23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I currently have a mortgage with Seterus, Inc., they are charging me a property inspection fee of {$15.00} every month that I just recently found out about. I do not know if this is legal this was not a practice that my previous mortgage company did which was citimortgage who sold my mortgage to Seterus. On my payoff quote it states that I owe {$690.00} in previous property inspection charges. This concerns me because I am towards the end of my mortgage payments. I have also requested an escrow analysis XXXX over the phone with Seterus , Inc. over the past 6 months and I still have not received one. They have no email address so I ca n't email them requesting one and they do not answer letters sent to their PO Box . What are my options in handling this matter?
Product: Payday loan, title loan, personal loan, or advance loan

Interest rate is incredibly high that the overall balance never changes after multiple months of charging me it remains the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a copy of my credit report today, XXXX XXXX from XXXX Credit Report for Equifax, and they continue to produce an error code. I have not been able to get a copy of a credit report due to a code NH. Attached is a copy of the message that I continue to receive. 


Please give us a call We can't complete your request at this time. Please call the XXXX XXXX team and mention error code NH. 

XXXX-EQUIFAX ( XXXX ) Customer Care is available XXXX XXXX  and XXXX XXXX ET, Mon-Fri ; between XXXX XXXX and XXXX XXXX ET, Sat-Sun
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about?
Hard inquiry on my credit report. I did n't make any credit requests.
Step 2 : What type of problem are you having?
Unauthorized hard inquiry.
Step 3 : What happened?
Unauthorized hard inquiry.
Step 4 : What company is this complaint about? 
Syncb/walmrt XXXX, FL XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved?
Myself. XXXX XXXX & Syncb/walmrt
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must remove any wrong accounts from my credit report. Can you check the papers? Some accounts listed have incorrect reporting, wrong amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to Transunion, XXXX, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Product: Mortgage

I was inquiring with Discover about a home equity loan, trying to find out about rates, possible monthly payments, terms, etc. on XX/XX/2018. The loan specialist did gave some rates and calculations after that she have told me to go ahead and she will start an application since she have prequalified me for the loan and will be getting more information from me and documentation as well. It was a lot of information and I feel that she was going fast and everything was just going fast. Nonetheless, the application was taken and then I have submitted documents that they were asking also. I called today XX/XX/2018 trying to ask if they can put my application on hold because I have  inquire some place else and they will be giving me a lower rate compare to what they are giving me so I ask if they did a credit inquiry already on my credit and they said yes so I ask if it was a soft or hard inquiry and they mentioned that it was a hard inquiry which I am really worry knowing that it seems different from what the loan specialist explained to me while obtaining my application and information over the phone. I have asked them is there any way that it can reversed since I wasn't aware that it will be a hard inquiry versus a soft inquiry the I would have thought about it some more knowing that she was giving me so much information over the phone and there are times that I have to ask her to repeat the questions or information because I feel that I wasn't fully understanding everything.
Product: Vehicle loan or lease

My Daughter had a car accident in which the car insurance decided to total the car out, the amount at the time was owed was XXXX XXXX XXXX cut a check in the amount of XXXX and the XXXX coverage sent a check out for XXXX and I just had made a payment of XXXX in XXXX, my total is XXXX within XXXX months. Now they are reporting account as late to credit making a negative report affecting my score it have dropped like XXXX points within XXXX weeks because of them making back to back reports in the same month. I co signed on the car with my Daughter and I am working hard to improve my credit, can they charge me interest on a car that was paid off and report to credit like they are doing. The car was due to be paid off in a couple more years and they got they money in advance due to the car accident and my Daughter is still without a car.
Product: Credit card or prepaid card

On XX/XX/XXXX, I realized there was multiple purchase totaling in the amount of {$1700.00} ( {$370.00}, {$240.00}, {$190.00}, {$440.00} & & {$440.00} ) on XX/XX/XXXX in XXXX XXXX, PA. I never been in the state and I was worried since the amount of fraud charges were summing up to unbearably large. 
I've reported to XXXX XXXX credit card & they promised to dispute the amount. The amount still remains the same under the account ending with XXXX even after the 2 months had passed. 
Called again in XX/XX/XXXX & spoke with XXXX, Employee ID # XXXX from the Fraud Department, T. XXXX claims that I shouldn't worry about the balance still remains under the account ending with XXXX & it will take another 30 days for them to resolve an dispute. My Fraud case # XXXX, I'm very concern what will happen to my the balance that I am not responsible of & worry sick if these charges will effect any of my credit report because I seen the same exact balance on my credit report which XXXX XXXX claim that would never happen. Please help to resolve an dispute issue that I'm having.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Affidavits to XXXX XXXX, and Experian by certified mail asking for proof of Contract with two wet signatures from both parties stating that I am Contracted to pay Child support and have it report on my credit report. I was never provided the evidence and neither credit agency removed the Account, I also have Hard Inquiries that I have Disputed that are also Unauthorized because I never gave them permission with a wet signature to run my credit report and it still remains on my credit report. 

I received a copy of my credit report and found the following item ( s ) to be errors.

I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this account via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of  verification that you and/or your staff used to verify and validate this account- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit card

I want to pay off the balance on my Chase Credit card without closing the account, but Chase will not give me a payoff amount! I called once to get the payoff amount on XX/XX/year>. They said they could not give me the payoff balance, but I could pay what was listed online and then check back to see if there was other interest that had accrued and make another payment - that is riciulous and a process that would go on forever because there would always be some interest left! 
I paid {$5200.00} on XX/XX/year>. About two months later I receieved a past due notice for another {$290.00} which was interest and fees for overdue payments. I again called and asked to pay off my card. The person told me XXXX was the payoff amount which I paid on XX/XX/year>. Now I just received ANOTHER notice that I owe {$73.00}. This process is not a fair practice, how can the company not let me pay off my balance?!?!?!
Product: Mortgage

We received a call from Freedom Mortgage our current mortgage holder offering us a no cost option to refinance our home because all of our payments were on time. The lender said that our new rate would be a at least of .25 % less then what we are currently paying and it could be even less then that if our credit was good. They sent us us back a denial letter. In the denial letter they said that our credit score was XXXX which we thought and were told by everyone is n excellent score. However we own rental properties. Therefore we have several mortgages. All of them have always been paid on time with never a late payment to anyone. However because our loan can not be sold on the secondary market we were denied If lender turn down people with XXXX credit scores and who are willing to personally guarantee their loans. I guess the only people who can get loans are people like XXXX XXXX, who has had many bankruptcies and never provides a personal guarantee.. Why are we who are truly credit worthy being discriminated against.?
Product: Credit reporting

I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I received a letter from MRS BPO , LLC a debt collector. They are trying to collect a debt that I owe to XXXX. It cost {$20.00} on XX/XX/year>. However, in previous years, I didnt use XXXX ; I stuck to XXXX XXXX XXXX XXXX My internet is XXXX XXXX XXXX, and my XXXX is XXXX. I dont know if they want to scam me or what. I didnt connect a line with XXXX
Product: Checking or savings account

I would like to file a complaint against Chase Bank for closing my joint account with my husband without my consent. I received a statement on XX/XX/2023, indicating that my account had been closed due to an alleged report of fraudulent activity. Chase Bank issued a check for the funds in the account, which was {$1500.00}, and sent it to my address. However, I never received the check despite making multiple calls ( over 10 times ) and visits ( over 5 times ) to Chase Bank to inquire about the situation. This has caused me to waste more than 40 hours of my time, at my hourly rate of {$60.00} per hour, resulting in a loss of more than {$2400.00}. 

Upon investigating further, I discovered that there is another person with the same full name, date of birth, and social security number as me, as reported by XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite explaining the situation to Chase Bank, they have yet to return my funds, causing me extreme frustration. I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that I am properly compensated for the inconvenience and financial loss caused by Chase Bank 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my mtg payment on XX/XX/XXXX ( which was a Sunday ) usually the mtg company processes our payment the next business day. However, they processed it on the second and reported to the credit bureau as late which caused my score to drop 32 points! I tried calling them to rectify the situation to no avail. It was a matter of one day. Please have this updated me late payment removed from my report. Thanks
Product: Student loan

When the Public Service Loan Forgiveness ( PSLF ) program was announced, I called my loan servicer Nelnet immediately ( XX/XX/2008 ) to find out more information about this program and to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. 
I was assured by Nelnet staff that my loan type XXXX XXXX XXXX XXXX ( XXXX ) and Graduate repayment plan were eligible for the PSLF plan. They specifically told me I did not have to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program '' they explained. They stressed most importantly that I had to make all my payment on time. 
I told Nelnet specifically that I wanted to be sure I was eligible under the PSLF program as I am employed by the local government. They assured me that working for a local government would qualify for this program and not to worry.

After completing all 120 payments on time and staying employed by the local government for 10 years I submitted my verification form and notified Nelnet that I was ready to submit my final paper work for the PSLF program. The servicer said everything looked great and I should be fine. After inquiring again into this matter to double check that I wasnt missing anything, a person came on the phone and informed me that NONE of my payments qualified for the PSLF program. I found out that I was given incredibly incorrect information by Nelnet the entire time. I requested to speak to a manager or someone with authority and was passed around to a person who  admitted to the error and said they could do nothing to correct this. 
During this entire time in my repayment period, I called several times to continuously ask them to make a note in my account to record and note that I had called and confirm that I was on the right path for the PSLF program, they always assured me they did this. After paying these loans on time for the past 10 years ( as I was told to ) under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest to {$44000.00}. I feel that because I was told this information and guided by an approved servicer that all my payments should be applied to the PSLF program or at least Nelnet should provide a similar resolution for this enormous error. I've committed my life for the last 10 years ( 120 months ) to public service and several life career decisions and opportunities were passed knowing I had to maintain this status to complete this program. This error has jeopardized the financial future for family. Nelnet please do what is right and provide a solution to this matter. 

TX
Product: Debt collection

XX/XX/2025 XXXX XXXX XXXX XXXX, XXXX, XXXX, New York, XXXX Dear Portfolio recovery, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


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

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 USC 1666b clearly states that no creditor can mark any payments as late for any reason.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required Demand for Verification Process Details To whom it may concern, I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.
Product: Credit card

I am deeply troubled because Key Bank raised the interest rate on my business card to 30.24 % for no fault of mine. I have never been late on my payment. 

I was scammed by a company back in XXXX XXXX and I requested a chargeback. After about 30 days of investigation the KeyBank fraud department approved the chargeback and credited my account. I did not make payments during those months because I did not owe them any money because of the chargeback credit. 

Then in XXXX XXXX I get a letter from KeyBank that they have reversed the credit and recharged my account the {$2000.00} I was charged by this scam company. I decided to make monthly pmnts but on examination of my statement I am being charged now 30.24 % interest and my credit score has been damaged. 

I called keybank support and talked to XXXX and her supervisor and was told that KeyBank does not lower interest rates and there is nothing they will do about it. I am extremely upset about this. Key Bank has hurt me, cost me money and damaged my credit score.
Product: Mortgage

my mortgage has just been sold to shellpoint mortgaging services in XX/XX/2016 ... i received a certified letter today stating i owed monies ... .they only monies i owe is this month XXXX ... the letter is certified and threatening to me ... .default with acceleration and balance is this month plus next month. the letter makes it seem they can take my home from me if balance is NOT up to date ... i have seen many complaints from this company for same reasons on google and SOMETHING NEEDS TO BE DONE. i am current ... i should receive these letters if i am over 2 months late
Product: Debt collection

XXXX XXXX LVNV Funding LLC Attn : Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Validation of Debt Account Number : XXXX Dear LVNV Funding LLC, This letter is a formal request for validation of the debt you claim I owe regarding an alleged account originally associated with XXXX  XXXX. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Validation Requirements To validate this alleged debt, I require the following documentation : Verification of the Debt : A detailed and itemized statement of the alleged debt, including the total amount claimed, interest, fees, and an explanation of how the balance was calculated.

Original Creditor Contract : A copy of the original contract or agreement between myself and XXXX XXXX, including my signature and terms of the original agreement. 

Bill of Sale/Assignment Agreement : A copy of the Bill of Sale or assignment agreement showing the transfer of this alleged debt from XXXX  XXXX to LVNV Funding LLC , confirming your legal right to collect this debt. 

Affidavit of Firsthand Knowledge : A notarized affidavit from a representative of LVNV Funding LLC, confirming that they have firsthand knowledge of the creation and status of this debt, including accurate details of the balance owed and its origination. 

Proof of Standing : Documentation demonstrating that LVNV Funding LLC has the legal standing to collect this debt and that all actions taken thus far are lawful and in compliance with applicable federal and state laws.

FCRA Compliance : Verification that any information you have reported to credit bureaus regarding this account is accurate, complete, and not misleading. If any of the information is incorrect, please rectify it and notify me of such corrections. 

Clean Hands Doctrine Please be advised that I reserve the right to assert the Clean Hands Doctrine in any future litigation regarding this matter. If it is determined that LVNV Funding LLC has engaged in unethical or fraudulent conduct related to this alleged debt, it may impact your ability to collect any purported amounts due. 

Next Steps Please provide the requested documentation within 30 days of receipt of this letter. Until such validation is received, I do not acknowledge this debt and expect all collection activities to cease. If you are unable to validate this debt within the specified time frame, I will consider the matter closed, and any negative reporting must be removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.