23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Defer my loans i did n't know interest would be added after doing so now I owe XXXX more than my original debt
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Mortgage

There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.
Product: Credit card

I recently received a bill for XXXX XXXX dollars from capital one. 
The cost of renewing membership with XXXX XXXX. 
I never applied for a capital one credit card nor did I activate a card. 
When I joined XXXX XXXX I agreed to the automatic renewal.I received a XXXX XXXX credit card which I activated. 
XXXX change to capital one. 
I never heard from capital one.i assume that was the end. No further action required on my part.I was not going to renew anyway. 
I dont believe capital one should have accepted a charge on a card that I never received or activated. 
Talking with capital one staff lets say they just wouldnt listen. They seem to think that XXXX has the authority to open a credit card account on my behalf. That wrong! 
Capital one also had access to the business that I had conducted with XXXX XXXX. I dont think that should happen either. 
This account should vanish with any effect to my credit score
Product: Vehicle loan or lease

Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.
Product: Debt collection

Cocentric Recievables has been reporting a negative account that does not belong to me. I sent in a dispute to them and asked them to investigate this, and delete it from my credit file. They never responded. They also never changed the status of this account to " in dispute '' with the credit bureaus. This was almost 5 months ago! This is unprofessional and unfair!
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The incident happen XXXX, 2022. I can't remember the exact date when this happened. My emailed was hacked as well as my phone, and lost my wallet as well. Someone deposited a check into my checking account some where in XXXX Florida at a Wells Fargo bank without my permission. I was unable to get into my wells Fargo app due to password was changed on a lot of my accounts as well as my XXXX XXXX was hacked too. I found out that XXXX was deposited into my account and that the check that was deposited was returned for non sufficient funds leaving my account in a negative. I reported my card lost to Wells Fargo, but didn't know what was going on in my account at the time of reporting it lost due to I couldn't see what was going on with my account. Went to the bank on a Tuesday to find out that it was in a negative and told them that I didn't authorize to deposit any checks and I was no where near XXXX for that weekend. When I was in XXXX working the whole time. They closed my account and stated to do an investigation on my account. They sent me a check for XXXX cents when I know I had more money then that. Never heard nothing back from wells since now. They have been calling stating that I owe XXXX due to overdrawn account. I have told them that how am I liable for something I didn't do.
Product: Debt collection

On XX/XX/2023, I requested that XXXX XXXX XXXX  stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, XXXX  or Equifax.
Product: Checking or savings account

I made a water bill payment on XX/XX/23 for XXXX. Chime said that the merchant declined the payment. When I asked where the money went-because it has not been returned to my account, they said they couldnt see a transaction. I was transferred 3 or 4 times and had to explain the situation multiple times in each conversation because they were not trying to be helpful. They were going to transfer me again but I disconnected. One agent said it was on the merchant, but if my money went to them why wouldnt it show up in my account? And if it didnt go to them, where is my money?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX EST I lost the cell signal on my phone. When I got a hold of other phone to call my provider XXXX they told me that someone changed sim card number. I realized my sim card was hijacked. Hackers then gained control of my cell # and text messages. They used that access to change my email password and then got control of my coinbase account credentials and change all the info required to log in such as email address and phone # - all of it. 

When calling coinbase support - my original phone # or email is not recognized no more and thus I couldn't reach anyone to talk with. I submitted several tickets on their website, but still havent heard anything back. 
I tried calling coinbase from other phone number-finally reached some representative who said I still need to communicate via email in this matter. I have a recorded conversation with an agent. 

After getting my phone number back I immediately changed passwords and froze my credit. Called local police and filed a report. Also reports had been filed with FTC and FBI But this morning XX/XX/2020 I saw several money transfer from my checking account to coinbase.com initiated on the XX/XX/XXXX. 
It's been 5 days and I still can't get any response from Coinbase.
Product: Mortgage

This complaint is submitted on behalf of the mortgage borrower by his authorized housing advocate. The borrowers mortgage loan was transferred from XXXX XXXX XXXX XXXX XXXX to Nationstar Mortgage XXXX XXXX Mr. Cooper on XX/XX/2022. The borrower has not received a periodic statement since XX/XX/2022. 

Mr. Cooper representatives advised the borrower that their records reflect that he filed bankruptcy. The borrower informed them that he has NOT filed for bankruptcy. They refused to address the error. Instead, they said the borrower needs to speak to his attorney if he would like to receive periodic statements. 

The borrower believes this error may be a result of an incomplete, inaccurate and unfunctional transfer of his loan between mortgage servicers. This error also raises concerns about fair credit reporting, since the borrower has been making each payment on time despite Mr. Coopers record of the loan being in active bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION XXXX XXXX AND XXXX XXXX reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, another personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; A COLLECTION with XXXX XXXX XXXX XXXX opened on XXXXunder the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Information - XXXX, Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute the information on my credit reports regarding the XXXX  account, Account Number : XXXX. After careful review of my credit reports from TransUnion and XXXX, I have identified significant discrepancies that need to be addressed urgently to ensure the accuracy of my credit information. 

1. **Date Opened Discrepancy : ** - TransUnion reports the date opened as XX/XX/2019. 
- XXXX reports the date opened as XX/XX/2019. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened raise concerns about the consistency and accuracy of the reported information. 

