23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/year> I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company XXXX XXXX  and that there will be no more payments moving forward. On XX/XX/year> XXXX forwarded the payment to XXXX XXXX  to fulfill the last six month forward mortgage payment and foreclosure fees. Now XXXX XXXX  is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/year> and now XXXX XXXX has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why XXXX XXXX  is claiming that the XXXX  program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/year> of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to XXXX XXXX that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/year> {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/year> because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX  statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CLAIM ID : XXXX XX/XX/2019 ADDENDUM OF SUPPORT On XX/XX/2019 Ive managed to purchase a headwear at XXXX XXXX shop for the amount of {$150.00}. However, after a single wear I wasnt satisfied with a material, which has been used in that specific item altogether with the whole quality of the headwear. 

Ive addressed my concern to XXXX XXXX Customer support over the phone and vocalized my intention to return the item. Due to that, I have been addressed to the XXXX XXXX Return and Refund policy ( copy of it attached in PDF ). Ive followed the steps of the Return policy and managed to return the original item with XXXX Ground via XXXX to XXXX XXXX, NC. The package had been delivered to XXXX XXXX, NC on XX/XX/2019 ( copy of it attached in PDF ). 

Nevertheless, Ive returned the item back to XXXX XXXX facility, I havent received a credit back to my XXXX account, so Ive filed a dispute for the amount of {$150.00}. 

On XX/XX/2019 Ive been contacted by person, who introduced himself as XXXX, representative of Chase Card Services Department. That person addressed to my concern, that merchant is rebutting the dispute and quote claiming that the sale was final due to the fact that the item has been considered to be vintage and buyer had signed for that end of quote. 
Considering that data, I have to state : a ) Ive never consented to NO RETURN policy during the purchase, nor it has been publicly disclosed, additionally none of XXXX XXXX website information claims such thing ( copy of it attached in PDF ), b ) None of XXXX XXXX Return and Refund Policy mentions such category as Vintage ( copy of it attached in PDF ), c ) The visual fragment, which representative XXXX claims to call mine is false the only signature I use is visually different and copy of it could be found below this addendum. 
d ) XXXX XXXX violates my rights under Public Law 93-495, Section 166 15 USC 1666e. 
e ) XXXX XXXX conspires to commit a fraud by 1 ) falsifying my signature and claiming to be mine, 2 ) doctoring the receipts with something, not even mentioned on their website. As a matter of fact, such business activities already had been reported by me to FTC ( copy of a report attached ) and NYS AG Office.

[ End of page 1 ] Therefore, considering everything mentioned above, Im kindly requesting CFPB to inform Chase Card Services, that Im requesting to debit my XXXX account for the amount of {$150.00}, due to the fact, that Ive returned the item back to the merchant within shops return policy and never been reimbursed. 


I have retained a copy of this letter for my personal files. 



Regards, XXXX XXXX XXXX [ End of page 2 ]
Product: Money transfer, virtual currency, or money service

I downloaded paypal for an app to transfer money to paypal, but i realized that i didnt reach the age requirements and my money is stuck in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complaint about Equifax 's offer of " complimentary identity theft protection and credit file monitoring '' to consumers impacted by its data breach. 

Several pages on Equifax 's website describe the service as " complimentary. '' Yet the Equifax browsewrap Terms of Use include a class action waiver. 

It is not clear from the website whether enrolling in the identity theft protection program constitutes agreement to the Terms of Use. The relevant language in the terms of use states : " BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING OR PAYING FOR OUR PRODUCTS OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. '' http : //www.equifax.com/terms/ If Equifax considers consumers affected by its identity breach to have agreed to its Terms of Use by registering for identity theft protection, then that protection is not " complimentary. '' Consumers registering for it have paid a possibly high price by forgoing the opportunity to be members of a class action. The descriptions " complimentary '' would then be both deceptive and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

( REMOVE THE LSITED ACCOUNT IMMEDIATELY OFF OF MY CREDIT REPORT DOESNT BELONG TO ME AN IS BEING REPORTED INACCURATELY! ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX  XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/1995 Last 4 of socialXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2020, Navy Federal Credit Union open checking & savings account in my name ( as well as my ex-wife ) using fraudulent information. To address this identity theft, numerous phone calls, emails, and registered mail were used to requested a copy of the application. NFCC first said it had to be requested by the police department. After that request, they then said I would need to subpoena the information. My request is simple : provide me a copy of the application so that I and local law enforcement can perhaps identify the perpetrator or, at least, how identifying information was obtained. ALSO, provide the NFCC protocol to ascertain and verify the identity of an applicant. ( I do not qualify to NFCC membership. )
Product: Debt collection

XXXX. I do not know AMSHER COLLECTION SERVICES. 
XXXX. I do not have any contractual relationship with AMSHER COLLECTION SERVICES. 
XXXX. I never signed any agreement with AMSHER COLLECTION SERVICES. 
XXXX. I never consented for AMSHER COLLECTION SERVICES to share my personal information. 
XXXX. My name is Copyright protected.

6. My copyright is pending with the Library of Congress.

7. My copyright includes any and all derivatives of my name.

8. I am advising AMSHER COLLECTION SERVICES to cease and desist any/all collection regarding this name. 
XXXX. I am advising AMSHER COLLECTION SERVICES to cease and desist any and all collection against me. 
XXXX. My copyright number is pending and I will be filing for protection of this copyright with the department of homeland security. 
XXXX. I demand AMSHER COLLECTION SERVICES contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 
XXXX. Upon written request through this portal and can provide proof of my Library of Congress. Temporary E-Recordation Link Request Inbox Fri, XX/XX/2022, XXXX to XXXX I just filed my copyright and would like a link to file a temporary e-recordation. 

My Copyright Request No : XXXX XXXX. Failure for AMSHER COLLECTION SERVICES to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as Tribal Remedies.

14. No further notice besides this notice shall be given.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already XXXX as it is.
Product: Checking or savings account

Capital-One 360 : I sent {$1000.00} on XX/XX/19 to XXXX XXXX using XXXX from my 360 account after 5 day she had not recieved the money. So I call the Bank, they said it was being processed after 5 days Wow. I said Ok i will wait couple days. XXXX call me again and said she had not recieved any money yet now it's XX/XX/19. I call Capital one again the agent said it being process again 14 days processing thats to long. Of course I was very upset and demanded my money back ASAP they said they would have to make a claim this could take 10 to 45 days. To make a long story short here the person I sent the  money to needed it on the XXXX, how can a Bank hold up your money 24 to 45 days? I want my money back now how can it get it?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( Transunion ) 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 items 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 resonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

This loan i took out was only a XXXX. And I have paid almost XXXX back. They want XXXX for XXXX I can't afford that. No one can. They prey on people like me that are desperate for cash. I was grateful for it. At the time. But I feel this company should be shut down. For their high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX. XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Student loan

In XXXX I took out a student loan through my school, XXXX, a XXXX school. The loan was held by, XXXX XXXX XXXX, XXXX XXXX XXXX, my loan was bought out by, Campus Student Funding , LLC , and managed by XXXX . When this switch occurred it dropped my credit score by XXXX points. XXXX XXXX, I paid this loan in full, only to find that Campus Student Funding , LLC and/or XXXX never registered this loan to reflect on my credit score. I have contacted XXXX XXXX and XXXX in attempts to reach Campus Student Funding and XXXX XXXX, the company they are associated with, to no avail. They have damaged my score and in not registering my loan they have deprived me of a chance to improve and further build my credit history.
Product: Debt collection

I am a previous XXXX for XXXX XXXX XXXX ( the XXXX XXXX ), I was terminated without given reason on XXXX XXXX XXXX. I did not have previous write ups or disciplinary action on record, ( I did request my personnel file from HR via email and was told they would let me have it once it was put together and I never received it ) I showed up on the XXXX and was let go. I applied for XXXX benefits on XXXX XXXX XXXX, my former employer disputed it however I was able to send proof the XXXX ( XXXX XXXX XXXX ) showing that the reason they gave wasnt true and couldnt be true. I was granted XXXX benefits on XXXX XXXX XXXX. XXXX stated after investigation that I was not terminated for a reason that is related to misconduct in the workplace. I moved out of my apartment on XXXX XXXX XXXX. Before being approved for my benefits I had already been moved out of the XXXX system without any charges. After I was approved for my benefits the XXXX revised my move out and put a move out date of XXXX XXXX XXXX ( which is not accurate ) and then applied over {$1000.00} in charges on the move out statement and immediately sent it to collections. This act by my previous employer was retaliation against me due to me being approved and receiving XXXX at their expense. This has created a grievance on me that is undue and wrong. I have provided all this information to southern management which is the collection agency that they use and still nothing has been done.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, XXXX, and Equifax credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Mortgage

XX/XX/2023- Applied for mortgage assistance and submitted application and supporting documents. And i keep reaching out to the SPS Mortgage Company and they never return my calls. And, then after calls and calls they told me I did not make enough money and they did not have any programs to assist me. I'm a XXXX XXXX  100 % and I need assistance with my mortgage, and they keep denying me the rights to keep my home and now I'm in default status and referred to an attorney. I just need some assistance, but SPS is being very difficult and unresponsive. Please assist with communicating with this mortgage company for assistance. 

Note : And, they have not type of communication with the customer that is personal or helpful. 

And they assign you a relationship XXXX that never answers the phone or sends you any type of correspondence to let you know about any new documents or documents that would need to be updated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/year> I have never authorized or applied for a credit card with XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.
Product: Debt collection

Company MRS BPO , LLC sent a debt validation letter on XX/XX/XXXX regarding an account with XXXX Bank. The company is illegally attempting to collect on a debt that has been charged off and written off by XXXX Bank as a loss. ( XXXX from XXXX Bank is attached ). I sent MRS BPO , LLC a response on XXXX XXXX, attaching the original debt validation letter and an extra attachment outlining XXXX XXXX XXXX companies violations under the FDCPA. This company has received my personal information illegally violating my rights pursuant to The Privacy Act of XXXX. ( I HAVE ATTACHED COPIES OF THE ORIGINAL LETTERS SENT TO MRS BPO , LLC ON XXXX XXXX ) the company has provided no updates in regards of how they will cure and correct these matters and provide compensation for their violations against the FAIR DEBT COLLECTION PRACTICES ACT regarding I the consumer. 


I AM REQUESTING COMPENSATION FOR THE AMOUNT INDICATED WITHIN THE LETTER SENT TO MRS BPO , LLC FOR THEIR ILLEGAL PRACTICES BY VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT WITHIN XXXX XXXX XXXX WHICH HIGHLIGHTS PURSUANT TO THESE VIOLATIONS THE DEBT OR CAN SUE THE DEBT COLLECTION COMPANY FOR DAMAGES AND ATTORNEY FEES
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Penny mac has taken two payments from us. They admitted it was their error. We are having trouble having the money put back in our account. Help.