23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to my doctor 's office ( XXXX XXXX XXXX XXXX ) in XX/XX/2017. I received a bill from them in XX/XX/XXXX for my {$30.00} copay and paid the amount. 

They referred the account to collections at RMP, LLC ( Receivables Management Partners ) where they agree the debt has ben paid but that I owe a {$7.00} " collection fee '' They stated they mailed me a statement showing that the XXXX is owed but I did not receive this. 

I attempted to make another appointment with XXXX XXXX XXXX XXXX and they advised they would not see me until I paid the amount outstanding. I called RMP and spoke to a XXXX XXXX, advising I wanted a bill mailed to me showing the amount that was due and for what reason. He refused to send me a bill, stated I owed they money and needed to pay it.
Product: Mortgage

We were doing a mortgage and called XXXX XXXX with Loan Depot. We told him what we wanted and had been quoted for rate. He said he could match it. When we got our financial docs to sign I saw that he was charging me {$4200.00} to buy down the rate. I called and told him that I was not going to pay to meet a rate I had gotten from another lender. He told me " don't worry about that, just sign it and I will get it taken off before we close ''. Our loan was very rocky bc of XXXX XXXX. We were supposed to close on XX/XX/XXXX, but he did not get the appraisal out in time and we were delayed. That was difficult for us bc we were supposed to be out of our house we were in on XX/XX/XXXX. We had to pay extra to stay until the XX/XX/XXXX. Then a few days before the loan closing we get the disclosure paperwork and that was not taken off. We called and could not get anyone to help us. We went forward bc we would have been homeless onXX/XX/XXXX had we not. At the closing table the {$4200.00} was still on the paperwork. I was very unhappy, but had to have a place to live. I signed and closed on the loan. 
On my way to our house to move into, less that 1 hour from closing a rep from Loan Depot named XXXX XXXX called and apologized that they had made mistakes and the {$4200.00} was not taken off bc my loan officer did not give them what they needed. I explained to him that I was not happy at all and I wanted them to refund the buy down rate that they charged me. He said to get him documents from other lenders, I told him I did not have any bc that was months ago and I can not call a lender and ask them to send me docs after I have closed with someone else. He insured me that they were at fault bc they did not follow the fair lending practices that are in place. He stated that someone would be getting with me to fix this situation. That was on XX/XX/XXXX. I have called and tried since then to get this resolved. XXXX XXXX the branch manager called and said he was trying to solve this but would have to send it to legal to get it taken care of. That was the first part of XX/XX/XXXX. It is alomost XX/XX/XXXX and I have not heard from anyone. I have sent emails and text messages letting them know if I do not hear anything I would be filing a complaint. To this day I have not heard back. This is a classic case of predatory lending and I want to be reimbursed for the money they dishonestly took from our family.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX bureaus : XXXX, XXXX, and Equifax ) : What happened Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I have been a loan modification process with flagstar since XXXX of this year. I feel flagstar is stinging me along. I am two months behind and all im asking is to stop the late payments and put me on a repayment plan or lower my monthly payment amount. 

The last straw with them was on monday when i called because yet another letter comes stating my application is incomplete. 

I call and im told im missing documents that I clealry submitted on XX/XX/XXXX. 

Im fed up and dont know what to do
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( 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 convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I set up a new bank account w/ Huntington Bank XXXX I got it set up, and wanted to transfer the considerable $ $ that I had in my account at XXXX XXXX XXXX XXXX XXXX that I had when I was a minor. I followed the steps to verify my external ( credit union ) account on Huntington 's website. After I verified the CU account on Huntington 's site w/ micro deposits, I was prompted to transfer funds from the CU to Huntington . I initiated a {$4200.00} transfer. on XX/XX/XXXX I received an email that the deposit had been rejected because I hadn't verified my account ( I had ). On XX/XX/XXXX we went in to a Huntington branch and showed them bank statements and my license, and they again verified my account. But the {$4200.00} has been missing for a month. There have been numerous phone calls and emails and still no resolution. Huntington told me that the credit union had to file a dispute. Two times I asked the credit union to file a dispute and they said they couldn't, that Huntington had to file. I called Huntingon and they said they couldn't file. The credit union said they needed the transaction number. I called my Huntington branch, and they told me to call customer service to get the number. The customer service has been horrible on both sides. For weeks, no one has stepped up to help resolve this issue. My mom has been helping because I don't have access to email and phone at work. Working on my behalf, she asked both institutions to file a dispute on XX/XX/XXXX. Both institutions keep saying the other should file a dispute. The credit union allegedly filed the dispute about XX/XX/XXXX. The branch manager responded to the email and said that she had reached out to XXXX to have the money returned/refunded to my account. On XX/XX/XXXX we discovered that Huntingon had not filed a dispute as asked on XX/XX/XXXX. My mom spoke to the Huntington branch manager on XX/XX/XXXX and she said that she had escalated to her boss ... .after one month. We again emailed and asked all parties to speak on the phone and get this issue resolved. So it has now been over a month. I verified my account as specified on Huntington 's website, by doing the micro deposits, but they rejected the large deposit. And the {$4200.00} is still missing. As a young adult, this is financially devastating to have a huge amount of money missing for so long. It has disrupted my work because of having to make so many calls. It has caused a huge amount of stress and been a significant waste of time.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Your agency XXXX in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company, as well as the creditors listed, numerous times over the last nine months in regards to these accounts which have been fraudulently opened in my name, asking for validation or removal. Rather then performing an actual investigation both the company and the creditor neglected to do so and directed the blame back to the other, prohibiting me from having these fraudulent items and incorrect names and address and socials removed from my credit report, causing me undue financial and emotional harm. I have fortunately been able to get the majority of the personal information updated and/or removed from my account, however, the actual fraudulent accounts that were opened remain on my report. After much frustration on my part I was instructed to file a police report which I did at the beginning of XX/XX/2018. While the report resulted in the removal of 2 accounts I was told it was not specific enough for the remaining items on my report and that I should file an identity theft report with the FTC. A few weeks ago I filed requested reports and faxed them on the XX/XX/2018. Even though I did as I was instructed to, this company stated reasons that are in the alternative, and failed to block requested information or provide reasoning as required by law. I consider their decline to block as insufficient in even identifying its specific basis. I attached a copy of the police report and the identity theft report along with my proof of identification and statement that the accounts or any transaction thereon were never authorized by me to the fax I sent and met your burden of proof. Your option to decline requires more than just a statement of their possible reasons to do so under the statute. 


Treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent or not. That is why the identity theft blockage provision of section XXXX exists, to bypass the need to consider proofs. I have no proofs to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage, not contest the accuracy of its reporting.
Product: Debt collection

i.c systems collection is paid off and reporting inaccurate information all three credit bereaus have different open account dates also
Product: Credit reporting or other personal consumer reports

Someone opened this XXXX XXXX account fraudulently in my name in an attempt to steal my identity and use my credit. I never opened this account and I have no knowledge of who did. This account is a result of stolen identity and needs to be closed and removed from my credit report immediately.
Product: Credit card

I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.
Product: Student loan

I am the Co Signer on XXXX student loans for the same borrower. The loans originated in XX/XX/XXXX - XX/XX/XXXX. The servicer, Navient. is currently contacting me despite past performance on their part, poor recordkeeping by them, and the loans paid regularly since te first payment was due in XX/XX/XXXX.
Product: Mortgage

I was affected by Hurricane Irma. I applied and recieved a forbearance. After the forbearance, I applied for a loan modification and was told I was approved. I have made all of my trial payments but now when I call the service can't tell me when I will get modified. They keep saying it's been escalated or its worth the underwriting team. I called today, XX/XX/XXXX, and spoke with XXXX XXXX who said the same thing as everyone else. US Bank has sent me no documentation about the loan modification and are unable to give any solid answers except.its been escalated.
Product: Debt collection

XXXX XXXX  who is owned by XXXX XXXX XXXX XXXX, XXXX contacted me by text message on my cell phone after I asked them not to communicate that way. This is a violation of TCPA and FDCPA. I have asked XXXX XXXX XXXX to communicate with my authorized Representative, but have not gotten a response, which is why XXXX XXXX XXXX XXXX needs to now handle this. Please contact XXXX XXXX regarding this matter XXXX ASAP.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per our conversation on Friday, XX/XX/XXXX @ XXXX EST I am writing to formally request a re-investigation of my XXXX XXXX account XXXX XXXX XXXX. I believe there has been an error in the calculation of my balance and past due amount. 

This request is made pursuant to 15 U.S.C. 1681n, which requires creditors to investigate and correct any inaccuracies in a consumer 's credit report. I have already made attempts to resolve this issue with your customer service department, but I have been unable to reach a satisfactory resolution. 

I have attached copies of all relevant documentation that shows the above XXXX account as a Business Account created under XXXX # XXXX Please conduct a thorough re-investigation of my account and provide me with a written response within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our monthly payments were {$1400.00} monthly since XXXX XXXX to XX/XX/XXXX Breakdown {$900.00} Principal & interest {$40.00} PMI {$460.00} Escrow -Taxes {$1400.00} Total This is in our Closing Disclosure documents. The bank started taking money out of the Escrow account in XX/XX/XXXX for Curtailment Payments without our knowledge. This left the Escrow Account short of money to pay XX/XX/XXXX taxes, so they increased our monthly payments to & XXXX to cover for the shortage. 
Escrow Changes- XX/XX/XXXX {$480.00} - XX/XX/XXXX {$480.00} - XX/XX/XXXX {$330.00} XX/XX/XXXX {$360.00} These changes came from XXXX XXXX at DCU Credit Union.

I have been speaking with XXXX XXXX XXXXTeam Leader Loan Dept DCU Credit Union and she keeps telling me over and over that the Curtailment Payments are not coming out of Escrow Account. I GIVE UP!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account being reported on my Equifax report is inaccurate. Please see the attached showing that I do not owe any arrears as being reported! The account is now a matter of the federal courts. XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Essentially, I do not have access to my mailbox currently. I have not been able to make payments because I didnt know who my lender was. I did not receive any emails or calls ( when I found out who my lender was through XXXX yesterday, which is USBank, I called USBank and found out they had my wrong email ). 

I have paid off the entire payment in full and now setup auto payments, but I do not believe any of their employees have contacted me via phone and since email was wrong, I did not get any notification of who my lender even was to pay my mortgage to. 


They are unwilling to reverse the delinquency charge. My credit score dropped 150 and this will effect me for years.
Product: Credit reporting or other personal consumer reports

In accordance with 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Experian a letter disputing the inaccurate information of the XXXX XXXX account that they are reporting. It has been 30 days and I have not received any update or results from my dispute.
Product: Credit reporting

I wrote Trans Union to remove all hard and soft inquiries from my credit report that are suppose to come off because it has been two years. I was told when I called they are not removed by them I would have to call the company. Well, I have done that and was told Trans Union need to remove them. XXXX was suppose to be removed in XXXX XXXX, I applied in XXXX XXXX, XXXX and the Credit Union is suppose to be removed soon XXXX XXXX, XXXX as well. The XXXX, Trans Union has it being removed in XX/XX/XXXX, that is more than XXXX years. I want them deleted. A coworker had hers removed with no problems ( she is not XXXX XXXX ) so why do I have to contact the companies?