23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

3 years ago equipment was returned to XXXX after selling the house. A month ago a collection was put on my credit report affecting my score without hesitation we paid that debt to have it deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was contacted by my employer about a credit issue. As a result I contacted Nationstar, now Mr. Cooper regarding what appears as an open account with them on my credit. Nationstar repeated advised I did not owe them anything and that the account was charged off. They even advised " even if you wanted to pay it of, you couldn't. They refuse to put that in writing and/or remove the account balance from my credit report. As a XXXX XXXX employee, this is an employment issue for me. As a veteran, I'm disgusted with the way Nationstar/Mr. Cooper has treated me and impacted my credit. If I don't owe them anything, as they've repeatedly told me, how can they report this as an open account?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Due to Human XXXX  Victimization Dear TransUnion, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

I request the immediate removal or correction of the Account and/or information from my credit report : XXXX XXXX XXXX XXXXXXXX I request the immediate removal or correction of the following Inquiries and/or information 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this letter are relevant documents that support my claim, including evidence of my status as a victim of human XXXX  and any other pertinent documentation. 

As a victim of human XXXX, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 

Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 

Thank you for your understanding and cooperation in resolving this issue. 

Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this explanation regarding the lack of action by Experian to investigate XXXX specific accounts I disputed via mail. On XX/XX/year>, I sent letters disputing the accuracy of these accounts, providing detailed information and supporting documentation to assist with their investigation. Despite my efforts, there is no evidence that the disputes were properly investigated or resolved. 

The disputes were mailed to the credit reporting agency at their designated address for handling disputes, and I included all necessary documentation, such as account names, reasons for dispute, and copies of supporting evidence. I also requested written confirmation or the results of the investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

Since submitting these disputes, I have received no acknowledgment of the investigations, nor have I been provided with any evidence that the accounts in question were verified or corrected. The disputed accounts remain unchanged on my credit report, and I have not been informed of any findings or outcomes regarding these disputes. 

This lack of response has persisted for nearly a year, despite the FCRAs requirement that disputes be investigated in a timely and thorough manner. As a result, I have been negatively impacted by the unresolved inaccuracies on my credit report, including higher interest rates and limited access to credit opportunities. 

I request immediate review and escalation of this matter to ensure these XXXX disputed accounts are properly investigated, and any inaccuracies are corrected. I am prepared to provide additional documentation, including copies of the original dispute letters and supporting evidence, if needed to identify the accounts in question.
Product: Mortgage

I have requested from Rushmore Loan Management Services since XX/XX/XXXX to provide the county with information that my mortgage has been transferred to them. Have been trying to have this account paid off and transferred to local bank.
Product: Debt collection

I asked them to send me a itemized list and they sent one but was for way more than it should have been and is way past the statue of limitations a d tricked me into saying that I owe the bill and continue to call me a lot after I told them to stop they call me at work and I told them to stop in a letter and tried to dispute with a written letter and still try to collect after I disputed it this was around the first of XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, 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 TransUnion 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX XXXX XXXX XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a business consulting company based in XXXX, FL. I am also an XXXX military member who has been XXXX since XX/XX/year>. I am writing to formally express my concern regarding an unauthorized ACH payment that was debited from my XXXX XXXX account XXXX in the amount of {$140000.00}, which I discovered to have been processed through American Express. 

On XX/XX/year> to XX/XX/year>, I noticed an unauthorized transaction on my XXXX XXXX account, which I promptly reported to both XXXX XXXX and American Express for investigation. After thorough review, I have been informed that XXXX XXXX sent recovery funds to American Express as part of their late ACH recovery process. However, American Express has denied receiving the funds, leaving me in a vulnerable position without the recovery of my lost funds. 

As a result of this dispute and lack of resolution, I have suffered a financial loss of approximately {$100000.00}. Despite my diligent efforts and submission of all necessary documentationincluding a police report, XXXX XXXX XXXX XXXX report, and an affidavit detailing the unauthorized ACH transaction and recovery attemptsneither institution has taken the appropriate action to resolve the issue or refund the funds to my account. 

This situation is especially distressing as I am currently XXXXXXXX XXXX in service to our country, which makes it even more difficult to address these matters in person. I am fully aware of my rights as both a consumer and a victim of fraud, and I believe that I have provided ample evidence to support my claim. I would greatly appreciate it if you could review this matter urgently and work with me to resolve it promptly. I expect a full refund of the unauthorized ACH transaction, as I have been a loyal customer of both XXXX XXXX and American Express for many years, and this issue should have been addressed much earlier. 

For your reference, I have attached the following documents to substantiate my claim : Police Report detailing the unauthorized ACH transaction. 

XXXX XXXX XXXX XXXX report regarding the late ACH recovery funds. 

Affidavit outlining the details of the transaction and the recovery process. 

Correspondence between myself, American Express, and XXXX XXXX. 
Please provide a written response within [ X ] business days, as I would like this matter resolved as soon as possible. I am more than willing to cooperate with your team to resolve this issue and ensure that justice is served. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution of this issue. Should you require any additional information or documentation, please do not hesitate to contact me at XXXX and XXXX XXXX
Product: Mortgage

We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly. 
When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of XXXX pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a dozen calls later, finally we are 'in-line ' for it. 
We currently are under a modification of 2 % less interest than normally, no help here either. 
Intentional Lies and confusion of facts and numbers ... long term as well
Product: Debt collection

THE DEBT WAS ADDED TO MY CREDIT REPORT WITHOUT MY NOLEDGE
Product: Credit reporting or other personal consumer reports

Please remove many hard inquiries in my credit report that are not mines. 
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
Product: Checking or savings account

On XX/XX/XXXX someone charged my account {$2000.00} at XXXX. When i noticed it i locked my card and call Chase when i could. They said they denied my claim because I confirmed the fraud alert that they sent me. The fraud alert was from a completely different transaction. Now they dont want to open my claim and I lost {$2000.00}. I am not rich i can not afford to give away money and they arent even trying to help me.
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. 

XXXX XXXX BANK SS # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

After being forced into this auto loan I realized the interest rate was very high and I tried to get the company to take a second look and see if they could offer a lower interest rate. I had a fair credit score but being that I already had one vehicle financed with another company with a much lower interest rate I think this company was gauging me because I had such a lower rate on my newer vehicle. I bought this car as a secondary car for my teenage son. I tried for several months for the company to do something about this high interest rate but they have nit dine anything yet, my credit score is in the 600 's and I am financed on a brand new car with a 6.9 % interest rate but they gave m a 24.89 % interest rate. I think that is a predatory rate. I have even mentioned refinancing at a lower rate but I have not been able to do that. I am almost ready to voluntarily give up this vehicle.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX IS XX/XX/XXXX XXXX XXXX  XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.
Product: Money transfer, virtual currency, or money service

Gemini cryptocurrency exchange has frozen customers money in their earn program. No proper disclosures and false email claiming they didnt have any connection with the collapse of XXXX .
Product: Credit reporting or other personal consumer reports

This is my third and final attempt to resolve inaccuracies on my credit report. Despite my previous disputes submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, your responses continue to demonstrate a blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 617, and 618. 
Violations of the FCRA : 1. Section 609 : I requested documentation verifying the accuracy of the disputed items, including the original source of information. You have failed to provide any valid evidence or original documentation that substantiates these claims.

2. Section 611 : Your obligation to conduct a thorough and reasonable investigation of disputed information has not been met. The responses I have received are generic, incomplete, and fail to address the specific evidence I provided.

3. Section 617 : By failing to correct or properly investigate disputed inaccuracies, you have caused direct harm to my creditworthiness. This negligence is unacceptable.

4. Section 618 : Your continued failure to comply with the requirements of the FCRA constitutes willful noncompliance, which exposes you to legal liability for damages. 
To reiterate, the disputed accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I have been looking at my XXXX  XXXX  past few months it says I am an authorized user on a XXXX XXXX card that is terminated. # 1 I do not have any idea whose card that is or why I am on it. Never approved it. I do have my own XXXX XXXX card. I have called XXXX XXXX countless times about the situation as I now have 4 ongoing late fees on transunion and other reporting companies. I just called XXXX XXXX for the 8th time now about this and they only see my actual card on file. This authorized user card they say they have no knowledge of. I am asking for this authorized user thing with all these late fees to come off my credit report as soon as possible. I have no knowledge of it. And It is effecting my personal credit. Any help on this greatly appreciated feel free to call me about this.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} Repossession XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/XXXX our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/XXXX and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
Product: Money transfer, virtual currency, or money service

I started using Zelle back in XXXX  and there were no notices about how my money would not be returned to me if I sent it to the right or wrong person up until about a year or so ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found on equifax fraud i reported it when i get the results from the claim it wont let me view it for over a month know i have tried thru the computer and thru the phone to get the matter resolved. Know i called again after being hung up on 3x i get what claimed to be a manager that is telling me to FAX THEM MY BIRTH CERTIFICATE SOCIAL SECURITY CARD LICENCE DATE OF BIRTH AND PROOF OF ADDRESS. Isn't that the most insane thing you ever heard of I have fraud already on my credit report and they want what can for sure cause more fraud then you can ever picture. this matter needs to be resolved this is crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft accounts still appear on credit report
Product: Debt collection

I paid this debt over 2-3 years ago with another collection company that is no longer in business, they were based out of New York. I disputed the debt with the new collection company which is National Credit Adjusters, I showed proof of payments to the previous collection company and they said they started an investigation into the matter. The company didnt keep me informed about the situation and kept putting derogatory marks on my credit blemishing it several times. The derogatory marks include late payments and non payments while it was being investigated. Several months went by and I got a letter in the mail stating my payment options with them. I never received any sort of communication from them on the outcome of the dispute only a letter several months later with payment options to re pay them. This doesnt seem like proper business practices and I need help fixing my credit and this mess.
Product: Mortgage

I read online about the Wells Fargo settlement payed out to home owners denied loan modifications. I had 3 different mortgages that I tried over and over to get modified and they denied me. I wasnt sure if I am entitled to money from Wells Fargo through this settlement. I always thought that I was treated unfairly and wrongly denied. Can someone help me find out if I am owed anything by Wells Fargo? I attempted to find out through wells but they said they didnt have anything and I just found that hard to believe.
Product: Debt collection

I have been disputing this collection account with the credit bureaus and directly with XXXX XXXX. I have told them numerous times that this is NOT my debt and i have no knowledge of it. They have NEVER responded to my disputes or provided any proof that this is in fact my account. They have violated my consumer rights.
Product: Bank account or service

Account showing from Bank of America which does not exist and they are reporting {$420.00} Charge off to XXXX Originated in 2007.
Product: Credit reporting

I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. No payments were made on this account after XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

All foreign owners of XXXX XXXX XXXX and other gas stations and store I was told I would not receive my money and the owner filed bankruptcy and removed all machines out of the stores and I was the loyalty ID of all cash register that was in store and I was the raw money for trading currency from foreign countries I have not received anything from buying crypto currency and XXXX currency account I was told I can receive my payment from XXXX wallets I was threatened by crypto bullies and cyper bullied by XXXX XXXX account XXXX XXXX account and other third parties owned by foreign owner my money marketing account was closed without notifying me and I have no knowledge of why