23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage with Loan depot in XX/XX/2020. It was great until the closing. My issues started when I started making payments in XXXX. I have had only 2 payments to make so far XXXX XXXX and XXXX XXXX ). The experience was horrendous. It was night and day. First time, when i made the payment to XXXX address. They started harassing me by calling me every other day with automated voice messages. When I called in XXXX, the waiting time was brutal.. They mentioned it could be because my account is moved to a a different servicing location that is in New Jersey. But she assured there will be some delay in posting that transaction. For XXXX payment, i made an update in XXXX reflecting NJ address. That payment was returned as well. I have had multiple calls in last 1-2 days and they put me on hold to research the issue and it gets dropped or i join the queue again. It is very frustrating that for just simple payments, I am spending countless # of hours to make sure they receive the payment and this does not ding my credit history, which is pristine ( no late payments in last 20 years ). Concerns : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account. Few observations : 1. Their servicing system to receive the payments sucks big time ... 2. Incompetent customer service people.. i will blame the management for not giving them proper training. 3. They have to get their act together in terms of providing one servicing location where they can receive the payments. 4. When customer service puts us on hold, it goes back to the queue or get disconnected after a certain time. I am very disappointed with the experience they have provided since the closing of the loan. they have lost my trust and will not recommend them. 


Desired Resolution : Billing Adjustment Desired Outcome : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed Hunter warfield inc {$10000.00}. I paid and settle the debt for {$7100.00} on XX/XX/2019. The debit is actively still showing in collections as UNPAID on my credit report. I have asked the company to remove that information for over a year now and they said they would but have not. I want at inaccurate information removed from my credit report.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit card or prepaid card

I called in to make a payment to Target Credit Services on XX/XX/XXXX. I had been going through a lot with my XXXX  being in and out of hospital since she was XXXX  and so I was forgetting to pay the Target card. I decided to pay it off and close the account. I did the auto pay. I didn't know it at the time, but I had accidentally entered an extra " XXXX '' in the checking account number. The payment did not go through. I got another bill and called to find out that the payment did not go through on XX/XX/XXXX. I spoke to a representative and made a payment over the phone. I read my checking and routing number from the check I was holding in front of me to the representative. 1 week later I called because I was I did not see the withdrawal from my account. The credit card representative assured me that the payment had gone through and my balance was XXXX. 

I received another bill at the beginning of XXXX showing an outstanding balance. I decided at that point to just write a check and mail it on XX/XX/XXXX. The only reason I was calling was to get the payment in ASAP, but I continually had problems. I made a complaint to XXXX XXXX XXXX  when I saw that they were constantly having trouble receiving my payment. 

The check finally cleared. I called Target because I saw that my credit score was being affected. I spoke to a manager to find out what they had taken down in XXXX for my checking account number. I found out that they had an extra XXXX still in the checking account number that didn't belong. I explained to the manager that I read the check number verbatim and there should not have been a problem. The manager told me that she believed that the checking number was not updated by the representative from when I tried to make payment in XXXX. 

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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX has been reporting an invalid account to my credit file for close to 5 years. They are falsely accusing me of owing them {$6300.00}. I have never had any account with XXXX. Also, I have no contract with them. I tried to get them to send me any agreement that I may have signed with XXXX. They failed to provide any information. This is a fraudulent act on the part of XXXX. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately. Cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # N/A 15 USC 1681 section 602A states I have the right to privacy. 

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously disputed this incorrect personal information back on XX/XX/22 then again on XX/XX/22 as well as XX/XX/22 and XX/XX/22 with this reporting agency here i am again because no changes were made to my report about this information I have been completely ignored by Experian in all of my attempts i have full proof to show that this info is still reporting incorrectly as well as inaccurately and has not been changed attached in this complaint is that info
Product: Debt collection

Individuals from Student Assistance Corporation have begun calling me, asking for me by name and saying the call is regarding a Navient Student Loan. I tell them that I do not have a student loan. They then ask me to give them my personal information. I refuse to give my personal information so they say the calls will continue. On XXXX XXXX, 2016, at XXXX. I received a call from them XXXX. I called them back to again tell them I do not have a student loan and asked for their address. The lady refused to give me an address and insisted I give her my birthdate. She told me it was a Navient student loan. I used that information to look up the address and send letter telling them I do not have a student loan, do not call me and to send and further communication in writing. They received the letter on XXXX/XXXX/2016 ( USPS Item # XXXX ). The calls have continued with six calls on XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to CONNS. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. 
In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit card

Every time I make a purchase is suppose to update automatic and it doesn't, plus I been getting over charge each month my purchase and refund don't match with the bill. 
Citi bank charge me XXXX bc at due date I didn't have any amount due bc I return a for XXXX and the amount due was XXXX so I didn't make a payment since was equal and was no amount due. Citi charge me minimum fee of XXXX. This is not k.
Product: Credit card or prepaid card

On XXXX XXXX I called American Express to downgrade my credit card to a no annual fee Delta Credit Card. American Express agreed to issue the no fee card to replace my current card and to refund me the annual membership fee just charged to my account. My account balance was {$95.00}, which was the annual fee amount that was to be removed. Several weeks later I checked and the fee rebate had not been processed, so I called on XXXX XXXX. I was asured there was no problem, the refund would be made automatically, and they agreed that I did not have to pay my balance ( which was the refund amount ). On XXXX XXXX, I was charged a {$27.00} late fee. When I called and requested that the late fee be removed from my account and that the bank send me a letter stating the late fee charge was a bank error. They agreed to remove the late fee, but would not provide documentation that the fee was in error, since the balance = the refund due that Amex had yet to process. Two days later I again got an e-mail notifying me that I had not paid my balance. I called again and got the same run around. I was told it could take Amex 45 days to process my refund, and if I received additional late charges I could call and go through the story over and over again with the new customer service person.
Product: Checking or savings account

dates : XX/XX/2019 amounts : {$400.00} actions : contacted the city bank consumer service, then contacted the banker and followed the new instructions they showed to me. Then contacted the banker, but didn't reply to me for two weeks. And contacted the consumer service, still didn't explain to me.
Product: Mortgage

Violation of the Truth in Lending Act/Regulation Z ( payment posting, use of suspense account, payoff statement, trustee payments XXXX Payments were made by myself and the trustee ( under a chapter XXXX filing XXXX the mortgage holder placed the trustee payments in a suspense account and did not apply them to the mortgage. In addition, when I asked for a payoff they provided a payoff which implies that the loan was due for XXXX 2015, however they received the XXXX 2015 payment, and I have a XXXX year bank history showing all payments were made, when I questioned them about were they were getting this information that the loan was due for XXXX they simply said I made a short payment ( which I did not do ) and until I paid an additional XXXX ( to make the suspended amount a full payment they would not credit the money to the account ). The money in the suspense account was not a short payment by me but instead payments from the trustee. The trustee filed a notice of plan completion and a notice of final cure ( for any default on the mortgage XXXX The bank responded through the court that they had no objection and that the account was due for XXXX 2015. Chase is not crediting the money received by the trustee to the account, there is conflicting information given to me verses the information given to the trustee. When I asked for a payment history they advise they have XXXX days to provide it to my attorney, they will not give me any documents/specific information regarding my loan. When I attempted to re-finance the loan, Chase took XXXX days to provide a payoff, and when asked for a payment history, advises they will respond within 30 days. These timeframes are unacceptable, and now I may loose my financing as the interest rate lock expired and I 've had to extend it and it expires XX/XX/XXXX2015.
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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the Bankruptcy XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - Sent a request to Lexis Nexis to remove incorrect information. 

XX/XX/22 - Received a response indicating that the reinvestigation was complete and the findings were verified. A link to the updated report was also enclosed. The updated /verified reports still includes major errors/ incorrect information. 

Record number 6 and Record number 8 in the Identification Records section are incorrect. 

And The following information from the Department of Driver Service Records... 

The information contained in the entry is 100 % inaccurate and does not belong to me! 


The name indicated on the record is not my name : XXXX XXXX XXXX XXXX. The date of birth indicated is not mine. 

2. The drivers license number is not mine.

3. The violation details do not belong to me. ( I have never lived in Arizona, visited Arizona, or committed any crimes in Arizona. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Mortgage

My property taxes are paid into escrow each month. However, on XX/XX/XXXX, I received a property tax delinquency notice from the XXXX XXXX XXXX XXXXXXXX, stating that my XXXX third-quarter taxes were unpaid. I contacted my mortgage company, Shellpoint Mortgage Servicing, in XXXX ( exact date unknown ), and have been in ongoing communication with them about this issue since then without a resolution. 

As of today, XX/XX/XXXX, two quarters of property taxes remain unpaid, despite the funds sitting in escrow. On XX/XX/XXXX, I learned that my loan had been transferred to XXXX XXXX XXXX. I have been attempting to contact XXXX XXXX XXXXXXXX for the past two days via phone and email but have only reached voicemail and have not received any response.