23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a refinancing loan 6 months ago with Village Capital Investment. I requested to have the loan application for a streamline refinancing and I was approved. However, my wife received an email stating that the loan could not be approved in my state ( South Carolina ). I feel that my equal credit opportunity has been violated or damaged my creditworthiness. This violates credit report - FCRA 15 USC. -1681 ( B ), also,15 USC . 181 ( N ).
Product: Checking or savings account

cash app closed my account after filinh my taxes and using cash app as my resource to receive my taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX ) ENHANCED RECOVERY COL {$570.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Nothing has been done XXXX continues to allow these criminal people to continue to victimize me. There about to see what happens next. They know I have been wronged, still have not deleted the item off my credit report. XXXX XXXX is aware of the issue and refuses to resolve issue in good faith. I provided information and nothing has been done. The know that Oklahoma XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are lying there XXXX off, are capable of murder, and XXXX XXXX to try and commit crimes against me.
Product: Credit reporting or other personal consumer reports

Dear OPPLoans/XXXX  Customer Service , I am writing to formally request a copy of Form XXXX ( Cancellation of Debt ) for my unsecured loan account, which has been inaccurately reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX ( as reported, though disputed as inaccurate ) Charged-Off Amount : {$1700.00} Credit Limit : Not Provided Highest Balance : Not Provided Last Four Digits of XXXX : XXXX According to IRS regulations ( Section 6050P of the Internal Revenue Code ), financial institutions are required to issue Form XXXX if a debt of {$600.00} or more has been canceled or forgiven. I am requesting this form for my records and to fulfill my tax obligations, as the reported charge-off of {$1700.00} may have significant tax implications. 

However, I must emphasize that this accounts status is under active dispute with credit bureaus and the CFPB, as the charge-off and past-due status ( reported as {$1700.00} written off and past due as of XX/XX/XXXX ) are entirely false. My payment history, as Ive documented, shows no delinquencies or defaults I made all payments on time until the account was inexplicably reported as charged off in XX/XX/XXXX and beyond. This misrepresentation has severely damaged my credit score, denied me credit opportunities, and caused financial hardship, which I am addressing through ongoing disputes. 

If XXXX XXXX has not been issued, I kindly request a written explanation detailing the reason, including any documentation supporting the charge-off decision. Additionally, clarify whether any outstanding balance remains, whether the debt has been sold or assigned, and if further action is required on my part. I am also concerned that the failure to issue this form, if applicable, could result in non-compliance with IRS requirements and further complicate my tax filings. 

Please send the requested documentation to the address provided above at your earliest convenience. Should you require any additional information, you may contact me at XXXX or XXXX. I expect your prompt and thorough response, as delays will exacerbate the harm caused by these inaccuracies. 

I appreciate your immediate attention to this critical matter and look forward to your cooperation in resolving this issue.
Product: Credit reporting

I have been trying to dispute information with transunion for more than 3 months. I have sent letters without any feedback and I have tried to process disputes over the web, but was denied, I even gave up for two months to see what would happened, and exactly as I thought nothing did, Finally I got frustrated and called again. I called and was transferred at least 6 times to different representatives. Each time I 'm told I must speak to someone in the special fraud department. As you can imagine I became very alarmed, but could n't get any help or any answers. Each representative required the same information my name social security number, date of birth and address. I was very upset to continue to provide my personal and confidential information to each of these employees but i wanted to get the matter resolved. Finally i was told i would be transferred to the final department and that they would most certainly be able to help me. The call went to voice mail. I got a call the next day at XXXX, I was at work. The caller, who failed to identify herself advised that I can call back and speak to any rep and that they would be able to help me. That was n't true once again I was transferred 4-5 more times until I got to XXXX. I explained to XXXX that I wanted the information on the XXXX XXXX account that says i was disputing the card to be removed, that I had previously request in XXXX 2015 that the fraud alert be removed from my credit file and that I had inquires on my credit report I did n't authorized and should be there.. i explained that was XXXX the reason I put these alerts on my account in the 1st place. XXXX then advised that she could remove the AID from the XXXX XXXX account and can remove the fraud complaint but for the inquires I would have to contact the different companies provide them my personal information so that they can write me a letter that I can then send to Transunion to remove the inquires. I advised I do n't want to provide the creditors my details that they should n't be there in the 1st place. That I had requested that my account be protected and Transunion failed to follow through. I requested that the inquires XXXX ( XXXX inquries ), XXXX Bank, XXXX XXXX, and XXXX mortgage. XXXX advised that she would not issue the investiagtion that that the information she provided was my only option. I explained no other creditor has requested this process to which there was no response. I advised I would file a dispute to which she replied ok. This process is unfair and i feel the actions of this company is punitive. They wont allow web access to my report and the fact that some special fraud department is the only department that can help me,, all though they dont seems to be some type of payback because i filed a complaint against transunion before. This is clearly a poorly run company and I am very concerned that this is XXXX the only XXXX companies that is in charge of keeping my files safe and up to date.
Product: Money transfer, virtual currency, or money service

