23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I acquired a loan with Homepoint financial for {$410000.00}. I paid my mortage every month and on time. On XX/XX/XXXX, my mortgage was transferred from Home Point Financial Corporation to Mr. Cooper, powered by XXXX. Then I recieved notice that effective XX/XX/XXXX, the servicing of your mortgage with XXXX XXXX XXXX, Account XXXX. ending in XXXX, for the property located at XXXX XXXX XXXX, XXXX, TX XXXX, has been transferred to Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. The entire time, I have made my payments on time. Now that I am doing my bookkeeping for XXXX and XXXX, I see that homepoint made a grave mistake. They did not report my payments to Mr Cooper. As of now, there is over {$13000.00} in payments that have not been accounted for on my loan. I tried reaching out to Homepoint via phone and email. I can not get anyone. I reached out to Mr Cooper via email many times to procure my mortgage statements and XXXX from XXXX. I have not gotten it. I did get the XXXX XXXX and it shows the mistake made. When I look at the statement, it shows my outstanding mortgage principle to be {$410000.00} for the end of the year. This means they did not credit me for a single payment made. Notice the end of XXXX balance is also the same amount as the begining amount for the mortgage at XX/XX/XXXX. I am messaging you because I have exhausted all means and this is an EXTREMELY serious mistake. My original mortage account number with Homepoint was XXXX. My new mortgage account number with XXXX XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax can not explain to me why my credit score has decreased. I use XXXX XXXX and my Equifax score is significantly lower than XXXX ( XXXX points lower ) and XXXX ( XXXX points lower ). On XX/XX/22 Equifax reported a XXXX point decrease from XX/XX/22 and per the XXXX XXXX 's credit report for Equifax the XXXX changes on my report were that XXXX of my accounts had a balance decrease. I spoke with an agent at CFPB and they informed that I should contact Equifax directly prior to filing a complaint with your agency. I got a free copy of my credit report from Equifax which has the exact same score as XXXX XXXX. I spoke with an Equifax agent and asked for justification of the decrease. He attempted to give me a lesson on credit. I told him I had a pretty good understanding of how credit works I just needed to know what changed in my credit to cause a decrease of XXXX points in my credit score. I told him that I have not used any of my credit cards in the last month to increase my balances, no late or missed payments, no new credits applications so to my understanding of how credit works my score at the very least could have only stayed the same but by the other 2 agencies my score had actually increased for the reason that balances were paid down. He attempted to tell me the same thing. I asked for the call to be escalated to a supervisor who attempted to tell me the same thing. I was told they did not know what my score was on XX/XX/22 and could not tell me why it decreased XXXX points. I would think if a company has so much power over something so important and critical to consumers today they must be held liable to justify the reasons for their actions.
Product: Debt collection

I had lost all my finance my business my work abilities due to XXXX XXXX for the second time I had no gainful employment due to health reasons I no longer can work Ive contacted XXXX due to someone opening up a account in my name that person was living my identity paying the bill and not paying the bill Ive had sent XXXX a copy of my health chart proven I had XXXX XXXX it was stated that this account will be disputed it was never taking care of the bill was still being current with charges next thing I was emailed a XXXX from a collection agency MRS I have no ownership to this account I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists
Product: Vehicle loan or lease

I have requested the lien holder ( Ally Financial ) to send my vehicle title to the DMV in New Jersey so I can register my vehicle. My lien holder decided to send my title to Florida instead. After weeks of waiting they finally recieved the title back. I was advised they were sending it to the correct DMV and it would be there in 2 days. I waited the 2 days and it was still not recieved. After waiting 2.5 weeks I called my lien holder back to find out what is going on and they stated they never sent it out. They are claiming to need a signature ( which I have provided in the beginning of the process ). It has been close to 3 months of them effecting me, my job, and my family. I am being forced to pay for my vehicle that they are preventing me from using. Every employee there is giving me different excuses and brushing me off. They are also ending the call, preventing me from leaving any comments on the service ( even when I opt into taking the survey ).
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution bcess was unfair and deceptive, as they did nei comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and commeless on and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information for all 3 bureaus. I know Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. as well as conduct a proper investigation. I have higlighted the information that is wrong for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXXXXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.
Product: Consumer Loan

Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew
Product: Credit reporting or other personal consumer reports

I have a complaint and would like to file a complaint. I disputed negative items and errors on my credit report, XX/XX/year>. however, during and after the dispute process my accounts were not marked as required by law under Section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). This illegal misdoing entitles me to up to {$1000.00} in damages as well as all future attorney fees covered should a civil complaint follow. Also according to the Federal Credit Reporting Act, all credit bureus are subjected to and required by law to accurately and timely investigate disputes. Credit Bureaus are required to mark disputed accounts, not doing so is illegal.

I have attached photographic copies as proof my disputes were not accurately and timely marked as required under Secion e ( 8 ) of the FDCPA.
Product: Student loan

My student loan servicer Navient has for the last two years made signing up for a repayment plan that fits my budget extraordinarily difficult. Last year it was failing to process my IBR renewal in time and letting my plan default to the 10 year schedule. This year it is attempting to defraud me of more money by failing to accurately verify my household income. And this is on top of the already usurious interest rate I am charged by the federal government. 

The fact that this life destroying evil is allowed to fester and get worse is a testament to how corrupt this country has become. This once proud American is now ashamed to call himself one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau XXXX This debt is past the statute of limitations and should no longer be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Wells Fargo card services Credit Bureau dispute XXXX XXXX, IA XXXX I never applied to this company This is an invalid inquiry on my credit report inaccurate and unauthorized.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear CREDIT COLL, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, Missouri, state laws.

It has unequivocally come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent forCREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to address an ongoing issue that requires urgent attention. Despite repeated attempts and seven letters submitted, it has come to my notice that the following accounts, which have long been removed from XXXX, still persist on my credit report with Equifax and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urgently request that you take immediate action to rectify this situation by promptly removing these inaccurate accounts from my credit report. The extended presence of these accounts is negatively impacting my credit profile and causing unnecessary distress. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frontline Asset Strategi reporting derogatory marks on my XXXX  credit report onXX/XX/XXXX in the amount of {$1200.00}. Upon the research this account was transferred from XXXX and l am no longer responsible for this account. Debtors creditors did not verify this collection or no written form of communication, signature of contract for this accused debt at all. A bill without a signature does not validate the debt. According to FCRA Frontline Asset Strategi has to validate. My rights as a consumer have been violated and Im requesting to legal call to action to remove this account immediately. Please terminate collection efforts by removing from all credit bureaus ( XXXX, XXXX, XXXX  ) due to failure to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX
Product: Debt collection

Screaming at my Manager and sharing information Called them names and Hangup every time, Calling my family members and asking for me saying is about credit debt
Product: Debt collection

On XX/XX/XXXX we received a letter from XXXX XXXX XXXX that we allegedly owed the landlord from my college apartment for {$1200.00}. Since the I had not lived there for almost a year, I called the XXXX XXXX XXXX XXXX on that same day to determine what this letter was about. I was told the landlord claimed damage to a couch in the apartment and that a key was returned late. I asked them for proof of both claims and they told me the matter had been sent to collections and that we needed to take the matter up with the collections firm. On XX/XX/XXXX I sent certified letters demanding proof of the alleged debt to both the Law Office of Brett Borland, which was the return address on the collections letter, and to the office of record for the landlord XXXX XXXX XXXX XXXX. No response was received. On XX/XX/XXXX I sent a second demand for proof of the alleged debt along with demand that if they failed to provide such proof within 30 days that they drop their fictitious claims in writing immediately. To date neither organization has responded and the negative impact of a collections report on my credit is preventing me from refinancing my student load debt which costs me more than {$400.00} a month in unnecessary interest charges.
Product: Credit reporting

Transunion has screwed up my credit. When I called I talked to " XXXX '' in XXXX, I asked to speak to supervisor and was transferred to " XXXX '' in Pennsylvania who immediately hung up on me. They do not answer questions or try to deal with issue. the people in XXXX can not even understand English. Due to their incompetence I can not find a place to live. They need to be shutdown and never allowed to have any influence on anyone 's life. My report is wrong and they do not care what so ever about correcting it. If something is not done immediately my next letter will be to Mr trump ( who is a family friend ) I am not messing around they are rude and incompetent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Credit Report Entry and Request for Investigation To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Account XXXX XXXX, original balance {$41000.00}, account number XXXX. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for XXXX, XXXX, or Eqifax to access or furnish my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, XXXX XXXX numbers got compromised on Synchrony Bank 's end and even though I never lost my card, the bank went ahead and replaced it with a new card that had a different number which was okay. A month later I noticed Synchrony Bank reported the replacement card as a different account on all my three major credit reports, while listing the cancelled card as a closed account. This is a huge mistake since I only opened and signed for one XXXX XXXX with Synchrony Bank and they should only report a total of one account to the credit bureaus and not two. I had other cards issued by Synchrony Bank replaced due to fraud and never reported twice. 

I attached a picture of my XXXX  credit report as of today showing a clear duplicate listing of my XXXX XXXX and that's how it's listed on the other two credit reports.
Product: Payday loan, title loan, or personal loan

Several acct, XXXX XXXXXXXX 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, all broke into our address at XXXX XXXX XXXX XXXX XXXX, one time while we slept during day hours just walked in stole cellphones that had all our info stored in. Stole from brother home where items were locked with padlock in spare room.
Product: Vehicle loan or lease

See all the complaints associated with my name. They all are the same and will continue until justice is served. 

Wells Fargo committed fraud against me. Wells Fargo continue to respond to my complaints with fraud. First it was XXXX XXXX, and now XXXX XXXX Who will respond next and allow themselves to be conspiracies of fraud. See the attached documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX Your response to case number : XXXX is fraudulent. It was total ignorance on my part to think Wells Fargo would respond with honesty, standing by the myth of trying to make things right from violations that occurred by Wells Fargo. The repossession was not deemed valid. The repossession was from an error Wells Fargo made. See attached documentation that came from Wells Fargo dated XX/XX/XXXX. 
You applied unnecessary XXXX insurance on my file from XXXX XXXX  XXXX XXXX XXXX  XXXX, according to these documents you provided. The late admission of guilt excluded me from receiving compensation with the class action lawsuit, Case # XXXX. 
Respond to the illegal acts Wells Fargo committed against me which now has a case # XXXX ( XXXX ) Stop breaking down XXXX insurance, negating the fact that Wells Fargo made countless errors on my file and continue to cover it up. Show proof that Wells Fargo acted in accordance to the XXXX XXXX XXXX. 
Address why Wells Fargo agrees to pay the additional {$28000.00} offered through mediation. The {$28000.00} doesnt reference that due to non-payment and the account being 102 days past due. Why offer an additional {$28000.00} on top of {$5600.00} if Wells Fargo didnt make a mistake? 
Stop your fraudulent behavior. Were is your code of ethics? 

XXXX XXXX
Product: Debt collection

XXXX XXXX  / XXXX / Walmart / XXXX XX/XX/2017 Attempting to collect a Charge-off account NOT in my name. 
I requested them to verify the names on the account which is NOT my name. but they still have it on my credit report. 
the amount is {$1400.00} for the fake XXXX account. 
the amount is {$1800.00} for the fake Walmart account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX is a living human being. Ive read my rights concerning credit reporting agencies. Under the Fair Credit Reporting Act Law 15 USC 1681 Equifax has violated my rights a number of times by law 15 USC 1681 I demand all of these accounts be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish any of these accounts. 
Furthermore Equifax has Violated 15 USC 1681 b ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. 
I demand all of these negative accounts be moved from my consumer report and file. 
XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX