23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a family member sent me {$200.00} to my paypal account to for help at this time. I have been out of work since XXXX and have not received any unemployment benefits. I have no source of income. I was sent this money to purchase medicine, do laundry, purchase cleaning supplies, put gas in the car and pay some bills. 
Pay pal immediately released {$50.00}. I called XX/XX/XXXX at XXXX XX/XX/XXXX and asked why my funds are pending. The representative said it's normal when paypal see 's unexpected activity. The representative said the funds should be released by XXXX. At XXXX XX/XX/XXXX Pay pal released another {$50.00}. There is still {$100.00} pending. It is not XXXX and the {$100.00} is still pending. The representative had no resources to offer to verify my identity to help release the pending transfer. And now that I have already complained no one is answering. The recording says they are busy and not able to help at this time. And no one answers online message center. 

Transaction ID XXXX
Product: Credit card

My track record speaks for itself : I've consistently ensured that payments on this account are made promptly, without allowing any to fall overdue. The presence of late payment remarks on my accounts confounds me ; I'm not clear on why they're there. According to 15 USC 1666b - Billing Error, rectifications are necessary.
Product: Mortgage

I paid off my mortgage with Rocket Mortgage late XX/XX/XXXX. Included in the final payment were additional escrow and other charges totaling {$2500.00}. I called to see why to pay those additional charges and was told that after everything clears, the difference would be refunded. At some point in that process, I was asked online if I wanted a check mailed out or a direct deposit. I selected direct deposit into the back account from which I had been paying my mortgage payment for five years or more. I was notified about XX/XX/XXXX that a check had been mailed in the amount of {$2300.00}. I was really angry that Rocket had used over {$2000.00} of my money for 20 days for no reason. Additionally, they had ignored my request for direct deposit. 

I called on XX/XX/XXXX o ask why a check was mailed instead of direct deposited as requested. After a rather frustrating conversation when the agent saw no record of my request for direct deposit, she asked if I would like to have the payment changed to direct deposit and the check canceled and I said, " yes. '' She said the deposit would take 4-5 business days to clear. On XX/XX/XXXX ( more than 5 business days ), I called the company to ask why the deposit had not showed up. The agent finally told me that the company was UNABLE TO DIRECT DEPOSIT THE amount and they had cut a second check and mailed it out. NEVER did they contact me to tell me that they were unable to deposit the amount. NEVER did they reach out to explain WHY they were rewriting and remailing a check. In addition to keeping my money, their lack of communication is infuriating. Now they will have used my money for an additional 15-20 days..
Product: Payday loan, title loan, personal loan, or advance loan

3 years ago I went to One Main Financial to get a loan. I was approved and my loan totaled {$8000.00} plus the interest and taxes it was explained to me that I would be paying back {$13000.00}. Well, that wasn't the truth unknown to me. 
After 3 years of paying on this loan I thought I was done paying on it. I got my bill for the month and it continued to show that I still owed the full {$13000.00} which made no since to me. I contacted One Main and asked them why I still owed so much. I was not given a straight forward answer at all. I was told that my interest accrued daily for 30 days because I only paid my loan once a month. At this point I had already paid over {$17000.00} on this loan. 
In XXXX I informed One Main I could no longer afford the loan payments because I am on a fixed income and {$480.00} a month was too much. I also informed them that at their earliest convenience they could come pick up the car listed on the loan. The car is still at my home. 
On XX/XX/2023 a police office showed up at my home and I was served papers. I had been notified I was being sued by One Main for a total of {$19000.00}. This total is the loan balance plus court fees. 
What I did not know is that at the time of signing for my loan the interest rate was 35.74 % the finance charges were {$15000.00} leaving us me owing them {$29000.00} that is a difference of {$21000.00} dollars. If I had known this was what I was being charged I never would have signed for the loan.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/year>, I received written communication from national Enterprise Systems on behalf of XXXX XXXX XXXX for XXXX accounts. In that communication, Enterprise notes, " Due to the age of your account XXXX XXXX XXXX is not able to file suit against you but if you take certain specific action, such as making payment or making a written promise to pay, the time for filing a suit may be reset. '' The statute of limitations on this debt has run. I have never entered into any written agreement or contract with XXXX XXXX XXXX. Please remove from my credit report and ensure no further contact from this debt collector or XXXX XXXX XXXX. Debt collectors ' account reference numbers are : XXXX and XXXX
Product: Mortgage

Hello my complaint is against Mr. Cooper ( AKA Nationstar ). I am in a covid-19 forbearance and Mr. Cooper fails to adhere to the new FHA guidelines I have contacted them as well as a Hud housing counselor who i believe is being paid off by them as she is clearly no help an quite rude. Mr. Cooper states that i am not eligible for a deferment as my loan was not current at the start of the pandemic. FHA has updated it's eligibility requirements as of XX/XX/2021 and XX/XX/2021 and Mr. Cooper refuses to adhere to them. Please help. I have included the updated bulletins below
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.
Product: Checking or savings account

XXXX, As this is the only way I can contact you ( you have no email, phone, or other contact listed ), I must wonder why you avoid answering my question and keep referring to my account not showing a stop payment request on our part. Obviously it is impossible to request a stop payment on our part if the fraud is only spotted AFTER the check has been debited from our account. If I used the words " stop payment '' incorrectly I apologise, but obviously I was referring to the approximately 4 month period from when US Bank froze the forgers account, to when I had the debited amounts credited back to my account. If the CFPB won't deal with this absurd time period, I'll find another regulatory agency that will!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion regarding its handling of a dispute I initiated concerning an inaccurate account reported by XXXX XXXX on my credit report. This issue pertains to violations of the Fair Credit Reporting Act ( FCRA ), specifically the failure to ensure accurate reporting and proper investigation of disputed information. 

I disputed an account reported by XXXX, which was inaccurately listed on my TransUnion credit report. Initially, the account was reported as charged off in XX/XX/year>. However, after my dispute, TransUnion updated the charge-off date to XX/XX/year> without providing adequate verification or resolution of the inaccuracies. This " update '' did not address my concerns but further highlighted discrepancies in the reporting. 

Additionally, I informed TransUnion that XXXX is reporting conflicting information for the same account to XXXX and XXXX. Despite being notified of this inconsistency, TransUnion failed to investigate the issue thoroughly or take corrective action. This lack of diligence directly violates the FCRA, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable investigation when disputes are filed ( 15 U.S.C. 1681i ).
Product: Debt collection

I do not accept responsibility for ANY debt and I do not acknowledge any debt being collected by ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. 

Now, I received a phone call out of the blue from this company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX asking for a person with a similar name XXXX XXXX. I indicated that they had the wrong person as I am XXXX XXXX and made a point to call them back and demand that they cease calling my number ( I do have the call log if the CFPB wishes to see it ), again telling them THEY HAVE THE WRONG PERSON. The Collection Agent just hung up without acknowledging the mistake. 
Now I am getting mail sent to my home from the same company which I opened by mistake due to the similarity in name. I recognized the name of the collections company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, now sending demands to my home. Again ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is sending collection attempts TO A PERSON WITH A DIFFERENT NAME and violated my privacy by locating my address ( NOT LISTED ) in its attempts to collect a debt. The Collections company has been illegally infiltrating my credit and using illicit tactics to obtain my address in its attempt to collect from a person with a similar name of its debtor. 

This complaint to the CFPB is being done on record to exhaust all avenues of consumer protection prior to legal action against this collection agency for harassment, mental abuse and privacy violations. I will not be harassed and I will fight back. I realize the nature of collections work must be tiring and endless. And I see how it is easy to attack the wrong person when you cast a net so wide. However, That being said I am not going to permit a collector to ruin my name when they were told all they needed to know from day one NOT THE RIGHT PERSON. What gives them the right to invade my privacy and continue to harass me? I do not need to explain my personal business with any collector and they have no justification for this harassment. 

Let this complaint serve as notice to ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX is attempting to collect a debt from the WRONG PERSON. From this day forward they are to make NO CONTACT with me at all. No calls, no letters, no contact with friends or relatives. They are not to abuse my privacy by illicit credit report invasions or checks on my good name. Any further attacks from ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX will be met with swift legal action. Do n't try me.
Product: Debt collection

Problem am having with Bank of America is they are threatening me and sending threatening letters to my address. I do not owe this company and nor Have I done any business with them. Nor have I signed any documents with them. They need to stop Harassing me. This company has No proof or documents of me signing anything.
Product: Credit card

For years, I have been repeatedly charged for fraudulent charges on my Apple / Goldman Sachs card from one vendor ( XXXX XXXX ). 

In total, probably close to or over 100 fraudulent charges. I have raised this issue with the issuer on many, many occasions both on the phone and through the chat feature. I have followed instructions of the card carrier in changing my number and cancelling my card- both of which have been done at least 10-15 times - but the charges continue. 

This situation has caused me to spend hours with the carrier to address these issues and it has caused me significant distress to deal with this issue over the years. This problem has persisted and the carrier now indicates that they are unable to stop the fraud. The carrier also refuses to address the issue with the vendor, XXXX XXXX. 

It is astonishing that a credit card company does not have the capability to block charges from a specific vendor when those charges are fraudulent. It is completely unfair that I have to regularly inspect my account to flag these fraudulent charges. 

I have fully blocked all charges on this card which means I will not be able to use the charge in the future. 

Note that I do not have a current card number because I asked for my card to be disabled.
Product: Student loan

I received a letter saying that I had paid off my loans. Then a little time later I a call from a company ( western asset. management ) saying that I owed them {$18000.00} including interest for a student loan. I never received any paperwork from them, they said they have been sending it but it got returned, I have been at the same address for 30plus years so that 's a little odd I never got a bill, now they are garnishing my wages and I have no idea what to do to stop it ... ..
Product: Money transfer, virtual currency, or money service

I want to add my XXXX bank account to the coinbase account but It prevents me from doing that even after I get the verification code from my phone.
Product: Debt collection

I have sent a Validation of Debt to XXXX XXXX on XXXX requesting documentations that the allege debt belongs to me. they reply with a print out document with my name on in and the allege amount of money I owe but also offering a 40 % discount of the allege original balance they said I owe. I sent a letter to the credit bureaus on XXXX respectfully asking them to do their own investigation and to provide me documentations bearing my signature as a proof that the account belongs to me. which they never reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am concerned that Transunion, XXXX and XXXX are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX  and currently now have 11 credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my Transunion score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my credit reports with XXXX, XXXX  and Equifax for months with no communication or results. I will attach all my letters to prove that I have worked relentlessly to have this work done by them.
Product: Bank account or service

I had an account for around {$1000.00} at XXXX at the XXXX, Wisconsin branch before that bank was purchased by BMO Harris bank. I was unaware that the bank was being purchased, and I was living abroad for several years before learning about the purchase. I then contacted BMO Harris bank to retrieve my money, and they have told me that they have no records of this account. They instructed me to contact the office of unclaimed property in the state of Wisconsin, which I did. They had no records of this account either. I have a banking statement of the account in question from XX/XX/XXXX, but BMO Harris refuses to honor this issue. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XX/XX/ of inquiry XX/XX/XXXXXX/XX/ of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX
Product: Debt collection

I filed a dispute with XXXX about National credit systems a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue. I believe this is because it is a conflict of interest because XXXX connect does background checks for landlords. On the other hand I gave the same information to XXXX  and they were right on it and removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information putting my family and me, and millions of others at mental, physical, and financial risk. I am extremely disappointed with how Equifax has handled reporting this breach. Little if any effort appears to have been made by Equifax to notify the public. It has been nearly a month since the breach and Equifax made no effort to contact me by email, letter, phone, TV, or radio. I found out about this alarming situation first from XXXX. 
Going forward Equifax should be required to monitor every account at no cost to the victims, and to notify victims free of charge and immediately if any fraud occurs. Credit fraud protection should be mandatory and free for every account. 
This should be made right by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd and a waste of local funds and resources when Equifax clearly has records of all those affected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX D.O.B, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 info consists of credit card and installment account opened at XXXX XXXX  on XX/XX/year> acct XXXX, XXXX XXXX opened on XXXX acct XXXX, XXXX XXXX XXXX opened on XXXX acct XXXX. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO credit report. I demand that these items be removed from my consumer credit reports and that all related to said items cease pursuant to my rights within the FCRA and FDCPA law. These aforementioned accounts were not initiated by me they were a result of identity theft and fraud. I have attached a copy of a FTC identity Theft Criminal Complaint FTC Report Number XXXX as proof from the US Federal Trade Commission that all information in this report is accurate. My information was found in the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.
Product: Credit reporting or other personal consumer reports

My information was breach by Equifax, Experian and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on my own behalf. I have a few accounts that are showing me 30- 60days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. The late payments I'm referring to are from the following months : XXXX ( XX/XX/2022 )