23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage payment is due on the first of every month and there is a late fee incurred if the payment is received after the XXXX of the month. My payments have been made consistently on the XXXX of each month which is well within the grace period allowed. Nevertheless, I am receiving harrassing phone calls each month from the mortgage company claiming that my payment is late. For example, I received a phone call today on XXXX while my payment was already sent on Friday XXXX electronically through my bank. These phone calls must stop!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen to apply and open accounts on my credit file. Equifax refuses to remove the fraudulent items on my credit report due to ID theft. I do not know who opened the accounts in my name but they are not mine.
Product: Student loan

My student loans have evolved to the point where they are completely unaffordable for me. Although I have been making my income based repayments, Fed Loan reported an increase of {$500.00} to my overall amount, this in turn caused my credit score to drop by 90 points! Although I have been making my payments, they just now reported this and there is no way I can stop it. My only alternative is to find another company to service the loan. Since the loan is so large, I haven't been able to do so. If this continues, not only will I never pay the loan off, I also will never have a decent credit score. My score dropped from a XXXX to a XXXX. I feel hand-cuffed and there is nothing I can do. had I known about the IBR earlier, perhaps I could have mitigated the amount of interest that was accruing. I may never recover from this.
Product: Debt collection

Franklin Collections has a collection on my credit file from XXXX XXXX XXXX. I have disputed this collection twice of which XXXX claims that the debt has been verified. With that being said, I have yet to receive for what service was this for. Was it a cell phone? I have requested a detailed report from the collection agency with no answer in my last complaint. I refuse to pay a bill without a detailed description of dates and what it was for.
Product: Credit card or prepaid card

I initially contacted American Express on XX/XX/XXXX for charges that occurred on my account XX/XX/XXXX. The reason for the delay was because I had to make sure that I tried everything possible to make this plan that I signed up for work. The charge was for XXXX XXXX for a XXXXXXXX XXXX XXXX how to sell on XXXX. Well, I received some of the training and had use of their website, etc., but it was not the " we will help you succeed '' tools that I paid for. On XX/XX/XXXX I try to contact the company and the phone message states that the company is temporarily closed. I called someone I had met at training and they tell me the FTC has filed a complaint. 
XX/XX/XXXX I file a compliant with AmEx with the fraud department stating that I had been a victim of fraud, that I did not get all the services I paid for. On XX/XX/XXXX I got an email stating I had a message at AMEX they had closed my dispute and did not give me a reason. I opened another on XX/XX/XXXX again this dispute was closed in XXXX, but I misunderstood, I thought they were awarding me the $ but they actually put the charge back on. They said it was because they had sent me an email asking for additional information, which I did not get. I told them I would have happily sent them the required information. So, on XX/XX/XXXX opened again and got the phone # to upload my documents which I did on XX/XX/XXXX. So, now on XX/XX/XXXX I get an email telling me it's closed again and I'm responsible for the charge and again no explanation why. XX/XX/XXXX I Call and talk to a rep and he says I was denied because I said it was fraud and it wasn't, I agreed to the charge. Which I did and that if I would have said I didn't receive the items then I would have gotten some of my money back. I told him in the documents I sent it states clearly that I didn't receive a lot of the items and I mentioned which ones. Well, he said you listed it as fraud and not missing items and therefore it was denied. I asked why if in my explanation I state I did not receive certain items that it could have been researched that way and he said because I selected the fraud button. I told him that the other selection was did not receive merchandise and that was incorrect because I did receive some. I can't believe that I would lose all that money over semantics. I was trying to be honest, I did receive some merchandise but not all. Now he states it's too late for me to do anything, even though I started it back in XXXX. 
XXXX XXXX have been charged with fraud and been ordered to pay {$10.00} XXXX out. I have filed a claim with the FTC but it could be years if anything comes from it, in the meantime I have a credit debt with nothing to show for it. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019 I contacted Equifax to get my security freeze temporarily lifted for XXXX XXXX to be able to check my credit. 

I first tried to do this on line but do not have, nor was ever provided a ten digit PIN from Equifax when I initially placed this freeze. 

Then I called Equifax customer service and answered all their security questions properly and completely. They still denied my ability to lift my freeze and get me a new PIN. 

I spoke to a customer service rep and a supervisor, neither one of which could speak English such that I could understand them. 

I was told I could request the temporary freeze removal and get a new PIN in three to five business days if I faxed a detailed letter to them along with copies of my driver license and Social Security card which I have done. 

