23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The property at issue is currently undeveloped land. Perviously there was a building on the property, but the building needed to be demolished in XX/XX/XXXX. Since the land is currently undeveloped, it does not require typical structural flood insurance. Despite this, Select Portfolio Service , Inc ( SPS ) deducted {$930.00} from the mortgage escrow account for flood insurance. I had cancelled the flood insurance over one year prior with my company, so SPS had contracted with their insurance provider to place coverage on the property. On XX/XX/XXXX I contacted both SPS and the listed insurer to notify them that there is no structure on the property so that flood insurance is not required. SPS contacted me initially on XX/XX/XXXX stating they would have an answer within 30 days, and then again on XX/XX/XXXX stating that they needed an additional 30 days. Since then I have heard nothing from them, and I never received any response from the insurance carrier. I needed to file complaints for a similar issue previously with SPS with hazard insurance. In my opinion, their behavior goes beyond mere negligence, and actually is fraudulent as they intentionally apply insurance to mortgages when not needed in order to receive financial benefit from the insurance carrier for the referral. Unless they are held accountable, I will likely need to continue periodically filing complaints on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear consumer relations, This is related to complaint ID # XXXX My recent complaint was closed without providing me with any information from experian. 

I hand wrote and sent certified mail to experian requesting the method they used to verify certain items listed in the letter I attached in the previous complaint that was sent to experian in XXXX. Under the federal fair credit act you have 30 days to reply on my dispute or the reporting agent must delete and remove those account from my credit report. No response through mail was attempted from experian. FCRA 611 ( a ) ( 6 ) ( b ) states that upon request they must provide me a description of those procedures used to determine the accuracy and completeness of the information. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later then 15 days after receiving this request. No response was attempted through mail from experian. At this point I still have not received any information sent to my address I provided in the previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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: Debt collection

I received a voicemail stating the following " XXXX, My name is XXXX, i am reaching out to you today as a courtesy in regards to documentation that was placed attached to your name and social security number i have to review this matter and i want to give you a chance to provide a statement on your behalf prior to my recommendation being made. it is imperative i speak with you to discuss this matter further i can be reached directly at XXXX and when returning the call please refer to reference number XXXX ''. I contacted this bussiness back to see what this was concerning and the party i spoke with stated i had a debt that was owed and was pending trial. He stated they would be sending my information to an attorney and i could dispute it then. I explained i would like him to notate that i am verbally disputing the debt and that the statue of limitation to collect on this debt had past. he continued to talk over me and stated i would have my day in court and could do so then. i explained that i would like to speak to the attorney handling the case. He refused to give me the information i asked for. I asked for the oringal creditor information and he stated he did not have that info and they would not speak with me. During this time he did not provide a meaningful disclosure or the mini miranda. I asked mutliple time if he was a debt collector and he refused to answer my questions. He became upset and terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was issued a Social Security Number by SSA. 
Previously I was using ITIN issued by IRS to apply for credit. 

According to IRS " Once you receive a SSN, you must use that number for tax purposes and discontinue using your ITIN ''. 

On XX/XX/2023 I sent letters notifying that I was issued SSN and that it should be used from now on instead of ITIN. I attached copies of my new SSN card, previous notice of ITIN assignment and my current driver 's license. The letters were sent to the three major credit bureaus and IRS. I've also updated the SSN with all my banks and lenders. 

As of XX/XX/2023 XXXX and XXXX started using the newly issued SSN for my credit reports. All or most of my lenders should have started submitting my SSN for credit reporting too as of XX/XX/2023. 

But Equifax still refuses to update my SSN with the following explanation that I got by mail on XX/XX/2023 : " THE WORKER ID DOCUMENT ( S ) PROVIDED CAN NOT BE USED TO UPDATE YOUR SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY XXXX AS A SOCIAL SECURITY NUMBER AND CAN NOT BE ADDED TO YOUR EQUIFAX CREDIT FILE. '' Dispute confirmation number : XXXX. 

Over the phone on XX/XX/XXXX and XX/XX/2023 Equifax representatives reiterated that my Social Security card is not a proper SSN, but some sort of " worker ID '' issued for " work purposes only ''. They say it can't be used for credit reporting, because it says " Valid for work only '' ( as in " this social security number is valid for work only '' ). But the full text of a note on my Social Security Card says " Valid for work only with DHS authorization '', which means the opposite of what Equifax claims ( i.e. " this IS a social security number, but it is NOT valid for work, unless there's a separate work authorization from DHS '' ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was attempting to log into the Equifax site to temporarily thaw a credit freeze, but they did not allow me to reset my password. I called them, and spent an hour on the phone, at the end of which the representative told me that the issue was because my current address and previous address were not the same in they system. He said their team would contact me via email with next steps. 

They never did, and I have yet to be able to unfreeze my credit with them. From some research, it seems that this is a normal occurrence for Equifax.
Product: Debt collection

I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This XXXX  XXXX credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.
Product: Credit reporting or other personal consumer reports

delete these hard inquirie : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I received a complaint from XXXX XXXX XXXX XXXX XXXX stating that I owed a debt from XXXX  from XXXX XXXXGenesis FS Card Services in the amount of XXXX this debt is not mine ; I have a XXXXXXXX XXXX XXXX that is open and not in default. I have had XXXXXXXX XXXX XXXX in the past and if I don't use it for an extended period of time they close the account for in activity. 

I checked my latest credit report and it doesnt reflect the complaint that has been sent threatening me with judgment and garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my report and there is no way to contact XXXX about this. 

XXXX  will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Hard Inquiries : XXXX XXXX SERVICES - XX/XX/2023 XXXX XXXX  SERVICES- XX/XX/2023
Product: Money transfer, virtual currency, or money service

XX/XX/21 - I created an account with Gemini, a digital asset platform operated by and proprietary to Gemini Trust Company , LLC. 

XX/XX/21 - I deposited {$500.00} USD into my Gemini account via debit card. This was allowed to occur prior to Gemini identity verification process completion. 

XX/XX/21 - I purchased XXXXXXXX XXXX for a total of {$480.00} USD. This was also allowed to occur prior to Gemini identity verification process completion. 

Created customer service tickets regarding identity verification completion delays XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Received automated responders only. 

As of XX/XX/21 - The Gemini identity verification is still pending. I can not access my digital funds to withdraw or transfer.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Product: Mortgage

Fay Servicing will not do a full appraisal on this property and they only only did an exterior which was done over 6 months ago. We need a current interior appraisal in order to short sale this property and save the seller for foreclosure.
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 1681. 

XXXX XXXX XXXX ACCT XXXX, XXXX  XXXX XXXX  XXXX  ACCT 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, credit repair services, or other personal consumer reports

I enrolled into XX/XX/XXXX on XXXX Tenn. XX/XX/XXXX My spouse enrolled in XX/XX/XXXX. I graduated top in my class on XX/XX/XXXX.My spouse graduated XX/XX/XXXX.We set out after acquiring our license to open XXXX and make lots of money!!! I discovered the theft of all our financial aid and loan monies in XX/XX/XXXX. I had already been given the run around by corporate many times prior to this date. I couldn't figure out why I was having problems as I attempted to work in the XXXX XXXX to feed my family? I discovered that these people had enrolled me into their XXXX NY campus, maxed out a {$30000.00} financial aid and loan package and said, '' transferred ''? Presently they are cyber and physically stalking me and my spouse. Call into all job opportunities getting me terminated. I last worked as a XXXX  XX/XX/XXXX in XXXX TN for XX/XX/XXXX on XXXX XXXX an affiliate of XX/XX/XXXX where I was wrongfully terminated and my commission monies over XXXX dollars was seized. License as well. Are these criminals above prosecution? XXXX XXXX XXXX stole my and my spouse identities upon enrollment. They still have it!!! We are presently XXXX  living in rest stops trying to get these criminals off our backs!!! EEOC case # 's XXXX ; XXXX ; XXXX are still active matters ( EPA  ) that these criminals seized control over!!! XXXX was a matter where I was ran off my job as a XXXX  for XXXX XXXX in XXXX XXXX XXXX in XXXX TN. My spouse was employed here at this XXXX XXXX XXXX   prior to myself. She resigned because of harassment and bullying. I began working there.XXXX XXXX XXXX/XXXX   is the leader in the XXXX  XXXX  as a result they break all the rules regarding discrimination!!! They bribe anybody " on the take ''. Vicious unethical criminals!!!
Product: Mortgage

dealings with Sebonic financial / Cardinal financial. Very Unprofessional! Made numerous promises that were not fulfilled. Endless frustration and disappointment. 
Look elsewhere, trust me you will be happy you did.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Broker and I contacted a manager at Freedom Mortgage on XXXX/XXXX/XXXX asking about if they would be sending the XXXX Tax payment in. We were told that it was to be mailed out on XXXX XXXX, XXXX, upon which we told them that that would cause it to be late. I told them that I would go and pay it so that my loan would be able to be closed. I did and have copies of the paid receipt from XXXX XXXX XXXX XXXX office and also the front and back of the check. I contacted Freedom Mortgage on XXXX XXXX, XXXX and told them that I had paid the taxes personally and they said that they mailed the check to the tax office on XXXX XXXX, XXXX. I contacted the tax office on XXXX XXXX and they had not seen anything from them. I called Freedom again on XXXX XXXX explaining the situation again and this time was told that they see there was a stop payment put on the payment and to give it 14 days. I called the tax office again today XXXX/XXXX/XXXX and they still have not seen anything from this company. I have sent XXXX emails, with no response, but have received a letter from them on XXXX XXXX and again on XXXX XXXX saying that they are reviewing the information that I provided. The loan closed on XXXX XXXX and they have been paid in full. I just want to get my {$1500.00} back that I overpaid. I feel like I 'm getting the run around. They have had everything they need to resolve this issue. 
Thank you,
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order with XXXX XXXX as documented on the attached documents. I described the vehicle for which a bumper was ordered. I received the part and took it to a repair facility. It advised it was the wrong bumper. I emailed XXXX XX/XX/XXXX about the error and requested they ship the right part and furnish a return label for it. No response was ever received. I did order a bumper from another vendor after no response was received as the repair shop had to have one to complete the work. Documents from their website show which bumper should have been sent. On XX/XX/XXXX I notified Chase about the problem. They issued temporary credit but charged my account XX/XX/XXXX. I called Chase and was advised to reword my complaint which I did and resent it to Chase. Chase processed it and advised they considered the charge valid. Having no success with Chase I called on XX/XX/XXXX and was advised to ship the bumper back which I did at my expense. I emailed XXXX XX/XX/XXXX outlining the progress. The XXXX XXXX record is included. On XX/XX/XXXX XXXX confirmed receipt of the return information and thanked me. On XX/XX/XXXX I received a cell phone message from XXXX at XXXX that the bumper was received. On XX/XX/XXXX I advised XXXX about the call from XXXX who I was unable to contact. I continued to advise Chase of the progress. On 1