23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom mortgage lost my XX/XX/XXXX mortgage check, thus charging me {$40.00}. I sent in a replacement check which they also lost, and charged me another {$40.00} and adversely affected my credit rating. OnXX/XX/XXXX I received a peculiar phone call from Freedom Mortgage. The individual on the phone bluntly asked me if I had sent in my XXXX mortgage payment. I was rather taken aback by this strange call, and said, " Yeah I did, Why? Did you loose that one too? '' He answered by telling me that they were calling random mortgagee 's and asking when they sent in their mortgage payments. I always sent mine in 3 or 4 days before the first of the month. He continued on to tell me that they had been having trouble getting their mail at their mortgage receiving facility since about mid XXXX. I replied, " Oh, is that why both of my XXXX checks were lost? '' He simply said, " Probably. '' I asked him if I could get something to that effect in writing so I could restore my credit. He said he would send me a letter stating the problem, but he was probably told by his superiors that such a letter would admit guilt. needless to say, I never got that letter. I never had a late mortgage payment in 23 years. Now because of their own negligence I have a bad credit rating, dropping about 100 points for two late mortgage payments. I have since sold my home, but would like to buy another. I have written several letters asking them to expunge the bad rating they caused, and to restore my credit. They have refused to assist me on any level. I know they are in violation of UDAAP laws as they knew this problem existed for about a year, and dragged their feet in getting it resolved with the Post Office.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at PennyMac told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. I am in the process of refinancing my home loan and this late reporting is causing me a hardship.
Product: Debt collection

Dear Sir or Madam : As I already reported via XXXX, I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, I am a victim of identity theft, and I did not make this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed
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 more then 38 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting a debt on my credit file that I do not owe. I recently checked my credit report and noticed this debt is still reporting. I have not made a payment in over 7 years and this account is past the credit reporting limits under the FCRA. Not only that, I have talked about this with the attorney general of California and have found that this account is past the statute of limitations as well. You can longer collect or sue me for any debt related to this account. You are in violation on 2 accords and I ask that you remove this account immediately.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete incorrect accounts from my credit report. Can you check the documents? Some listed accounts are inaccurate in terms of reporting, with wrong amounts and dates.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there is an issue with the banks for them to get my payments.I 'm really don't know what happened.
Product: Credit reporting

I am in the process of buying a home. I have contacted Transunion several times to remove my disputes so that my credit report can process in my lenders under writer system. This has been going on since XXXX of last year when I originally tried to purchase a property. This is effecting my ability to close and qualify for the first time home buyer program. I have called several times over the last year.
Product: Debt collection

I do n't recall getting any collection notice from Sentry. I am unaware what this bill is for and where it originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX. 
Re : XXXX XXXX, XXXX. 

Original Account Number : # # # # # # # # # # # # XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the above-referenced account number, which was previously held with XXXX XXXX, XXXX XXXX and has since been sold to your collection agency. I received a communication regarding payment options, but I have several concerns about this account that I would like to address. 

Firstly, I was not properly notified of the transfer of this account to a collection agency, and I would like to request validation of the debt, including the original loan agreement, a full account history, and the documentation of the transfer of this account to your agency.

Secondly, I believe there may be inaccuracies in the reporting of this account to the credit bureaus. As such, I am requesting that you provide me with all relevant details and investigate any potential errors.

If this debt is found to be inaccurate or unverifiable, I request that you promptly remove it from my credit report and notify the relevant credit reporting agencies of the correction.

I appreciate your prompt attention to this matter and expect a response within the timeframe stipulated by the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your cooperation. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My identity has been compromised in the Equifax Data breach Ive contacted the bureaus and placed a fraud alert on my credit reports, theres a freeze on my reports, also Ive filed a FTC report, and the identification thats needed to verify my identity. please view attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns towards the app Zelle regarding dispute money and transaction with customers recently in XXXX XXXX I made a transaction of {$1800.00}. I contacted them and they told me that the payment was irreversible and it was nothing they could do about it because at that point, the funds wouldve already been gone. despite using Zelle numerous times.The CFPB findings Indicate that not only has Zelle Neglected to protect consumers I also also allow repeat offenders to exploit the system
Product: Debt collection

