23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter became 100 % XXXX and is on XXXX and can not afford the debt. I am now XXXX years old and retired and live only on XXXX XXXX and some odd job income and I can not afford the debt. We were way behind on payments and agreed to pay a reduced balance of {$1500.00} at {$300.00} a month for 5 months, but every month we still get DEMAND letters asking us to pay the entire balance of the loan off. 

I have contacted the collections department and told them we are in a payment plan with them and they should know this and stop sending demand letters because they are harassing us and I think it is a violation of the Fair Debt Collections Practices Act. They told me they would fix it in their system so we would not get the letters anymore but we're still getting them. 

These people contacted all of my neighbors by telephone before I agreed to this payment plan, and they claim they were just asking if we still lived here. But every one of my neighbors told me they were calling because they were trying to collect a debt from me. I had to explain to them that my daughter was XXXX  and was unable to pay her college loans and that was what it was about. Everyone just blew it off because it was college loans, but again, these people are out of control in attempting to collect debts. 

For what it's worth - I worked in the credit industry for 23 years and we would never have done some of the things these people have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency ] , I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report. 
I demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.

There are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both Equifax and the collection agency and they have failed to provide adequate documentation. I have attached a copy of Equifax 's decision to this complaint. Please remove this account it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/2020 on my credit file and this item is negatively impacting my credit report.
Product: Mortgage

Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.
Product: Debt collection

The medical bill for XXXX, was sent to collections after they received the insurance payment, never sent a corrected bill. Had an issue with the medical bill with the insurance company and it was fixed in XX/XX/XXXX and sent to collections in XX/XX/XXXX. 

Was sent a letter about the collections in XXXX XXXX and disputed the debt. 

Received a letter in XX/XX/XXXX, and called the company, they were only able to tell me the company and amounts, however could not tell me anything about the collection. 

I called the company of the bill, and the account in the collections has the wrong account number they are trying to collect from my son who is a XXXX 

Never received any phone calls from the collection agency, and never received a follow-up on the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!
Product: Mortgage

On XX/XX/XXXX I received a marketing email from Mr. Cooper mortgage stating I could save {$28000.00} if I refinanced my existing mortgage I have with them to a 15 year mortgage at 3.375 %. 

Mr. Cooper fully knows my existing mortgage is already a 15 year mortgage at 3.75 % and a remaining balance of {$70000.00} ( original loan amount {$190000.00} ). Pray tell me how I can save {$28000.00} over the life of a mortgage when the proposed interest rate differential of just .375 % represents an annual savings {$260.00} on a {$70000.00} balance which if I somehow were to save that much every year for 15 years would only be about {$4000.00}. Reality is the savings would only be about {$2000.00} due to declining balances over the 15 years. 

Mr. Cooper also knows I have only 5 years left in my mortgage if I made minimum payments. Mr. Cooper also knows I have been paying $ XXXX in additional principle each month for well over a year and slightly lesser amounts in previous months. At my current pace I only have 3 years left and the total amount of interest left if i continue at my current repayment rate is only {$4000.00}. My closing costs to refinance alone would probably approach the {$4000.00} figure. 

The claim I can save {$28000.00} is fallacious and abusive to consumers. This doesn't even pass the XXXX test. I can't fathom how whatever calculation method they are using passed muster with their compliance and or legal teams knowing the risk involved under UDAAP. 

I want Mr Cooper to cease and desist from this marketing campaign until the CFPB is fully satisfied that proper audit and screening procedures are put in place to ensure the accuracy of savings claims they put in front of their customers.
Product: Checking or savings account

Hello, My name is XXXX. I recently moved to the XXXX to live with my parents in XXXX XXXX. I quit my job in XXXX, Ma so that I could come down. I lost my phone a few weeks ago and in doing so, lost the ability to connect with my Cash App. as it sends a code to my phone to be able to sign in. I did not have the money to go out and buy another phone. I called the company and also emailed Cash App support and was presently surprised they were willing to help me. I emailed them back and forth for about a week, they ended up telling me that they are unable to transfer my money to the new account that I created. here is the Email I received. Please let me know if you can help me. This my last paycheck and I really need the money. Thank you, Hi XXXX, This is XXXX from Cash Support. Thanks for reaching out. I understand how concerning it is to have lost access to your previous account. I'm here to give you some context about what's happening. 

After taking a look at your account, I can see that we're unable to grant access to these funds for security reasons. To protect your current account, we can not override this decision. 

You may continue using your current Cash App account to send and receive payments. 

Please feel free to let us know if you have any more questions. We're here to help! 

Kind Regards, XXXX XXXX. 
Cash App Support
Product: Mortgage

I have already submitted a complaint about Nationstar Mortgage / mr. cooper and I have not had any luck getting them to admit they are in the wrong. I continually receive excuses with phrases like, " we are sorry for the inconvenience '' " we are sorry for the trouble this has caused '', " more research should have been done '' etc ... 

