23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on forbearance with my mortgage company XXXX sub-serviced by Loancare from XX/XX/XXXX to XX/XX/XXXX. I still made payments, only pushing out a few months until the next month. I was fully caught up XX/XX/XXXX and made extra principle payments. I knew that escrow could be a potential problem so I calculated sufficient funds each month. However, my loan servicer did not calculate correctly and my monthly payment began to fluctuate higher and higher each month. I called and talked with many agents, at least 20 times, and each time I was given different information. I asked specifically for the escrow department. I was given the run around and bounced around from department to department spending endless hours on the phone only to get to someone who acted like they did not understand the situation. On XX/XX/XXXX, I sent a detailed accounting spreadsheet of my escrow payments to XXXX Subserviced by LoanCare. I started at the beginning date of my loan XX/XX/XXXX with initial escrow payment at closing and charted all the way to my most current payment. My current balance is over {$6000.00}. XXXX Subserviced by LoanCare sent an annual escrow account statement dated XX/XX/XXXX with a balance of XXXX shortage and yet another increase to my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated with my Bachelors from the XXXX XXXX this past XXXX and I currently owe the school directly {$7000.00}, for my last quarter. They will not release my official transcripts until this is paid in full and I am trying to further my education by applying to grad schools but ca n't do so unless I have my official transcripts. I have had a payment plan set up with the school since I have started and XXXX continue to make on time payments to pay this balance I have never been late. They are n't willing to work with me on releasing my official transcripts.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I want to dispute an inaccurate, untrue, incomplete, untimely, non-compliant, and possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or elsewise compliant to every single one even each any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2023 This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any written or verbal consent to Transunion, XXXX, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a significant payment toward my balance. It is now less than {$100.00}. It has been very hard for months to just pay my bill and now After 8 calls, a representative told me that they have an issue with the system and I'd have to ask a supervisor or someone of the sort to send a letter to the credit bureaus to force the update. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint, to CFPB Complaint XXXX, that I filed to TransUnion, about a collection agency falsely placing a collection item on my credit bureau reporting for some {$2600.00}. Since then, in a separate complaint that I filed with the CFPB against that collection agency ( " XXXX XXXX XXXX XXXX '' or " XXXX '' ), they have responded on XXXX that they and their client can not 'confirm or deny ' the accuracy of the account falsely reported to the XXXX major credit bureaus ( see attached ). That is evidence, in-and-of-itself that the account should not appear as a legitimate collection item on my credit reports, but that the collection agent has a duty to investigate it and verify it, and until they can do that, should not in the interim report the item to my credit bureau reports. XXXX, having acknowledged that that can not determine its legitimacy, needs to delete it immediately.
Product: Debt collection

My collection was taken off my consumer report and them was put back on my credit report which is illegal under the rights with Consumer Law. I never gave them consent to put that on my consumer report I also wrote them an affidavit along with an invoice for the damages they have caused me by this action of them putting that collection on my consumer report, and they have not responded back to me.
Product: Debt collection

NATIONAL CREDIT AUDIT reported an existing account on my name with the amount of XXXX $ and opened XXXX/XXXXXXXX and the last reported was on XX/XX/2022 with a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Transunion on XXXX about fraudaulent accounts that i discovered on my credit report that has caused detrimental effects to my health and credit. The accounts that I disputed were not authorized by me and I have never under perjury of penalty of the law received any of the services or transactions. I have contacted the creditors and completed all of the procedures needed to prove that I am a victim of Identity theft. I have sent Transunion my FTC affidavit, My dispute letter, identification, and my social security card. The accounts are 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 XXXXXXXX
Product: Debt collection

This is a formal and urgent demand for the immediate validation of an alleged debt that Kia Finance America claims I owe. Upon reviewing my credit report, I noticed an entry from Kia Finance America. However, there is no corresponding account number listed on the report, which only adds to the suspicion that this debt is either incorrect or entirely fraudulent.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : 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  : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

I am writing to lodge a formal complaint against American Financial Network , IncXXXX ( XXXX XXXX XXXX XXXX ), specifically regarding the conduct of their Producing Regional Manager, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), and the overall practices of the company. 

In XXXX, I sought funding for a property investment through a XXXX loan and was referred to XXXX XXXX XXXX by a realtor. My experience with this company has been nothing short of egregious and has resulted in significant financial harm to myself and my company. 

