23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American Express is in violation of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution based on the facts of American Express 's failure to ; conduct a good faith investigation of alleged error and mail the results of said investigation within ten business days of XX/XX/XXXX, American Express did not provide a provisional recredit of my account in lieu of those requirements within ten business days of XX/XX/XXXX, American Express failed to mail any explanation of findings within 3 business days of the good faith investigation that should 've taken place within the first 10 business days of XX/XX/XXXX ( this did not take place ), American Express failed to mail any of the documents that were used to conclude that an error did not occur on my account, American Express concluded that my account was not in error when no such conclusion could not reasonably been drawn from the evidence available to your company at the time of its investigation, American Express failed to provide the verified, certified and complete transaction history that was requested, American Express did not have a reasonable basis for believing that my account was not in error. These are all direct violations of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution. How this all took place is I submitted two payments to them in the amount of {$3200.00} one on XX/XX/XXXX and XX/XX/XXXX, American Express stated they did n't receive the funds. I requested an audit of transaction history and investigation as to where my funds went. They have failed to even attempt to reach me or comply with the stated statute. I stated in the request for the investigation and audit that failure to comply treble damages would apply. When they failed to make any good faith efforts in complying with the statute I sent a demand letter requesting the damages in the amount of {$19000.00} in which they still have failed to even reach out or try to settle this matter.
Product: Checking or savings account

Is there a legitimate reason as to why this company is asking me to verifying your ownership, or affiliation to XXXX XXXX XXXX XXXX. This is clearly the tax professional that prepared my taxes and deposited the refund into my account from the IRS. Im confused as to how and why I would need proof of ownership or affiliation to this company in particular? This is completely absurd, no where does my tax refund state that I claimed affiliation or ownership to this business. I have filed too many complaints with the BBB to still be going through this.
Product: Credit reporting or other personal consumer reports

I Have Self On My Credit Report But I Never Had Self Account Or Anything Like That I Called self they said they was going to look into and send me proof and i never received anything from them, The Stuff They Reporting On My Credit Is Really Taking A Tow On My Credit I Asked That It Be Removed Immediately
Product: Credit reporting or other personal consumer reports

I've requested that all soft inquiries that are 2 years old be removed from my credit report immediately. There is no valid reason for any inquiries that are 2 years old to remain on my report. There is no reason to make this a long term investigation
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Conserve XXXX XXXX XXXX XXXX XXXX Pa XXXX, XXXX Re : Request for Verification of Debt Dear CONSERVE I am writing in response to your Emails dated XX/XX/XXXX, in which you claim that I owe a debt to Conserve in the amount of {$960.00}. Please consider this letter as a formal request for validation of the alleged debt, as provided under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. 

As outlined in the FDCPA, I am entitled to request the following information regarding this debt : The amount of the alleged debt. 
The name of the creditor to whom the debt is owed. 
A detailed statement of the debt, including any interest or fees added. 
A copy of the original agreement or contract that created the debt, if available. 
Documentation proving that you are authorized to collect this debt on behalf of the creditor. 
Any relevant judgment or court order, if applicable. 
Please provide these documents within 4 days of receiving this letter. Until such time as I receive verification of this debt, I request that you cease all collection activities, including any reporting of this debt to credit bureaus. 

If you are unable to provide the necessary validation, I request that you immediately cease further attempts to collect this debt and remove any related information from my credit report, if applicable. 

Please send the requested information to the address listed above. Thank you for your prompt attention to this matter. 

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

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity.
Product: Mortgage

My mortgage was sold to MR Cooper back in XXXX. Followed the instructions for the onboarding process as written. Spend somewhere between an hour or XXXX last year being transferred from person to person making sure my XXXX XXXX XXXX was going to be paid on time. They apologized for all the delays in the onboarding process. Sadly enough it was late. I had to pay it out of my pocket to make sure my coverage stayed in place. This was for coverage last year. This year once again my XXXX XXXX XXXX  has been paid on time. It was due on XX/XX/XXXX. XXXX has lapsed! According to MR Cooper 's website, It states it was paid on XX/XX/XXXX. I was catching up today XX/XX/XXXX and logged onto XXXX website and it shows payment past due. Once again my coverage has lapsed. This is XXXX years in a row!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Global Lending Services is in direct violation of the terms of our XXXX XXXX XXXX. Under the Federal Truth-In-Lending Disclosure Statement, the Prepayment terms states " You have the right to prepay the unpaid balance in full or in part at anytime without penalty. '' Global Lending Services has violated my Federal rights as a consumer. Global Lending Services ignored my requests, thereby denying to accept payment. The company did not acknowledge my request until after involving cfpb, as stated in the response letter provided by XXXX XXXX, XXXX Consumer Complaints Coordinator. XXXX states the company received the inquiry XX/XX/21, however, certified mail receipts indicate they received letters on XX/XX/21, XX/XX/21, and XX/XX/21. 

XXXX. XX/XX/21 - XXXX received my first request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - XXXX received my second request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - 54 days after ignoring my first requests, XXXX receives my request for the vehicle 's title, absent of XXXX as a Lien holder. 
XXXX. XX/XX/21 - XXXX receives cfpb complaint number XXXX for misreporting to credit bureaus. 
XXXX. XX/XX/21 - XXXX composes and sends offer letter without sending the original instrument of debt. 
XXXX. XX/XX/21 - I received a response from XXXX which expired XX/XX/21. 

In addition to ignoring my request for payoff and original instrument of debt, XXXX has provided a questionable contract document. 

XXXX. Hand written text has been added to the " location '' field. 

XXXXAdditional information has been added to the document after I signed. There has not been any contract amendments signed by me and the lender for this contract. 

XXXX. XXXX was originally unable or unwilling to provide information as requested.
Product: Credit card or prepaid card

I received a XXXX credit card from XXXX XXXX around the end of XX/XX/XXXX that I had never applied for. The same day I received a letter in the mail saying there had been an unauthorized purchase on that credit card. Since I had never applied for a XXXX credit card I called XXXX XXXX. I was alarmed when an automated voice asked for the card # and my social. I did not want to give that information over the phone. I thought both were fraudulent and so I shredded them. On XX/XX/XXXX I received an unauthorized purchase in the mail from XXXX and when I checked online it was from an XXXX credit card from XXXX XXXX that I had never applied for. When I called XXXX I was placed on hold and the call was disconnected. I called back and they eventually connected me with XXXX XXXX. XXXX XXXX asked for the card number and I told them I did n't have it because I had never applied for the card and had never even received a physical card. They then put me on hold and the call was disconnected. 
My complaint is that XXXX XXXX is opening credit cards in my name. I am worried that they may open an account to XXXX, XXXX or any other store where I shop without my approval. I have excellent credit, I use several personal credit cards of my choice and do not want to have any additional credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

secured a Reverse MTG in XXXX in XXXX was informed that our ins canceled and forced ins. of XXXX was charged to our acct. and that payment was expected. Telephone calls and faxes to XXXX XXXX, these included letters from our ins. agent and co. showing that our policy had n't expired since beginning in XXXX and that the Ins. CO. TAKES it 's payment electronically monthly. 
WE RECEIVED A CREDIT OF {$800.00} the amount of our ins. I told them a full credit plus expenses should be credited. 
XXXX another letter from XXXX XXXX telling us that {$1200.00} was due and payable by XXXX this was around the difference between what they charged us for ins, and what we paid. called Left message. 
XXXX/XXXX/XXXX another letter stating that unpaid ins. in the amount of XXXX has made the loan due and payable, if not pd. in 30 days. Called RMS XXXX XXXX explained everything, Faxed info to XXXX. XXXX/XXXX/XXXX called XXXX XXXX left message on voicemail " let me know if you received the fax info if you need anything else let me know '' XXXX/XXXX/XXXX spoke with XXXX asked about documents " waiting for confermation from the ins. dept. but we should be all set & receive a rebate ''. 
XXXX/XXXX/XXXX XXXX certified letters from XXXX, XXXX, XXXX XXXX atty. XXXX XXXX. we are still in breach of contract for failure to pay insurance. Faxed XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. Also called XXXX at NH. Banking Dept. Legal Div. 
XXXX at HUD forward written complaint ca n't do anything for me hire an atty. Called XXXX, on line application. Spoke with XXXX at XXXX. Spoke with XXXX @ XXXX go to XXXX Housing Counselor, XXXX at AHEAD Need certified reverse mortgage counselor that would be XXXX. Spoke with XXXX go on line national Consumer Protection Bureau she has had excellent results with them keep her posted she will see this to the end.
Product: Credit reporting or other personal consumer reports