Nationstar Mortgage/mr.cooper sent my house into foreclosure in error. They have charged me a foreclosure fee of {$2000.00} even though I have tried to have this charge removed they have sent me the following response : " The foreclosure fees of {$2000.00} are valid. We show that a Demand Letter was sent to you dated XX/XX/XXXX, and indicated that the account needed to be brought current by XX/XX/XXXX, otherwise the account would be referred to foreclosure. The account was not brought current on that date and was referred to foreclosure on XX/XX/XXXX. As such, the foreclosure referral was valid and unfortunately will not be waived. '' I received a copy of a Lis Pendens, Summons and Complaint Foreclosure - Non Jury that was Electronically filed on XX/XX/XXXX by, XXXX XXXX  XXXX, XXXX, attorney for the plaintiff, Nationstar Mortage LLC d/b/a mr. cooper, to the State Of South Carolina County of XXXX. 

This was the same day, XX/XX/XXXX, that I called in to make a payment. I was told not to make a payment until my misapplied payment from XX/XX/XXXX was found and applied to my account. No mention what so ever that my home was already sent to foreclosure or any mention of Nationstar 's attorneys. 

As I explained to Nationstar / mr. cooper, I contacted my dedicated loan specialist, XXXX XXXX, on XX/XX/XXXX with several questions about my mortgage and payments and I was informed not to worry if I should receive papers about a foreclosure on my home, I was indeed not in foreclosure. She did inform me that my lost payment from XXXX had now been found and had been applied to my account. 

I received a letter from mr. cooper dated XX/XX/XXXX and it reads : " Failure to pay {$4100.00} by XX/XX/XXXX may result in acceleration of sums secured y the security Instrument, foreclosure proceedings and sale of property. '' I then received a copy of Consent stipulation of Dismissal and Cancellation of Lis Pendens that was filed with the XXXX Clerk of Court by the plaintiff 's attorney XXXX XXXX  XXXX, XXXX. dated XX/XX/XXXX. 

As you can see I was put in foreclosure in error by Nationstar Mortgage/mr.cooper but , yet I am still being charged {$2000.00} foreclosure fees.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Balance {$520.00} I have never lived at these addresses and I do not know these accounts.
Product: Credit reporting or other personal consumer reports

I have attached my drivers license, utility bill and ssn card I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

XXXX XXXX : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute XXXX Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws. 

Laws Potentially Violated : XXXX. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ). 
XXXX. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law. 
XXXX. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ). 
XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : TransUnions practices XXXX violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes. 
XXXX. XXXX XXXX in Global and National XXXX XXXX ( XXXX XXXX ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the XXXX XXXX ( 15 U.S.C. 7001 ). 
XXXX. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history. 
XXXX. Fair and Accurate Credit Transactions Act ( XXXX ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Debt collection

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit card or prepaid card

Reliacard locked my account because they said I had to prove my identity, send me ID, S.S., fax it to them. I did on the XXXX different occasions. Then after 3 weeks, now there telling me they still wont unlock it and I have to get in touch with PA Treasury who is impossible to get on the phone with. I need my money, I have bills, groceries, etc! I need help
Product: Credit reporting or other personal consumer reports

XXXX XXXX Is alleging to be collecting a debt for XXXX XXXX Bank. I would like XXXXXXXX XXXX to provide me with the documents that prove they have the authority to collect for this company. Upon checking the companys bylaws and incorporation for their business practices there is no mention of XXXX XXXX collecting for them. 

XXXXXXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority from this Executor Office to administrate for the " XXXX XXXX XXXX 
You will return and transmit your written evidences of your delegated authority to " represent '' that you, XXXXXXXX XXXX XXXXXXXX is authorized to administrate ( acting as trustee ) on the " XXXX XXXX XXXX '', together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Caveat : XXXX. 

XXXX XXXX disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY. 

This will be my last attempt of trying to handle this matter with court action where additional fees will be applied.
Product: Credit card or prepaid card

On early XX/XX/XXXX, I applied for Gold Delta SkyMiles® Credit Card, when I signed up, American express gave me the offer that promised me I would get XXXX bonus miles after making $XXXX purchase with the card. However, within 3 months I already spent over $XXXX. When I asked American Express when can I get my XXXX  miles rewards, they refused to give me. It was my first time to apply for the American Express Delta credit card, and I have never had the same card before. American Express never give me a reason why I am not eligible for the welcome bonus offer.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Money transfer, virtual currency, or money service

XXXX XXXX wronly charged my account. when I contactet them they returned money to my account in the wrong amount instead of XXXX the put in XXXX the they asked for a money trcnser for XXXX only to find out the money went to a card instaed of paypal now I am out XXXX. I will attach all pertinant documents the bank in question XXXX XXXX Bank recipiant XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX account # XXXX routing XXXX Bank address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wire recall Nmber XXXX
Product: Credit reporting or other personal consumer reports

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I am trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies remove all fraudulent accounts immediately. 
XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX {$2100.00} The following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following names are also not correct and appear on my credit report XXXX XXXX and XXXX XXXX. There are also a number of accounts in collection that need to be removed XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$800.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$730.00}, XXXX XXXX XXXX {$610.00} and XXXX XXXX.