-XXXX XXXX XXXX  date XX/XX/18. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 

How could your company verify the accuracy as previously stated if the company in question does not report to you or verify accuracy? Again, please delete within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with credit reporting companies and have been well over 30 days since i heard anything and receieved any investigation results.
Product: Money transfer, virtual currency, or money service

I downloaded the Paypal business invoicing software, and it said that payments take 3-5 days since i'm a new client. I agreed to that since the client wanted to pay via my new paypal invoice that I sent over. The amount was for {$2000.00} in which {$1900.00} should have been available by tomorrow, XXXX. Instead, now the invoicing software changed it to 21 days, and under the same wordage as before. It says that since I am a new customer, that it will take 21 days for the money to clear. I did not agree to them keeping my money for three weeks, and even after the money went on Paypal it would still take time for it to clear to the bank. This is unacceptable and it is not a conspiracy theory that they will be using this money to put into stocks, paypal loans, currencies, gold or silver. This is a serious bait and switch and I am a XXXX XXXX and now there are two hurricanes on the way, and they took all my money and will be likely loaning it out to other people. The actual physical payment was made XXXX. I read the information via my app on my XXXX, but this should not be so drastically different than when I am currently on my paypal invoicing software on a desktop, as I am currently. I do not think this is a coincident in the least.
Product: Vehicle loan or lease

I purchase a used XXXX XXXX  vehicle from a dealership in XXXX, Illinois. Months to a year later, the car started having a lot of difficulties that wasn't covered in the warranty I received from the dealership. Once the car was sold to me, the dealership was unresponsive and didn't assist me any further. I found myself putting so much money into a vehicle that I had just purchased. A few years later, I contacted the finance company which is credit acceptance and asked could they pick up the vehicle. It was running at the time and I've had enough of putting so much money into this car. They picked it up. I voluntary gave them the car back thinking I was dong the right thing. They sold it to the auction, etc.. I received a bill that was the full price of the car. Remind you, I paid this car note for years before I called to return it. As of today, I have a hold on my bank account, I have no attorney and all of my funds are froozed. The amount owed doubled and credit acceptance is not communicating to me why. I need assistance asap.
Product: Debt collection

I disputed this debt XX/XX/2022 with all three credit reporting companies and they say its a valid debt and I say its not. They give no reasoning on how they determined that it is a legitimate debt other than to say I have to contact the company. This is not my debt.
Product: Debt collection

I receive calls from Portfolio Recovery LLC trying to collect a debt that is not mine for a XXXX XXXX card which they said I opened in 2009 ( When I was XXXX and not in XXXX! ) I told them it is not mine and they refuse to send paper letters. This is not even listed on my credit report. It is obviously a scam.
Product: Debt collection

On XX/XX/XXXX I received a bill from Coast Professional Inc. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University of XXXX for a semester XX/XX/XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX. along with a generic promissory note with a date XX/XX/XXXX which I went to school XX/XX/XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give me.
Product: Mortgage

I am disputing a credit reporting action with U.S. Bank Home Mortgage. 
I sent a letter to U.S. Bank, Attn : Credit Bureau XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. XXXX dated XX/XX/2022. Their return letter stated that my letter was an " insufficient information request, and gave me a list of required information. The letter from U.S. Bank was completely unresponsive as all the information they required was in the body of my letter or in one of the six Attachments. Their return letter gave a general automated phone number. A U.S. Bank rep stated that the Credit Bureau Reporting does not receive incoming phone calls.
Product: Mortgage

I have been working with Rocket Mortgage and they issued a Loan Estimate titled Loan XXXX on XX/XX/XXXX. I notified them of my intent to proceed 5 business days later. They lied to me at the time and said that I was past the date to accept that LE and that it had expired. I understand that I have 10 business days to respond to a LE based on TILA-RESPA rules XXXX 

They did end up saying that they could honor the original terms and started a new loan in their portal. I signed those documents at their request while on the phone confirming that we would still be locked on the original terms. XX/XX/XXXX their portal showed a locked rate of 6.25 % as discussed with the points covered under a lender credit. 

On XX/XX/XXXX at approximately XXXX, I received a phone call from the banker informing me that RM would not honor the rate lock and would require me to pay for points at a cost of about {$5400.00} to keep my 6.25 % locked rate through XX/XX/XXXX. They said the rate lock had expired on the loan I proceeded with. While the new loan did not show the same rate lock date and they are correct there, I specifically requested that we proceed on the terms dictated in the loan estimate from XX/XX/XXXX. 

I have requested multiple times today to have them proceed with the LE that was sent to us and is in effect till XX/XX/XXXX which would be 10 business days from when it was sent on XX/XX/XXXX. They have continually denied my request to proceed.
Product: Student loan

On XX/XX/XXXX, I applied for a Federal student loan consolidation with direct loan and the SAVE income driven repayment plan.

My consolidation was processed, and MOHELA is my servicer.

About one month ago I spoke with a MOHELA representative because my loan had been in administrative forbearance since XX/XX/XXXX. I was advised by the representative that the IDR was still in process and there was nothing that I needed to do on my end. 

The forbearance was then extended to XX/XX/XXXX, and most recently, it was extended to XX/XX/XXXX. 

Today, on XX/XX/XXXX, I received a billing statement advising that my first payment is due on XX/XX/XXXX, in the amount of {$170.00}. However, according to my student loan account, the IDR is still processing as of today, so the bill that I received today, is incorrect.

Am I expected to pay my first student loan installment based on an incorrect billing statement?
Product: Credit reporting or other personal consumer reports

They over charged me for the interest rates I took out a {$300.00} loan and all of a sudden I owe over {$5000.00}. My information has been reported to other loan comp without my consent and has ruined my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXX XXXX XXXX SOLD my CHARGE OFF account to the XXXX XXXX XXXX  to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with XXXX for {$270.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! Nevertheles, XXXX XXXX has written off {$280.00} and placed ( Settled for LESS THAN FULL Balance )!
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX. I have included all necessary files to block my adverse information which was a result of XX/XX/XXXX 


I have tried uploading my documents to Equifax multiple times, but each attempt was interrupted before completion. I repeatedly logged in and started over, but now I am being blocked from accessing my account. I will provide a screenshot showing the error message I receive each time I try to log in. Given the sensitive nature of the information and previous instances where my mail was lost by the postal service, I am hesitant to send my documents by mail. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act. On XX/XX/XXXX I send a dispute to Experian and on XX/XX/XXXX, I sent a certified letter ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian, including my Identity Theft Report and personal information ( ID and Social Security Number ), to dispute inaccuracies on my credit report. 

On XX/XX/XXXX I sent a letter to Experian asking for a description of the procedure used to determine the accuracy and completeness of the information that was provided ( USPS Tracking # : XXXX ) Despite my efforts, Experian has not properly investigated my disputes as mandated by 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I am concerned about the implications this has on my access to credit, employment, and housing. 

I believe that the recent lawsuit by the CFPB against Experian for sham investigations further underscores the systemic issues within Experian 's handling of consumer disputes. 

I kindly request that the CFPB review my complaint and take appropriate action against Experian to ensure compliance with the law.
Product: Money transfer, virtual currency, or money service

About a year ago, after a successful transaction sending money by MoneyGram to my relatives out of country, I was notified by MoneyGram that the transaction was cancelled. Next, I was told that I can not use MoneyGram services to send money in the future. I wanted to know the reason behind the decision that no one from MoneyGram has provided me. 
On XX/XX/21, a friend of mine sent me money from back home. Today on XX/XX/21, when I went to cash the money, I was told that a problem occurred and that MoneyGram will contact the sender and will refund the money. 
While MoneyGram may retain the rights to process or decline any transaction sent through its system, it shall not violate any federal, state, or local laws. I believe that I am being discrimanated or I would like to know what I have done that restricts me from sending or receiving money through MoneyGram. I have not done anything wrong on any transaction I made through MoneyGram or any other businesses. I am subject to profiling and discrimination by MoneyGram and it is against the law. Once again, I am asking MoneyGram what terms of the agreement were violated and to stop this practice of discrimination and profiling. I am waiting to hear from your office and looking forward taking this matter before the court if your arbitration can not bring clarity to this issue. 
Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit control for has a few open accounts for me. The amounts and dates are wrong. I would like them removed from my report.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, Equifax a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  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.