23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Money was taken from my account by XXXX and sent to my boyfriend and when he tried sending it back to me with XXXX, XXXX won't let me enroll to recievce my money my bank or XXXX are not even trying to help fix this problem there is {$600.00} of my money that they have or know where it went too. I have tried with both companies and get no answer or help please help me I don't know where else to go to get help XXXX
Product: Checking or savings account

dispute a transaction approx cost XXXX the bank with the millennium children working for citizens bank do not understand how the United State Postal service works. On a sunday an electronic transaction hit my account with a toll free number attached. So i call that number and they said to me that i ordered so membership it was in the fine print of which i had no intention to do so. the matter started when i as a XXXX XXXX customer answered a survey and the offered me to chose a product for my survey. I ordered high power ear pods. once i found out that i had to be a member and pay for this membership i decided that when i received my package i would return it. 

so in the United Postal Service if you receive something you dont want and or never ordered you give it to the clerk and its called " refusal return to sender '' this is done at no cost to me the consumer and also NO RECEIPT IS GIVEN AS THERE IS NO COST. 

The children of citizens bank mandated that i provide a receipt from the post office that i returned that package and the is unavailable they do no give receipts on return to sender. 

citizens bank closed my account placed it with XXXX XXXX and declaured that i abused my account for filing a dispute under regulation E and 93 A of the massachusetts consumer protection act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

An account was at Wells Fargo & Co was fraudulently opened in my name, XXXX XXXX Checking Account # XXXX I called the number for personal checking account fraud XXXX and waited over an hour and spoke to 2 different customer service representatives that passed me on to wait more. I am still trying to contact Customer Advocacy XXXX with no success. 

I have a fraud alert at XXXX, XXXX XXXX and XXXX. I believe Wells Fargo is required to contact me before opening an account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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 personal collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # XXXX 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: 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 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, # XXXX # XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX 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

NCA XXXX National Credit Adjusters ) has once again, placed a debt that is not mine on my credit reports in collection status. I didn't open an account with XXXX XXXX  in XX/XX/2023 as NCA as reported on my credit reports. The debt with XXXX XXXX appeared on my credit report more than XXXX  years ago and it was disputed and removed. NCA hasn't provided me any proof as I've requested numerous times, but they've listed it on my collection report with a date on XX/XX/2023. This company is operating illegally in its reporting tactics of the consumers fair credit act. It is in numerous violation of the FCRA. This is my second time reporting their illegal practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.
Product: Mortgage

Please provide the most recent version of the promissory note, and life of the loan accounting for XXXX # XXXX XXXX # XXXX and the application for credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX
Product: Mortgage

On XX/XX/XXXX, I called Towne Mortgage inquiring as to the status of my PMI threshold. The lady that I spoke with stated that I had reached the threshold back in XXXX and the PMI should have dropped off my monthly mortgage payment. She then stated that she would submit an request to the PMI specific department to investigate why it didn't drop off and I should received a reply within 48 hours. 

On XX/XX/XXXX, I followed up on the inquiry with another phone call to Towne Mortgage as to the status of the investigation. I was told the investigation was still ongoing and she couldn't provide me any more information about it. 

On XX/XX/XXXX, I sent an email to Towne Mortgage explaining that I still haven't received any updates to my inquiry. I received a automatic reply email stating that " someone from our team will be in touch with you in 2 business days. '' It has been several business days with no reply.
Product: Credit reporting or other personal consumer reports

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES Act ). 

Based on the actions the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived.

A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My XXXX  student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. 

XXXX is no longer responding to verification requests. 
The credit report company is now responsible for removing incorrect and inaccurate reporting information on my credit report. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. 

