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

I wrote  XXXX , Experian,  XXXX  on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX   companies and wrote them.nothing is better done, I do n't think its fair that mh y credit score k eep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   XXXX  for {$1400.00} not off  XXXX   XXXX  bank {$490.00},  XXXX  company for a car loan {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I believe the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit act XXXXt account # XXXX, and 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 without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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 transfers

I had sent a Western Union transfer in the amount of XXXX USD to my own bank account in XXXX. I was promised a rate of XXXX per USD, but only received XXXX. When I log into my Western Union account I still see the XXXX rate for that transfer, but for some unknown reason it shows " Total to receiver XXXX. '' As per that promised rate, it should be XXXX. I contacted Western Union support about this issue and got a response that the transaction had already been delivered to the bank account and thus it ca n't be changed.
Product: Debt collection

Received a phone call at work from an agent asking for my address for a 1099 to be sent out. Given I work at XXXXt, I told the lady my addressed and asked her what this was about. She gave me a case number and phone number for Global Asset. Global Asset notified me I owe {$1400.00} to another company and the only way to resolve the issue with them to get it removed is to pay that 1400 or keep up the process of IRS garnishment which will commence in 1-3 business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute the inaccurate information regarding my account with Ally Financial, which is reported as open since XX/XX/XXXX, and closed on XX/XX/XXXX. The account details indicate that my last payment was made on XX/XX/XXXX, and I have zero instances of being late, which is incorrect. 

Furthermore, it is reported as charged off, but I have not received a XXXX, and I believe this reporting is misleading and inaccurate. I kindly request that you investigate this matter and correct any inaccuracies in my report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Over two months ago I received a completely out of the blue demand for 'flood insurance ' or else from NEWREZ , the latest company to buy my mortgage. I have never been required to have it and had no idea they would be so incredibly unprofessional and threatening. I filed a complaint with your office, and received a two page reply on why NEWREZ is allowed to threaten me with a {$2000.00} insurance policy of their own if I do not 'comply '. I tried reviewing it today and it would not open. I have a PDF from XXXX XXXX XXXX stating 'the subject property is partially within a special flood hazard area. THE EXISTING STRUCTURE< HOWEVER IS NOT IN THE FLOOD PLAIN. It has been suggested they may be trying to acquire this property by any means in the event oil fracking is begun. I have not heard about this but I do find the unworkable stubbornness of NEW REZ shocking and the threatening overtones quite upsetting.
Product: Credit reporting or other personal consumer reports

I called Transunion on XX/XX/XXXX and also XX/XX/XXXX and spoke to representatives about the generic letter that I received about my disputes. The letter stated that it appeared that an unauthorized third party company sent a letter to them. I called and talked to XXXX the supervisor from XXXX in the specialized fraud dept at XXXX XXXX. I explained to XXXX that it was in fact me that sent in all of those documents and he still told me he couldn't help and I would need to send them all back even though they have all of the documents that I sent. He stated I could be a third party person and I assured him I wasn't. I even told him he could verify me again and he said he couldn't help. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. I asked Transunion to validate the fraud accounts to no avail. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
Product: Debt collection

I moved to another apartment. Prior to doing so, I called XXXX to cancel. They hung up on me repeatedly. I then sent a letter to XXXX requesting cancellation. My balance was XXXX when I moved. 

XXXX kept the account open despite my moving, and having repeatedly requested cancellation. Sunrise knows I do not owe this debt, however, both Sunrise and XXXX are fraudulently attempting to collect a debt I do not owe. 

It appears that XXXX kept the account open in order to keep fraudulently receiving the benefit of the {$30.00} a month though the affordable connectivity program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, Innovis credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM XXXX AND INNOVIS.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

