23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is with reference to Mortgage Account Number XXXX with Loan Depot. 

The insurance coverage through XXXX XXXX on my residence lapsed while I was out of the country last XXXX, and I did not realize it till I got a note from my lender notifying me about it. I promptly got new insurance from XXXX on XX/XX/XXXX with whom I had also started a car insurance policy a few days earlier. In effect, I did not have coverage from XX/XX/XXXX to XX/XX/XXXX - a period of about 45 days. 

After I submitted the XXXX insurance, I as told by Loan Depot, that there was a gap of 45 days where I did not have insurance, and that they would try to get coverage for that period if I was unable to do it. When I checked around with XXXX and other insurance companies, they mentioned that it was illegal to backdate insurance. The letter from loan depot also indicated a charge of {$800.00} ANNUALLY. I spoke with the loan depot representative who indicated that the pro-rated charge for the 45 day period would be {$120.00} or so. Even though I felt that backdated insurance was a scam, I was ok as it was costing me only {$120.00} or so I was surprised to see a charge of {$800.00} on XX/XX/XXXX, and have tried to contact loan depot who have refused to remove this charge. Need help to resolve this issue, and remove this unfair charge. Please note that there was no damage or claim on the property.
Product: Credit reporting or other personal consumer reports

I have requested for my name to be corrected. They are listing numerous names on credit report and that should be only one. Also, there is an address ( s ) listed one my report that shouldn't be as well for I have only one address. I have sent numerous letters with proper identification and a bill each time I have sent anything to this bureau.
Product: Debt collection

On XXXX, I received a call from the area code in which I reside. Individual on the phone insisted on verifying my personal information, address, ssn, date of birth. I asked who it was. The individual then transferred to a man named XXXX who then quickly stated that he was attempting to collect a debt on a payday loan associated with my ssn. He then stated all my personal information like name address and DOB. He cited the laws in my state that I was in violation of due to this payday loan initiated on an account that I have not had for 10 years. I asked him to send me verification of the debt. He sent me a word document to my current email and gave me XXXX hour to determine if I was going to make arrangements to pay the {$2000.00} loan or be taken to court. The document included their case ID number, the lender 's name, the amount they were willing to settle and a disclosure with a toll free number. I called the BBB and reviewed this information. They looked it up and could not verify a business name associated with the phone numbers or street address. I called him back after reviewing the document and requested XXXX more hour as I had an appointment. He said fine. In that time, I Googled the address, phone number and nothing came up. I called the BBB of my state and they suggested to request official documentation of the contract for the loan. They also stated I should inform him that I had contacted the FTC. I called back to XXXX at XXXX XXXX Services. Once I requested the information and stated to him I had contacted the BBB he informed me that he had done everything he could and he would have to file with the court. He also stated I was not smart enough to even read the phrase Better Business Bureau. I interjected and said I am requesting this information so I can verify and protect myself from fraud. He repeated his comments and stated he is not frauding me. He then proceeded to berate me some more at which point I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

XXXX Card services was bought out by Capital One, I was never notified, my payments continued to go to XXXX, Capital One can not locate my payments, I have been charged numerous late fees d/t payments not getting to Capital One, my due date changed as well, Capital One has reported a XXXX late pay on my credit, I have contacted customer service and spoke to managers several times and they will not correct matter in the time frame I need to buy a home, I am being told it may be XXXX days before this is corrected. My statements clearly show my account current until Capital One took over in XXXX 2013. Even though I am being charged late fees, my payments were still made monthly and on time, my due date changed from the XXXX of the month to the XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed by cash app on XX/XX/2023. I had {$370.00} that I wanted to cash out and send to my checking account but there was a fee involved over {$6.00} so I called the number listed on the app site-XXXX to see if fee could be waived since I waited the 2 day period to be able to use the instant payment option that didnt include a fee. I spoke with a person who identified himself as a cash app service representative who assured me that I shouldnt have to pay a fee if only I updated my cash app account which was lacking my email address. I updated my email address and then was led through a series of motions including sending money to XXXX of my contacts. The person didnt say they were dollar amounts but numbers to verify my checking account so my money could be sent directly to my checking account. I did this 3 times with different amounts totaling {$500.00}. I only had {$300.00} in my checking account at the time so once these amounts were cleared and returned to me I was then instructed to open an app Called - XXXX XXXX  and the representative instructed me to send the money to another pserson who I didnt know and I voiced my concern telling him I didnt want to do this and I was told it was ok so I did it then noticed that my balance on my cash app was now $ XXXX contacted cash app support at a different number from XXXX not number on XXXX because it no longer worked, and an investigation was done but determined that since I authorized the transaction no error was found and my case was closed. My money wasnt refunded and the amount in my checking account was also taken leaving me with no Money but a - {$190.00} balance. I feel cash app is allowing these scammers to rob their customers because the number I initially called came from their app! Once the transaction was completed the call was cut off and when I tried to call back it came to a XXXX number and my fee phone carrier came up. I am on XXXX and could not afford this.
Product: Debt collection