Hard Inquiries XXXX XXXX  XXXX XXXX XX/XX/2026 XXXX XX/XX/2026 XXXX XXXX XXXX XXXX XX/XX/2026 Called Equifax to put alert on my account.
Product: Mortgage

I have been trying since XX/XX/XXXX to do a loan modification with XXXX. On XXXX if XXXX we finally got approved for a loan mod. We were required to make XXXX trial payments reflecting approved amount. Which we did, we actually continued paying that new modified payment for several months. After the three months, all documents were sent to us to get notarized. There was a typo in docs so I requested they re-draw the forms to sign the corrected documents. Flagstar dragged their feet and our file expired because they noted they didnt receive loan docs in time when we were waiting on the to redraw said docs. I would call weekly to check on corrected documents and week after week they told me they were still in process. Until one day our file closed.. 
We were advised to restart the process all over again ( which by this point had taken several months ) so we did. And everything we got close to an approval flagstar would drag their feet again and the file would expire and close because they noted they didnt receive documents needed on time This is completely false. I have emails, and still on the site the days all our document were submitted to them, usually within hours from their request. So we were never late in submitting documents, it was Flagstar never reviewing them on time. And this went on for over 20 months!! We had to restart the loan modification process at least 6 times. We requested the file to be escalated to management several times without any luck or a different outcome. We truly believe, flagstar has and has had ill intentions to not help us resolve our hardship due to COVID 19. And now, they offer us a loan modification that only reduces my monthly payment by {$60.00} a month but adds an additional 15 years to my mortgage making it a 40 year mortgage.. how is that a favorable loan modification??? 
I have tried everything, escalating, speaking to managers, I dont know where else to turn to. We want flagstar to honor the loan modification they approved us for in XXXX, XXXX. Which reduced our payment by more than {$400.00} a month, reduced my interest rate and did not add any additional years to my mortgage. All errors, delays and shortcomings have been by Flagstar. We have acted in good faith, we have been prompt, and diligent with all documents and information we have submitted and yet we stand to be forced to sell our home because flagstar does not have competent personnel or personnel who cares about their customers. Please help.
Product: Credit card

Recently I purchased an item from Williams-Sonoma on-line. Yesterday I received mail telling me I 've been pre-selected for a W-S Visa issued by Barclaycard. I 'm not at all interested ; I already own a Visa card from another financial institution. They offered an opt-out number to stop receiving 'pre-screened '' offers from Barclays and other companies by calling XXXX. When I called, the answering tree message wanted my Social Security number in order to opt out! Even THIS site says not to give out SS # s ( in the instructions ). I 'm angry that in order to NOT receive unwanted solicitations, I need to provide my SS #. This reeks of fraud, or, minimally, unsavory business tactics. Please contact Barclaycard to request they change their demand for a SS # to stop these offers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : Original Creditor : 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 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 have contacted this company on multiple occasions asking them to verify a particular debt that does not belong to me. They repeatedly failed to do so, therefore the debt has been removed from my credit report multiple times and they keep adding it back as a new debt. This is completely inaccurate and proves that this company lacks integrity, honesty & credibility.
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 XXXXXXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

Received no communication from this organization. In accordance with FDCPA I should have had the opportunity to dispute. Was not give that chance debt just appeared on my credit report as collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Transunion via certified mail with USPS tracking Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED TRANSUNION SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

TRANSUNION FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO TRANSUNION.