23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2021I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, XXXX, and Transunion. XXXX deleted derogatory from XXXX, but not XXXX and Transunion. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for DEP and FDEP permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX XXXX as their XXXX XXXX, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At XXXX and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX IC Systems Collections XXXX XXXX XXXX XXXX XXXX MN, XXXX Account # XXXX I would like to file a complaint because IC Systems collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$3100.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship.

Given the urgency of the situation, I urgently request the following actions be taken : Immediate and Thorough Review : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue.

Preventive Measures Implementation : Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities.

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services.

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it to me.
Product: Debt collection

Debt was created under unfair practices of case mismanagement and lack of timely communication and correspondence relating to debt. Did not receive documentation or ledger of final balance, did not receive a notice of right to dispute debt before collection attempt. This debt is a lack of business ethics and integrity of documentation. I did not do business or sign a contract with any collection agencies to collect this debt.
Product: Checking or savings account

I am in help of the Consumer Financial Protection Bureau. I am a victim of Identity theft and a fraudulent checking account was opened in my name. I filed a report with the Federal Trade Commission and have attached with all my other accompanying documents. Its preventing me from moving on with my life because no bank wants to do business with me!
Product: Mortgage

Been faxing for a year! WELLSFARGO LIES ALL THE TIME, SEE XXXX XXXX XXXX ONLY NEED 3 MONTHS!!!!!!!!!!!!!!!!!!!!!!!!!!! AND TOOK INFO OFF RECORDERS OFFICE????????? Will keep complaining til done!
Product: Debt collection

XXXX XXXX of Phoenix Financial called me and asked if I would make a payment towards a debt. I explained I needed a debt validation letter to be sure of the debt. He said they had already sent one and I explained I had not yet seen the letter and could they send another. 

He said they already sent one and planned on turning over my debt to my credit report marked as " refusal to pay ''. I explained I was not refusing to pay but wanted a letter sent to me first to be safe. 

He interrupted me and aggressively said I was refusing to pay and that he was going to turn it over to my credit report as such. 

I asked for his employee information and he hung up on me.
Product: Credit card

Discover Credit Card Services : I am a XXXX XXXX who was XXXX XXXX XXXX for the pre-release XXXX XXXX before XXXXXXXX XXXX I noticed my discover credit card was being used for monthly payments for the service. I do not use the service, and even my cable provider includes the service ( XXXX  ) with the subscription. 
I disputed previous cases with discover and never have been turned down by the dispute process. However, in disputing 8 months at {$10.00}, I am being turned down, despite ample proof of XXXX for all of these months. The reason is that the " company responded '' to the dispute.
Product: Credit card

XXXX XXXXXXXX XXXX in XXXX NY made a fraudulent charge of {$65.00} on my Bank of America credit card. 

I discussed the charge with XXXX XXXX XXXX, but they did not reverse. 

The charge was disputed with Bank of America but they refused to remove the charge.
Product: Debt collection

To whom it may concern, In the late XXXX 's, my late husband took out a loan from Navy Federal Credit Union. I learned about the loan once he passed away in XXXX of XXXX. I have copies of the transactions between the bank and my husband. I never signed anything because I was unaware of the loan. Additionally, from my understanding, Georgia is not a debt consumption state and I was living in Georgia at the time of his passing. I was very disappointed to learn that Navy Federal Credit Union would have someone with this type of attitude working for them. The lawyer that was reaching out to me continuously harassed me and threatened me with a garnishment of my wages in XXXX of XXXX. In XXXX, I filed bankruptcy and included the loan in my filing. On XX/XX/XXXX, my current employer received a garnishment of my wages for this same loan. I'm furious. 

To resolve this matter, I would for Navy Federal Credit Union to leave me alone, return any money they have taken from me, pay any court fees I've incurred, and remove any blemishes they have caused on my credit report. 

I look forward to your reply and a resolution to my problem. 

Sincerely, Frustrated Customer
Product: Checking or savings account

XXXX XXXX XXXXXXXX sent Comerica bank my benefits for XXXX back in XXXXXXXX XXXX XXXX the exact date XX/XX/year> and Comerica bank suppose to have issued me a XXXX XXXX card with my benefits already on it. I called bank and they told me that XXXX never sent them any money on my behalf when I contacted XXXX they told me money was sent. There were two back payments of {$620.00} for XXXX and XXXXXXXX XXXX XXXX and a XXXX payment of {$640.00}. I feel Comerica bank has stolen my money or they have somehow mismanaged my money. I'm XXXX I can't go to the doctor without my money or pay my bills. The ppl I talked to at Comerica bank XXXX XXXX advocacy group was someone name XXXX and XXXX. Something is not right. I have been waiting a whole month for my benefits and my card to be mailed to me. I need my benefits asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXXXXXX XXXX XXXX  Account Ending XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX  Account Ending XXXX XXXX  Account Ending Milestone XXXX XXXX Account Ending XXXX XXXX  XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX XXXX XXXXXXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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. 

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 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 an account without my written instructions.
Product: Mortgage

Freedom Mortgage did not pay our property tax bill. I paid it and contacted them about them not paying it and requested a refund. I have not heard from them again and have no other recourse. They sold the mortgage to XXXX XXXX and neither mortgage company will assist me. Please see the attachment for the " Notice of tax sale '' due to non-payment and the credit card receipt of the payment that I made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is rearranging the account to try to show the date of chargeoff as the first date of original delinquency, which is an error. I have requested proof of the original deed of delinquency and have not received it as of this date., XX/XX/XXXX. XXXX XXXX is engaging in the action of re-aging the account so that it remains longer than the statutory limit of seven years from the date of first delinquency. The date of XX/XX/XXXX as the first date of delinquency is in error.
Product: Credit reporting or other personal consumer reports

I recently submitted disputes letters to XXXX, XXXX and Equifax.They said.Isound like a credit repair company.I sent those letters out personally. I'm not a credit repair company.I just want them to reinvestigate my accounts that I attach below to make sure the account on my credit reports.
Product: Checking or savings account

Company name is XXXX. I ordered a futon from this company whom I now believe is a bogus company. Through my XXXX account on XX/XX/XXXX I ordered a futon for {$76.00} but they charged me {$88.00}. I tried to get a receipt or confirmation but got nothing. On XX/XX/XXXX. I emailed the address XXXX that was given to me with no response. I don't want these scam artists to get away with stealing my money.
Product: Checking or savings account

I am following up on my initial complaint regarding my Citibank account, which has been frozen for nearly a month. I have not received any response from either the XXXX XXXX XXXX XXXX XXXX XXXX or the Consumer Financial Protection Bureau ( CFPB ) to date. 

Resolution Requested : Immediate Access to My Account I request that Citibank restore my online access to my account as soon as possible, or alternatively, reissue the card to allow me to access my funds.

Clear Communication I need clear communication from Citibank explaining why my account was frozen, what needs to be done to resolve the issue, and why there has been a delay in resolving this. 
Branch Visit Option If necessary, I am prepared to visit the nearest Citibank branch ( in XXXX ) to resolve this, but I prefer a resolution without requiring travel. 
If these resolutions are not met, I will pursue legal action through small claims court.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent. The date was XXXX XXXX  and the companies are listed below. 
XXXX XXXX Santander Consumer USA XXXX XXXX XXXX dealer
Product: Debt collection

I sent certified letter with prove of delivery to the company to request the debt validation and to stop contact me .The company did not response to my request of the debt validation letter and the company also keeps call me.
Product: Payday loan, title loan, or personal loan

I took out a personal loan on XX/XX/XXXX with UPGRADE to pay off other debts. I have yet to receive a statement for this loan. I contacted UPGARDE on XX/XX/XXXX, to inquire as to why I have not received a statement and I was advised " our personal loans do not generate statement due to the fixed amount of the monthly payments. '' This is a line of credit ; therefore, a statement must be generated for the consumer ( me ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and incomplete information appearing on my credit report as of [ Report Date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information you maintain. Below are the specific inaccuracies I have identified : XXXX. **Duplicate Reporting of Collection Accounts** : - The account listed under XXXXXXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX  ( Account Number : XXXX ) appears with inconsistent balances and statuses across reports. These discrepancies require immediate review and correction. 

XXXX. **Disputed Accounts with Unresolved Issues** : - Several accounts, including XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ), show unresolved disputes in their remarks but have not been corrected or verified. Please conduct a complete investigation into these accounts and provide verification. 

XXXX. **Charge-Off Details** : - The charge-off for XXXX XXXX XXXX ( Account Number : XXXX ) is reported with varying balances and statuses across different dates. Ensure the reported information aligns with the original creditors records. 

4. **Date Inconsistencies** : - The " Date Opened '' and " Date Updated '' for the XXXX XXXX XXXX  XXXX ( Account XXXX : XXXX ) account and others are inconsistent across the reports. This misrepresentation affects the validity of the data. 

XXXX. **Missing Payment History** : - Certain accounts, including XXXXXXXX XXXX XXXX ( Account Number : XXXX ), lack complete or updated payment histories, violating accuracy standards required under the FCRA. 

XXXX XXXX XXXX  Supporting Documents : I have enclosed the following documents to assist your investigation : - Copies of my credit reports from Experian, XXXX, and XXXX - Any additional documentation from the original creditors, if applicable. 

# # # Action Requested : 1. Investigate the discrepancies outlined above.

2. Correct any inaccurate or incomplete information.

3. Provide me with an updated and accurate copy of my credit report.

4. Notify any creditors or third parties that received inaccurate information within the last six months of these corrections.

I expect a response within the 30-day timeframe outlined in the FCRA. If you require additional information, please contact me directly using the details provided above. 

Thank you for your prompt attention to this matter. 

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

I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is Equifax XXXXXXXX XXXX did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to follow guidelines provided by FCRA. There are inaccuracies and fraudulent information being reported on my consumer report. Experian was made aware of fraudulent activity in XX/XX/2022 and has failed to block and remove the negative inaccurate information. There inaccurate names addresses and accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding all three credit bureausXXXX, Experian, and XXXXdue to their failure to provide me with the information I requested concerning their investigation of XXXX XXXX. I contacted each of the credit bureaus requesting details on the investigation they conducted after reporting issues related to my account with XXXX XXXX. Despite multiple attempts to obtain this information, I have not received any response or explanation about their investigation or the findings. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I am entitled to receive information about disputes and investigations. I am seeking assistance from the CFPB to ensure that the credit bureaus provide the necessary details regarding this investigation and that any inaccuracies on my credit report are addressed
Product: Mortgage

My issue is with my current mortgage owner/servicer : Vanderbilt Mortgage and Finance , Inc XXXX XXXX  XXXX XXXX, TN XXXX I refinanced my mortgage in XX/XX/2020, which required an appraisal. The refinanced loan came with PMI since my LTV ratio was greater than 80 %. The appraised value for the home at refinancing was {$620000.00}. I recently paid down a substantial portion of my loan so that the current balance is below {$500000.00}, meaning my LTV ratio is now just below 80 %. Because my LTV dropped below 80 %, I requested via phone to have PMI removed from the loan. 

My loan is a conventional loan and my loan documents state that I am eligible to request PMI cancellation when " the principal balance reaches 80 % of the original value of the property '', with the original value being interpreted as the appraised value relied upon by the refinancing lender. 

The first representative I spoke with at Vanderbilt Mortgage told me I am not eligible for PMI Cancellation because my LTV ratio is not below 80 %. When I asked how they were calculating LTV ratios the representative said they take the ratio of the current loan balance to the balance of the loan at origination. Understanding this is computation of an LTV ratio is incorrect, I requested to speak with another representative. 

The second representative also assured me that I was not eligible for PMI cancellation, yet provided different reasoning. This representative informed me that I have a " special loan '' which requires PMI throughout the duration of the loan, meaning PMI will never be removed. I am assuming the representative was misinformed about differences between FHA and Conventional Loans. 

I have since sent a formal letter to the mortgage servicer, but have yet to hear back.
Product: Payday loan, title loan, or personal loan

I have had multiple loans through this company over the past 2 years or so. It is a buy now, pay later type of loan. I have used the same banking information over those 2 years to make payments on each of the loans that I have carried. I attempted to make payments on two of my current loans on XX/XX/XXXX. I was notified on XX/XX/XXXX that those payments had failed. There was no issue with the bank, as I called them to make sure it was not an issue on my end. I attempted the payments again on XX/XX/XXXX and again was notified that they failed. I contacted Affirm on XX/XX/XXXX to inquire about the issue. They kept telling me that payments were still processing as each time the payment failed I would attempt another one. They did not know why the payments were failing and told me to contact the bank. I told them numerous times that I had already done that and the problem was not on my end but rather on Affirms end. I called their customer service line and spoke to someone who stated they can open a ticket to see if it is something on their end. She did not state she HAD opened a ticket nor give me a ticket number, so whether or not this happened, I do not know. I have been sending them messages from XX/XX/XXXX through today XX/XX/XXXX and I am still getting nowhere with them. They keep telling me to check with my bank. Apparently they do not know how to read because I have stated several times that I had already checked with my bank and there is NO PROBLEM ON THEIR END. There is an issue with Affirm and I need them to figure out what it is so that I can pay on my loans that are now past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!