23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I was in medical school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX, '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and AES (  American education servicers ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, AES, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in 2008 ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a physician, and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked AES to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am self employed ). Which I consider to be a treat made simply because I asked questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though Experian, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. Experian, XXXX, XXXX continue to inaccurately report for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX 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 which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied for several line increase for both of my credit cards and was denied multiple times for the same reasons as stated below : Your average monthly payment has been too low I have spoke to several customer service representatives that have reviewed my payment history and they agree that my monthly payments are well above the payment requirement of {$25.00} per month. 

I make payments of {$150.00}, {$700.00}. {$400.00} {$250.00} etc. My payment history will provide proof. I recently applied and was decline again for 2 different recents.

Your average monthly payment has been too low Recent use of this accounts existing credit line has been too high I was told that the system generates the letters and it was nothing they could do. The system is incorrectly reporting my monthly payments and I'm been denied credit the credit card company says they can't correct their system.

In the past I only had to make ( 5 ) minimum payments of {$25.00} to get an automatic credit line increase. I have been denied a credit line increase for over 1 yr although my monthly payments are well above the minimum payment of {$25.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.
Product: Money transfer, virtual currency, or money service

We ask you to track down the payment made from XXXX XXXX XXXX on XX/XX/2022 XXXX in the amount of XXXX US dollars to the following details : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. code XXXX, XXXX XXXX Beneficiary ' s name and address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Payment for contract XXXX of XXXX. Make a request to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX to search for a payment. Please request the recipient 's bank to refund the payment. Due to the U.S. blocking sanctions imposed on XXXX on XX/XX/XXXX and the termination of settlements with XXXX in the United States, payment XXXX XXXX XXXX in the amount of XXXX was stopped by the bank, you may have received requests from JP Morgan Chase XXXX XXXX or from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please inform us about the work done to transfer funds for the supply of components. We attach a payment order and a swift payment to this letter.
Product: Credit reporting or other personal consumer reports

In looking at my credit report there is a hard inquiry that I have absolutely no clue where it came from
Product: Credit card

On XXXX my Chase Sapphire Preferred Credit card was charged {$2100.00} from XXXX. I did not make or authorize a purchase on XXXX in XXXX. I called Chase Bank on XXXX and they noted I had to wait until the pending charge hit my account to pursue further. I then called XXXX to explain that I did not authorize this purchase. They noted they locked the account and updated the email address on file, however with my active email, I still ( to this day XXXX ) can not access the profile or order details. XXXX noted they were unable to reverse the charge and I would have to manage it with my bank. On XXXX after the charge hit my account I called Chase Bank again and explained that I did not make or authorize this purchase. They noted they would remove the charge and look into it. They removed the charge, but on XXXX ( 5 days before my bill was due ) the charge was re-instated. I called the recovery team ( XXXX ) on XXXX and spoke to XXXX ( he noted he was unable to provide last name or company identification number due to security reasons ). During this discussion, XXXX noted the charge would be removed in 4-buisness days. I have since asked for a copy of the recording from this call per the XXXX XXXX XXXX of XXXX. On XXXX, I called the recovery team again as the charge was still on my account. This time, XXXX answered and noted sometime it can take up to 15-buisness days for the charge to come off my card. On XXXX, XXXX of the Chase Bank investigation team called me and noted they are unable to take the charge off my card as the XXXX account is linked to my old email, which I no longer have access to and have been trying to get in touch with XXXX  to revive- this was stated on each of the previous discussions with Chase as well. I requested she go back and listen to the call from XXXX when XXXX confirmed they would remove the charge. XXXX stated the matter is closed and they would not be removing the charge. I am really disappoint in Chase Bank and their lack of support to remediate fraudulent charges. This is the first time I ever have had to dispute a charge with a credit card company and am shocked at how Chase are managing this. I did not make or authorize this purchase and I should have rights in this situation with Chase. {$2100.00} is a lot of money to me. I pride myself on paying off my credit cards in full every month to ensure I stay out of credit card debt, but this will be a challenge with the large fraudulent charge on my account.
Product: Mortgage

The servicer of my mortgage Mr. Cooper, has not responded to multiple requests that they process my final mortgage payment. 


Funds for the pay off of my mortgage were wired on XX/XX/22 and available on XX/XX/22. 

I called my loan servicer Mr. Cooper, on XX/XX/22 to confirm receipt of the funds and was asked to call back on XX/XX/22. 

I called on XX/XX/22 and was asked to call back on XX/XX/22. 

I called on XX/XX/22 and was advised to call back, and was told it might take 7 days. 

I have submitted online " tickets '' at the Mr. Cooper website ( https : //www.mrcooper.com/ ) informing them that : - tracking via XXXX XXXX documents that the funds were available on XX/XX/22 and have not been collected. 

- my final mortgage payment has not been processed ( it has been 9 business days since the funds were transferred ) - my online account is stating that my payment is past due - on XX/XX/22 I received a " late payment '' reminder via email but no communication regarding my mortgage payment not being processed.
Product: Mortgage

My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us. 

While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan. 

We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West.
Product: Checking or savings account

There is an unauthorized transaction on my account from XX/XX/XXXX for {$250.00}. I have reported this transaction to Chime and also contacted the merchant directly. The merchant canceled the transaction and provided proof by email that they did so. I have made several calls to Chime about the funds still not being available in my account. I have spoken to several supervisors and one specifically told me that she canceled the transaction and that the funds would be back in my account within a few hours. This was said on XX/XX/XXXX. The funds were still not back in my account on XX/XX/XXXX, so I called back again. Now Chime acts like it can not be done and that I have to wait for the transaction to settle. They have also repeatedly stated that I have to wait for the merchant to send the funds back, which I know is NOT TRUE because the merchant never got the funds. Chime is the only one holding the money and I dont appreciate them lying and saying whatever they want just to get me off the phone. They are also lying about not being able to release the funds back to my account because it has been done before by another department. It is absolutely something that can be done. They are repeatedly lying or at the very least totally unaware of their capabilities. I need the money back in my account from this unauthorized transaction and I need Chime to stop the lies and rudeness from their SUPERVISORS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not b
een upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance w
ith this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, pre
venting unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Equifax that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX # XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Syncb / XXXX  Account number -To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a XXXX XXXX card. I have not used my XXXX  XXXX accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from XXXX XXXX bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a XXXX XXXX account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with XXXX  XXXX. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.
Product: Mortgage

I was notified by Freedom Mortgage that I would now require flood insurance by letter dated XX/XX/XXXX. The letter in BOLD told me I have XXXX to obtain flood insurance. There was no mention of any existing lender flood policy or its cost in that letter. 

As instructed by Freedom, I obtained XXXX flood insurance on XXXX ( 34 days from date of letter ) and paid the policy in full ( {$750.00} ) on via credit card. I notified Freedom on XXXX via link they provide with the new flood policy information. 

Problem arises on XX/XX/XXXX when Freedom billed my escrow account {$430.00} for a lender flood policy that was started on XX/XX/XXXX and this about is a prorated amount of the lender policy. I contacted Freedom that day and multiple times since then trying to resolve this issue myself without success. Freedom claims that there is no XXXX grace period and that I must pay whatever rate they charge. 

I contacted FEMA and got confirmation from FEMA that I should NOT have been charged for lender coverage since I met my legal obligation. I forwarded this letter to Freedom on XXXX but can't seem to find anyone willing to address the issue.
Product: Debt collection

I have filed complaint after complaint against XXXX for not removing a medical collection with Medical Data Systems which I paid in full. Medical Data Systems sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfrauXXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. 
The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from XXXX have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures of Accuracy of Report.