The purpose of this complaint is to protest the lack of customer service in helping me accomplish what I need to accomplish. The people were like robots. They could have offered any number of ways to confirm my identity immediately but refused to do so. 

Equifax has long had a terrible customer service reputation which still exists to this day.
Product: Payday loan, title loan, or personal loan

When I took out this loan in 2019 with one main financial I was told about the interest rate but not once did they show tell me about the finance charge they just showed me where to sign. Ive been paying on this loan on time since 2019. Ive been paying around {$280.00} a month. The Loan was for {$7400.00} so its 25 % interest which is fine I didnt mind that. The problem was when I went to make a payment I still owed over {$6000.00}. When I called to find out why I still owed that much they informed me that I had a finance charge of {$6000.00} on my account for the loan. Not once when I signed up for the loan was I informed or showed a finance charge. On the online portal the highest amount they showed for the total loan was around {$9000.00}. So they were hiding the amount of the finance charge on the online portal as well. Overall I owed over {$16000.00} for a {$7400.00} loan how is this legal? I was also in the military at the time of me signing the loan. So they violated the military lending act by hiding this information from me.
Product: Mortgage

Ocwen Mtg raised monthly payment from XXXX as per XXXX/XXXX/15 statement to XXXX as per XXXX/XXXX/15 statement. This was because of escrow increases. I sent XXXX that they claim was escrow shortage. They acknowledge they received this on XXXX/XXXX/15. Now they claim my payment is XXXX on XXXX/XXXX/15. I sent the XXXX payment of XXXX that shows on my statement. They are now calling and telling me I am delinquent with my payment. They have not credited me the XXXX. I have talked with them on the phone and I have tried to explain to them but they can not seem to understand there is a problem as they do not have the correct amount for my payment. I speak to some one who does not speak very clear XXXX. It is hard to understand them and they do not seem to understand me either. I do not want this to look like I paid a late payment as I have perfect credit and do not want a mark against us.
Product: Bank account or service

As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.
Product: Mortgage

My wife XXXX and I have a VA loan processed through Home Point with an excessive amount of property involved with securing the load as well as accumulated equity. Now, at age XXXX, I am manifesting the results of XXXX and XXXX XXXX received in XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. ) It is our desire to sell some 10 - 15 acres of the excess property so that we may make changes to accommodations in our home and to travel a bit across the country - while we still can. 
My problems with Home Point have been going on since XX/XX/2018 when they did not honor the Disabled Veteran Tax exclusion issued in Texas. After several phone calls I spoke with an " Escrow Expert '' and reached a settlement over the phone that like several times throughout out financial relation has not been reflected on paper. 
We have three buyers of our pasture land that is a part of our loan waiting to go to closing. I was told there would be no problem in the releasing of those 15 acres but at the meeting we discovered that no action had taken place. 
The title company made phone calls while we set there in her office to see what the hold up could be, she was given phone numbers to what turned out to be irrelevant government agencies, rather that the proper department at Home Point. But the next Monday they ( XXXX XXXX XXXX notified me that Home Point had certain demands to even " consider '' the release with no guarantee that the XXXX fee would be honored, but, was only to consider the possibility and that if accepting my written request there would be other fees associated. I drafted the letter and placed it and answers to a form in XXXX 
I have not heard from Home Point as to even their receipt of the request. So, I'm asking you to ask them to get the lead out and release these few acres so that the buyers can move forward with their plans and so can we.
Product: Mortgage

I was contacted by my mortgage servicing company ( XXXX ) in XX/XX/2017, via a mailed letter, stating I was eligible to request termination of my monthly PMI due to my loan to value reaching 80 %. They stated I would need to submit a written request, which I did in XX/XX/XXXX.  I called several times to follow up on the request only to be told they have not yet received my email. They provided me with the same email address I sent the initial request to and told me to re-send the request. Every time I call to follow up on the request they state that they have no record of my request. I feel as if this is a delay tactic to keep me paying PMI. They contacted me, therefore I feel it incumbent upon them to follow through with the removal of PMI from my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Equifax and XXXX XXXX XXXX failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation
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 Account Number : XXXX Account Name : XXXX 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 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, credit repair services, or other personal consumer reports

I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX Trans Union reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX XXXX since XX/XX/XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told Trans Union that was NOT MY DEBT! 
XXXX-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX XXXX again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX.never lived  there..XXXX XXXX..sister..XXXX.XXXX.not us.XXXX XXXX Sister..XXXX.XXXX.XXXX..sistrr..XXXX XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX  IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX XXXX..XXXX..XXXX   etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this Trans Union investigation of XXXX XXXX  was incorrect. XXXX said they told TU that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER MINE!
Product: Checking or savings account

When the IRS sent KeyBank corp my stimulus payment, KeyBank instructed myself and others that any IRS stimulus payments would not be posted until XXXX on XX/XX/XXXX. KeyBank did not post my ACH stimulus deposit on XX/XX/XXXX, despite the IRS sending it to them. KeyBank can not give their customers proper answers as to when their stimulus checks will post, despite telling myself and multiple other customers that they would post on XX/XX/XXXX at XXXX XXXX. Furthermore, the IRS indicates that my payment was sent to Keybank and KeyBank has refused to post that deposit, but they have been posting numerous debits that are also dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in a fraudulent chargeoff appearing on my consumer FICO credit report. I attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, chargeoff, as reported. The aforementioned account, chargeoff appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and chargeoffs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card

protected class member XXXX of XXXX, XXXX veteran total and permament since XX/XX/XXXX. 

constant harassment, discrimination from Navy Federal for years, but this past year has been the worst, especially given my health has declined so muchXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   living in hotels as navy federal continues to deny me home loans, shut off my credit cards, make it as difficult as possible for me just to focus on my health. 

informed them around XX/XX/XXXX when I was forced to vacate my home due to harassment and this bank amongst their peers, XXXX and so many others and their XXXX parties continue to harassm me. 

I have and is in the process of removing all my contact information and/or ending the emails, phone services as I have received over XXXX harassing calls/text/emails and all these companies have employees seems like they need to speak with each other and access all the logs and STOP STOP STOP harassing me. 

I WILL UNDER NO CIRCUMSTANCE BE FORCED TO SPEAK WITH ANY COMPANY IN THE XXXX THAT I DO NOT WANT TO. 
YOU CAN'T FORCE ME AS THAT IS EQUILALENT TO XXXX THE FACT THAT I HAVE HAD TO KEEP BEING IN PAIN PHYSICAL AND MENTAL TO KEEP SENDING THESE REQUEST PROVES THAT THE ONLY WAY FOR ME NOT TO GET HARASSED IN THIS COUNTRY IS TO REMOVE ALL EMAILS AND PHONE NUMBERS FROM XXXX BASED COMPANIES SITE. 

WHEN MY POA ARE UPDATED THEY WILL REACH OUT AND WILL PROVIDE THE ATTORNEY FOR ALL THESE US HARASSING COMPANIES TO SPEAK TO I AM FOCUSING ON MY HEALTH NO MEANS NO!!!! STOP TRYING TO XXXX XXXX ME, EMAIL XXXX ME, SOCIALLY XXXX ME, TEXT XXXX ME STOP TRYING TO FORCE YOURSELF ONTO ME. 
STOP TRYING TO KILL ME SO THAT YOU CAN FIX YOUR ISSUES CIVIL RIGHTS ACT 1964, EEO, FAIR HOUSING, DODD FRANK, FAIR CREDIT, ADA PRIVACY ACT 1974, JUST A FEW OFF THE TOP OF MY HEAD. 
FORMER XXXX XXXX HIGH RISK XXXX FOR XXXX  XXXX XXXX, AUDITS ONLY BY THE REQUEST OF CEO XXXX XXXX. 
CONDUCTED OVER XXXX SECURITY ASSESSMENT FOR XXXX XXXX, I UNDERSTAND LAWS, RULES AND REGULATIONS ONLY WISH THAT THIS BANK DID AS WELL. 
JUST A FEW OF MY ACCOMPLISHMENTS WHILE STRUGGLING WITH THE SAME XXXX FOR OVER 23 YEARS XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, Beta Chapter, XXXX XXXX XXXX XXXX, XXXX, XXXX Licensed real estate agent XXXX states, XXXX states in progress 23 years cyber security government and financial sector XXXX XXXX veteran XXXX Honorable XXXX Let 's not forget XXXX Let 's not forget, XXXX definitely forget ALL OF OUR SACRIFICES the lip service is BLASPHEMY In pursuit of my Master of Divinity and Juris XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for XXXX XXXX XXXX. I asked for XXXX to produce a copy of the original signed contract with my signature on it. I never received any documentation. By State and Government law under the FCRA, unverifiable accounts must be deleted or removed. This is a violation of my rights under the FCRA Laws. It has been well over the 30-60 day time frame.