23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Product: Mortgage

MEMO TO : Seterus, Inc. via its legal counsel ; Nationstar Mortgage d/b/a Mr. Cooper FROM : XXXX XXXX XXXX, XXXX. 

RE : NOTICE OF SERVICING TRANSFER dated XX/XX/XXXX of LOAN NUMBER XXXX ( copy of Notice attached to this email ) DATE : XX/XX/XXXX PLEASE TAKE NOTICE that a disagreement exists between me and Seterus regarding the unauthorized charge of {$280.00} that appeared on my XX/XX/XXXX statement. Despite efforts to have removed, Seterus ignored my request and has engaged in its longstanding practice of late fees, etc. during the pendancy of the disagreement. 

As a quick summary of this disagreement, I have copied and pasted the XX/XX/XXXX, email between me and Seterus ' attorneys : From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> Subject : Re :  XXXX XXXX , XXXX XXXX, Pursuant to the terms of the Mediation Settlement Agreement, incorporated into the fully executed Modification Agreement ( with the unilateral cramdown of an additional .XXXX  % interest rate ), the new principal balance agreed upon and incorporated into the modified loan paperwork included ALL charges of every nature. 

After timely making my initial payments, the statement from Seterus dated XX/XX/XXXX included an additional {$280.00} that the Seterus rep I just spoke with identified as " legal expenses ''. This is unacceptable as contrary to the terms of the Mediation Settlement Agreement and the terms of the Modification Agreement. I also find the amount suspicious of passing on the cost of the last mediation conference that Seterus was obligated to cover in full. 

Please reply to me explaining your position and let your client know that I am requesting a detailed statement explaining the source of the {$280.00} and a waiver of same pursuant to the settlement of the wrongfully filed foreclosure action. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ***end of XX/XX/XXXX email*** This disagreement continues and this email serves as formal NOTICE to the new servicer, Mr. Cooper, and my demand that before accepting the balance as accurate on the above-referenced loan, that an accounting be required, that the {$280.00} charge be removed, along with all late fees, etc., and that the account be reset as current, and the payments will resume based on the corrected balance. 



Please acknowledged receipt of this email and your response to my demand by XXXX XXXX XXXX   tomorrow, XX/XX/XXXX. 



XXXX XXXX XXXX, XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried to close my account and receive my {$100.00} balance three times. Every time I call them they say they will close it, but then I check online and my account is still not closed. I requested the account to be closed and requested that they return my {$100.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letter to Equifax and delivered on XX/XX/XXXX, regarding XXXX, No Response from bureau, and my previous complaint regarding hard inquires filed on XX/XX/XXXX still no update or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Checking or savings account

The person gave three different XXXX accounts under XXXX XXXX, XXXX and XXXX. I also have the email addresses being used for XXXX : XXXX and XXXX ( {$25.00} sent but {$25.00} was bounced back. So he gave me another email to send it to.. XXXX that went through. They reached out to me on XXXX stating I won a pair of sneakers ( XXXX  ) all I had to pay was shipping and handling, I sent XXXX {$25.00} through XXXX. Then he sent me another email let me know I had to pay {$30.00} in order to get a confirmation number. I sent that to XXXX. Then XXXX asked for {$25.00} for protection I sent it. once again he asked for additional money because he claimed the first {$25.00} he didnt receive and wanted me to send it to him via XXXX XXXX XXXX and I said no I sent enough for sneakers I suppose to have won. He became irritated and is not responding to my messages on XXXX and never sent me a confirmation.
Product: Checking or savings account

This bank doesnt get me or my concerns they have bad feedback when I give them I feel ignored why does their debit cars nit have tap pay go technology when many banks have already implemented this feature it is much nicer to have a card where you can tap their technology is old their behind with chip only insert with this pandemic they have to update their debit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I switched to key bank because my employer used them for our HSA accounts and I wanted all my money in one bank. BIG MISTAKE!!!!