I have made a transfer of XXXX on the XX/XX/XXXX. I contacted coinbase via phone no response, via email which they replied saying they have seen the problem and will resolve this however this has not happened. Its been exactly 20 days with no help. I would like my money back or for the money to be transferred ASAP! Thiis very bad customer service and I am extremely disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Product: Checking or savings account

They owe me my {$530.00} that was in my Account when they decided to close it.
Product: Money transfer, virtual currency, or money service

I have a cash app account that was hacked. I applied for the settlement up to {$2500.00} but haven't received any correspondence. I was out of hundreds of dollars and my bank has yet to be able to retrieve the funds.
Product: Mortgage

My original mortgage with XXXX was transferred to Mr. Cooper around XX/XX/2019. After taking the loan over, Mr. Cooper opened an escrow account without my authorization and started billing me, claiming I owed a balance of approximately {$330.00} due to a gap in my insurance coverage between XX/XX/XXXX-XX/XX/XXXX when my loan was with XXXX. I was never notified by XXXX  while they had my loan that I had a gap in insurance coverage, I never received any correspondence nor was I ever given the opportunity to be made aware of the gap or to buy the necessary insurance. Furthermore, XXXX  never billed me for such gap coverage, nor did my loan reflect such balance when my loan was transferred. After speaking to Mr. Cooper several times over the phone, they have not been able to provide me with any proof or confirmation that a policy was truly purchased on my behalf by XXXX. XXXX also has denied my requests for proof or confirmation that a policy was purchased on my behalf to justify the amount I am being charged. I continue to be billed for a policy I was never made aware of that was purchased on my behalf which is completely unfair and advantageous.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is furnishing information for an account to XXXX and TransUnion that is false/misleading/inaccurate, yet continues to " verify '' information is " accurate as reported '' to both to XXXX and TransUnion. At this point XXXX knows or should know the information is inchoate because it contains multiple periods over which the account was alleged charged-off, to include periods which the account was paid as agreed ( see account/tradeline as reported by TransUnion in attached file XXXX XXXX '' ). The account/tradeline as reported by XXXX and TransUnion exhibit XXXX same inconsistencies and thus it seems XXXX has padded information to fit an alleged charge-off event on or around XX/XX/XXXX or XX/XX/XXXX ( see attached " XXXX '' ). In a XXXX XX/XX/XXXX response to CFPB complaint XXXX XXXX alleges the event took place in XX/XX/XXXX, while its own system alleges a charge-off took place in early XX/XX/XXXX AFTER taking a payment that would have prevented the alleged charge-off from occurring ( see attached " discover_dispute_claims_with_docs.pdf '' ) Thus, XXXX appears to be violating its responsibilities under 15 U.S. Code 1681s2 by furnishing information it knows or has reasonable cause to believe is inaccurate. Unfortunately, the CRAs have been all too willing to accept the inaccurate information and claim they have met their own responsibilities under 15 U.S. Code 1681, et. seq. when the account/tradeline is not being reported with maximum possible accuracy as required under 15 U.S. Code 1681e.
Product: Mortgage

I am a single,  XXXX   XXXX -year-old woman. I have lived in my home for 32 years. In  XXXX , I took out a conventional mortgage loan with  XXXX . The loan was supposed to be 5.5 % APR. At closing, I was charged 7.75 % APR and an additional {$18000.00} in fees. In  XXXX  due to a medical condition, I was unable make these much higher payments.   XXXX   XXXX   XXXX   took over the mortgage without my consent or knowledge and began foreclosure. The foreclosure documents I received only included 1/2 of the house on the Deed of Trust and Title, but included a building parcel I own free and clear, instead of the parcel with the other 1/2 of the house. I brought this to   XXXX   XXXX   XXXX   XXXX   attention.   XXXX   XXXX   XXXX   agreed to modify and re-do the loan as a short sale for {$330000.00}. However, they never completed this process and sold the mortgage again without my consent or knowledge to GreenTree. GreenTree began foreclosure without correcting the Deed of Trust or Title. They simply ignored the problem and went to foreclose anyway on the wrong parcel and only half a house. I paid for and completed two loan modifications, first in   XXXX   and again in  XXXX  only to be ignored by GreenTree. Since then I have made payments to the chapter   XXXX   Trustees for several years with the assistance of my attorney   XXXX   XXXX   XXXX  . In  XXXX , I had to file Chapter   XXXX   bankruptcy to stop the foreclosure process, ruining my credit and preventing me from doing business. Can you please help me? The fees and interest accumulated due to this dragging on for years is beyond the reasonable market value of the home. However, we are at a stalemate on who will address and correct the legal problems on the loan.
Product: Credit reporting or other personal consumer reports

information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.
Product: Student loan

I've been trying to make payments on my federal student loans held by Nelnet for months. My account has continually been past due as a result. Each time I try to make a payment I get notified days later that it was rejected by my financial institution and returned. However I've tried to make payments from multiple institutions, from checking AND savings accounts, as both one-off and scheduled debits. Funds have never been pulled from any of the accounts. Each time the payment is listed as having been returned. I was told to re-enter the routing and banking information. I've done that multiple times. I was told to contact my bank, I did that and they said there wasn't a flag or issue on their end. I have tried to make payments of varying amounts as well, from $ XXXX {$700.00}. 

Below are a list of dates when payments were rejected : Auto payment applied : XX/XX/XXXX ( No funds pulled from the account ) Payment " returned '' by Nelnet : XX/XX/XXXX Autopayment applied : XX/XX/XXXX ( No funds were pulled from the account ) Autopayment updated : XX/XX/XXXX ( At recommendation of Nelnet ) Autopayment " returned '' by Nelnet : XX/XX/XXXX Automatic payments cancelled by Nelnet : XX/XX/XXXX Autopayment applied : XX/XX/XXXX Automatic payments cancelled by Nelnet due to " returned '' payment : XX/XX/XXXX XXXX time payment submitted : XX/XX/XXXX Payment not processed by Nelnet : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX failed to repair my car then tried to over me another car which i wanted my car to be fixed and repaired with them not being able to repair the car because it was a lemon and the lemon laws they tried to give me another lemon which i didnt want to be put in the same situation again i asked if they could take the car back without a repossion on my record they said yes but instead they but a repossion on my account and didnt update the account balance from when i voulnteered to return the car which in return has been negative reflecting my credit report.
Product: Credit reporting or other personal consumer reports

Hi, I recently looked at my credit report on Experian on XX/XX/XXXX. I saw some inquires that did not have permissible purpose. I also attached evidence below. 

1. ) XXXX XXXX XXXX- XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
2. ) XXXX XXXX XXXX - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
3. ) XXXX XXXX XXXX - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXX credit acceptance {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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 # ( private case number ) 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.
Product: Prepaid card

I have funds missing from my account and I 'm unable to access my funds. I need gas and have to pay bills. My balance is showing XXXX and I know for fact I have about {$350.00} missing. Rushcard needs to cut me a check for this upsetting experience. They ca n't pull up any account information when you call customer service. It 's sad. I 'm depressed behind this.
Product: Credit card

XXXX  Recently took {$96.00} from my cashapp withouth my consent note that, i have this company blocked and even my card locked during the time so i dont see how or why cashapp would let this happen and i have tried to request a dispute but it has been denied because it was authorized by me when i told them it clearly wasnt and even showed them all the other times XXXX has tried to charge me {$96.00} but that day i add money over {$96.00} to my cashapp XXXX takes it within a day. XXXX has also lied saying My refund will be in my cashapp balance within 3/5 business days and when those days passed i contact XXXX  and they say that they can not find the charge and that it was never made and i need to contact my bank i also have all the screenshots of it but nothing has been added to my cashapp so i just feel like XXXX shouldnt be able to take my money like that
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 XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX  Account name : XXXX, Account name : XXXX XXXX, Account name : 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: Debt collection

Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. 

How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
Product: Checking or savings account

Td bank allowed someone to access my account fraudulently via multiple phone calls and allowed them to initiate voice recognition changes. There were multiple transactions made without my knowledge that were clearly fraudulant and very untypical of the banking that had taken place over the last 20 years. Then a large fraudulent purchase was made in another country with these funds. Td bank failed muliple times to alert me of this unusual type of transaction
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. 
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