23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX -BALANCE {$7200.00} Account Name : XX/XX/XXXXXXXX -BALANCE {$25000.00} Account Name : XX/XX/XXXX-BALANCE {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company is reporting erroneous debt to Experian in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX    XXXX   in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to Experian. Experain has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX   XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  home mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without 30 days notification and transfer information, XXXX Bank transferred my home mortgage loan to Mr. Cooper, affiliation of XXXX XXXX XXXX, on XXXX after I made my XX/XX/XXXX mortgage payment to XXXX ; however, XXXX bank neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has Mr. Cooper reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to Mr. Cooper non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called Mr. Cooper and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for Mr. Cooper to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, Mr. Cooper has emailed ( XXXX ) to inform of new home mortgage information with Mr. Cooper will be serviced through XXXX, a sub service by Mr. Cooper brand. At this point, I don't know where my XXXX  XXXX mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a XXXX XXXX mortgage and 100 % XXXX veteran to be treated as such.
Product: Mortgage

Good afternoon, Wells Fargo is denying to remove forced placed insurance after showing proof of Insurance in XX/XX/XXXX. This insurance was placed by XXXX XXXX because according to Wells Fargo they sent letters to request proof of insurance and there was never a response Regarding this issue. Also Wells Fargo has no proof that the proof of Insurance was not submitted. I was never aware or never received proof of an insurance premium being purchased on my behalf in XXXX. 
The contact phone number for Wells Fargo is XXXX XXXX XXXX Thank you for you interest regarding this matter. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX currently reports on my TransUnion credit report inaccurately. A violation of FCRA rules. 

Currently XXXX XXXX XXXX reports inaccurate name and address that does not belong to me. This is a violation of FCRA rules section 1681. 

Currently XXXX XXXX XXXX  reports inaccurat outstanding balance on this account a violation of FCRA rules section 1681 Currently XXXX XXXXXXXX XXXX inaccurate payment history and last date of payment. A violation of FCRA rules section 1681
Product: Credit reporting or other personal consumer reports

The Social Security Administration declared me deceased accidentally. On XX/XX/year>, I went to the social security office and showed proof of life and was given a letter stating they made a clerical error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Additionally, my husband and I lost a house we were closing on because XXXX XXXX XXXX  and have no active credit for a loan. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved immediately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am unable to get a house because my amazing credit score no longer exist because of a SSA clerical mistake I did not make or deserve.
Product: Mortgage

I refinanced this mortgage on XX/XX/2020 and paid my property taxes through my new escrow due to LoanCare having not submitting payment yet. During the final stages of funding, LoanCare paid taxes on my property after my new escrow had already paid them in full. 

I was then notified by my county tax assessor-collector that my property tax payment was overfunded by {$4500.00} on XX/XX/2020 due to two full payments and has credited the second payment back.

I have been trying to contact LoanCare to determine how to retrieve this overpayment back, but have only received one reply after several inquiries and the reply was unrelated to this issue.
Product: Credit card

XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.
Product: Credit card

My credit limit was unilaterally decreased by {$6400.00} without previous notice thus resulting in transactions being denied. When I called, I was advised that a letter was sent out on XX/XX/XXXX however the decrease was unbeknownst to me until XX/XX/XXXX. I did not receive this letter they claim was mailed. They gave no other information except that I have to call the number in the letter for the " reasons '' of the decrease. I am a long time customer and for this to be unilaterally done to me is unjust
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my grave concern and to seek immediate resolution regarding fraudulent activities on my XXXX credit card ( account # XXXX ), which have severely impacted my credit report. My identity was stolen and used to accumulate charges totaling {$10000.00} on this card. Despite promptly contacting XXXX to report this fraud, my claims were dismissed and not taken seriously, denying me the justice I am owed as a victim of identity theft. 

In addition to contacting XXXX, I also disputed this account with Experian in XX/XX/. I sent the dispute via XXXX XXXX XXXX, with the tracking number XXXX, and it was confirmed as delivered on XX/XX/. However, to date, I have not received any communication regarding the results of this investigation, nor has the fraudulent account been removed from my credit report. This lack of response and action from Experian is a clear violation of my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ). 

Given the seriousness of this matter, I am requesting again Experian to conduct a thorough investigation into these fraudulent charges and the initial handling of my dispute. Furthermore, I ask that you provide me with detailed information about the investigation 's outcome and the steps taken to rectify my credit report. 

It is imperative that this issue is resolved promptly to restore the accuracy of my credit report and to uphold my rights as a consumer. Please send all correspondence and the results of your investigation to my address listed on my driver 's license. 

I appreciate your immediate attention to this urgent matter and expect a swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXX XXXX XXXXXXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ACCOUNT XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  ( XXXX ).
Product: Payday loan, title loan, or personal loan

Payday loans with this amount of interest or illegal in my state which is Virginia. I applied for a short term loan which was {$400.00} in XX/XX/2018. They are charging 720 % interest claiming they are operating under federal tribal law. In Virginia it is a class 2 misdemeanor to charge this amount of interest. I am attaching pictures. What they are doing in my state is illegal. Offering internet loans.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reportinXXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. These accounts and balances do not belong to me, and this situation constitutes fraud and identity theft. 

I have repeatedly submitted letters and requests to have these accounts removed, yet no action has been taken after several months. I have attached letters from XXXX and XXXX, both of whom have confirmed that these accounts should be removed. It is imperative that this issue is resolved immediately.
Product: Vehicle loan or lease

XX/XX/2023 flagship crediti acceptance changed my account number and didn't notify me at all..so when I made my payment in XX/XX/2023 it went out to wrong company and I had to cashe that out and resend it to their overnight processing office ... I have never been late with them even when XXXX and flagship first sold me a car that neither one had a title for I still paid..I have sent both of my XXXX and XXXX payment in by usps and someone signed for it and they claimed they haven't received it, ,but now they are charging me XXXX per day in interest and no one is helping me from flagship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Dept of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX AND XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Roughly about two weeks ago, I received a call from a representative, from Freedom Mortgage, to set up my closing date. The representative provided the closing numbers, Rate : 2.25 %, Loan Amount : {$440000.00}, Monthly Payment : {$2700.00}, and next payment date of XX/XX/2021. The closing date was scheduled for XX/XX/2021, at XXXX XXXX 

I called Freedom Mortgage on XX/XX/2021, to obtain a copy of the closing statement in preparation of the closing date on the XXXX. The representative XXXX XXXX XXXX emailed me a copy of the closing statement. The closing statement had different numbers than what was presented to me by the representative scheduling my closing date. The Loan Amount had changed to from {$440000.00} to {$450000.00} and the Monthly Payment from {$2700.00} to {$2700.00}. I asked XXXX to look into the issue ; she said she would escalate the problem up her chain-of-command. 

After carefully reviewing the documents, it is clear that Freedom Mortgage is not deducting the previous escrow balance of {$5300.00}, from the Loan Amount or the Pay-off balance. Freedom Mortgage is currently servicing the original loan/mortgage and they hold the escrow balance of {$5300.00}, which is not credited in the closing statement attached. With the escrow balance credited XXXX {$5300.00} XXXX, than the total loan amount is about $ XXXX, as presented by the representative scheduling the closing date. The closing date is tomorrow. I've emailed XXXX and XXXX a couple of times with not resolution. As a matter of fact, XXXX send me the same closing statement earlier today with no changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my XXXX credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer XXXX credit reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Hi its 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Checking or savings account

The Citi Offer Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit : Open your account by XX/XX/XXXX Deposit {$15000.00} in new funds ( not currently with Citi ) into your checking account within 30 days. 
Maintain the {$15000.00} balance for 30 consecutive days following the deposit XX/XX/XXXX I initiated the account opening process. I chose the on-line funding option. 
I provided my account information in XXXX XXXXXXXX XXXX and my authorization to withdraw {$15000.00} from it to Citi to meet the required deposit. The fund was available in XXXX XXXX XXXX. There was no account number provided to me during the account opening process. 

XX/XX/XXXX Citi Email indicated that I was not an account holder and could not use the account. I responded the email accordingly. There was no account number provided. Attachment XXXX. 

XX/XX/XXXX The fund of {$15000.00} was taken out from my XXXX XXXX  XXXX account by a draft issued by Citi according to the XXXX XXXX  XXXX account record. 
Attachment XXXX, XX/XX/XXXX Citi Email indicated that Account application was approved. Attachment XXXX. 

The checking account was kept in good standing from XX/XX/XXXX to XX/XX/XXXX without getting any bonus or interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). 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 process was unfair and deceptive, as they did not Comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Last 4 of social : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Re : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX UPDATE TO OPEN AND NEVER LATE 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX PAID CLOSED NEVER LATE I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for repeatedly inaccurately reporting the delinquency dates of several accounts held with Navient on my credit report. Despite multiple attempts to rectify this issue directly with XXXX, the erroneous information persists, adversely affecting my credit score and financial standing.

Key Details of the Dispute : Original Delinquency Date : The accounts in question became delinquent in XXXX This date should legally mark the commencement of the seven-year period for the information to remain on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Last Payment Date : The last payment made on these accounts was in XXXXXXXX However, this payment did not bring the accounts current. According to the FCRA, the date of the first delinquency should remain the start date for the seven-year reporting period, even if subsequent payments were made. 

Evidence Submitted : In my disputes with XXXX, I have provided clear evidence, including account statements and records, confirming that the delinquency date for these accounts was indeed in XXXX and not XXXXXXXX 

Repeated Disputes and Lack of Resolution : Despite providing adequate evidence and engaging in multiple disputes, XXXX has failed to correct the delinquency dates on these accounts. This continued misreporting demonstrates either a significant oversight in their dispute resolution process or a willful neglect of accurate credit reporting practices. 

Impact on Me : This incorrect information has unjustly lowered my credit score, potentially affecting my ability to obtain credit, secure housing, or even gain employment. The emotional and financial stress caused by this inaccuracy can not be overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.