2. **Monthly Payment Discrepancy : ** - TransUnion reports a monthly payment of {$190.00}. 
- XXXX reports a monthly payment of {$190.00}. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT Discrepancies in the reported monthly payment amounts suggest a lack of uniformity in the data provided by XXXX , which may impact my credit profile. 

3. **Balance Discrepancy : ** - TransUnion reports a balance of {$8200.00}. 
- XXXX reports a balance of {$8300.00}. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistent reporting of the balance on the same account raises questions about the accuracy of the information provided by XXXX . 

4. **Payment Status Discrepancy : ** - TransUnion reports the account as " Late 120 Days. '' - XXXX reports the account as " Late 150 Days. '' -THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting late payment statuses on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX account information from TransUnion. I kindly ask that you delete the account information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the required time frame. 

Sincerely,
Product: Mortgage

MY MORTGAGE WAS SOLD FROM XXXX XXXX XXXX TO CARRINGTON MORTGAGE AND SINCE XXXX 2015 THEY HAVE SENT ME CERTIFIED LETTERS THREATENING TO FORECLOSE ON MY HOUSE BECAUSE THEY SAID I MISSED A PAYMENT WITH XXXX XXXX XXXX WHEN I HAVE PROOF FROM XXXX XXXX XXXX THAT I NEVER MISSED XXXX PAYMENT WITH THEM AND I ALSO HAVE PROOF THAT I HAVE NOT MISSED A PAYMENT WITH CARRINGTON EITHER. I HAVE CALLED SEVERAL TIMES AND EACH PERSON I SPEAK TO TELLS ME SOMETHING DIFFERENT. I ASKED TO SPEAK TO THE SUPERVISOR AND THEY ALWAYS SAY HE IS NOT IN AND THEY PUT ME THROUGH TO HIS VOICEMAIL AND HE NEVER RETURNS MY CALLS. THIS COMPANY IS VERY SHADY AND UNHELPFUL AND I DO N'T KNOW WHAT ELSE TO DO TO FIX THIS. I REALLY NEED HELP TO MAKE THIS RIGHT.
Product: Checking or savings account

I had a car loan with Navy Federal I lost my job fall behind on payments, car got reposed. After car was reposed, I called way prior before today, asking what my options with the loan balance I was informed I would receive a letter in the mail once my car was sold this happen way in XXXX, I never received anything by mail saying my car was sold. I was unaware until today when deposited hit my account and the took my deposit. Funds have been in there prior, and they didn't take those funds. I called explained I never received anything by mail and that I need those funds to pay my bills. they told me I can't get my money because a payment arrangement wasn't set up. I said I never received a letter stating I needed to set that up or who to set it up with. They took XXXX from me and only gave me XXXX from money I had promise bills I was getting today to pay them. I understand a debt is owed but it's just the way you go about things if someone explains they need their money back to catch up on bills they should had said what will you give us today? Not just take XXXX  from me after explaining I needed most of my funds back. the account I had with them was closed and charged off it states that on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to 15 U.S. Code 1681c2, requesting that XXXX and XXXX block the fraudulent information appearing on my consumer credit report within four business days of receiving this notice. The information in question is the result of identity theft and includes fraudulent, inaccurate, and false details related to : A personal loan with XXXX XXXX opened on XX/XX/year>, under account number XXXX. These accounts have resulted in multiple fraudulent hard inquiries and charge-offs reported on my XXXX credit report. I have attached a comprehensive list of these accounts and a copy of my credit report, which highlights the fraudulent items. Additionally, I do not recognize the balances associated with these charge-offs. The aforementioned charge-offs and inquiries were not initiated or authorized by me. They are the direct result of identity theft and fraud. I have included my FTC Identity Theft Report number and supporting documentation from the XXXX Federal Trade Commission to substantiate my claim. A Full and Accurate Investigation has not been done. Every time I dispute they send a notice I need to send my drivers license. I send it in and they make me start dispute all over so that I have to do online.
Product: Credit reporting or other personal consumer reports

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. 
Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX also # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, US BANKRUPTCY XXXXXXXX XXXX XXXX  has violated my rights . 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I HAVE RECEIVED A CREDIT CARD BILL FOR AN ACCOUNT THAT DOES NOT BELONG TO ME. 

THIS IS NOW THE THIRD ACCOUNT THAT XXXX CREDIT CLAIMS I HAVE THAT THEY ARE TRYING TO COLLECT. FIRST WAS A XXXX  XXXX, THEN A XXXX  XXXX, NOW AN XXXX  XXXX. I HAVE SENT DEMANDS FOR DEBT VALIDATION XXXX ALREADY AND INSTEAD OF VALIDATING THE DEBT, I KEEP GETTING BILLS AND MORE CREDIT CARD ACCOUNT STATEMENTS FOR ACCOUNTS I DO NOT HAVE.
Product: Mortgage

I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.
Product: Debt collection

I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and 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. 


XXXX. EQUIFAX Account XXXX : XXXX Please remove it from my credit report. 

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 recorded and retained in your file at the time 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 distributing 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 with 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 DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE 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.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY