23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX transferred my loan to XXXX the loan was current with XXXX. When the loan was transferred XXXX had put in the XX/XX/XXXX and XX/XX/XXXXpayment owing as fees owed to XXXX XXXX which was made to XXXX in XX/XX/XXXXand XX/XX/XXXX my monthly payment. XXXX is showing more moneys owed which is not correct I should only have a XX/XX/XXXXpayment owed of XXXX. XXXX  is showing XXXX which is incorrect. XXXX XXXX account number is XXXX phone number XXXX. XXXX XXXX loan number is XXXX, Citi Morgage tranferred foreclosure fees and attorney fees which were collected in the chapter XXXX with the trustee. Citi Morgage account number is XXXX number is XXXX. The amount of XXXX of attorney fees and forecloser fees were paid from the trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX  open date XX/XX/XXXX amount {$540.00} account # XXXX, XXXX XXXX XXXX open date XX/XX/XXXX amount {$13000.00} account # XXXX, Dept Of ED/XXXX open XX/XX/XXXX amount {$3500.00} account # XXXX, Dept Of ED/XXXX open XX/XX/XXXX amount {$5600.00} account # XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to RESURGENT/LVNV FUNDING, yet RESURGENT/LVNV FUNDING is not removing these fraudulent accounts. RESURGENT/LVNV FUNDING has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA XXXX ( 15 U.S.C. XXXX ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt. The followings are the fraudulent accounts : RESURGENT/LVNV FUNDING /acc. XXXX, XXXX. XXXX.
Product: Debt collection

I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. 

When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. 

Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Hard inquiries that am not aware of an thats a violation of consumer rights XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Hard inquiries thats am not aware of and thats a violation of my consumer rights XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXX Experian XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Experian on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have reached the presence and access of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat XXXX attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 

Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00} I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXy : XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX   but not transunion or XXXX  and it dropped me over 30 points that it shouldn't have. And now XXXX and trans are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Product: Mortgage

I was charged more than the original loan amount by XXXX, loan # XXXX. The payment history showed I paid the principal amount off XX/XX/XXXX. I disputed the final payoff of XXXX due XX/XX/XXXX. I asked them to review the payment history which showed that I had paid off the principal already. They transferred the loan to Bank of America, loan # XXXX effective XX/XX/XXXX. Bank of America sent me a payment notice. I contacted Bank of America and was assigned XXXX XXXX, XXXX ext. XXXX to help resolve the complaint. She had difficulty resolving the problem because XXXX did not provide the full records as requested. After dealing with the problem from XX/XX/XXXX to XX/XX/XXXX and not getting the problem resolved, I sent them what they said I owed. I was told no late charges would be accessed and no late payments would be reported to the consumer bureaus. The account was reported as 60 days late by Bank of America.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve issues with fraudulent accounts and incorrect personal information on my credit report, but despite mailing and calling several times, there has been no progress. I have an FTC report reference number, XXXX, and I am attaching all supporting documents for review. 

I have sent written letters and issued verbal cease-and-desist requests to all fraudulent collection accounts ; however, I am still being contacted, which constitutes a violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian submitted a statement to the CFPB amounting to fraud. It stated that the dispute, XXXX was completed and information was sent. This is impossible. Experian as of this date of this response still have the dispute open, since there is indisputable proof that this was fraud and a letter from the creditor was uploaded as proof. No information was received by Experian as described in the resolution. As of today 's date and checked at XXXXhrs, XX/XX/XXXX, Experian 's dispute center states verbatim " This account is currently under dispute ''. The response is a complete falsification, a lie according the " My dispute Center '' within Experian and amounts to FRAUD ACCORDING TO THE FTC REGULATIONS. Experian chose to lie to the CFPB in order to meet the timeframe for reporting. 

In addition it has already been removed from XXXX  ( See attachment ) I am uploading the document from today at XXXXhrs, XX/XX/XXXX, showing the open dispute. 

Experian lied to meet the deadline.
Product: Student loan

During several long spans of time while trying to repay my student loans, while teaching in a public school, I suffered some financial set backs where I was unable to make full loan payments. When I called to asked the servicer about my options, I was always steered toward forbearance. They told me that partial payments didn't count toward XXXX, so it didn't make sense to make that payment at all and that I should just do the forbearance until I was more financially stable. This was correct at the time except that I was still accruing interest and not making any progress on that, which is predatory. Now, that the new waiver is being applied to partial payments, people who did make partial payments are having those months count toward their forgiveness, while those of us to took the advice of the servicer do not. This does not see like a fair and equitable practice. I would have made a partial payment of what I could afford if I had not been steered y my servicer. Forbearances and deferments should count toward XXXX counts under the new waiver.
Product: Debt collection

I leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I always get an email on Wednesday evenings by XXXX letting me know my direct deposit went through. Never got on on XX/XX/XXXX. XX/XX/XXXX came and still no money. No email, nothing from capital one informing me of any issue or what the problem was. I had to find any info out on XXXX from other people affected phone calls to the bank. I called over 10 times and got different excuses but no real answer. The local branch even told me they don't even know what the issue is and therefore can't even give us a time or day we will get our money. At this point I feel they've been hacked and our income is gone.
Product: Checking or savings account

Being repeatedly charged overdraft fees for payments I actively told Wells Fargo to stop payments for, for over a year, to the ball park of {$1600.00} in overdraft fees alone.
Product: Credit card or prepaid card

I opened a Room 2 Go credit card issued by Synchrony Bank in XX/XX/XXXX  for $ XXXX. I used it to purchase furniture. I was told that for 5 years my payment would be the same with no interest. I was making the payment and they would choose to lower my limit periodically. In doing so it appears that the card is constantly maxed out and that impacted my credit score. I ask and they stated that it was their choice due to so. However, they have recently closed the account with no explanation. I am no longer able to view and pay the bill on the app as I always have. I am being contacted stating that I need to pay the bill and I am not able to. I tried go online and paying the bill and it gives an error message and tell me to contact them at a XXXX number. I call the number and it is automated. My balance is confirmed, and I am told that I can not make a payment over the phone and to go online. I am fearful that I will have a late fee and payment due to no fault of my own. They have made it difficult to pay the bill and is negativity affecting my credit score. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX  report and it listed this account reported by XXXX : SYNCB/WALMART DUAL CARD Account Number XXXX Amount Delinquent {$23.00} Payment Status Collection/Chargeoff I have NEVER had a Walmart card . I refuse to shop there. I boycott the store due to their unethical practices and treatment of employees. 

I have NEVER received any kind of statement or anything related to this. No call - usually I get an identity theft call. I never even knew this existed. I AM EXTREMELY UPSET AND DEMAND IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my Equifax credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate
Product: Debt collection

Im not sure what the debt is for but they called an ex girlfriend of mine who is also the mother of our child. I am XXXX  in XXXX and they should not be contacting ex girlfriends.