We sold our home in XX/XX/XXXX. Our homeowners insurance did not get closed until XX/XX/XXXX due to miscommunication with XXXX. A proof of sale was sent and our policy was closed and check was sent for the overage. In XXXX of XXXX I received a bill for my policy for the dates XXXX in the amount {$870.00}. 
I have called XXXX multiple times and each time I have been told that this debt is an error and they shouldnt have sent me a bill. On one of the these conversations ( on a recorded line ) a gentleman told me it could have been that our escrow company sent a check to the wrong account ( possibly on our other house ) and if I received any more bills to disregard because they will fix it for me and resolve the issue. Each time I have heard apologies from the company and this has been going on for months. This week, I received a collections notice for this cancelled policy. I called XXXX again today to figure out what is going on and they explained that this debt has nothing to do with our policy ( even though the collections letter clearly states that it does ) and they accidentally sent us a check, written out in our names and just simply needed the money back because it wasnt supposed to be ours. So XXXX sends us a check in our name, we supposedly cashed it and then 5 months later they discovered they messed up so now instead of owning up to their mistake, they decide to link it to our cancelled policy, send it to collections, and continue to have no accountability. This is not my debt to pay. It never was. I responsibly sold my house, closed out my policies. I should not have to pay for another companies error.
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against TRANSWORLD SYSTEMS INC # XXXX FOR ALLEDGED BALANCE DUE {$220.00} XXXX reject your offer to contract I did not consent to any nonaffiliated third party TRANSWORLD SYSTEMS INC # XXXX to be in possession of my XXXX XXXX XXXX. I never gave any permission to TRANSWORLD SYSTEMS INC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter STATING thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO your debt collection company ''. I now have reason to believe that you are all conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN XXXX THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND XXXX CALLING ON THE CFPB TO ENFORCE AND POLICE MY FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO. THIS IS WHERE FDCPA VIOLATIONS ARE FOUND IN YOUR LETTER TO ME YOU STATED " THERE CAN BE POSSIBLE CONSQUENCES CONNECTED WITH NONPAYMENT OF A LEGITIATE DEBT. '' UNLESS TIMELY PAYMENT IS MADE WE XXXX RECOMMEND TO OUR CLIENT THAT THIS ACCOUNT BE TRANSFERRED TO OUR TEAM PROFESSIONAL TELEPHONE XXXX '' .TRANS WORLD SYSYEMSINC BELEIVES SETTLEMENT NOW IS BEST POLICY. THIS IS A ATTEMPT TO COLLECT A DEBT '' BASED ON EVERYTHING YOU STATED YOU ARE IN VIOLATIONS OF THE FDCPA XXXX XXXX XXXX XXXX XXXX XXXX  AND UNDER THE FDCPA VIOLATIONS FINDINGS XXXX XXXX XXXX I EXPECT MY {$1000.00} PER VIOLATION FOR MY DAMAGES DUE IMMEDIATELY.
Product: Credit card or prepaid card

Opened credit card with Bank Of America in XXXX this year. Set up Auto-Pay with " Amount Due '' selected ( as opposed to Minimum Amount Due, Account Balance or Fixed Amount ). Auto-Pay processed, but only paid the minimum amount due and I was charged interest on XX/XX/XXXX. I phoned Bank of America to resolve the issue on XX/XX/XXXX and they refused to refund the interest charges despite the fact that I had intended to pay the full amount due to avoid interest charges. The root cause of this failure is the third party company that BoA has contracted to collect payments using their web portal that uses a terribly design and perhaps intentionally misleading interface. I escalated this call twice, and was promised a call back by a supervisor, but this has not happened.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B 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 ay consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts and incorrect information and inquiries listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was with this bank XXXX XXXX XXXX XXXX and every month I'd have unauthorized transactions and wouldn't get my money back for weeks and it would cause my account to be in the negative especially with several days of overdraft fees and XXXX was a dispute that they said I was refunded and I don't see that and they the dispute department put my account into overdraft and then turned me in to the credit bureau 2 months later
Product: Money transfer, virtual currency, or money service

Previous Case Number : XXXX XX/XX/XXXX, my {$3000.00} tax refund was deposited into my Cash App account ( XXXX XXXX ), but I lost access due to changes in my phone number and email. After repeated attempts and providing legal ID, Cash App claimed in XX/XX/XXXX that they verified my identity and were awaiting confirmation to transfer the funds to my new account ( XXXX XXXX ). However, I never received instructions to proceed. Separately, Cash App advised me to close another account due to unauthorized charges, and now they refuse to provide my chat history needed for a lawsuit related to those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following incorrect addresses and employer and unauthorized inquiries on my credit report incorrect addresess XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

dear gs bank/apple This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX