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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 TransUnion 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 consists of 4 personal credit card account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and two hard inquiries XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

I've contacted ally & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Product: Credit card or prepaid card

My statement was {$75.00} due on XX/XX/22. 

I paid debt in full {$75.00} on XX/XX/22, a full 12 days prior to the date on the statement. 

Comenity bank says that daily interest accrues, but that is an unfair and fraudulent practice because the balance due which would have any accruals/fees is paid on or before the statement due date. 

For a {$2.00} interest charge, they harassed me by phone call and messages, taking repeated hits against my credit score, adding late fees and interest each month when there was no balance left to pay. I " took care '' of it with them on XX/XX/22 by allowing them to debit my account {$2.00} and absolving any other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX  ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX AT T ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$240.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I started getting e-mails and phone calls from a company called XXXX. I spoke several times with representatives and managers and each time they told me I had an account, however when they tried to guide me to this " said account '' through their website I would receive a return e-mail with someone else 's name on it and it would state that no account exists. The manager then referred the problem to their research group who replied in an e-mail that I had no account with them and that my credit would not be affected. They continued to call and I spoke again with a manager who referred my " said account '' to their research team again and AGAIN I received an e-mail stating I had no account and that my credit would not be affected. I don't know how cut and dry this needs to be to see that this is in error and I want it OFF of my credit report! I submitted the e-mails and screenshots to Experian showing the responses from my e-mail with a different name than mine. I need this fixed! I have been working very hard on improving my credit and for a company to just add this to my name is insanity and for Experian to go along with it is beyond comprehension. There is no account and I have NO documentation, NONE but just their word I owe this. I can't even see what it is for and they have not told me what it is for as I don't have an account so they can verify my INFORMATION!!!!!
Product: Checking or savings account

I received an email from Wells Fargo on Friday XX/XX/XXXX at XXXX stating there was a payment card fraud alert. I immediately contacted them to make a claim when I realized my debit card was stolen. There was a holiday over the weekend so I called again on Tuesday XX/XX/XXXX to make sure they had my entire claim of XXXX atm withdrawals of around {$200.00} each and then one charge of {$4.00} that was not made by me and all around the same time of XXXX that evening ( XX/XX/XXXX ). I then gave it a few days and called back yesterday ( XX/XX/XXXX ) to check the status and they said they have denied my claim even thought I tried to take every step necessary aside from getting pictures from the atms ( I am not sure this is possible, but I can try ). They said they couldnt tell me why because it would be considered coaching. I was made to feel like a criminal when Ive been a loyal customer for over a decade.
Product: Mortgage

On XXXX/XXXX/2015 a repersentive from HUD stated " Bank of America submitted a new variance request over to HUD today and we have approved this and let BAC know and they will now be moving the file forward. Let me know if you need further assistance. " As of today, XXXX/XXXX/2015, BAC has not moved the file forward in the 7 days since then? The variance was approved. The offer I sent on XXXX/XXXX/2015 meets the minimum net and is not requesting any closing cost assistance. We should have an approval letter by now. Why is BAC dragging their feet? 

Also, BAC has scheduled a foreclosure sale on this property despite having the short sale contract package since XXXX/XXXX/2015.
Product: Mortgage

The BANK had NEVER recorded the Trust Deed ( security Instrument ). 
Originally the loan was with XXXX. I brought this to the attention of XXXX. Instead of solving the problem, they Immediately sold the loan to XXXX XXXX!!! XXXX WAS FULLY AWARE that its was NOT a valid mortgage loan since the TD had never been recorded. They had it booked as a XXXX mortgage loan. It can not be since there is no security mortgage instrument recorded. 
When XXXX XXXX took over the loan, I contacted them. I informed them that it was not a valid mortgage loan. 
YES, there is a note. I am not disputing the debt. I am only stating that there is no TD that secures the debt to the property which CAN NOT make this a mortgage loan, and as such XXXX needs to know!!!! 
When I notified XXXX XXXX they did not know how to resolve this, so they immediately sold the loan to Loan Care. 
Once again the loan is booked as a mortgage loan. It is NOT a mortgage loan since there is no security instrument. The REGULATORS need to go in Loan Care and have them re -class this loan. But since they are not in business of making unsecured loans, they have no place to re-classify it on their books. They do not know what to do. 

In XX/XX/2021 I SOLD the property. The buyer obtained a new loan and clear title from title insurance company. Since the original loan had NO TD recorded, there was nothing for title to pay off. 

The debt is still owed by me, but the property is long since sold!!!!!! 
So this Mortgage company tells me I have to place insurance on the property. 

I HAVE TOLD THEM IN THIRTY SIX EMAILS AND 25 FAXES THAT I DO NOT OWN THE PROPERTY!!!!!!!!!!!!! 
The property was sold last XXXX. 
I have called and spoken to 10 different people that keep telling me they will pass the info on to supervisor and somebody will contact me. NOBODY ever has contacted me. No calls, no letters, no response at all from anybody. 

They now REFUSE to accept my payment ( which I owe ) for principal and interest. I made the payment for XX/XX/2021 on XX/XX/XXXX. The refuse to credit it!!!!!!!! They claim it was not in the amount sufficient t pay for the insurance. 

HOW CAN I OWE INSURANCE ON A PROPERTY I NO LONGER OWN!!!!!!?????? 

As of XX/XX/XXXX my payment which THEY have in their possession will show as unpaid. They have threatened to ding my credit. I PAID IT!!!!! they have it!!!! they just do not have the extra {$100.00} they claim they want for insurance on a house I do not own and that they DO NOT HAVE A VALID security instrument on. 

THEY LEGALLY CAN NOT REQUIRE SOMETHING from me that they have no right to require since there is NO SECURITY INSTRUMENT. 

SOMEBODY needs to wake up and do their job. 

I need help!!!!!!!!!! Nobody is talking to me. Only threatening me if I dont pay something I do not owe. How on earth am I required to pay for insurance on a property I do NOT OWN. 

XXXX NEEDS to be aware that this loan that is on the books as a mortgage, is indeed NOT A MORTGAGE but instead an UNSECURED LOAN. 

They need to accept my XX/XX/XXXX payment that was made in full for the exact terms of the promissory note. There is NO TD!!! 

PLEASE HELP.
Product: Credit card or prepaid card

Payment posting issue resulting in late fee due to either a postal delay or bank intentionally/deliberately holding onto payment and not applying payment fast enough to cause payment late and to assess cardholder a late fee. Payment due date    XXXX  .  Payment mailed   XXXX .  Payment sent first class standard envelope without tracking from    XXXX   XXXX   XXXX    to    XXXX   XXXX   . Payment should of easily been received by Friday the  XXXX . I called the bank on   XXXX   at approx.  XXXX  in regards to this matter and spoke to an agent named  XXXX . Bank agent  XXXX  stated a late fee waiver was requested and issued back in   XXXX   XXXX   XXXX   and another could not be issued. I stated to him the reason for last years late fee waiver request was because  USPS  tracking showed payment packet was delivered on time but bank held onto payment for 3 days then posted payment to account after due date resulting in an unwarranted late fee. This is totally unacceptable. In fact, criminal. Exact reason why I occasionally send out credit card payments with tracking numbers and you would be surprised how many banks hold on to payment for a few days and not apply payment accordingly and wait till it exceeds the due date to assess a late fee onto cardholders account. I have caught numerous banks in these past couple years. All banks however after explaining the matter and giving them the postal tracking numbers, waive late fee. Again, this is the exact reason why I occasionally and randomly mail out credit card payments with postal tracking numbers and I implore everyone to do so too from time to time. Unfortunately this payment did not include a tracking number. However I am confident payment was received on or by the  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs XX/XX/XXXX Re : XXXX ( Equifax is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on my XXXX card reflected in XX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXX and XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXXyet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX, XXXX etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX XXXX I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX  county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently in XX/XX/XXXX I was turned down on a purchase as they refuse to read the facts. 
My phone calls to XXXX have met with no assistance or consideration notwithstanding my much reduced credit usage! 
Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( with a friend ) Tel ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

Prior to COVID 19, I was offering my mortgage company to bring my mortgage current, that was deliquent during my XXXX following the death  of my son, they refused to take the payment, stating that they are reviewing my offer. I was working with a mortgage counsellor from HOPE in XXXX Maryland. while waiting for their review COVID happened in XX/XX/XXXX. My job was to go XXXX XXXX  and XXXX XXXX XXXX and assess XXXX XXXX XXXX XXXX. 
Obviously COVID impacted that community more than any other community, I then contacted my mortgage company about the hardship and loss of income, they agreed to place the account in forbearance. In XXXX they wrote me a letter that the forbearance has closed and requested that I show proof of hardship, I sent them the documents and repeated the offer to bring the account current prior to COVID. Once again they refused and sent a letter that they will like to review it. Meanwhile payment was taken in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they turned down payment, stating that they will be going to foreclosure. 
Now they are requesting that all the past due amount prior to COVID and during COVID should be paid in full. When I informed them that they had approved the forbearance period, they do not care if there was lost of income that period, they just want it paid in full or they will foreclose the house. They then increased my interest rate to 4 %, which is very high compared to current mortgage rates All attempt to talk to them has proved futile, they insisted that I have to pay all total amount. Every attempt to remind them that forbearance was requested due to hardship was ignored. I am scared and worried that I might lose my house if nothing is done
Product: Debt collection

Halstead Financial sent a text message to my XXXX XXXX at XXXX to try and settle my debt. He forwarded me a screenshot of the text message which I will upload to you for viewing.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qualify Loan Service Corp each refused to provide a correct monthly statement and correct billing amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Unauthorized Transaction and Limitation on PayPal Account Dear PayPal Team, I am writing this formal complaint to bring to your attention the unauthorized transaction that took place on my PayPal account on Tue, XXXX XX/XX/2023. I have discovered that the transaction was for an amount of {$200.00} to XXXX XXXX, which I did not initiate. 

In addition, I have also discovered that a new address ( XXXX XXXX XXXX XXXX, CA XXXX ) has been added to my PayPal account without my authorization. I immediately took action and reported the unauthorized transaction by calling your phone support. I was provided with a case id ( XXXX XXXX and was assured that the matter would be resolved in my favor within 10 calendar days. 

However, on Sat, XXXX XX/XX/2023, I received an email from " XXXX '' informing me that my account has been temporarily limited due to some information that needs to be confirmed in order to keep my account and money safe. This has taken me by surprise as I was not provided with any information or explanation as to why the limitation was put in place. 

I strongly believe that my personal information has been leaked during the unauthorized access of my account, which has resulted in this limitation. The email I received suggests that some information needs to be confirmed in order to lift the limitation, but I have not been provided with any further information or explanation as to what information is required or why it is necessary. 

I am attaching my XXXX 's card statement with this complaint and request that you lift the limitation using this information. I have already provided a bank statement to your team on Wed, XXXX XX/XX/2023, and it was reviewed and my account was restored on the same date. I therefore request that you investigate this matter and lift the limitation on my account as soon as possible. 

Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute any unauthorized transactions on my credit card or bank account. This act protects consumers from inaccurate or unfair billing practices and ensures that they are able to dispute any unauthorized transactions that they may encounter. 

Furthermore, the Electronic Fund Transfer Act ( EFTA ) ensures that consumers are protected against unauthorized electronic funds transfers. This act regulates all electronic fund transfers and establishes the rights, liabilities, and responsibilities of participants in these transactions. 

I would appreciate a prompt resolution of this matter and a full refund of the unauthorized transaction. I look forward to your prompt attention to this matter and request that you keep me updated on the progress of your investigation. 

Thank you for your time and consideration. 

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

XXXX XXXX reporting account # XXXX balanCe {$1100.00} reported credit card under my name send proof this account is no mine I need send me contract with my signature because never opened account still reinserted in my credit report violated my rights i need send me proof all your investigation because I rehuse accept this debt because never have business with this company send me letter with the address is no proof because person lost my identity I need put atention in my petition because this company danger my credit y need clean my profile because dont have made business with them
Product: Debt collection

They call just about every day with two different numbers. Then I have to block the new numbers they call on. They been doing this for 3 months or so. They want me to pay on debt that's 10 yrs old. Auto loan. Plus I filed bankruptcy. Threatening to take my license and sue me in court amd take my social security disability. I have yet to see any of those actions but they have left voicemails in the past saying they are some government agency and are notifying me that I will be sued in court very soon and to take my valuable possessions and cars I might have.
Product: Student loan

Navient has crippled my future by giving me a loan I should have never been able to take out. 
The loan in question is an XXXX in the amount of {$26000.00}. I took this loan out while still in school with little to no income. No co-signer. I fail to see what they determined then I would be able to pay that with? 
I have currently {$110000.00} in student loan debt from XXXX SCHOOL. I graduated in XXXX during one of the worst recessions in history. They have set me on a path that has had devastating consequences for my financial future and my confidence to ever get ahead.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the accuracy of certain hard inquiries on my credit report. Upon reviewing my report, I identified several unauthorized inquiries that I did not approve. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed immediately as they are inaccurate and not initiated by me. 

The following hard inquiries require immediate removal : 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 According to 15 U.S. Code 1681b ( FCRA Section 604 ), a credit reporting agency may only release a consumer report for permissible purposes, such as my explicit consent. These inquiries were conducted without my authorization, which violates my rights under federal law.

I demand an investigation into these inquiries as required under the FCRA. If you are unable to verify that these hard inquiries were authorized, you are legally obligated to remove them from my credit report under 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ).

Failure to comply with this request within the legally required 30-day timeframe under the FCRA will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedy.

Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of this matter.