I received a phone call today from a mediation service in California. XXXX XXXX XXXX # XXXX, XXXX, CA XXXX is the address. The number did not show up on the caller ID. The person I spoke with goes by the name of XXXX XXXX and claimed that they were hired by XXXX XXXX XXXX to collect a debt. They said that there were numerous complaints from XXXX and that they made several attempts to contact me. This is the first time I received any kind of phone calls about this. I asked him to send me documentations and information about the debt because I was not just going to authorize any kind of payments. He refused to give or send me any kind of information and stated that XXXX XXXX XXXX wasn't going to send information either. He then became abrasive and started threatening me stating that if I did not attempt to pay or make any arrangements that I would be getting sued and face criminal prosecution. So I said that I would make arrangements. He sent me an email through adobe acrobat sign to sign the documentations which came from a XXXX XXXX with Dispute Resolution Service. I have not signed anything. The statement states that I owe {$3200.00} but when I reached out to XXXX XXXX XXXX, they stated that I owe {$1400.00}. They told me that my account was sold to Debt Management Partners. I also called the CFPB and stated that it sounded like a scam.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has my credit file mixed with another person, someone who has a similar name but a different gender. My name is XXXX. I am not only being penalized by XXXX for their mishap, but I have no credit score and I'm being advised that I'm unscorable due to my being deceased. I am alive, and I mailed a notarized letter, my DL, and my Social Security card proving I am not deceased. XXXX ignored these notarized and official documents and nothing changed for over a year. XXXX is allowing a company called Capital One to report on my report for someone else, but I am not that person, nor am I dead. I have filed disputes, and my next step is legal action. I want Capital One removed from my profile along with the name that is not mine, which is not my AKA. I am being denied credit because XXXX refuses to update this information. I want it updated ASAP. My dispute with Capital One should be resolved by XX/XX/2024, based on the 30 days allowed.
Product: Checking or savings account

This is a follow up complaint on a problem I had with funds transfer my USAA checking account on XX/XX/2019. I transferred {$1100.00} from my XXXX XXXX XXXX checking account to my USAA on the USAA app and when the transaction was completed, USAA put a hold in the amount of {$700.00} until XX/XX/2019. On XX/XX/2019 I logged on to my account and saw that USAA changed the hold until XX/XX/2019. I contacted USAA and after being transferred to several representatives, I spoke with XXXX on the CEO 's Office who told me that he filed a ticket and I would be contacted in two days. USAA never contacted me in response to XXXX 's ticket and since I also filed a complaint with CFPB, yesterday I received a voice mail and an email from XXXX XXXX from USAA, but when tried to contact her today at XXXX to discuss my car payment which USAA returned unpaid, although funds were available on my USAA checking account, I only reached her voicemail. I called USAA again and was transferred to XXXX at XXXX, also in the CEO 's office. He told me that he could not help me because he was not assigned to my case and again, my issue was not resolved. I contacted USAA on regular business hours to ensure that my problem would be resolved and that I would be able to request a letter from USAA to XXXX XXXX XXXX explaining the return on my payment when funds were on my account. but was not able to speak with XXXX XXXX or anyone else who could help me. XXXX XXXX was clear on her voicemail that she was calling me to discuss my complaint with CFPB, but didn't seem to be interested on discussing the problem with my account. Today I withdrew the funds from USAA and will make my payment to XXXX XXXX XXXX from my XXXX  XXXX XXXX account, since USAA is not a reliable bank.
Product: Credit reporting or other personal consumer reports

I noticed that an inaccurate bankruptcy is showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The inaccurate bankruptcy did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final  classes  for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...
Product: Checking or savings account

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case. 

Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

The collection agency has false information on credit reports dated from 2015. The acct they are requesting is not mine. ( Trident Services )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report recently and I noticed a lot of fraudulent credit inquiries on my credit report such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX One Main.
Product: Student loan

I attempted to enroll in the Federal loan forgiveness program with Navient. I spoke to Navient and verified I qualified. I worked for XXXX. I thought I only had to make 10 years of payments to pay off my loans, which are over 100,000. Then I called them and said that my payments did not count from 2007 on -- because I should have switched over to another servicer sooner. What!!? They NEVER told me that. Now I am years behind where I thought I was -- all because of their misinformation. I want to be part of the lawsuit against them. Please.
Product: Credit reporting or other personal consumer reports

This is Im reference to my Transunion credit report. 

I did not make an inquiry with XXXX XXXX XXXX seeking credit. I do not know how and why it is on my Transunion credit report. Below is the date of the inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Product: Mortgage

Sent a payment to Flagstar bank on XX/XX/XXXX. The amount of {$53000.00}. I have been sending payments to Texas for other banks in the past and I know it takes from 3 to 5 days at most. I have recorded the conversation with the person who answered at XXXX. She told me that she did not see my payment but did see a internal transfer on XX/XX/XXXX. Because it was an internal transfer that tells me the bank received the funds sometime between XX/XX/XXXX to XX/XX/XXXX. Even that is a excessive USPS delivery time ; which I don't believe for a moment. The USPS has never been that inefficient in 20 years sending mail to Texas. When I asked to be given a supervisor he denied they received it. It is my belief this bank is engaged in fraud. If they delay early payments until the end of the month and hold on to them until then instead of processing ASAP ; they charge me more interest and if they do that with hundreds of thousands of customers it is easily millions to potential billions over time they steal from their customers, like me. This appears to be a business practice at Flagstar. They are to process payments as soon as they get the check and not hold them until the end of the month. I expect to be reimbursed the interest difference between the loan and the loan less the payment for the 12 days they did not recognize the payment or roughly {$57.00}. I also expect the federal government FDIC and other organizations to investigate Flagstar. Now that I can not trust Flagstar I will walk my payments into a local branch in Arizona. A final note I told the supervisor I know the payment will magically appear either XX/XX/XXXX or XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive disputed this charge off under 15 U.S. Code 1681 ( e ) ( I ) also under 15 U.S Code 1666 ( b ) and Experian has failed to remove this off of my report Ive disputed this 3 times now.
Product: Mortgage

My chapter XXXX bankruptcy has been discharged without any areas in XXXX XXXX, XXXX. Since then, I have made all my monthly mortgage payment on time. But my loan servicing company started to refuse my XX/XX/XXXX mortgage payment. The reason is they asked me to pay additional 3 months mortgage payment behinds, which were not existing. I sent them all my payments history and evidence to them but they couldnt give any response and answer. Today I just received my XX/XX/XXXX mortgage payment check back for the same reason. What can I do at this point?
Product: Payday loan, title loan, personal loan, or advance loan

Took out payday loan in XXXX with XXXX based in XXXX, XXXX XXXX business as Cashland XXXX XXXX hit, the business closed, did not have no contact information nor did they send me a letter to let us know they were closing until now when they finally called me. The only way I found out they were closed it when I went to pay the loan off since I missed my payment arrangement, the store was closed. I did not get any communication until XX/XX/XXXX when XXXX management ( ph # XXXX ) called threatening me during a time I am trying to retrieve my son 's body from XXXX. He was in a motorcycle accident and I explained to them I have documentation and I was trying to raise money to get to XXXX to him and his family. I did not get the persons name but she said the only thing they want to hear is that I am going to pay the {$400.00} and something dollars or they will move forward to ligation. I explain to him to give me time because I just lost my son over the weekend and working to get him home, I don't have the money. She did not care and this just send me into a deep XXXX. I can not handle this, trying to keep my family calm, making funeral arrangements, trying to get an emergency passport and other things. I feel this call was not warranted and I told them I have documentation to show I was telling the truth. The only thing she said was I will update the file, no my condolences or nothing and my son was in the XXXX XXXX XXXX. I tried to work something out with them due to my circumstances but they were not trying to hear what I was going through and did not want to work with me creating even more hardship during a time or mourning and trying to keep my family focused.
Product: Student loan

I sent a payment in on my federal Perkins loan to the schools service provider, Heartland ECSI in XXXX PA. They have not gotten it yet and my payment was sent in XX/XX/19. Payment is due XX/XX/19. I don't want default. 

Their customer service woman I " live chatted with '' this morning was rude as heck. Please help?
Product: Mortgage

XX/XX/2015 I paid {$2500.00} in one payment and my regular monthly payment is {$900.00}. The difference was intended to be principle but they placed the amount in an escrow account for insurance. The insurance was cancelled as I obtained my own and the escrow was supposed to be closed in XX/XX/XXXX and refund checks in the amount of {$180.00}. and {$910.00} we due to me. The letter stating this is attached. I have never received the checks. I called the office 3 weeks ago and they said they had to research and call me back. They never called so I called them a few days ago. The customer service person said I was n't entitled to the refund and the letter was in error. He also said the notes said if I called tell me that. I am entitled to the refunds. How can they sent a letter and then change their mind and not contact me. I would like this business audited by the Justice Department. I believe they are a crooked business and scam artists. I am a XXXX, if you do n't have time XXXX, I would be happy to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax, XXXX and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. 
listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish My report hard inquiries that are not mines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, EQUIFAX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX  # XXXX XXXXXX/XX/XXXX -- {$230.00} UNKNOWN # XXXX XX/XX/XXXX -- {$110.00}