I had turned on the overdraft consent not realizing what it would do. I litterally could not maintain a balance in my account. It wouldn't matter if I overdrew my account XXXX XXXX  or XXXX XXXX  I was charged a fee. 
I was told as long as I deposited money into by account by XXXX XXXX  I would not be charged fees, that was a lie. I deposited thru XXXX XXXX around XXXX XXXX, the same day. The next day I woke up mortified to discover I was overdrawn XXXX XXXX! I attempted to turn off the overdraft consent without any luck. I called customer service crying. They weren't able to provide me a reason for the fees and provided XXXX assistance in turning off the consent. 
I tried for a week and a half to get it turned off. However I was charged XXXX overdraft fees within that time. I was unable to keep up with their insane charges. It seemed like the more money I put in the more fees they charged. I have been charged a total of XXXX fees and have only had my account open for about a month. 
I banked with XXXX XXXX  for several years and never had a single overdraft fee. 
I have spent hours on the phone trying get this resolved with no luck. All they do is tell me the same thing and tell me I have to wait for their special team to call me. Mean while my account continues to be charged fees. 
This bank has terrible customer service and their overdraft fees are excessive!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}. Please delete the late payments and update my credit file ASAP.
Product: Checking or savings account

I used the Truist ATM is make a cash deposit. In the process partial part of my deposit was denied and the machine spit out the money which I was able to get. However {$490.00} was not given back to me, it was not made available for me to get back ; and the branch nor the XXXX made effort to return the money to me. The ATM spit out a receipt telling me that the deposit didnt take and the money is being kept safe for me. I filed a claim the same day and no one could do anything. This is theft and Truist is not returning my money. Truist has stolen my money.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of my dispute with XXXX on cfpb prior to this, ending in XXXX, I was informed that US Bank collection was not being reported but it is reported still and I believe they are trying to avoid accountability by continuously swapping out the XXXX name between US bank and US bank XXXX and have not reported this consistently among ty the bureaus but rather, changing it periodically
Product: Credit reporting or other personal consumer reports

Several companies accessed my credit report without my authorization, which has negatively impacted my credit score. Despite contacting Experian and being assured by a representative that these inquiries would be removed, they are still showing on my report. 
These fraudulent and unauthorized inquiries are deeply concerning and have caused me significant anxiety, as they may indicate Ive fallen victim to identity theft. This has added unnecessary stress to my life while continuing to harm my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB can you send the following documents to Rise Credit. Thank you!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Mortgage

My complaint is specifically about false advertising. 

An unsolicited offer was mailed to us by River City Mortgage for an APPRAISAL FREE REFI for which they indicated " our home has met the requirements. '' Upon inquiring about the refinance and speaking with the loan official, we were told that the Appraisal Free is NOT provided in our area. Clearly a " bait and switch ''. 

We did not proceed with the refinance due to this. 

I have the offer which includes the specific reference number for an APPRAISAL FREE REFI, and indication of New property value estimate of {$310000.00}.
Product: Mortgage

We have an FHA mortgage on our primary home. It has PMI insurance. We paid over 40 % down payment and the home value has risen 30 %. 

We have requested to cancel PMI insurance XX/XX/2019 and been denied.
Product: Debt collection

I already send my papers that is payoff my son has medical hospital did not had my information I give to them this the paperwork for this claim please look at it i at attached it thank you
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all three bureaus. 

and XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) continues to report the payment history different on all three bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.
Product: Debt collection

Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER
Product: Credit reporting or other personal consumer reports

See attachment. I recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : XXXX XXXX XXXX - XXXX - XXXX - {$5700.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Debt or credit management

We hired Strategic Financial Solutions D/B/A XXXX XXXX XXXX in XXXX XXXX New Jersey to represent us before our credit card companies. We did this in good faith hoping they would help us find equitable solutions. They took over {$15000.00} in fees from us but did not show up to represent us in court and other failures to provide services. As a result we lost our cases by a failure to respond.
Product: Debt collection

To TCI TOTAL CARD INC I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.