23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My dispute is not that I owed a debt, but rather the 14 money order payments made, yet not given credit for. As of XX/XX/XXXX, co attorney in this case, XXXX XXXX contacted me to inform me that I should stop mailing my payments to XXXX XXXX XXXX, XXXX, MI XXXX, but starting with my XX/XX/XXXX payment I should send them to : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. For some reason, 14 payments have not been credited, yet after spending over {$200.00} in XXXX XXXX tracer fees, all but two were cashed by this company XXXX XXXX aka XXXX XXXX, XXXX XXXX or EVEN XXXX XXXX XXXX? I question this company 's ethics and bookkeeping practices and hope you can help me get a fair shake here. I had a payment plan in writing way back on XX/XX/XXXX, but with this mishap caused me to appear like I was in default when really not so. It did give this collection agency an excuse to empty my bank account unfairly. Back in XXXX of XX/XX/XXXXI questioned XXXX XXXX about 'why garnish my tax return when we already had a payment plan agreement in place and he agreed to drop the garnish, filing the required papers of Garnishment Release on XX/XX/XXXX. He agreed that several payments had been lost or unaccounted for, but later found more accurate records. From XX/XX/XXXX through XX/XX/XXXX some 14 money order payments were cashed by this company, yet not credited properly. Then on XX/XX/XXXX this unethical company reached in and helped themselves to {$1800.00}, unfairly, in my opinion, claiming default. A convenient coincidence or just to large to be efficient? I disputed their garnishment tactics last year on XXXX XXXX, but the Judge said 'bring proof of payments made, but not credited '. Again, I objected and will return to Court on XX/XX/XXXX with all the proof I need. We appear in front of the same Judge so this time around I hope fairness will be supported by facts. Should I subpoena XXXX XXXX? I do n't mind paying what I agreed to, but hate being cheated, as most people do. Please help if you can. 

Thank you and best regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX
Product: Checking or savings account

DID NOT RECEIVE MY 1099-INT FOR TAX YEAR XX/XX/2019. CAN NOT FILE TAXES DUE TO BANK ERROR
Product: Mortgage

I am involved in a loan where draws are administered through a loan consultant. The builder has created a change order that was not practical in his services. I informed the loan consultant, XXXX XXXX, that the builder is requesting more funds for his services because he reduced his bid upon closing. XXXX XXXX said he is not aware of anything going on. He accepted the change order and submitted it to the loan for payment processing. I do not feel his action were ethic in his practicing profession. 

Loan Consultant involved in this case. 

XXXX XXXX Federally Certified XXXX & Fannie Mae Consultant XXXX XXXX, XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & trans union shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of  XXXX  who 's payments are current.
Why em i being denied as if I have some collection issues
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion report shows XXXX XXXX is not reporting every month from the beginning of ALL my timely car payments. 

XXXX XXXX ( a finance co. ) refuses to give me my amortization schedule for my paid in full loan here. I am entitled to have it -I am a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same accounts was erroneous. The XXXX, XXXX and TransUnion credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I received a copy of my XXXX XXXX credit file and discovered inaccurate and illegal information listed in my file
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX : {$XXXX} XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open
Product: Credit reporting or other personal consumer reports

I am currently looking for a vehicle and Credit acceptance keep running my credit and sharing my personal information to numerous dealerships without my consent. Making it very hard for me to get a vehicle so that I can take my children to school. This is not fair and is in violation of my rights and privacy. I want to revoke any rights that I may have giving credit acceptance to furnish and store any of my information.
Product: Debt collection

Received a validation notice from Medicredit regarding an outstanding balance to XXXX XXXX XXXX XXXX XXXX. When I received a bill originally from XXXX, I requested an itemized bill by calling the number on the bill. When I asked what it was for, I was told they didnt know. My healthcare providers are with XXXX XXXX so I was surprised to get a bill from XXXX. No itemized statement has been to date provided. 
I responded to Medicredits validation notice with a written dispute and requested an itemized statement of charges to figure out what this is for. 
Today, I received a letter from Medicredit indicating they conducted an investigation and that the balance is correct. No itemization was provided per my request. No explanation as to what the bill is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 

On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with Experian and XXXX credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 

When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to Experian and XXXX effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to Experian and XXXX in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 

We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.
Product: Credit card

I was being charged for items that I didn't purchase and money being taken off my card randomly
Product: Checking or savings account

On XX/XX/2024 I opened a dispute regarding XXXX XXXX XXXX XXXX 

The dispute was regarding the item not being in the delivered package. I also supplied both XXXX and CashApp the card issuer of my debit card that I am doing the dispute through a police report from XXXX XXXX Police Department that I filed when the missing item was discovered since the value of the scooter was over {$1000.00}. 

XXXX informed me that CashApp as refunded the transaction back to them, but has not yet distributed it to my account. I have received no update or information from CashApp, nor the temporary credit required from Regulation E. 

Every time I attempt to reach out to CashApp, I am met with " We have no information for you '' leaving me no other choice but to file this complaint.
Product: Mortgage

To Stop collecting PMI 1. I purchased a house in XX/XX/XXXX with 10 % down payment. 
2. The appraisal value was $ XXXX and the selling price was {$150000.00} 3. The Original Amortization Schedule shows as soon as the property reaches 78 % LTV or on XX/XX/XXXX the PMI of {$77.00} should be automaticall terminated as per Home Owner 's Protection Act. 
4. Nationstar mortgage now Mr. Cooper says that it will terminate automatically my PMI on XX/XX/XXXX. 
5. Honble ' Court has given a ruling in similar case of PMI removal that original terms and conditions of the purchase stands good even in case the loan being modified. No appraisal or BPO is required to remove PMI under Automatic Termination Clause. 
6. Now, when I approached Mr. Cooper they say that in XX/XX/XXXX only they will remove the PMI though my 78 % of the LTV reached in XX/XX/XXXX and currently at 70.07 % LTV. 
7. Mr. Cooper and before that Nationstar mortgage can only remove the PMI after reaching 78 % automatically and can not re-calculate the PMI and keep charging me {$22.00} a month. 
8. I dont know under which provision in Home Owner 's Protection Act they can re-calculate after 10 years and charge me {$22.00} PMI every month 9. Nationstar Mortgage should have stopped collecting PMI of {$77.00} as soon as my loan reached under 78 % which is XX/XX/XXXX or atleast should have stopped collecting PMI as per original amortization schedule which is XX/XX/XXXX. 
10. In their wesite they say that my equity on the loan is $ XXXX and sending solicitations that I can refinance and take cash equity out and they can do re-finance without appraisal also.
Product: Credit card or prepaid card

Promotional term was to receive XXXX delta airline miles if I accepted the American Express C.C. and spent at least {$1000.00} in the first 30 days. I met the terms and spent the required amount and much more. My account is in good standing and no late payments or other failings have occurred. My card was opened XXXX XXXX, XXXX. I spent the first {$1000.00} + within 72 hours. 

I began asking about my XXXX airline miles in XXXX, XXXX and every few weeks thereafter. Initially, I was told it was a four to six weeks wait. In early XXXX, the issue has now been referred to as a computer glitch and would be corrected in about two weeks. Every two weeks it is another two weeks.
I have been assured, repeatedly, that I have met all the terms to receive my miles and that I am not alone. I have been told during the last six weeks that it was a problem that effected thousands of people and it takes time to fix. 

I was lead to believe by a supervisor that it was n't actually a computer glitch but in fact a different sort of problem.
Product: Credit card or prepaid card

Was taken to collections for a XXXX credit card I never applied for, Amounts of XXXX from XXXX
Product: Credit reporting or other personal consumer reports

I am refilling the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB - CARD SERVICES XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tower Loan XX/XX/XXXX SYNCB/Paypal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company is reporting a derogatory mark on my credit as a Collection. I have disputed the charges as this debt is not mine. I am a victim of identity theft and I sent them a copy of my Identity theft Affidavit and still reports on my credit.
Product: Vehicle loan or lease

Exeter Finance has not applied my most recent payment to my account. 

I made a payment on XX/XX/2023 for {$230.00} to get my account current. I then made a second payment on XX/XX/2023 of {$62.00} for the late fees. 

Currently as it stands the payment of {$230.00} has been applied to the past due balance. But the payment of XXXX shows it was processed but it was never applied to my late fees and shows it was applied to interest. This amount also does not reflect the reduced amount on my next payment due on XXXX XXXX. Which is causing me to show a payment due for XX/XX/XXXX of XXXX which include the late fees. 

Therefore the amount of {$62.00} has disappeared and has not been reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I made a made a wire transfer for my business to a perfume supplier company in XXXX on XXXXXXXX XXXX  XX/XX/2023. The reciever has not got the money yet as of today XX/XX/2023 .I contacted my banks online wire transfer customer service expert several times. They advised me to go physically at local branch of the bank. I visited the branch 3 times even met the Branch Manager. He let me fill a form and submitted. After 2 days i got a secured messege on my bank acount. It describes the local and intl. wire transfer processing time and also says other financial institutions may place a hold on wires or charge additional fees to receive wires. Chase can't remove or modify a hold placed by other financial institutions. 
Now my question is what was my fault here? They did not even warn me that my money could be held for no reason. How i can send my future business transaction? At least should I not get informed that this is the reason your money is on hold? This is a small anount indeed. But I send bugger amount too. Is the total system trust worthy?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the Customer financial protection act ( CPFA ). Specifically, Cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, the dispute process was unfair. And deceptive. As they did not comply with error resolution requirements under electronic fraud transfer act ( EFTA ) and regulation E actions has caused of significant inconvenience and financial loss and I see significant redress for these violations
Product: Credit reporting or other personal consumer reports

My bank account went - {$XXXX} because of my identity was stolen all of my accounts Social Security card ID and I still went back and paid them the money I owed because I needed a bank account and its still on my credit also it looks like someone got a phone in my name on my credit using my ID
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX/XXXX/2025 XXXX XXXX  XXXX/XXXX/2025 XXXX XXXX  XX/XX/scrub>/2025 XXXX XX/XX/scrub>/2025 XXXX XXXX XXXX XXXX/XXXX/2025 XXXX XX/XX/scrub>/2025 I am disputing multiple inaccuracies on my TransUnion credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under FCRA 611 ( 15 U.S.C. 1681i ), unverifiable information must be deleted within 30 days. Additionally, FCRA 605B ( 15 U.S.C. 1681c-2 ) requires credit bureaus to block inaccurate or fraudulent information upon notice. 

I am requesting the immediate deletion and blocking of these accounts. Non-compliance with FCRA obligations may lead to further legal action. 

This complaint will be sent to the Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ) for review.
Product: Checking or savings account

I contacted Wells Fargo on XX/XX/ to inform them of 6 unauthorized ACH transactions and they denied my claim.