23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I PULLED MY CREDIT REPORT AND I NOTICED ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT MINE AND UNAUTHORIZED. I FILED A POLICE REPORT IN XXXX XXXX, NV, AND I FILED A COMPLAINT WITH THE FTC. I AM A VICTIM OF FRAUDULENT INFORMATION. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING UNAUTHORIZED INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE MISINFORMATION CAME TO TAKE PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY PERSON/PERSONS/OR ENTITIES THAT MIGHT BE RESPONSIBLE. I HAVE NOT RECEIVED ANY MONEY, GOODS, OR SERVICES AS A RESULTS OF THE DISPUTED MISINFORMATION XXXX XXXX CREDIT CARD ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT. 
IM ASKING EQUIFAX TO REMOVE THIS ACCOUNT IMMEDIATELY. DATE OPEN XX/XX/XXXX. 
INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XXXX  XX/XX/XXXX INQUIRY :
Product: Mortgage

I have been working with XXXX XXXX and XXXX XXXX on my mortgage and mortgage closing. The two have been unresponsive in my requests to acquire the closing documentation ahead of the date. I have asked for all of the closing paperwork in writing 4 times and have received nothing. I have also tried calling but neither answers their phones nor do they return my calls. The closing is tomorrow and we are trying to keep it short given the pandemic but that won't be possible now. I have never had issues getting this paperwork in advance before.
Product: Credit reporting or other personal consumer reports

Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX City State Zip : XXXX, Florida XXXX Date : XXXX Creditor Name : Strike Acceptance inc Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX RE : Inaccurate Credit Reporting ( 15 USC 16812 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( Strike Acceptance inc, account number XXXX ) is reporting a balance of ( {$9100.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 
This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 
Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 
If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

Third time complaining. I have a letter from Fed Aid that states I do not owe any money on my student loans. How do you override the fed government database I'm not sure. Please explain my balance again since everywhere and everyone says I do not owe. You are con artists and scammers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

XXXX took money from my account {$34.00}. I returned the item via XXXX and was told I would receive a refund by the XXXX. I still have yet to receive the refund. Not only that, XXXX took {$230.00} and said they would put it back and refund but have not. When requesting for a dispute with cashapp they denied it even with proof of the return. I am so frustrated and want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN XX/XX/2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX/ XXXX XXXX ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX
Product: Mortgage

Mr. Copper is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking. I have appealed the denial within the required 30-day time frame. Mr. Copper received the Appeal Letter but has not responded to my appeal letter dated XX/XX/XXXX, Therefore, I have not exhausted the appeal process. I also fully submitted documents again for mortgage assistance. Mr. Copper has not stopped the foreclosure sale scheduled for XX/XX/XXXX. The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Product: Mortgage

my mortgage company Green Tree Servicing LLC / Ditech to over paying the property taxes XXXX XXXX 2013 due to a delinquent status on my account. Green Tree Servicing LLC / Ditech overpaid the taxes by {$4500.00}. my escrow has been in the rears ever since, for over two years I have tired to get Green Tree Servicing LLC / Ditech to correct this, I forward proof of overpayment to Green Tree Servicing LLC / Ditech.
Product: Checking or savings account

XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX? XXXX XXXX $ over draft fee Many of these over draft fees were incurred form charges that range from XXXX $ XXXX $ I have spoken with Wells Fargo several times to ask them to look at my account to resolve the issue of them allowing them to overdraft my account. I was told that the charges that are made do not post from the merchant until the next day. I was confused as to why they could not stop payment and just decline rather than allowing charges to ram up on my account. The balance that is being shown in my account through the app is never what's really there. I would not make a purchase if the money isn't there. They were saying there online banking was running. assist if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, XXXX, and Transunion were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, Transunion, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, XXXX, and Transunion refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, XXXX, and Transunion- to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I received a notification from my credit monitoring company that Home Depot Credit Card Services reported an over 30 days past due on my credit report. 

On or about XX/XX/2019, I called Home Depot to place both my Home Depot Credit cards on auto-pay, as I was planning on going on an extended military field op. 

The disconnect was that the representative who took my call only put one of the two credit cards on auto-pay. 

I later requested that HomeDepot review the call and to investigate this error further. I asked for HomeDepot to reverse this credit reporting to reflect an accurate representation of creditworthiness. 

After a month, I called Home Depot to get an update about the status of the case. I was told that their investigation concluded that Home Depot was not at fault and that they will not reverse the reporting. I asked if anyone listened to the calls and was told in a very unsympathetic way that Home Depot investigation was final and that there was nothing else I could do. When I asked whether I can speak to the department which investigated my claims, I was told that they do not communicate with customers directly. 

I am not asking Home Depot to remove the +30 days past due as some favor ; I am asking for them to remove it because it is inaccurate and because it is the right thing to do. 

I have 3 credit cards with home depot : two of mine and one of my wife. We maintain active balances and have NEVER been late on any of our payments.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian has continue to use the inaccurate information. The following items with the Id numbers needs to be removed as Experian has continue to violate XXXX XXXX XXXX XXXX XXXX I received mail from Experian on XX/XX/2023 with the wrong name and address, i was addressed as XXXX XXXX which is not my name or my address that was reported. I am asking that that following accounts be removed from my credit report so that it will reflect XXXX name and XXXX address. Please as stated by ; Section XXXX XXXX XXXX Code XXXX Section XXXX XXXX XXXX Code XXXX XXXX Section XXXX B XXXX XXXX Code XXXX XXXX address Id : XXXX report number XXXX name Id : # XXXX, name Id : # XXXX, name Id : # XXXX none of the following items are of my identity. this is why my information has been used in an identity theft with the following companies because Experian 's has been reporting other people names and addresses on my credit report. The on name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Hide full complaint
Product: Credit card or prepaid card

I have been a USAA customer for over 30 years and in the last several months I have made several large payments to my credit card. XXXX for XXXX in XX/XX/2021 and one this week XXXX XX/XX/XXXX ) for XXXX. 

USAA has gotten into this habit of not applying the payment for seven days. I called USAA and they tell me that this is related to DTCC and ACH clearing. Which is nonsense as the ACH clearing takes 2-3 business days. 

My concern is that USAA has this money and they are not applying this to the available credit but they are likely using the money in the banking apparatus and leveraging for loans and other financial products. 

When I spoke with USAA they refused for over 30 minutes to transfer me to supervisor and once I did, they didnt seem to care. The supervisor told me that, no one in the bank can make this faster. 

It seems like this is local policy and that numerous customers are experiencing the same issue. This is based upon a number of internet services and the exact same issue is being described. 

XXXX XXXX
Product: Credit card

I have always made sure to pay on time for this account, never letting payments become overdue. I am confused about the late payment remarks on my accounts. As stated in 15 USC 1666b, this billing error needs correction.
Product: Credit reporting or other personal consumer reports

Upon conducting a thorough investigation into my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. This negligence has caused severe emotional distress. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report be reported with XXXX % accuracy. However, your agency 's failure to uphold this standard is unacceptable. 

I demand immediate action to rectify these errors and expect full compliance with federal regulations. Failure to do so will result in further legal action.
Product: Mortgage

I contacted the bank on XX/XX/XXXX about escrow shortage. I wanted to pay the shortage in full. I was quoted an amount. I paid said amount. I was quoted a new payment and a start date. I logged back on XX/XX/XXXX to verify. I was informed that I was quoted the wrong amount of shortage and that I owed more. I paid that shortage and was assured new payment would be processed. I asked for management to reach out to me. They did through secure message, not a phone call. I got a message stating everything was cleared up. Shortage was paid in full and new payment was recorded. Received phone call on XX/XX/XXXX saying Im behind on payment. Customer service on phone was rude! I asked for manager. I was transferred. I was told they could not see any messages and that I must make prompt payment on phone to avoid collections. The payment they wanted was for shortage to escrow. I denied to pay because of proof I have in chats. Customer service manager stated there was nothing she could see or do. This sounds like a fraud claim to get more money into an escrow account that they can use and sit on interest free. I have screenshots of messages to prove conversations had. There is fraud practices going on inside bank institutions.
Product: Debt collection

The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

We requested the local XXXX dealership to contact XXXX XXXX to see if we qualified for a loan. We stated we only wanted one inquiry on our reports and they claimed they only pulled a soft inquiry at the dealership. When I showed them that each of our reports had hard inquiries on them, they apologized and tried to have each credit bureau remove them. They suggested that I take this route to file a complaint to achieve this goal.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of Accounts Dear TransUnion Dispute Department, I am formally disputing the reporting of the following accounts on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified multiple violations of federal consumer protection laws, specifically : 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies can not disclose my nonpublic personal information to third parties without my explicit consent. 
TransUnion has not provided evidence that I authorized these accounts to be reported or shared with third parties. 
Resolution Demand : If TransUnion can not provide signed documentation proving my consent, these accounts must be immediately deleted from my credit file. 

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose FCRA 1681b strictly limits the furnishing of consumer reports only for specific permissible purposes.

TransUnion has not provided proof that the reporting of these accounts was done with a valid permissible purpose.

Resolution Demand : I request that TransUnion provide verifiable proof of permissible purpose, including : Signed authorization allowing these creditors to report these accounts. 
Detailed verification records explaining how these accounts were confirmed as accurate. 
If TransUnion can not produce this evidence, these accounts must be permanently removed from my credit report. 

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Unauthorized reporting of accounts may constitute identity theft under 18 U.S.C. 1028A.

If these accounts were reported without my explicit authorization, I may be a victim of fraudulent reporting.

Resolution Demand : If TransUnion can not verify with 100 % accuracy that I agreed to these accounts being reported, these accounts must be deleted immediately, and TransUnion must conduct an internal fraud review.

Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally request that TransUnion conduct a reinvestigation of these accounts within 30 days. If these violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and may pursue legal action under FCRA 616 & 617, which provide for statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of these accounts within 30 days. If TransUnion continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX XXXX