XXXX XXXX include : XXXX. Misleading Information : XXXX XXXX XXXX provided inaccurate information during the qualification process, leading to a false sense of assurance regarding the loan 's feasibility. 

XXXX. Lack of Transparency : Crucial updates on rates and loan estimates were consistently ignored or mishandled, despite repeated requests for clarification. 

XXXX. Inflated Fees : The loan estimate provided by XXXX XXXX XXXX contained exorbitant fees and charges, significantly inflating the amount required for closing. 

XXXX. Deceptive Practices : The company engaged in deceptive tactics, including cropping timestamps from rate screenshots and failing to provide transparent communication regarding rate locks. 

5. Negligence and Unethical Conduct : XXXX XXXX XXXX demonstrated a lack of professionalism and accountability, evidenced by errors in appraisal orders, attempts to manipulate rental comparatives, and a general disregard for ethical business practices.

The culmination of these issues has left me facing substantial financial loss, including the risk of forfeiting over {$32000.00} in earnest monies. Despite efforts to address these concerns with XXXX XXXX XXXX, their refusal to engage and resolve the issues has left me with no recourse. 

I urge the Consumer Financial Protection Bureau to investigate the conduct of XXXX XXXX XXXX and take appropriate action to protect consumers from further harm. Additionally, I request assistance in remedying the financial damages incurred as a result of their deceptive and unethical practices. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I deposited {$3000.00} into my account from my debit card XXXX minutes after I did that My phone number was unlinked from the account and so was my card then {$2.00}, XXXX was deducted and withdrawn to an account that I do not recognize and was not me. 

I spoke to cash app customer support and it was nothing that they can do to resolve my issue and refund me my money back.
Product: Money transfer, virtual currency, or money service

I am concerned regarding zelles handling of disputes especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately.They informed me that recovering these lost funds was un feasible. The CFPB findings indicate that zelle has neglected to protect consumers and allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX Experian XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX  XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to Experian at XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account.

While checking my credit report, I noticed accounts, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent addresses which will be listed below.

FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$5000.00} Balance updated : XX/XX/XXXX Credit limit : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Open Account FRAUDULENT AUTO LOANS! 
XXXX XXXX XXXX Balance : {$22000.00} Balance updated : XX/XX/XXXX Original balance : {$43000.00} Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXX Account type : Installment XXXX XXXX XXXX Balance : {$6800.00} Balance updated : XXXX XXXX, XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment XXXX XXXX XXXX Balance : {$640.00} Balance updated : XXXX XXXX, XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX and let them know they ran my Equifax credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if XXXX inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.
Product: Payday loan

On XXXX/XXXX/XXXX I applied for a payday loan from XXXX also known as XXXX in the amount of {$400.00} with a {$120.00} finance fee. It also stated my payment was due on XXXX of each month which would automatically pay down by 5 % of the original principal balance plus the finance fee, and will continue to pay down by 5 % of the original loan amount in addition to the finance fee on each following due date until the loan has been successfully paid off. I could only pay the {$120.00} monthly so the balance of the loan never decreased. They were deducting the funds from my XXXX XXXX XXXX visa debit card for 4 months. I had to close the account because of the large amount of interest that was being charged. XXXX website states I no longer have an open account with them according to their website. As of XXXX/XXXX/XXXX I have been receiving threatening collection phone calls from Amati and associates from a agent whose name is XXXX XXXX at XXXX. XXXX stated that I have XXXX criminal charges pending against me and that if I do not pay {$720.00} I will be served a court order. She stated if I pay I can apply for a stand down and make payment arrangements. I feel like I have been apart of predatory lending and that enough has already been paid back in interest.
Product: Debt collection

NCB Management has made repeated attempts to contact me by phone after being instructed no less than two times to cease attempting contact.

NCB Management had been contacting me by email also, so I used that email address to send them to notifications, one dated XX/XX/2021 and one dated XX/XX/2021 directing them to cease further attempts to contact me or associates. 

I received no response to either communication. In my requests I had asked for a confirmation letter to be sent, and none was. 

Despite my attempts NCB Management has made several calls each day of every weekday.
Product: Money transfer, virtual currency, or money service

Cash app has closed my account on XX/XX/year> and hasnt given me a reason Ive used my card for regular purchases and merchants and they randomly closed my account and wont give me a reason Ive been contacting them for months no response Im not the only one who account was randomly closed with no reason or evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90  days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.