23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I paid my XXXX statement of {$2300.00} and also paid an additional {$200.00} to the principal which brought my outstanding principal balance to {$450000.00}. On XX/XX/XXXX the servicing of my mortgage was transferred to Mr Cooper. 

Mr Cooper issued me a statement on XX/XX/XXXX showing an outstanding principle of {$450000.00} and an amount due of {$4600.00}. when I called and asked why the principle is high and the amount due is double they stated they had not received the XXXX payment I made with my old servicer. 

Understanding that it takes time for the accounts to update I made a regular XXXX payment on XX/XX/XXXX in the amount of {$2300.00} AND an additional {$250.00} towards principle. when I checked my account a few days later the XXXX payment had not posted and Mr Cooper did not apply my additional {$250.00} towards my pricinciple. When i called and asked why they said they could not move the {$250.00} towards my pricinciple because my account was past due. Trying to pay off debt and not being able to be can be frustrating. 

I then called my old servicer and asked if they had sent my XXXX payment of {$2500.00} to Mr Cooper. They said they had. They wired the money to Mr Cooper on XX/XX/XXXX. 

Seeing that was over 10 days ago I called Mr Cooper to please issue a ticket to find the money and apply it to my account so that my account is corrected and that i can apply extra payments to my principal. They then told me to go back to my old servicer and ask for the wiring information to prove that there was a XXXX payment. 

I do not feel I am making progress with Mr Cooper in getting this payment recognized and the fact that Mr Cooper will not issue a ticket to investigate this XX/XX/XXXX payment leads me with doubt that they will correct it which is why i am submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights under FCRA, 15 U.S. Code 1681a, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; If this statute is law, then you can not report any of the aforementioned on my credit report.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a financial dispute that has caused significant distress and financial loss. On XX/XX/XXXX, I initiated a transaction from my PNC Bank account in the amount of {$4600.00} to XXXX XXXX with the intention of sending money to my family in XXXX through an exchange for XXXX Naira. 

However, my experience took an unfortunate turn when XXXX XXXX requested certain documents that I was unable to provide, leading me to cancel the transaction. XXXX XXXX assured me that the funds would be promptly returned to my PNC Bank checking account. Regrettably, despite their promises, the funds did not reappear within the promised timeframe of five days. 

Concerned about the delay, I contacted XXXX XXXX 's customer service, and they informed me that the money had been released to my bank. To my dismay, upon reaching out to PNC Bank 's customer service, I was informed that they had no record of the funds being received. Consequently, a dispute was opened on my behalf. 

After waiting for approximately three weeks, on XX/XX/XXXX, I received a letter from PNC Bank stating that my dispute had been denied due to " no error in transaction. '' This decision left me deeply frustrated and distressed. Undeterred, I continued to engage with XXXX XXXX, persistently contacting their customer service on an almost daily basis. Each time, I was given the assurance that the funds had been released to the bank. 

In an attempt to find a resolution, XXXX XXXX sent me an authorization form confirming the release of funds, which I promptly presented to one of the bankers at a PNC Bank branch. Despite my efforts, I was once again informed that the funds were not available. As a last resort, in XX/XX/XXXX, I visited the PNC headquarters in downtown XXXX. There, a banker disclosed that fraudulent activity had occurred, as the original transaction amount between myself and XXXX XXXX was {$4500.00}, yet the bank had deducted {$4600.00} from my account. 

Since then, I have been tirelessly fighting for the return of my funds. I have provided all relevant documentation, engaged in numerous discussions with both XXXX XXXX and PNC Bank, and even visited the bank 's headquarters in person to seek a resolution. Unfortunately, my efforts have thus far been in vain. 


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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

This company never reached out to me about this debt. They added this debt on my file and i never knew anything about it.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
This account ( XXXX XXXX XXXX XXXX ) should not be furnished on my consumer report as it is in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have received numerous calls from this company, Harris and Harris, LLC from different numbers on weekends and also at my employer. I have asked for written documentation of debt and have yet to receive anything but the calls are still being made. I have asked them not to call me repeatedly but they do anyway. Now they have started contacting me at work. 

I don't even what debt this collector is trying to collect on.
Product: Credit reporting or other personal consumer reports

This creditor ALLY FINCL, XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Mortgage

My concern is that even when I pay partial payments towards my monthly mortgage payment, the company is still charging me a {$15.00} fee to have someone go out and confirm that I still reside at the house and that it is not vacant. I have tried telling them that I reside in my home and do not plan on losing my home so why do they keep charging me this fee every month to have someone ride by my house. Yes, I admit that I pay my mortgage 15 days late ; however, this fee is causing me more debt than I can afford. I think it's just a cruel tactic for them to collect more money when not necessary. I can understand if I was 2 months or more behind but this is not the case.
Product: Debt collection

This concerns possible fraud by a third-party co called Klarna and a fourth-party called XXXX XXXX  interfering in a transaction I did via XXXX. 
I made XXXX  res at a cabin in XXXX for XXXX intended to stay together with elderly XXXX  relatives. It turned out it would be a health and safety hazard .... BUT BECAUSE the owner was not forthcoming about the precise location, it took days to affirm it was deep in a snowy forest MILES from where we needed to gather with our elder, unhealthy relatives. 
I immediately requested cancel. It was unsafe, unusable for us. I did not get any rimmediately response, but always use my XXXX XXXX credit card for travel arrangement -- I let XXXX know, and XXXX, and booked an appropriate place with XXXX. It was payed in full ; the owner says she " was fully paid '' ; XXXX has had XXXX 'ambassadors ' call me and say I don't owe money. 

Despite having agreed with XXXX that that mater was resolved and we did not owe Klarna or XXXX anything, Klarna keeps putting this amount, {$840.00}, or now more than {$900.00} in letters and emails and says it has sent it to collections XX/XX/XXXX. I have a scan of the letter. I would like Klarna to cease and desist from harassing and threatening my credit rating. I am a senior on fixed income, this is not the time I want that threatened.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ) states that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the consumer. I have the right to ensure that my private information is not shared, which is supported by 15 USC 6801, which states that financial institutions have an affirmative and ongoing obligation to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information.

As a financial institution, the ( Furnisher of information to credit agencies ) has a responsibility to report information accurately. Additionally, 16 CFR 433.2 prohibits the reporting of transaction history, and 16 CFR 433.3 states that if the contract was written after XXXX XXXX XXXX, it must apply. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option, which I was never informed about.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency can not include any adverse item of information, other than records of convictions of crimes that are more than seven years old, in a consumer report without the consumer 's permission. These accounts are an adverse item that they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Additionally, 15 U.S. Code 1681e requires every consumer reporting agency to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. 

XXXX, XXXX, and TransUnion are not maintaining reasonable procedures, and since I have written several notices concerning my report, I would like to seek compensation on my behalf for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, willful injury, and financial injury. 
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 XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX of this year ( 2021 ) XXXX XXXX ( My father ) opened a loan up in my name without my knowledge. The company is called figure lending ... The amount was around 25k. I've sent police reports and text messages of him admitting to the fraud to the company and have been denied. I also did the same with the credit bureaus and XXXX has removed it from my account thus far.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in fraudulent and was opened by biological father before he disappeared. Disputes were never ran on account because they would have shown age issue as the account was opened when I was a XXXX XXXX XXXX. Company has refused to run accurate dispute even when provided information about dispute. Company has failed to investigate issue for what has been XXXX years now. Company has ignored disputes for past 12 months. Attached is XXXX showing yea XXXX XXXX XXXX. Account was opened while XXXX XXXX XXXX XXXX Impossible for account to be accurate for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. I also attached here a new FTC report with reference number XXXX. If you choose to not remove the inquiry listed below which are reporting inaccurately due to mistaken credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it was opened without my consent or knowledge XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit report data. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting

I disputed to issues on my credit report. Providing proof both claims were paid in full and one as false account/loan number I did not sign a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency reporting already paid medical accounts despite requests from both myself and the original creditor to remove
Product: Money transfer, virtual currency, or money service

This is the cash app plan. Ive had money come out my account tried to get a refund never seen the refund. They never want to give a refund. They dont talk or call you back. Is no one you talking to you talk to about.
Product: Checking or savings account

XX/XX/scrub>XX/XX/24 {$65.00} XX/XX/24 {$510.00} XX/XX/24 {$91.00} XX/XX/24 {$100.00} THEY ASKED FOR THE DOCS TO PROVE MY CASE I PROVIDED THEM ALL AND SAID THEY ARE GOING WITH THE WRIITEN LEASE THAT NO REFUNDS DIDNT CARE ABOUT THE CHARGEBACK CODE GOOD AND SERVICES NOT AS DECSRIBED OR RECEVIED
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 CARD Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 the 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

I was doing recertification for XXXX benefits when I found out I have a checking and savings accounts that are interest based in 2021. I have never opened any accounts with WELLS-FARGO. This has made it hard to do any government business and possibly hurt my credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$34.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

This account is once again showing a current past due amount having already received confirmation there was not one ( see all attached documents through a past dispute resoluion through CFPB ). This has been going on for almost two years. Clearely there are not processes in place to ensure this does not continue to mistakenly report innaccurately. I also sent numerous correspondences by phone and email to BAC requesting they remove the tradeline to match what XXXX had done to ensure the problem would not continue ( attached as well ). I never received any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one used my personal identification for applying credit cards and used already making my credit score going down a lot of points
Product: Student loan

Over a year ago, I spoke with Ombudsman with XXXX. 
XXXX, I was told to apply for a Loan Discharg : False Certification because I never received employment for the education I received Loans for. In XXXX of 2015, I sent my Application of Loan Discharge to my Loan Provider, American Education Services ( AES ). For the past year, AES Has reported to me they have " lost my application, '', Admitted " my information has sat on their desk for months, '' not responded in a timely manner-then informing me I had to submit a new application " because the old XXXX expired. '' I am on my fourth application and I still have no acceptance of my Loan Discharge from AES, and interest on loans is accumalating. I want to receive my Loan Discharge Please advise. My phone number is XXXX. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit report contains multiple unauthorized inquiries and a fraudulent XXXX  XXXX XXXX account that I did not open or authorize. 

Despite previous disputes and the submission of an FTC Identity Theft Report, these errors persist. The fraudulent inquiries include : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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