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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX In accordance to the Fair Credit Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Accounts XXXX XXXX /XXXX/XXXX - # XXXX Has several late payments. 
It as well should not have any late payments attached to a charge off account because charge accounts are late by default. 

XXXX XXXX XXXX XXXX # XXXX It states I made a payment in XX/XX/2022 but states in the history you closed the account .. and only after 60 days of being late XXXX  XXXX XXXX This charge off again is illegally reporting late payments against an already charged off account that is late by default. In total it has close to 79 late payments attached to it and continues although the account has been charged off.. 


I want this late payments updated to pays as agrees.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Payday loan

I opened a payday loan with Speedy Cash in XXXX 2014 and was charged extremely high loan fees. I filed Chapter XXXX bankruptcy in XXXX 2014 and reported all of my debts to the attorney. This account is still open and this pay day loan company located in XXXX Texas ( XXXX XXXX XXXX ) refuses to acknowledge that I am in bankruptcy. I have filed a dispute with the credit reporting agencies but I have not received a satisfactory judgement.
Product: Debt collection

The financial obligation levied against me was due to a emergency room visit to a XXXX XXXX XXXX XXXX, for an elevated XXXX XXXX, whereby no adequate treatment was provided. The debt is currently being disputed with the original creditor, in addition to an open investigation XXXX XXXX XXXX XXXX of Texas for possible violations, and an open Federal Trade Commission Consumer Complaint for unfair trade practices against XXXX XXXX XXXX. I have contacted AMCOL on two separate occasions, first on XX/XX/2019 and spoke to XXXX, and on XX/XX/2019, spoke to XXXX. On both occasions I was told the dispute was submitted and I would be informed of the results, and at no time I given any specific instructions regarding the dispute process into this matter - instead of being informed of the results or given any path to a resolution, they instead, placed the negative information on my credit file. I have been very proactive in trying to reach a resolution to this matter, only to be blindsided by the deception that has been projected by AMCOL in their collection practices.
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw inaccurate accounts on my credit report, and I cant figure out why theyre there. Im very consistent with checking my report, but this time, out of the blue, there were discrepancies. I even tried refreshing the browser, hoping it was just a glitch, but the incorrect accounts stayed. Im really counting on the documents Ive provided to be checked properly so I dont have to worry about this ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having an issue with Equifax XXXX and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX XXXX. That means I have no contractual agreement to pay then an alleged debt.
Product: Credit reporting

Have tried three times to receive my report as well as have is verified and updated, i have not received any response and need to do have it fixed
Product: Payday loan, title loan, or personal loan

I have already paid {$650.00} on a {$500.00} loan. 

I feel the interest being charged is predatory. I was not told the interest rate during my application process with the representative via telephone. 

I was also told I would not be approved for the loan if I did not agree to making automatic account withdrawals. 

I believe I was taken advantage of. 
I paid {$650.00} for a {$500.00} loan. 
I believe they made enough money off of me and that for me to pay more is relative to stealing, while taking advantage of being a tribal company, effectively dodging laws made to protect the public. 

Again I paid {$650.00} on a {$500.00} loan. I would love to request the company to settle paid in full and close my account based on my payment history.
Product: Credit reporting or other personal consumer reports

im trying to file a dispute online and XXXX did not let me upload to documents showing that my student loans were transferred. i called XXXX XXXX XXXX but the person was in XXXX i asked to speak with an american but they hung up
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 Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name:XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name XXXX XXXX Account Name : XXXX XXXX Account Name : 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 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: Debt collection

My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account.
Product: Credit reporting

XXXX mortgage continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to all 3 credit reporting bureaus ( XXXX, XXXX, Experian ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXt : # XXXX, has violated my rights. 

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

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

I recently switched bank accounts to PNC and started using it as my primary checking account. My mortgage is also with PNC so XXXX of the first things I did is pay my mortgage bill using the bank 's bill payment service. Since I did not have the payment address, I called to get the address from PNC and then sent a payment to that address. That payment never posted to my mortgage account. Not wanting it to be late, I sent a duplicate payment ... I 'm not sure if that payment has posted yet. Now I have XXXX outstanding payments and am out of nearly {$3000.00} that I need to pay other bills due to the duplicate payment. When I sent a message to customer service from the website, I got a response that was addressed to another customer and said I do n't have a checking account at all with the bank so they ca n't help me!!! This is alarming. I do n't know what 's going on. Please help.
Product: Debt collection

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT APPEARING ON MY CREDIT FILE THAT IS NOT MINE. 

ACCOUNT TO BE DELETED : 1. CREDIT COLLECTION SERVICES, # XXXX - Refer to your collection letter dated XX/XX/XXXX. I have never received a previous collection letter from CREDIT COLLECTION SERVICES violating my federal civil rights under the FDCPA by not allowing me to respond to their collection attempt. 

- Refer to my attached credit report where XXXX XXXX XXXX reported negative information on my credit file on XX/XX/XXXX, highlighted, to all three credit bureaus in direct violation of the FDCPA. This was three months before their attached XX/XX/XXXXXXXX  dated collection letter was sent to me via standard mail. 

- It should be noted that Credit Collection Services attempted to collect a debt in California without being licensed to conduct business in California per the Calffornia Secretary of State website, they debt was paid to XXXX XXXX XXXX in protest due to my XXXX XXXX dollar home purchase in escrow is in jeopardy of being canceled due to the above account dramatically affecting my credit scores. I have had to pay an additional {$13000.00} on XXXXXXXX  to keep my escrow open due to this negative and errored information being reported to all three credit bureaus.
Product: Student loan

Joe Biden said he would forgive student loans but in the mean time he would return any payments made during the pandemic pause payment period. 

I request my payment to be refunded I received a partial payment of about XXXX This was not the total I had paid Ed finacial said I was correct and said they sent another XXXX to the dept of treasury for disbursement I never got refund
Product: Money transfers

MoneyGram canceled and refund my transaction after more than 35 hours of having my money blocked - doing that by offering a - In minutes transfer money service. 
XXXX XXXX XXXX 2016 I went to a MoneyGram location in XXXX IL with the intend to send ~ {$1500.00} ( XXXX ) to a Friend of mine in XXXX . I talked on their red phone that they have at that location, that someone automatically answers to guide you with the transaction. 
After I confirmed my name, my friends name and location, the Transfer in Minutes fee for sending {$1500.00} was {$80.00}. So I agree to that and pay the money, I got a Reference # XXXX and they said the money should be available to pick up in XXXX in a mater of minutes. But that never happened because the second day XXXX XXXX I called moneyGram to check the status of the transaction and they said the transaction is under review and that they need to transfer me to a different department that has some question for me. So they transfer me and I waited 20 min and nobody answered.I called 2nd time after ~1h and same story I was transferred to this department that never answers ... and waited for ~32 min this time ... still no answer so I give up. XXXX XXXX in the evening I go to a money gram location next to my house to try to get some answers, I used their Red phone again and guess what, same story I had to wait to talk to this department and they said it may take more the 40 min or 1 hour. So I told them that in this case I just want to cancel the tansaction, because it is not money in minutes transaction anymore, almost a full day past by and I spent XXXX on the phone trying to understand what do they need to review. 
XXXX day the XXXX XXXX 2016 I called them again, same story this time they transfer me and this department finally picked up after just ~15 min waiting for them. And they asked me the same question that they had asked me when I first made the transaction on the phone, my name, my friends name ( the receiver ) and so on ... that finally they come up with this reason that the transaction has to much risk and that they will refund my the money. Now I got a new reference # that I hope I can use it to get my money back, I have not got to and MoneyGram office yet. So this was after min ~ 35 h from when I made the transaction and payed the money for it. So the SCAM that MoneyGram IS DOING is that they have use my money ~ $ XXXX {$80.00} fee ) for ~35 h and as they work almost all over the world they probably do this for XXXX of people like me and are able to block huge amount of money just for at least 24 h so they can collect interest on it or invest the money or whatever. For a service that is called money transfer in minutest that actually blocks your own money for more then 24 h that is outrageous and most probably illegal. I relay appreciate if you will take note of this fact and start investigating Money Gram. 

I WILL NEVER USE MONEYGRAM SERVICE AGAIN
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX, I received an alert for a new collection from XXXX XXXX XXXX stating that I owe XXXX from the Slate. I have written all 3 credit bureaus disputing this item requesting proof of debt. I did not receive a validation letter nor does the address matches any of my addresses on file with the bureaus. My contact with them states this is for an apartment. I am a homeowner and have not rented in years. I am requesting that this account be removed from all 3 bureaus immediately and a copy of all contracts etc. so I can file a police report, at this time I have an inaccuracy on my credit reports and I'm not getting and resolutions.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX, VA took over my mortgage loan from TIAA  Bank. I paid off my Mortgage through a refinance. THERE IS AN OVERPAYMENT BY THE NEW MORTGAGE COMPANY OF {$1500.00} AS WELL AS {$1100.00} ESCROW BALANCE AS OF XX/XX/21. NEED YOUR HELP AS NEITHER LOANCARE LLC OR TIAA BANK HAVE ANY WAY OF BEING CONTACTED e-MAIL OR TELEPHONE. PLUS THERE ARE HUNDREDS OF SIMILAR ONLINE COMPLAINTS ABOUT THIS GROUP.
Product: Mortgage

Completed FHA XXXX refinance with appraisal in XXXX 2015 with CMG. Paid {$510.00} for appraisal all documents were correct at closing and all mortgage documents and FHA documents signed at closing reflect correct Mortgage Insurance Premium ( MIP ) of .0080 % for XXXX months. ( See attached docs ) CMG sold rights to loan before first payment due. After I made first payment I noticed that the servicer XXXX was deducting to much money from my escrow account for MIP. Contacted XXXX and they informed that the loan was closed with FHA as XXXX Refi without appraisal and the MIP was .0085 % for 30 years. I filed a complaint with the Comptroller of Currency as XXXX is regulated by them and they sent a resonse. ( see attached ) XXXX contacted CMG Financial because they caused the error. I recieved a letter from XXXX XXXX ( Vice-President of CMG ) ( see attached ). CMG offered to refund the excess for the life of the loan or refi at " no cost '' to correct the error. Upon research with the FHA the loan can not be corrected it would need to be refinance to correct the error. I spoke with the FHA and they said that refunding my money monthly was not allowed under their rules and I am not comfortable with that either because CMG no longer owns the rights to the loan and I have no guarantees if they become insolvent or are sold in the future that I will be refunded for 30 years. The FHA also said they require a " Tangible benefit '' to refinance my loan and I would have to agree to a new 30 year loan. I have already paid more than {$8300.00} in interest, MIP and UMIP on my current loan and do not want to lose that benefit because the loan company made an error. I agreed to a " no cost '' refinance into a 29 year conventional loan at the urging of XXXX VP. When the loan papers arrived for my signature they show that I must pay {$8500.00} to refinance. That is not a no cost loan so I contacted CMG and they stated that I would have to agree to pay or they would not refinance. CMG has left me with a defective loan and does not want to fix it because it is " too costly '' for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, which resulted in numerous unauthorized accounts being fraudulently opened under my name. Despite filing disputes with the credit bureaus and providing evidence through a valid FTC identity theft report, the following accounts remain on my credit report : 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 XXXX XXXX XXXX XXXX  These accounts were fraudulently opened without my consent and are negatively impacting my credit profile. The XXXX XXXX account, where I am listed as an authorized user, was added without my knowledge or permission. 

Additionally, incorrect personal information, such as aliases and previous addresses, has been added to my credit report. The credit bureaus failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation or removing these fraudulent accounts after my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ChexSystems, Inc. regarding their unauthorized use of copyrighted material. This complaint is being simultaneously filed with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to address the infringement and seek appropriate remedies. 

Despite my attempts to resolve this matter directly with ChexSystems by notifying them of the infringement and requesting cessation of the unauthorized use, they have failed to respond or rectify the situation. This lack of response and disregard for copyright law necessitates formal intervention by regulatory bodies such as the CFPB and the XXXX.
Product: Mortgage

I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother