23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your prior menu was not pertinent to my specific complaint today, but repeated phone calls which I did not answer have occurred. 

Today, XXXX XXXX, 2017 at approximately XXXX CST I received a call from XXXX. A female gave her name ( I do n't remember but it will be in the attached recording ) and said " this is a monitored and recorded call about a personal business matter. '' She asked if she was speaking to XXXX XXXX. I said she was and I am also recording the call. She asked to verify my identity by asking for additional information. I asked her to provide the business name before I provided additional information. She said she needed the information first for a personal business matter. I advised her that by law I am entitled to the company name before providing personal information. ( I did not say to her that I am not an attorney but was speaking in a pro Se capacity when discussing laws. ) She said she would send me information and then I could call. That ended the first call. 

An Internet search did not provide the company name but did confirm that the number belongs to a landline in XXXX, MN. 

I called the number and a male said " this is XXXX and this is a monitored and recorded call. '' I told him I needed the company name before filing a regulatory complaint due to his colleague refusing to give me that information. He said " You have called XXXX XXXX XXXX. '' I thanked him and disconnected.
Product: Credit reporting or other personal consumer reports

I have about {$22000.00} in federal student loan debt which was initially serviced by XXXX. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an Experian background check which showed about {$44000.00} in federal student loan debt. Experian is counting my loan balance twice, once with XXXX and once with XXXX. I submitted a dispute with Experian for each XXXX loan on the credit report. Im unsure if this is an error by Experian, or by XXXX or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.
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 ( 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 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

I am submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had opened XXXX XXXX account with CFPB with a promotion. Deposit $ XXXX or more ( within XXXX weeks ) and get {$150.00} as cash bonus. I fullfilled all their conditions but CIT bank keep on changing their terms and conditions for this reward. 
Even when I got the cash back bonus, CIT bank is giving me hard time not to withdraw the remaining balance. 
In this tough time, CIT bank is doing every possible thing to block my money. 
I have been communicating with them via secure email for more than 2 months.
Product: Mortgage

Closing on my first home in XXXX  days and I am confused about the credits listed on the purchase contract as well as my cash to close. The lender used in the process is an affiliate of the builder/seller who has not been transparent with the numbers listed on the closing disclosure. I began asking questions on XX/XX/XXXX via email or text when I received the closing disclosure with a closing date of XXXX which was an error since my closing date was moved to XX/XX/XXXX. I asked multiple times for them to explain the breakdown of the credits as it is not clear on the XXXX. I am a veteran who is allowed to receive my earnest money paid as well as my tax credit back at closing, which DHI has repeatedly denied me of. At this point, I can not cancel the contract as I don't have another place to live and am expecting my first child in XXXX days. This entire process seems as though I was promised certain credits at closing and my lender is not being truthful and is changing the terms. Multiple emails, phone calls and text messages daily since XX/XX/XXXX until today XX/XX/XXXX don't answer my questions. The numbers on the CD do not add up to what is being relayed back to me when I use a calculator, which has been deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit cars report that I have a delinquency public record and I do not
Product: Debt collection

A law firm, Hunt & Henriques, sued me for debt that wasnt mine, and did not serve me properly. I didnt even know about the lawsuit until I got a notice that a lien was placed against me in the county. The law firm filed a sewer service proof of service, when I was actually in a different state. This unethical action allowed the law firm to get a default judgment against me for debt that I didnt owe. This law firm even attempted wage garnishment through the sheriff, and has a lien against me. I called them and they will not agree that they improperly filed documents for debt that isnt mine. Their contact number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Student loan

Under the CARES act, it is my understanding that if you go into administrative forbearance, the suspended payments are considered qualifying payments that can be counted toward forgiveness under the PSLF program. ( See the CFPB 's blog on the subject, here : https : //www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ ). However, DirectLoan 's  website provides contrary information. Under the heading " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan, '' it says " The time spent on the emergency administrative forbearance will not count toward your required payment count. '' See https : //myfedloan.org/borrowers/covid/.

It appears that FedLoan is providing inaccurate and misleading information to borrowers at this time, that would lead borrowers to continue making student loan payments so that they don't extend their PSLF payment count, when in fact, they should go into emergency forbearance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.
Product: Checking or savings account

In XX/XX/2022 my identity was stolen. In XXXX XXXX XXXX I was evicted and locked out of my home and lost everything that I owned. My children and I were separated while I lived in my car. I began having difficulties identifying myself with my school and other creditors. Shortly after I was locked out of my accounts completely and no way of validating my identity. By time I was able to correct things they had already did a number on my identity. I contacted navy federal credit union, and I was informed that I am responsible for all charges without even an investigation I have police reports each time my identity was stolen and they didnt except any of my information just wanted me to pay for the {$5000.00} in charges that was not done by me. All fraud
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report I dont even recognize and I want them deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX  Account # : XXXX Balance : {$15000.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$21000.00} Open Date : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lender brought it to my attention that this company has me attached to two socials or more than one social. They did not specify. They did say that this is common with identity theft and that files are known to merge when someone is using your info. I am a victim of identity theft and first became aware XXXX of 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 LexisNexis received my dispute from the U.S. Post Office with a return receipt with signature confirmation concerning multiple errors pertaining to my LexisNexis C.L.U.E . report. 

Since XX/XX/2020 I have waited for over two months for their response and nothing has been rectified since my dispute was delivered. 

It has been over 60 days and LexisNexis had 30 days to respond and the extra 5 business days after completing the investigation to notify me of the results of the disputes. 

There were no extra disputes mailed after XX/XX/2020 which would of made this dispute stretch to 45 days or more. 

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 
if the credit reporting agency does not respond within 30 days they are obligated to remove the disputed record ( s )
Product: Credit card

I hope this message finds you well. I am writing to formally dispute discrepancies on my account statements dated XX/XX/year> and XX/XX/year>. 

Account Information : Account Number : Ending in XXXX Statement Dates : XX/XX/year> and XX/XX/year> Discrepancy Details : XX/XX/year> Statement On my XX/XX/year> statement, I noticed a {$100.00} entry labeled as a " New Purchase, '' which is incorrect. The details are as follows : Transaction Date : XX/XX/year> Description : XXXX XXXX XXXX PER XXXX Amount : ( {$100.00} ) This amount reflects promotional balance payments made and should not have been classified as a new purchase. As a result, my account balance inaccurately reflects my payment activity. 

Summary of Account Activity ( XX/XX/year> ) : Previous Balance : {$1200.00} New Purchases : {$100.00} Payments : {$61.00} Credits, Fees & Adjustments ( net ) : ( {$100.00} ) Interest Charge ( net ) : {$15.00} New Balance : {$1100.00} XX/XX/year> Statement Similarly, my XX/XX/year> statement also includes a {$100.00} entry incorrectly categorized as a " New Purchase. '' The details are : Transaction Date : XX/XX/year> Reference Number : XXXX Description : XXXX XXXX XXXX XXXX  XXXX Amount : ( {$100.00} ) Summary of Account Activity ( XX/XX/year> ) : Previous Balance : {$990.00} New Purchases : {$100.00} Payments : {$27.00} Credits, Fees & Adjustments ( net ) : ( {$93.00} ) Interest Charge ( net ) : {$16.00} New Balance : {$980.00} Previous Correspondence : I contacted customer service regarding both of these issues, but I received letters that only explained the promotional purchase process and did not address my specific concerns about these amounts being misclassified.
Product: Debt collection

I am the original author of this complaint. I have been dealing with the frustrations of these unlawful and inaccurate reportings to my credit report. The following SEQUIM ASSET SOLUTION has been consistently reporting erroneous information which has been a hinderance for me. I do not owe any apartments! They won't even validate themselves as required by 15 US Code 1692g! This XXXX  XXXX has admitted fault that this was a mistake, yet they have re-inserted the reporting of this account onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Mortgage

Subject : Improper Escrow Charges and Failure to Honor Non-Escrow Agreement To whom it may concern, Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ) is the current servicer of my mortgage loan. 
XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Loan Number : XXXX This loan has historically been set up without escrowI have always paid my property taxes and homeowners insurance directly, as agreed upon in the original loan documents. 

Since Mr. Cooper began servicing the loan approximately XXXX  years ago, it has improperly collected escrow payments, despite my repeated efforts to provide proof of active insurance coverage. I have called the XXXX number for Mr. Cooper and have spent close to XXXX hours with them on the phone to request my account be moved to non-escrow. Mr. Cooper refuses to honor the original loan documents. I received confirmation via email from Mr. Cooper acknowledging receipt of my insurance documentation and confirming that it was successfully submitted. Despite this, Mr. Cooper continues to collect escrow funds from me for insurance coverage that I already pay for independently. 

Furthermore, Mr. Cooper appears to be charging a higher amount than the actual cost of my existing insurance, creating a duplicate and inflated charge on my monthly mortgage statement. 

To summarize : My mortgage loan was contractually set up without escrow payments. 

I submitted proof of insurance, and Mr. Cooper acknowledged receipt. 

Despite this, Mr. Cooper has refused to return the loan to non-escrow status. 

Mr. Cooper continues to collect and charge for insurance coverage that I already maintain and pay for directly. 

The charges imposed by Mr. Cooper exceed the actual cost of my insurance policy. 

I am requesting an immediate investigation and correction of this error. 

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

These 9 accounts that are negatively reporting on my TRANSUNION credit report are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Payday loan, title loan, or personal loan

I opened a line of credit of {$250.00} and withthen 30 days I paid it off. I receive a letter saying that they had change the regulation and that even if I don't have a balance I still need to pay {$60.00} every month to keep my account open.I signed the letter and sent it backk to close the line of credit. But I got a bill for the amount Mainance fee of {$60.00} anyways. They said never got the letter and are forcing me to pay {$120.00} plus late fee in order to close the line of credit and they will continue to change me the {$60.00} every month until I pay off the loand. They also said will send me to collection.
Product: Payday loan, title loan, or personal loan

The loan company will only accept that we reapply for the loan or their lawyer will garnish our wages or place a lien on our house or car.
Product: Checking or savings account

I went to the XXXX Massachusetts BoA branch today and still was offered no resolution to claim XXXX. 

The bank sent a check to my landlord XXXX which bounced. The bank then began sending a series of checks to my landlord which never arrived. 

The bank took {$1400.00} from me XX/XX/year> and still REFUSES to return my funds. 

The bill pay department responsible for issuing checks refuses to return the funds to me and continued to issue new checks in my name without my authorization or even notification. 

Today I received a notice to quit because the bank never sent any funds to my landlord. The bank REFUSES to provide any evidence that they sent payment. They refuse to return the money calling it the " banks money '' when it's clear by looking at the statement that money is XXXX. 


The bank NEVER had any authority to issue more checks in MY name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report medical bills that were placed on my files with Equifax, XXXX, and XXXX that do not belong to me. I informed all 3 credit bureaus of this mistake and completed 4 attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all 3 bureaus on XX/XX/XXXX. There were more than 20 medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all 3 bureaus to have the remaining collections medical bills that do not belong to me removed on XX/XX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XX/XX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All 3 bureaus have not provided me with the proof of validity as requested on all 4 occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
Product: Vehicle loan or lease

I am a victum of identity theft and inaccurate information. After reviewing my credit report with XXXX, I noticed a fraudulent account being reported, XXXX XXXX XXXX and in several inquires from unauthorized sources, Spring Oaks Capital LLC, XXXX XXXX XXXX, and Absolute Resolutions Inve. This is an issue of material fact and there is no doubt the information is insucient and is genuine of the material fact, and must be resolved against XXXX. XXXX v. XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX ). Please remove these items. XXXX inacted the XXXX to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. 2005 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 i sent two letters via certified mail to transunion explaining to them that i didnt authorize the inquiries that was showing on my credit report as of today XXXX XXXX, 2017 i havent received any communication from them regarding my letters and i was under the impression that the bureaus have exactly 30 to respond or they have to delete. So im writing in my complaint because i havent seen any deletions nor have they responded to my letters.