I Sent portfolio recovery a letter on XXXX XXXX,2017 requesting that they validate The debt of {$420.00} they say I owe them. I never had an account with profolio recovery and the social security number portfolio recovery had on the account was n't mines and I want them to remove the collections off all XXXX credit reports
Product: Credit card or prepaid card

On XX/XX/21, I filed a complaint with the CFPB about a credit card dispute that Citi dropped the ball on. A few days later on XX/XX/21 around noon Pacific time, Citi called the merchant at the center of the dispute. On its face, it shows culpability as my underlying complaint was that Citi never even sent my dispute to the merchant. Citi never, ever contacted the merchant about my dispute. My complaint this time is about what Citi did next. 

When Citi called the merchant, XXXX XXXX, they spoke with XXXX. The guy from Citi didn't ask her anything about the dispute or my CFPB complaint. Instead, the guy from Citi violated my privacy by aggressively asking XXXX if I had completed by XXXX course at XXXX XXXX. XXXX answered in the affirmative before the Citi guy abruptly hung up. 

They had no right to do what they did. They had no reason to do what they did.
Product: Payday loan

Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was put in the wrong repayment plan. I completed an XXXX   application in XXXX XXXX XXXXXXXX. They attempted to process it in XX/XX/XXXX. They said my social security number was not on the form. This is not the case. They went back and indicated that it was there but never processed it. I am still in the wrong repayment plan. When I asked them to fix this last month, they said they couldnt do this because of the current court case. My form should have been processed and I should be in an XXXX  XXXX. I continue to make payments on the wrong plan and know that none of this time will count towards XXXX and I am devestated by this.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, On XX/XX/XXXX, There was a collection account reported XXXX credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

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

I I opened an account with Capital One on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into Capital One and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that Capital One remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.
Product: Student loan

Ive called and talked to Salle Mae over a hundred times about lowering my monthly payments. They take down my financial information and tell me that theyre trying to help, however they tell me what I can afford without considering what I actually can afford to pay them a month. They tell me that its their best program however, they expect me to pay what they want to each month without considering my everyday expenses. They are a money hungry company and I advise everyone to stay far away from them. When you call, you never talk to the same person and it becomes your fault even though you tried to contact the right person but they just report you to the credit bureau. They
Product: Debt collection

Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. 

They are also trying to collect on debt that is past its statute of limitations.
Product: Checking or savings account

I have {$240000.00} in a savings account at Marcus by Goldman Sachs Bank. 
I can not get my money out of the bank despite XXXX calls from XX/XX/22 and XX/XX/22. 

On XX/XX/22 by phone I closed the account and requested that a check for the money to be mailed to me. I was told that this would occur. I complied with all the security checks and was told that a check would be mailed. I never received the check. 

On XX/XX/22 I called to complain that I never received the check, and the bank representative confirmed that no check had been mailed and we went through the whole security process again with a special P.I.N. code, etc, with a Supervisor, and I was again told that the check would be mailed. I was told it would be sent by registered mail. I never received the check. 

