23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Fifth Third Bank I am writing to request specific information regarding my account, [ XXXX ]. I am particularly interested in the following details I may be a victim of identity theft and trying to make sure this account is mine and accurate.

1. Date of First Delinquency : 2. Date of Last Payment : s 3. Date of Charge-Off : I would be grateful if you could provide this information in writing. Please mail the response to the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My computer was stolen and it had my tax forms as well as saved passwords for XXXX, XXXX and other shopping sites. 

I requested a freeze from Experian as a precautionary measure. I also closed my bank accounts that were linked to those accounts and my XXXX and XXXX. 

Now I cant reopen a bank account because of the freeze. There is no human to speak to at Experian and the only way to remove the freeze is by mailing hard copy proof of address, utility bills, etc. 

They have no email or fax option. 
There was NO WARNING when I set the freeze that the reversal would be so slow. 
I am a XXXX XXXX  and dont have a utility bill in my name, a drivers lisense with my current residence, etc. 

I feel like MY information is being held XXXX by Experian- while they make money off me. 

There is no excuse for them not to have ways to submit information electronically- my doctor and FSA account - have ways to safely upload and encrypt documents. 

My advice to others will be dont freeze your account, just watch everything carefully! Experian is unaccountable to the consumers. They need to have a more expedient way to reverse these so-called protections. 

At this point I feel like they are financial XXXX.
Product: Debt collection

I pulled my credit report from All three credit bureus ( XXXX, XXXX, & XXXX ) for the sake to see what is on there to clean up and improve my Credit Score. I Notice this Company was on my Credit report. I sent several letters complaining to both the Credit Bureus and This Company and to remove the Hard Inquiries and Negative Account information from my credit report for about a year now give or take. So far there are no results. I believe it is fraud and a scam collection company trying to get money from me and pretending to be representing on behalf of another random company. My goal is to simply get this company and their negative claims and Hard Inquiries to be permanently removed and deleted from my credit report from all 3 Credit Bureus.
Product: Credit reporting or other personal consumer reports

Dear CFPB : I am in disagreement with the closure of the claims I submitted against XXXX, XXXX and Experian regarding XXXX very inaccurate outdated accounts under my social security number and credit report. I mailed nearly XXXX letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these XXXX credit bureaus. I would like to exercise 15 U.S. Code 1681i ( XXXX ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA XXXX Code XXXX ( XXXX ) b Accuracy of report. This account has the date of last payment listed under XXXX different years ( XXXX and XXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXX XXXX  - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This company can not provide proof of such late payments. How are there XXXX late payments under XXXX, XXXX late payments under Experian and XXXX late payments under XXXX? This is entirely inaccurate, unfair and unverified and violates XXXX which is a clear error in the timing of payments. 

Ability Recovery - This account violates the XXXX XXXX or would if the credit bureaus could even retrieve validation of this account that I have requested under XXXX XXXX XXXX. Since medical information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of XXXX ( XXXX ).
Product: Mortgage

I received a letter of foreclosure dated XXXX XXXX from Nationstar/Mr. Cooper and I did not understand why when I called them to inquire why I was receiving this they told me they couldn't speak to me about anything because my ex wife filed bankruptcy in XX/XX/XXXX but this was after she signed over a quick claim deed to me on XX/XX/XXXX which was received and notarized by the register of Deeds. Nationstar/Mr. Cooper stopped sending me mortgage statements so I have been making my mortgage payments based on what I had been paying all these years. In XXXX I had received a Escrow Review statement from Nationstar/Mr.Cooper which stated I had a shortage or {$190.00} and beginning XX/XX/XXXX my mortgage payment would be {$1300.00} and then all of a sudden I receive a Foreclosure Notice which no one wants to give me any information and I'ts very frustrating, how can my home be in foreclosure when I have been paying my mortgage all these years It seems since Nationstar switched to Mr. Cooper It's been nothing but problems..
Product: Mortgage

On XX/XX/XXXX I notified Fay Servicing that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with Fay servicing on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment Fay Servicing drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to XXXX XXXX XXXX XXXX XXXX effective Thursday XX/XX/XXXX but according to XXXX XXXX XXXX the loan was transferred by Fay Servicing with very little information. XXXX claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately Fay Servicing did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to Fay Servicing on my behalf. I then immediately call Fay Servicing and was told that they had an entire servicing team which XXXX can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by XXXX, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with Fay Servicing as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to XXXX XXXX XXXX at XXXX. 

I am requesting that XXXX waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with Fay servicing. If XXXX has additional questions I am requesting that they reach out to Fay Servicing. 

I am also requesting that Fay servicing send me a payment history of my account as well as send all relevant information to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX UPDATE : Attached is EQUIFAX involvement " in whole or in part '' with this matter in a letter sent from XXXX XXXX. to the consumer ( me ). EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX. services. There is XXXX on my EQUIFAX consumer credit report to dispute ... This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX. What EQUIFAX information was used to reduce my credit line??? My EQUIFAX consumer credit score XXXX over XXXX ) during the time this incident happened is attached to this complaint. After paying down debt to reduce my debt to credit ratio, XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my XXXX XXXX. line of credit for my XXXX XXXX credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER XXXX XXXX. received my {$2500.00} payment, XXXX XXXX. reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a XXXX XXXX XXXX Credit Card XXXX representative XXXX XXXXXXXXXXXX XXXX that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my Experian, TransUnion and Equifax XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX. I received letters from XXXX XXXX. stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XXXX XXXX.
Product: Mortgage

On XXXX XX/XX/XXXX I received a threatening letter from USAA Federal Savings Bank in reference to loan # XXXX. The body of the letter indicated that my " hazard insurance '' had expired. The threat came in the sentence " Because hazard insurance is required on your property, we plan to buy insurance for your property. YOU MUST REIMBURSE US FOR ANY PERIOD DURING WHICH THE INSURANCE WE BUYIS IN EFFECT BUT YOU DO NOT HAVE INSURANCE. THE INSURANCE WE BUY WILL BE SIGNIFICANTLY MORE EXPENSIVE THAN INSURANCE YOU CAN BUY YOURSELF. 

The issue is that I do have insurance for my house through USAA. The letter itself is deceptive in claiming that I need Hazard Insurance. From the National Homeowners Insurance Organization -- The reason hazard insurance is a common term is actually because of lenders. Your mortgage provider may require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy related to the structure of your house itself. This may create the misconception that you can buy hazard coverage separately from homeowners insurance, which is a lie. If your lender has specified that you need hazard or dwelling coverage, just know that buying a homeowners policy will satisfy their requirements. 

This current complaint is in conjunction with my previous complaint filed against USAA/Nationstar last year XXXX originally filed XXXX XX/XX/XXXX. XXXXUSAA 's incompetence led to un needed frustration. The outcome of the incident reflected that neither USAA/XXXX were being honest and that : My property taxes were paid by me and not XXXX/USAA ( even though they claimed they paid for the property taxes in XXXX ). 
The entire amount of my escrow was to be refunded to me immediately. 

It is my impression that since XXXXUSAA had been thoroughly in the wrong and called out, they are once again trying to intimidate me. My insurance carrier for my house IS USAA. They have no grounds for their claim I do not have insurance on my home and sending me a threatening letter. 

The website they provided so I could update my information www.mycoverageinfo.com/usaa, does not work. I hae attached all pertinent documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been doing business with Amazon like most I always used my XXXX XXXX debit card.Some how I was given an online Synchrony bank card, not a physical card in the beginning of 2022. 
About this time I no longer wanted the XXXX gummie bears so I called Amazon explained I wasn't happy with their product and asked them to quit sending their product and to quit billing me, Amazon said no problem a Month later I got billed again again I called Amazon again Amazon said no problem sorry you will not be billed again and I said quit billing my Amazon card ending in # XXXX they again said no problem. 
I was very clear since XXXXXXXX XXXX XXXX  to not be sending me anymore XXXX gummies. 
I started seeing emails from Amazon I figured they were just trying to get me back to buy their gummies. 
A couple more months went by and I happened to call Amazon to tell them to quit emailing me because they said I would not be billed again, at that point they told me I have some late payments?? I was mad and paid their payments because I want good credit I had an XXXX score before dealing with Amazon, and now XXXX range. 
I make over {$100000.00} per year and do not need credit cards to pay my bills, this is why I always pay with my XXXX XXXX debit card.I tried to deal with Syncrhrony bank emailing them then calling they wouldn't listen to me. 
I even tried XXXX they only gave me a computer response .I feel cheated by Synchrony I don't deserve this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$29000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX [ Insert Todays Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Cease and Desist & Debt Collection Dispute Request for Contract of Assignment Dear Credit Bureau Representatives , I am formally disputing the debts reported on my credit file by the following collection agencies : XXXX. XXXX XXXX XXXX XXXX {$630.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX {$1900.00} ( Opened : XX/XX/XXXX ) XXXX. LVNV Funding LLC {$650.00} ( Opened : XX/XX/XXXX ) I request that each of these accounts be investigated under the Fair Credit Reporting Act ( FCRA ) and immediately removed if the creditors can not validate the debts. 

Furthermore, I demand that each collection agency provide : XXXX. Proof of Debt Ownership : A legally binding contract of assignment proving that the debt was legally transferred from the original creditor to the collection agency. 
XXXX. Original Signed Agreement : A copy of the original contract with my signature proving my obligation to the alleged debt. 

If the collection agencies can not produce this documentation within XXXX days, I demand that these accounts be permanently removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I will pursue legal action if necessary. 

Please provide me with written confirmation once these matters have been resolved. 

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

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a transaction of {$180.00} to another Paypal member for concert tickets. Immediately Paypal reported the transaction as unauthorized and started an investigation. The transaction ended up being fraud, and I did not receive the items specified. Paypal will not allow me to open a report about the transaction because they already opened ( and closed ) a report about it being an unauthorized transaction. No action has been taken by Paypal to help me report the fraud.
Product: Credit reporting or other personal consumer reports

I have over XXXX inquires. That I did not authorize
Product: Checking or savings account

I disputed a transaction with Navy Federal Credit Union. My account have never been XXXX or more in overdraft. I called but my entire check was paying back fees an agent said I owed for credits that I received through transactions or disputes they said I made which was not true. Only disputed one transaction and all my transactions from months prior were disputed. Cell phone insurance everything. It all hit at one time causing me great confusion and despair. I went back and forth with them which no resolution. I changed my direct deposit but did not close account they and still say I owe XXXX after 2 or 3 checks was token from me and payments that were up to date owed.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them XXXX times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.