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

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have owned my house for 12 years and always make my payments on time. A few years ago my loan is transferred from XXXX XXXX XXXX to Nationstar. In XX/XX/2016Nationstar made a mistake crediting my account and they contacted me to say I was late. I disputed this and asked them to look into it. I was treated very poorly by Nationstar at this time. I asked for a supervisor for help and they said no. I requested a Spanish speaker and they would transfer me to different departments but I could never get help or answers. Nationstar was demanding that I make a double payment on the mortgage plus late fees but this was their mistake. I kept trying to fix this but Nationstar will not work with me. Finally I hire an Attorney to help and then Nationstar says in a letter it was their mistakebut now I was six months behind and they said I had to pay all the late payments at once. I try to get them to work with me but instead of playing fair when it is their fault, they foreclose on my home in XXXX. Nationstar needs to be investigated by your people because they are doing bad business.

We bought this house with 100 % financing and a very bad first mortgage loan that is adjustable. My main language is Spanish and I did not understand the documents that I was signing. This loan had an interest rate of 7 % and then just a few years later the rate went up to 10 %! This was very high, but I still made sure to pay the bill each month. I always paid the bill each month. I live in this home with my wife and two children and I work as a landscaper. A few years ago the loan was transferred from XXXX XXXX XXXX to Nationstar. Then the problems begin when my monthly payment is not credited. I found out about this and started contacting Nationstar to get this fixed. I am told that I have to make a double payment and that I have to pay late fees. When I go to try to do this I am told that the amount I am going to pay is not enough, the amount has changed. I try to get to a supervisor but they say there is no supervisor here. I try over and over to get a Spanish speaker to help me, but Nationstar would not let me talk to anyone who could help me. Instead of fixing the mistake Nationstar sold my house in XX/XX/XXXX. This is more bad business, putting me in a predatory loan that I did not understand and then making a mistake on my payments and not working with me to fix it. They sold my house over this at auction and I want them to fix it.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, the collection agency company NCA reported a collection account in the amount of {$1900.00} and the account was opened by my now deceased mother, but I did not see it on my report until after she passed away Ive already speeded this collection before with no avail and they simply have are not trying to follow the rules and the guidelines that are in place for this type of stuff, please look into this, and you will see that I am in fact, not the responsible person for this account and would like this to be deleted or removed immediately by all credit reporting agencies, but the one that I did the complaint on it through XXXX XXXX
Product: Debt collection

THIS IS NOT A DUPLICATE they ignored everything I said on my previous complaint. The original contract DOES NOT have my name on any of the pages. which is a major violation under the FCRA. Im making this complaint direct to the original creditor because AD ASTRA say they don't own the debt they just collect on the behalf of Speedy Cash which was confirm by one of the SPEEY CASH employees, that confirm they are the current owners. 

So I repeat the original contract does not have my name on any of the pages, but they claim it was 100 percent accurate, which is false because the name in the contract was " XXXX '' which is not my name, and another name they have is " XXXX '' which is not my name, these are errors on their behalf. SO how is the account is 100 percent accurate nor consistent when they have two names that's not mines.I will upload every page of the contract that has a printed name on it to prove my case. I will attach documents that show the inaccurate & inconsistent errors. 

PLEASE STAY ON SUBJECT TO THIS MATTER OF THESE FCRA VIOLATIONS THANK YOU
Product: Student loan

Hello. I am an XXXX XXXX member of the United States XXXX XXXX. I have been on XXXX XXXX since XX/XX/XXXX. I have federal loans. I applied for the public student loan forgiveness program in XXXX. I was told at the time that I had been paying too much on my standard repayment plan and by time I did an income based repayment plan my loans would be paid off before they were forgiven. I know now that to be completely false. In XX/XX/XXXX, I applied for the TEPSLF program. I had to wait until XX/XX/XXXX for the Department of Education to determine whether the United States XXXX XXXX was a qualifying employer. Then I promptly got a denial letter because I had FFEL loans. I called student aid and they explained that I could consolidate with direct loans but I would have to start the 120 qualifying payments all over. 

I saw the news about the overhaul of the program. I called student aid and was on hold for over 20 minutes. I then had to be transferred to a different department where I have been on hold for over 30 minutes. Thats nearly an hour total. 

I am requesting your help. I have made payments on my federal student loans since XXXX. I have been a member of the XXXX XXXX XXXX XXXX the entire time. Thank you for your consideration. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/scrub>/2022 : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

default judgement filed and i was not properly served summons, wage garnishment order served my employer. i submitted claim of exemption. Midland Funding LLc submitted opposition to claim of exemption stating they would not be present at exemption hearing. 
found that to be strange begin that they felt i really owed them. 
I went to exemption hearing, no proof of service in documents when i inquired who was sub-served for me, original creditor was not indicated in documents. Judge said my money was to be returned to me. I feel humiliated, and Midland should be findfor falsifying legal documents, destroying people credit worthinessand making false implications to consumers employers. This would be consider a strike against me, and another strike, i could lose my job after XXXX years.
Product: Mortgage

My mortgage was sold to Lakeview Loan Servicing LLC subserviced by XXXX. As best I can tell they are the same company. I received a bill stating they have not received payment from me and they charged me a late fee and have reported a late payment from me. 

I pay them {$400.00} every 2 weeks and have never missed a payment. The Statement they sent shows they received the payments and that they credited them to my account, but they are not counting them as payments?!? 

The statement is also poorly written and does not add up to the proper amounts paid for principal mortgage and escrow. They include lump sum payments to the escrow and payments from the escrow all as debits in the Total column. It looks like this statement was intentionally written to confuse borrowers. 

I would like this late fee removed the payment history updated to show I have never been late. I would also like the format of the statements to be corrected so that it properly shows debits and credits and it more friendly to read. 

Looking at the volume of complaints against this company online, I think the CFPB needs to take more serious action against this predatory loan servicing company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 th
e report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

my bank will not let me link my accounts and it is so frustrating
Product: Credit reporting or other personal consumer reports

The credit bureau is reporting information on my credit report that is inaccurate, incomplete and incorrect. I beleive this to be a violation of the FCRA and FDCPA and Metro 2 compliance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute fraudulent accounts and/or transactions that have appeared on my credit report due to identity theft. Pursuant to 15 U.S.C. 1681c-1 ( 605B ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the blocking of fraudulent information from my credit file, as this information is the result of identity theft and was not authorized by me.

The fraudulent account ( s ) in question are : 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 XXXXXXXX Under 15 U.S.C. 1681c-1 ( 605B ), I am entitled to have this fraudulent information blocked from my credit report within four ( 4 ) business days of Equifaxs receipt of this request, provided I submit the necessary documentation. As required by law, I have included the following : 1. A copy of a valid government-issued identification card Since I have provided the necessary documents to confirm the fraudulent nature of these accounts, I expect Equifax to block this information from my credit report immediately and provide written confirmation of its removal within the legally required timeframe.

Failure to comply with my request will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal action.

I appreciate your immediate attention to this serious issue. Please send all correspondence regarding this dispute to my mailing address listed above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Checking or savings account

I deposit XXXX XXXX into my Robinhood account to trade stock, but I felt the market was not right for me so I decided to withdraw it the next day and Robinhood restricted my trading account. Ask that I provide an ID, selfie and bank statement, but as of today, ROBINHOOD is holding my account and not letting me withdraw any money. They told me it would be lifted last XXXX weeks, but it have been weeks later and my account is still on hold. 

please have Robinhood send the money back into the account that the fund came from please.
Product: Credit card

Hello, I don't even know where to start with this complaint, but will do my best to provide a detailed history. 

In spring of XXXX I was the victim of a XXXX cybercrime. The credit cards I had at that time ALL had XXXX balances. I was also on time with my credit card payments when I did have a balance. The XXXX cybercrime was financially devastating to me. I HAD to use the credit cards to help cover my daily expenses, until I was able to get a HELOC on my house to then cover the remaining outstanding balances on the personal loans I used for the XXXX investment. 

I paid monthly on these cards for over a year. The interest was high, and no financial relief was able to be made. I decided to enroll in a debt consolidation program to work with these credit card companies in good faith : reduce the debt burden and lower the interest rate. Two of my cards with XXXX XXXX have been negotiated successfully and they arr getting regular monthly payments. Barclays, my final creditor to work with in the consolidation program has been in no way receptive to arranging a reasonable settlement offer. They've filed a legal grievance against me, and are continually not working with the debt consolidation program for a reasonable settlement offer. 

My complaint is this, when a person goes through a financial crime against them, in what reality does the victim continually have to relieve the crime over and over again with higher taxes, fines, and fees charged against them? When I signed the contract with the credit card company, no where in the contract does it state if the consumer is a victim of a cybercrime scam will the creditor in no way work with them. 

Barclays needs to be looked into, and the fact they don't work with debt consolidation programs, they should have fines and fees charged against them. Seems only fair.
Product: Consumer Loan

Midland Funding LLC is dstill reporting my XXXX XXXX credit card as open. It was paid in full in XXXX of XXXX. They ignore my requests to report it properly. 

This is how it is showing on my credit report : Details Last Reported XXXX XXXX, XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX XXXX BANK Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$1000.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off or settled with XXXX XXXX XXXX back on XX/XX/XXXX. I made a total amount of payments for {$860.00}. XX/XX/XXXX was when they recieved my last payment and according to the letter they sent me dated XX/XX/XXXX, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, TransUnion according to them XXXX states I still owe them {$590.00} was of XX/XX/XXXX, which is inaccurate. I have already disputed this twice with TransUnion and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. TransUnion and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.
Product: Checking or savings account

I have a savings account that requires {$500.00} as a minimum balance to avoid fees. I always keep exactly {$500.00} in there. One day, due to a bank website error, money was taken out of that account to pay a bill instead of my main checking. I immediately replenished the funds but got hit with a service maintenance fee. That brought my balance from {$500.00} to {$490.00}. I called, had BOA refund the fee and I had {$500.00} again. The bank will not stop charging fees. Every month, despite the fact that agents on the phone understand the mistake and what happened, I get a monthly fee the next month, which triggers a monthly fee the next month and the next month. The last fee was assessed on XX/XX/. I have tried calling the bank multiple times and I am shamed and gaslighted into thinking I did something wrong, which I did not. This was entirely BOA 's error and should be rectified for a 20+ year loyal customer.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to convey my deep disappointment regarding the inaccuracies and omissions found in the information provided on my credit report. The data provided for the mentioned accounts is insufficient for proper validation, and I urge you to promptly take action to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's perplexing to me that while other credit bureaus have successfully removed these accounts from their records due to identified errors, you have somehow verified them. I urge you to rectify this discrepancy by expunging these entries from my file, as they are either inaccurate, erroneous, incomplete, or unverifiable. 

I expect a comprehensive investigation into these matters, along with any supporting documentation utilized to validate these debts. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. 

Your persistent failure to adhere to FCRA guidelines and disregard for my rights is unacceptable. I demand the prompt removal of these items from my credit report, as they fail to meet the necessary criteria for accurate reporting. Any further delay or disregard of my rights will result in legal action against your organization. 

It is imperative that you address this matter promptly. I anticipate your compliance with FCRA guidelines to ensure accurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in a fraudulent account appearing on my credit report. I am requesting that the following account be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : 1. XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/year>, Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

Letter to TransUnion and XXXX. 

I am sending you a follow-up letter regarding the remaining derogatory items that you have continuously furnished on my credit report. I want to emphasize that these accounts still show inaccurate information. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX This account has inaccurate details in Account Status, Date opened, Payment Status, Last Reported, Date Last Active and Date of Last payment. 
As per FCRA, Accuracy of report. I have the right to dispute inaccurate or incomplete information on my credit report and I firmly request that it must be corrected or REMOVED. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account # : XXXX This account has been successfully deleted in XXXX!!! And it still has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX This account has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

I look forward to seeing these accounts completely wiped out from my credit files by next month. 

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

I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Product: Bank account or service

The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance.
Product: Debt collection

Cavalry Portfolio is reporting a 30 day late payment on a disputed collection account, that was taken to court, dismissed for lack of prosecution, disputed several times as identity theft, and yet they still insist I owe them a charge off from XXXX XXXX  that they bought XX/XX/2015. This was removed from my XXXX  after dispute. **They are trying to report 30 day late payments as if it were a new debt, which is illegal. ** I have repeatedly told them that this account has fraudulent charges opened by my step-daughter. I have no idea where she can be located at this time. 


CAVALRY PORTFOLIO SERV Original creditor : XXXX XXXX  {$2500.00} 0 % paid off Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$2500.00} {$2500.00} Payment Info Original loan amount {$2500.00} Balance {$2500.00} Updated on XX/XX/2015 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX