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

This is a list of accounts that should be taken off of my credit report they are listed under regular inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a very long list and I don't know how they got some of these firms on this list but I know that they are not mine and they should be removed.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX my paypal account was limited back in XXXX with funds still inside, however I received a confirmation email at the end of the year stating " my funds are now eligible for withdrawal '' on XX/XX/XXXX. I have successfully added my bank as of today XX/XX/XXXX however when I try to withdraw the funds as instructed I get the following error message stating " Things don't appear to be working right now Sorry, somethings not right. '' I am being declined and I now need further assistance with the final step in retrieving my funds.
Product: Debt collection

XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.
Product: Mortgage

I was aware that I'd fallen behind 1 month on the mortgage but was not aware that I had somehow fallen 2 months behind. I received the statement at the beginning of XX/XX/XXXX telling me that I owed two months worth of payments Plus {$500.00} in late fees and additional {$200.00} in miscellaneous charges. I get paid every other week so my mortgage is always late because I don't make enough money to pay my mortgage by the XX/XX/XXXXto avoid the late fee of {$29.00}. I've been sending an additional {$100.00} per month for the last 12 months to cover any late fees and miscellaneous fees due to the check being late every month. the total amount in late fees that I paid as stated on my checks that I sent them with my statement due was {$830.00}. I received three separate bills from them 3 days apart for three different amounts of what I was supposed to pay to avoid foreclosure on my home. I borrowed money from a relative to pay the highest amount which was {$2900.00}. I've encountered an issue with Freedom Mortgage before where they get my check on time for the mortgage payment but they hold it until after the last date possible to cash it and then impose a late fee on me. So to save our home I paid {$25.00} to have the payment sent overnight mail certified signature required. It was received on 1/23/2020 and all them my mortgage account shows the payment was received today 1/27/2020, they still have not cashed it. I also sent me this payment copies of the three separate bills they sent me three days apart showing three different amounts and a statement showing my check number the month mailed and the amount and how much was paid in late charges with each check that I sent in. I also inquired why they were charging into their {$500.00} in past owed late charges in addition to another {$200.00} in fees. You can't get ahold of anybody by the phone didn't respond to you in the shuffle you around until you finally get someone who just hangs up on you. When reviewing my online account today with them and they charged me {$20.00} six separate times. In one day with no explanation. I want to know where the {$830.00} I sent over the last 12 months and late fees went and where the other {$700.00} in late fees and miscellaneous charges is going. They are misusing my hard-earned money to pay my mortgage. I just mail XX/XX/XXXX payment today. But I mailed in two separate checks. one is for the mortgage payment and the second check is for {$29.00} which is the late fee and specifically stated my reasoning for two separate checks because they are misusing my funds when I mail them a check. I'm trying to save up {$1100.00} so I can go online on the XX/XX/XXXX of each month and pay the mortgage timely without having to worry about the misusing my funds. However this is been an issue every XX/XX/XXXX or XX/XX/XXXX for the last three years with this Mortgage company. I want my mortgage sold to a different finance institution who won't abuse my mortgage loan and threaten to foreclose on my home when I'm making payments on my mortgage every month.
Product: Credit card or prepaid card

I previously notified Bank of America that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I receive information that a collection company submitted a claim on my credit report. after disputing it it was removed because the account was paid in full before it was closed. 2 months ago i received another collection agency claim on my credit report, I disputed the claim, on which i try to contact XXXX to find out why i was getting charge again. while on the phone with the company he told me that because i didn't remember my log in information i needed to go to a retail location, at the retail location they told me that i need it to call the XXXX ( XXXX ) number. 
collection agency is AFNI.inc, date reported XX/XX/XXXX balance {$770.00} First company to submit on my credit report : XXXX XXXX XXXX. submitted on XX/XX/XXXX Balance XXXX status : removed from credit history XX/XX/XXXX
Product: Mortgage

i havenot been credited for 2 mortgage payments on XX/XX/2018. i made payments by 2 seperate checks in the branch in XXXX ga on XX/XX/2018 and have sent in a copy of my receipts for this transactions along with copies of both cancelled checks. neither of my payments and the late payment charges have been credited to my outstanding mortgage balance. my loan has since been transferred to a debt collections serivicer and and i am not able to make any progress with getting this huge error corrected.
Product: Money transfer, virtual currency, or money service

Transfer was started on XX/XX/XXXX with a completion date on XX/XX/XXXX. My money was taken out of my account on XX/XX/2022. The dashboard stated that they are verifying me, however no communication was sent to may email. I spoke to their agents on multiple occasions. They wouldn't tell me what else is needed and just said it was internal issue. The also encouraged me to cancel transfer. I did realize there was a change in the exchange rate to XXXX. The rate was locked in at XXXX per XXXX  however that dropped, so it was better for Wise to cancel my transaction so they could benefit from a better rate ( for them ). I attempted to contact them 3 times. Each time they refused to forward me to a supervisor. I want CFPB to review their unfair business practice.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Inaccurate Information Due to Equifax Breach FCRA Compliance Dear Equifax Dispute Department, I am writing to dispute inaccuracies on my credit report that I believe are a direct result of the recent Equifax data breach. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies maintain accurate and complete information in consumer credit files.

Details of the Dispute : Upon reviewing my credit report, I identified the following inaccurate and potentially fraudulent accounts : XXXX XXXX XXXX - Amount : {$12000.00} XXXX XXXX XXXX - Amount : {$2100.00} XXXX XXXX  - Amount : {$6400.00} These accounts are not recognized by me and are likely the result of unauthorized access to my personal information due to the breach. 
FCRA Requests and Legal Obligations : Pursuant to 15 U.S.C. 1681i ( a ), I request that Equifax : Conduct a thorough investigation into the disputed accounts to verify their accuracy and legitimacy. 
Remove or correct any inaccurate or fraudulent information from my credit report that has resulted from the breach. 
Provide written confirmation of the results of your investigation and outline any actions taken to rectify the inaccuracies. 
Supporting Documentation : To assist in your investigation, I have enclosed copies of the following documents : A copy of my credit report highlighting the disputed accounts. 
A government-issued ID ( e.g., drivers license or passport ). 

A copy of any relevant correspondence or documentation related to the breach ( if available ).

FCRA Compliance and Expectation : Under 15 U.S.C. 1681b ( f ), Equifax is obligated to ensure the accuracy and completeness of the information reported. I expect a thorough review and correction of my credit report to address the inaccuracies stemming from the breach. Please complete your investigation within the 30-day period specified by the FCRA.

Should the inaccuracies not be resolved to my satisfaction, I reserve the right to escalate this matter to the appropriate regulatory agencies and seek legal recourse if necessary. 
Thank you for your immediate attention to this urgent matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if additional information or clarification is needed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, DISCOVERBANK, and XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DISCOVERBANK, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

This is a continuation of complaint XXXX To whom it may concern, We attempted to appeal Wells Fargo XXXX decision on Saturday XX/XX/year> by dialing the number specifically provided for the appeal at XXXX wherein we were transferred around multiple times and then advised that there is no one to speak to on XXXX. The response provided by Wells Fargo in writing provided the number previously listed advising hours of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX We called at XXXX XXXX 

We want to appeal the decision again asserting all of our debt originated with Wells Fargo including an unsecured XXXX that we have been paying and at no time did this organization advise that we should pay our XXXX before paying the unsecured credit card. We as consumers are relying on this company to guide us in the right direction specifically as it relates to our debt obligations and priorities in paying. Again, we have been making an approximate payment of {$350.00} per month while falling further and further behind on our secured debt. 

We have a Wells Fargo XXXX mortgage that was sold after being modified to XXXX  years wherein a negligible amount of the payment goes towards the principle, a Wells Fargo XXXX that we are over {$7000.00} behind in payments and Wells Fargo XXXX. 

We do not understand how or why a company that already has a vested interest in all the Risk of our debt are unwilling to put us in a better financial position by refinancing all of our Wells Fargo debt into XXXX monthly payment with a XXXX year mortgage. We have sufficient equity in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Product: Student loan

Please consider a review of the Federal Student Loan program, and the conduct of Federal Loan servicers. 
Item : 1. Overpayments being used to offset future payments. 

As a student loan borrower, if you make an additional payment, or pay over the monthly amount, servicers are applying the overpayment against future month 's payment. 
This is incorrect. 
The payment amount is based on the amount of time that has been agreed to in paying off an loaned amount - any increases in payment or payment speed should shorten the principal amount owed - and thereby the amount of time required to pay. 

What these Student Loan servicers ( Granite State Management & Resources in my experience ) are doing is maintaining the original amount of interest due by not reducing the principal with amounts over the payment amount or payments that occur earlier than the agreed-to payment dates. 

They should not be allowed to receive any more amounts in interest than what is equivalent to the interest rate times the amount of funds x time borrowed. 
They should not be allowed to " tack time on '' to increase the total interest payment amount, or maintain an artificially-higher level of payment distribution towards interest than towards principal. 
The requirement to a separate payment ( by mail, phone, etc. ) in order to get additional payment amounts to apply towards principal is in no way designed to assist the borrower. 

This is equivalent to a pre-payment penalty, and should not be allowed to be applied towards federal student loans just as prepayment penalties are no longer allowed to be applied towards private bank credit cards or any other private loan. 
This is ESPECIALLY predatory, since the loan can not be discharged in bankruptcy and certainly should not be allowed with Federally-guaranteed loans. 
Thank you for your consideration, and your service.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX ), has violated my rights. 

I looked at my credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 tinformation is inaccurate.
Product: Mortgage

I'am complaint about Green Tree Servicing LLC out of XXXX, AZ XXXX add a bad report of XXXX onto my credit report also why I have not receiving a offer before Green Tree placed this on my credit report. This has cause harm to my credit in a unfair way of conducting business
Product: Credit reporting or other personal consumer reports

I'm requesting an hearing with corporate office of this company and remove anything negative from my XXXX XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not
Product: Prepaid card

I reported fraudulent activity to American Express on XX/XX/XXXX for my Serve Prepaid account. There were approximately XXXX charges totaling {$430.00} from XX/XX/XXXX-XX/XX/2016. American Express has since closed my account, told me that the charges were authorized, and has refused to provide any additional information or credit. The fraudulent charges triggered a balance transfer and used up all my funds.
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 CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX  : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. 


XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011