Any and All late payment information from that time period needs to be removed immediately. See references.
Product: Credit card or prepaid card

Over tree months ago I made a purchase at the Victoria Secret store in XXXX of {$160.00} I paid {$100.00} with the gift card, and the rest with the Victoria Secret Credit card ( XXXX XXXX XXXX XXXX ) When the balance arrived it says I that owed {$160.00}. I called the bank and they direct me to call Victoria Secret. Which I did. After reviewing the transaction and the gift card number they figure that their teller never applied the gift card. They told me not to worry and that they were going to apply that gift card toward the credit card balance. Because the due day was close, I made the payment of {$60.00}. But, I month went by and I am seeing the new statement balance with a debt of {$100.00} ( 100 + interests ) I called 8 times to Victoria Secret and the bank. They said they don't know what happened, and offer no further solution other than having to pay that credit card balance. The Case # XXXX date XX/XX/XXXX. 
Feeling helpless I made the {$100.00} payment. But guess what? I received a new bank balance of {$100.00}!!!!! I checked, I there is no transaction made on the statement. This is PURE ROBERY.

Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel strongly the credit bureau discriminated against me reporting my credit scores & has caused negative responses when applying for credit. There are open accounts that is paid each month that is not shown on my credit reports. On XX/XX/2023, XXXX XXXX denied a credit card account. It was stated applying would not effect my credit score apparently this was not true. There has not been any bankruptcies or delinquent accounts because I havent opened any accounts in the past ( 7 ) years.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$580.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated, verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a acoount without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorde d and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributin g them  to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me w ith a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX and Equifax for inaccurately reporting information on my credit report. Despite their assurances that the data is accurate, it is not, and it has caused significant damage to my financial standing. XXXX is in violation of 15 U.S. Code 1681s2, which requires furnishers to report accurate and complete information to credit reporting agencies. And Equifax under 5 U.S.C. 1681e ( b ) regarding their responsibility to ensure maximum possible accuracy of consumer credit information and to remove or correct inaccuracies when documentation has been provided.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a payment f {$1000.00} to my Nordstrom XXXX account. In XXXX, they were still reporting my previously held balance of {$2000.00} to the credit bureaus. I called them and asked them when they would report the correct balance and they said after the close date on XX/XX/XXXX. I filed a dispute with the credit bureaus and they corrected the balance. Then on XX/XX/XXXX, they changed the report and returned it to the XX/XX/XXXX balance of {$2000.00}. I have not used my card at all and my balance only decreased since my XX/XX/XXXX payment, it has not increased. I filed another dispute, uploading the payment history and true date balance and the the score was corrected within 5 days. Today, XX/XX/XXXX, Nordstrom Card Services has once again returned my balance report to {$2000.00} with the credit bureaus. That has not been my balance for 46 days and 2 billing cycles. As of today, my balance with Nordstrom is {$840.00}.

Their fraudulent reporting has caused me irreparable harm as I am in the process of moving and due to the yo-yo in my credit score and repeated false balance reports, I am unable to obtain a mortgage and could be homeless by the end of the year. I have been a loyal customer and have never missed a single payment. It is unethical that they in poor practice to falsely report consumer debt and payment information.
Product: Mortgage

DATE : XX/XX/2016 TO : CALIBER HOME LOANS XXXX XXXX, XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Information Request Mortgage Loan Number : XXXX I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, XXXX XXXX. 

Why did it take your company more than 5 days, to mail a RESPA receipt, in response to a correspondence you received on XX/XX/2016? I am attaching documentation to prove your company failed to respond within 5 days, dated XX/XX/2016, post marked XX/XX/2016. 

If you need to contact me to discuss this request, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company at the time, mld mortgage, cashed my mortgage check twice in error resulting in XXXX $ in bank fees being charged to my checking account. They are denying they did this, even after I provided them with all the bank statements. They are being completely unprofessional and are giving me the run around. This has been going on almost a month. I do not know how an " accounting '' department can not know this occurred, and then deny they even did it.
Product: Debt collection

Judgement filed against my home dated XX/XX/ in XXXX, ohio municipal court. XXXX XXXX XXXX, XXXX, Oh XXXX. 

Judgement was placed on XXXX XXXX XXXX, XXXX, Oh XXXX ( a property I own ) Case # XXXX {$780.00} -Debt $ XXXXClerks Costs No verification of debt was ever attempted and the address on the judgement is incorrect as I have never lived at that address or has it ever been associated to my personal credit profile. 

I am known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX to all my creditors.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.