On XX/XX/22 I called to complain and was told that the check was never mailed. I again requested that the check be mailed and was told that it was " in process '', but the representative, and eventually a Supervisor stated that there was nothing more they could do. I asked to speak to the Supervisor 's supervisor, and was told that one was not available at that time, but that we could request that one call me within a few days. I agreed to that, but it is unacceptable that I can not get my money out of this " bank ''. They could not answer any questions about the process or how I could get my money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB
Product: Payday loan, title loan, or personal loan

I attempted to find a loan online, was directed to Prosper Loans, filled out the application, gave personal information etc ... received phone call from a XXXX XXXX, he stated he was a loan manager, proceeded to move forward with over the phone info of my own, everything seemed fine ... except for there verification process ... I was told that a XXXX deposit would be made into my checking account ( which it was ), and then minutes later ... this man XXXX XXXX requested me to take out the money via ATM, and then go to a commercial store like XXXX or XXXX and send the money back to him via a wire transfer I am assuming ... .I didnt take or touch the money that was sent into my account... I quickly asked for help with my local branch of my bank and was directed to file a police report after that ... I was told that if I sent these monies back to this loan manager, that this would be part of Prosper 's account verification process ... which I was told by my local bank personnel that NO LENDER WOULD EVER VERIFY AN ACCOUNT LIKE THAT ... .I am filing this report to bring this person to light and hope that the government can track this person down and stop them from making more victims of online theft or fraud... .I have all the emails, text messages, pictures of the proposed loan offer letter, phone numbers of these individuals... they keep calling from different numbers... .and even a recording on the phone of them impersonating a police officer .... ( they actually called while we were filing the police report, the officer at the time found it funny as they were impersonating a coworker of his ) .... I'm hoping this complaint will get to some type of internet or FBI fraud division and bring these guys to justice, as well as to this company Prosper ... .because I dont believe this person is actually an employee of this company...
Product: Credit card

I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the recent investigation results provided by Experian. Upon reviewing the findings, I have identified several discrepancies and failures to adequately investigate and re-investigate inaccuracies and errors in my credit report. 

As such, I demand immediate action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

First and foremost, I have serious concerns regarding the veracity of the investigation process. Despite claims of re-investigation, key questions remain unanswered. What specific updates or modifications were made to my accounts? Were they genuinely re-investigated, and if so, why do significant disparities persist, such as discrepancies in open dates and last activity dates compared to other credit bureaus? 

Furthermore, I have identified several accounts that continue to contain inaccuracies despite the purported investigation. Therefore, in accordance with my rights under the FCRA, I demand the immediate deletion of the following accounts from my credit report : XXXX. XXXX XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX XXXX XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e XXXX b ), and 15 USC 1681- XXXX. XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete these accounts from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years.

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. 
Please dispute this account. This was opened with out my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I transferred {$25000.00} from my checking account using an ACH wire on XX/XX/2021 to my coinbase.com account. The reference number for the transfer is ELECTRONIC/ACH DEBIT COINBASE.COM XXXX XXXX XXXX. The money was never credited to my account. I emailed coinbase.com user support multiple times, but no one ever responds. I spoke with XXXX XXXX at XXXX XXXX XXXX  in NY, which is coinbase 's bank. XXXX tells me that XXXX XXXX received the wire transfer and sent it to coinbase. The trace number for the wire transfer is XXXX and XXXX XXXX direct telephone number is XXXX XXXX. I have provided all of this information to coinbase.com in a series of emails, but they haven't responded. The reference number for the inquiries I have made to coinbase.com is Case # XXXX. Please help!
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Regarding XXXX Practices Date : XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Fair Credit Reporting Act ( FCRA ) Violation by XXXX Dear CFPB, I am writing to file a complaint against XXXX regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., and particularly 15 U.S.C. 1681i ( a ) ( 5 ). 
I have repeatedly disputed inaccurate information in my XXXX credit report. Following the dispute process outlined in the FCRA, I requested a description of XXXX 's reinvestigation procedures. However, XXXX has responded by claiming my information regarding the dispute is illegible. I have provided clear and concise documentation to XXXX for the dispute. 
XXXX you are intentionall sending stall letters to avoid a proper investigation and resolution of the disputed information. These stall tactics violate my rights under the FCRA to a fair and accurate credit report. 
Specifically, I request the CFPB to : Investigate XXXX 's practices regarding responding to dispute requests and descriptions of reinvestigation procedures. 
Ensure XXXX conducts a thorough investigation into the disputed information on my credit report using the clear and concise information I have provided. 
Direct XXXX to cease using stall tactics and provide me with a timely and accurate response to my dispute. 
I would also like to be contacted by the CFPB to discuss this matter further and explore potential next steps, including holding XXXX accountable for potential FCRA violations. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions