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

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts and inquiries have appeared on my credit report. Pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following fraudulent account and inquiries from my credit file. These entries were caused by unauthorized access to my personal information. 
Account to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

During the recession we were having trouble keeping up with our mortgage, so Bank of America offered us a option to help our situation thru the harp program. They took what we were behind in payments, added more to that for fees etc, and extended our loan to a 40 year mortgage. So now we find ourselves paying about the same payments that we were before only now much less of that money goes towards the principal. When you are facing loosing you 'd home, you will agree to terms that are not to your overall benefit.
Product: Mortgage

To whom it may Concern : I am a US Veteran in a active Bankruptcy. In XXXX XXXX, I submitted a request for a payoff from my lender Wells Fargo Home Mortgage. Wells Fargo responded to my request and sent over the payoff for the mortgage. I noticed that it was interest in the amount of {$7000.00} plus. I called and asked why do I have this much interest if I am up to date on my bankruptcy payments and I am still making monthly payment on the mortgage loan? I was informed from a representative that I am past due on my mortgage since XXXX XXXX. I explained I have been paying more than required for my mortgage and need to know if the funds have been applied? The lady told me the funds have been applied and I just need to catch up on my mortgage. I explained I am confused if I am behind on my mortgage payment would n't Wells Fargo file a motion to dismiss? She said no it will just keep accurring late charges. I said that does not make sense. Then I was forward to an escalation department regarding the issue. I asked for a payment history which I was not able to receive as of this date. Senior Vice President sent me a letter regarding they are looking to resolve this issue by XXXX, XXXX. I called to find out what is the status and was advised by XXXX ( employee of Wells Fargo Escalation Team ) that they are looking to see when I started becoming late with the mortgage. I explained to XXXX that my lateness is not the issue but the interest on the payoff. I am confused with what have they done with my monthly payments I have been making in the amount of {$1900.00} per month. The reason for the payoff is to refinance my primary home and get a lower interest rate from 6.375 to 3.875. I want to pay my debts but need to understand why I am going through this dilemma. My Bankruptcy Attorney and he was not able to get an answer. I ended up in this situation of Bankruptcy because they did not complete my modification in a timely manner. I do not want to get to the end of my bankruptcy and still owe a past due balance. Can some explain where is my monthly payment going and why is the interest so high on the payoff. It seems like I am being cheated or robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my disputes to all three credit bureaus on XX/XX/16. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA
Product: Money transfer, virtual currency, or money service

This occurred between the dates of XX/XX/XXXX to the XX/XX/XXXX. I was purchasing a XXXX XXXX bundle off the XXXX app through a user called XXXX. His profile was of the XXXX football team helmet. Claimed to be a hardworking father of XXXX. Location was in XXXX. Claimed to be in Ohio for the holiday. 

Offered to ship the item to me after I put down a deposit incase I stiffed them. Claimed they would mark the item as sold if I did so. 
They blocked me as soon as they received the money. 

The app was buggy after the first deposit, unable to send or recieve messages. Then it said I was blocked.
Product: Credit reporting

XXXX XXXX is reporting incorrect information on my Experian credit report. This is in reference to account number XXXX. See attached Experian credit report pages XXXX and XXXX. XXXX XXXX is reporting the following incorrectly : -Status : Foreclosure proceedings started. 
-Comment : Foreclosure proceedings started. 
-Payment history : Showing foreclosure as of XX/XX/XXXX and XX/XX/XXXX. 
This is incorrect information and I have disputed multiple times to no avail.
Product: Credit reporting

XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and to have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions. I have never shopped or did business with this company, XXXX I have never had an account with them.
Product: Credit reporting or other personal consumer reports

I recently accessed my credit report and after several attempts to correct my name listed on my report, Transunion still has an incorrect name listed on my credit report and for this I have incorrect accounts listed on my report. I have suffered financially and emotionally from this error. 
I am requesting that this name be deleted from my report and the correct name, XXXX XXXX as my legal and only name.
Product: Student loan

Hello, I have been paying back my loans as required. Recently I received a bonus from my employment and tried to do the responsible thing here and put it towards my loans. I went into the system and paid off one of my loans entirely. Afterward I went back in to find that the amount I paid which listed the full amount I paid {$5100.00} did not satisfy the amount. In looking back at the records it details/verifies that the amount I paid was in fact the full balance ( Principal {$4900.00} and Interest {$280.00} ). However, they are coming up with an additional {$280.00} that I owe. It's pretty clear they essentially didn't zero out the interest amount when I paid. However, when I called them to rectify they claimed this was a hidden amount not reflected in the numbers they had generated in the system for me to view. The service representative I spoke to then proceeded to tell me if they make an error or find later on that I should pay more money they are allowed to do so. That would breach elements of the program and basic contract law. 

The loan servicer is : PHEAA ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

BANKRUPTCY LETTER Your Name/ XXXX XXXX XXXX Your AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State , Zip code/ XXXX IL XXXX Receiver Name/ Experian Receiver Address XXXX XXXX XXXX City, State, Zip code XXXX, TX XXXX To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file.

you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and XXXX XXXX has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts Your company is not upholding your grave responsibility to report, fair and accurate information, because you have never validated or verified these public record entries on my consumer report, which is a violation of 15 USC 1681a ( e ). Your company is committing FRAUD.

Because of these many violations and fraudulent activity. I have suffered greatly by not being able to extend credit, as well as not being able to sleep at night. Because you have failed to validate, verify, and uphold federal law, this bankruptcy needs to be permanently deleted from my consumer report immediately. 
Your company has 30 days by law to comply with what l am asking of you. Failure to comply is willful noncompliance and your company will be held civilly liable. 
Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved
Product: Debt collection

Beginning XXXX, Rushmore Service Center LLC started harassing my workplace, my co-workers and my Supervisors. I work only a few days a month at my workplace and do not even live in XXXX XXXX SD. When the process server came to the business they showed the paperwork to our guards with personal information regarding me. They then refused to leave when told I could not come out or was not there. They followed and questioned co-workers about me and my schedule. Then a week ago they started harassing my Daughter at her apartment. They left a postcard in her door and today the taped a postcard to her apartment entry main lobby for everyone to see. Not in an envelope and had my name and her apartment # on it. I contacted the Atty General for South Dakota, XXXX XXXX and he instructed me to contact the FTC/complaint file/and to contact you. They are locating my children using XXXX and XXXX and they gather all of my children 's info, their spouse info/ssn # 's/phone # 's/neighbors # 's and cousin 's information including ssn # 's. 
They were told by my Attorney XXXX XXXX, XXXX SD, that they had to contact him and only him but they do not listen and now have released private information to my family, co-workers, guards at my work and Supervisor. I do not know what they want or are trying to collect. My spouse has XXXX and has medicare. I only work 2 days a week and travel to do that. It uses everything I make to keep coverage of health insurance at work. They were told 2 days ago by my Daughter that they have the wrong address and still posted a postcard with all of my information today in her entryway. At least XXXX people would have seen it today.
Product: Credit card

I have a Citibank credit card that I had planned to use while traveling in XXXX since the account does not have foreign transaction fees. I set up travel dates online so that I would not have issues using the card outside of the United States. I used the card from XX/XX/2023 to XX/XX/2023 with no problems. When I tried to use it on XX/XX/XXXX, I received a fraud alert on my phone. I called the fraud number, and was told that they could not verify my account for some reason. I called back again with the same response. When I arrived back home, I tried to close the account on XX/XX/2023, and they told me that they can't close the account because they can't verify my account. This makes absolutely no sense at all. I have the credit card in my hand. I answered all of the questions they asked about my " secret word '', my address, phone number, etc. I have had a Citibank credit card since the XXXX. Apparently, if I don't have another Citibank account, they can't verify your account. I just want to close this account, and have no way to do so, since Citibank has no locations near where I live.
Product: Credit card

Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Bank of America, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Bank of America apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Bank of America sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX " description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Bank of America is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Bank of America, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Bank of America has created this confusion and threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to log into my Experian Credit Bureau account, but was not successful. I tried to change my password and user i.d., but no luck. This process required me to provide my SSN and birthdate, but when I did, a message stated that these did not match. When I typed in my user i.d . or my e-mail address, it said there was no record of my user i.d ( e-mail address ). I had no luck contacting a real person by phone, except an operator who instead of connecting me with a real person, instead connected me to the same recording I got using the phone number listed on their web site. I sent a written letter on two occasions via USPS, one certified for which a got an acknowlgement of receipt, but no further action other than an e-mail asking me to rate their customer service, which of course I gave them a big fat ZERO. I previously had an issue with my e-mail which my ISP, XXXX XXXX, said had been compromised. My concern is that some hacker is using my Experian account for some fraudulent purpose, and Experian will do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on this account that i did not authorize or complete personally
Product: Money transfer, virtual currency, or money service

After placing a freeze on a government issued check, BOA sent a notice saying they would pay all fees and overdrafts incurred during the freeze. They then went in my account and changed my payment date on my car payment. It was made on XX/XX/23 to be paid XX/XX/23. The freeze did not allow me to cash any checks. Causing me to miss a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A consumer in  California had a n issue with a local   XXXX   XXXX   and sued them. I own a   XXXX   XXXX    in Texas with a similar name - but I have no relation to the  XXXX  in California. Due to the similar name, somehow my  XXXX  was named as the defendant in the California consumer 's case.     I did not receive notice of any legal actions in California. A judgment was entered against me in the California case and reported to Experian, which in turn has caused a credit freeze for my business line of credit.     My attorney has contacted the plaintiff in the California case, and the Plaintiff has agreed that I am not the proper defendant. The plaintiff and I have both filed motions with the California court to set aside the judgment because of this error.     I have reported this error to Experian many weeks ago, and my credit line is still frozen and I can not conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've written Equifax twice to remove a tax lien on my credit report and my spouse 's credit report which inaccurately reflects a paid tax lien of {$1900.00}. I explained to them numerous times with certified documentation that the lien was filed in error and should be removed. Nothing was ever paid on that tax lien. A subsequent  XXXX  filed for that tax year removed the {$1900.00} debt.     Instead of Equifax actually conducting a debt, they kept sending letters stating, " Investigation Complete ''. And I know that is incorrect.     I 've emailed them copies of emails from the State of Georgia back in  XXXX  that show that lien was filed, then removed but that no monies were ever paid. In fact, the lien was reversed and we got a refund instead.     I 've explained all this to Equifax in  XXXX ,  XXXX ,  XXXX , and now this month, and they insist on ignoring it, by sending me correspondence stating " Investigation Complete ''. I know my rights. I sent them a letter demanding a thorough investigation under the Fair Credit Reporting Act, Section 609, and they sent me an " Investigation Request Form '', with no acknowledgment of the investigation.     Equifax has caused mu family undue denials and high-interest rates because they failed to follow the Fair Credit Reporting Act and actually VERIFY the accuracy of information prior to reporting it. Instead of simply verifying whether it was filed and released.     As a side note,  XXXX  and  XXXX  immediately removed it once they discovered the financial impact to our scores. Equifax does n't seem to want to remove it.
Product: Student loan

EdFinancial ( XXXX XXXX XXXX XXXX ) can not process payment reliably- In fact, every time I've tried to set up recurring auto-payment for my student loan amount with a valid checking account, it constantly flags with an error or will not go through whatsoever. These technical and logistical errors from EdFinancial make it increasingly difficult to pay off my loan on a regular schedule AND accrues more interest costs to me when the payments I try to facilitate fail due to their complete lack of capability and ineptitude of facilitating or processing payments I try to continually make through their services. I've not been able to make any loan payments ( with increasing interest totals ) due to their broken site and abject customer service. 

To reach a resolution, I'd like to either transfer from EdFinancial to another federal student loan servicer or have Edfinancial actually fix their site/services to allow recurring payments to execute reliably.
Product: Debt collection

This information is fraudulent and needs to be removed from my credit score immediately and permanently. CREDIT COLLECTION SERVIC CREDIT COLLECTION SERV
Product: Credit card or prepaid card

I have filed a complaint against charges made on my XXXX XXXX credit card unknown to me via phone. I was told I would get more paperwork in the mail to fill out, but all I got was a letter from them denying my claim. I have also advised them I do not have my credit card in my possession for over two years now. I moved two years ago and I lost it in transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, XXXX or XXXX. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$30000.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of, XX/XX/year>. 
According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX which allows consumers to seek legal recourse for willful non- compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX