23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account Request for Debt Validation Under 15 U.S.C. 1692g Re : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Dear Sir or Madam, I am writing to formally dispute a collection account that appears on my TransUnion credit report. I am requesting that TransUnion investigate this account and verify its validity, in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which gives me the right to request validation of the debt being reported. 

Items in Dispute : Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount Reported : {$780.00} Legal Basis for Dispute 15 U.S.C. 1692g ( FDCPA ) : Under 15 U.S.C. 1692g, I have the legal right to request validation of any debt reported by a debt collector. The debt collector must provide proof that : The debt is legitimate and belongs to me. 
The amount of the debt is correct. 
The debt collector has the legal right to collect this debt. 
I have not received proper validation of this debt, and therefore, I am requesting that TransUnion investigate this entry, and if the debt can not be properly validated, the entry should be removed from my credit report. According to the FDCPA, if the collection agency can not provide sufficient validation, the debt should not appear on my credit report. 

Request for Action : In accordance with 15 U.S.C. 1692g, I request that TransUnion : Verify the accuracy of the collection entry listed on my credit report. 
Contact the debt collector to obtain the necessary documentation to validate the debt. 
Remove the collection from my credit report if the debt can not be validated or if the debt collector fails to provide sufficient evidence of the debts legitimacy.
Product: Credit card

Money that was supposed to be transferred into my account from XXXX XXXX  did not post as expected causing me to spend money that wasnt there which resolved my account to go into over draft fee. Also, charges were taking more time than usual to post to my account. I would think that I have a certain amount of money but I check the account it doesnt add up.
Product: Mortgage

Received false, deceptive as for refinance mortgage rate 1.9apr from lending tree No credit pull I submitted my infor - my credit was pulled and no offer met their promise This was a plot to collect and sell my information
Product: Credit card or prepaid card

My XX/XX/2020 Macys statement contained a purchase, dated XX/XX/XXXX, under a fraudulent name ( " XXXX, '' not my first name ). Card was always in my possession ; I was not in the store since early spring. 

The fraudulent charge continued on my XX/XX/XXXX statement + a late fee + interest XXXX {$540.00} XXXX. 

XX/XX/XXXX and XX/XX/XXXX letters to me from Macys noted that they were beginning a fraud investigation and would suspend the disputed charges. 

My XX/XX/XXXX statement showed the reappeared charge as {$560.00}. 

My XX/XX/XXXX statement showed that the charges had been suspended. 

A letter to me from Macys, dated XX/XX/XXXX, refused my claim. 

My XX/XX/XXXX statement showed the charge was back less the late fee and the interest : {$500.00}. 

My XXXX statement shows the disputed charge still there : {$510.00}.
Product: Credit card or prepaid card

A wells fargo credit card is affected my credit. I HAVE NEVER HAD A CREDIT CARD IN MY LIFE. That card belongs to my mother. I want this off my report now. This is wrong and inhumane. I feel I'm treated this way because of my race. This is wrong
Product: Checking or savings account

I have been charged twice in the same month XXXX XXXX $ XXXX $ by XXXX XXXX  i called them about it and did not want to look into it or refund me so i got a hold of my credit card issuers that is cash app and filed a despute and still did not look into me getting charged twice in the same month it said due to my account canceled please look into this and help them relize that its robbery
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


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

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus maXXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit card

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Checking or savings account

On XX/XX/XXXX, {$560.00} of available funds were in my checking account with SunTrust Bank. These funds were frozen and the account was closed. Through multiple phone calls and meetings with the branch manager, I was advised that even though the account was closed, the funds were unavailable to me and would not be available for up to 14 business days. This is completely unreasonable ; I have bills and rent to pay and holding on to funds that were deposited from my employer puts me in a major hard place. I have accounts with other banks and have never had anything even remotely close to this happen before.
Product: Debt collection

This company has still refused to revert the tickets back to the city of XXXX. I have tried to resolve this on multiple occasions but they have been deceitful. Contacting the city of XXXX finance department I am told that Mintex has to revert the accounts back to the city of XXXX.
Product: Credit reporting or other personal consumer reports

I believe that this account is inaccurate because this account was paid in full all rent was paid when I left I do not owe anything, I was not properly notified, the debt was not validated, and a least was not acceptable verification, because I did stay there but never received any itemize statement of WHAT THEY ARE CLAIMING nor did I receive any court documents or even went to court for this matter. Under the FCRA, inaccurate or unverifiable information must be corrected or deleted from my credit file.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX MOHELAXXXX - XXXX updated my loan balance on my credit report. As of XXXX XXXX XXXX MOHELAXXXX - XXXX updated loan balance again. The name of the lender MOHELA shows a different department therefore doubling my student loans therefore lowering my XXXX XXXX significantly! This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Mortgage

I purchased a home in XX/XX/XXXX which was appraised at $ XXXX. 

In XX/XX/XXXX, I was aggressively pressured into a refinance by my lender, Nationstar/Mr. Cooper. At the time of the refinance the loan was at approximately 81 % LTV, and I disputed the inclusion of PMI. Before signing off on the refinance, I was verbally assured by a supervisor in the PMI department, XXXX XXXX, that after making 2-3 payments on the refinanced loan, it would be below the 80 % threshold and I could call in to have the PMI removed. 

I made the 2-3 payments in early XX/XX/XXXXXX/XX/XXXXand called Nationstar/Mr. Cooper to have the PMI removed. Because the property is now occupied as a tenant and the refinance was classified as a " tenant owned '' property, I was then informed that LTV needed to be at 65 %. No one had informed me of this prior to the refinance. XXXX XXXX claimed it was a new criteria. 

Fine. I have continued paying PMI for nearly two years. I called in a few weeks ago and paid to have an appraisal done. The appraisal came back at $ XXXX ( which I feel is low ). Regardless, the loan balance is $ XXXX, putting me at 62 % LTV.

Nationstar/Mr. Cooper STILL refuses to remove the PMI " Because the loan is less than 2 years old. '' The loan is not less than 2 years old. It is 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX  is the only one that has removed this account from my credit report, Equifax and XXXX have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
Product: Debt collection

So I lost my job during Covid so o reached out to this company macys about this so that I would accumulate interest on this account. I owed a total of XXXX dollars on this account. Now the bill is XXXX which mean XXXX hundreds of that is interest. I am still not working at this time but I was able to get my hands on XXXX dollars that I tried to settle with them. And they denied the settlement. I am still not working and barely being able to cover the bills at home to keep a roof over my head still with Covid going on. They continue to call me even when I tried to settle this account.
Product: Credit card or prepaid card

Ref. : Company : PAYPAL CREDIT/SYNCB ( Synchrony Bank ) Address : XXXX XXXX XXXX, XXXX, PA XXXX Account holder name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Payment amount : {$2500.00} Dear CFPB Repr. 
On XX/XX/ I sent XXXX XXXX official bank check with USPS registered mail to the company with payment coupon. Please see attached, payment coupon, USPS receipt and copy of the check attached. The Check was received by company on XXXX XXXX XXXX please see USPS tracking screenshot attached. On XX/XX/ I submitted lost check dispute with the company and spoke with representatives several time about lost check. Today I received email from my bank, XXXX XXXX that check was returned by company to them because Synchrony bank hey were unable to locate the account which is very strange after all. My bank will be reissuing check and sending it but meanwhile I strongly believe Synchrony bank should waive all the interest charges and fees associated with none payment because it was clearly their fault and they did admit on the phone when I spoke with managers on XX/XX/ Manager name XXXX XXXX XXXX XXXX that it was computer glitch. 
Please let me know if you need any additional information. 
Thanks, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a XXXX XXXX sofa. On XX/XX/XXXX, I returned sofa back to the store -- at first I was told that I couldn't return sofa. I then contacted Headquarter regarding the matter explaining the issue and after that XXXX  XXXX  ( XXXX  ) of XXXX, SC manager called me saying that I can return sofa -- which I did. 

Forever reason, credit was not issued to Comenity Bank ( CB ), and CB is harassing me for payment. I explained to CB that sofa was returned, to get in touch with XXXX. My guess is that CB and XXXX is not communicating with each other. I have received numerous text message, letters, and phone calls -- I asked CB to stop contacting me and to deal with XXXX  -- but they are still contacting me. On several occasions I have been in contact with BL 's store manager, who stated to me that he is not obligated to talk with CB. 

I received a letter dated XX/XX/XXXX, stating to allow 90 days to complete their investigation. All the while I was in touch with CB and XXXX  trying to settle this matter. During that time I was also receiving phone calls and text messages to get in touch with them about my past due. I asked them to stop contacting me because I had sent documents showing that sofa was returned. Again, I received a letter dated XX/XX/XXXX stating that according to the return receipt, a credit was issued to me as a " gift '' card, and not to their account. To my understanding I was told that if I wanted to purchase any thing else -- which I said I would not be purchasing anything else because if I had problem with that sofa, it could happen again -- I just don't trust them any more. I repeatedly said to CB and all the customer representatives that I had no intentions on using the XXXX  Credit Cart ( not a " Gift '' Card ). 

On XX/XX/XXXX, I spoked with a XXXX  specialist, explained things to him. He advised me to return the XXXX Credit Card back to the store -- which I did that same day -- he also said that if store XXXX did not accept XXXX Credit card, that he would contact the District Manager. I explained to store manager what the specialist had said. I asked him if he needs to know who I spoked with -- he said no. Manager stated to me that he was unable to issue credit back to card, that an error occurred. The same day, XX/XX/XXXX, I call back with no success. The next day, XX/XX/XXXX, I got a different representative, I explained things to her as well. The representative asked me to give her the XXXX Credit Card -- which I did and she stated to me that she would give it to their accounting office and to get back in touch by today, XX/XX/XXXX. I did call and spoked with another saying that the 30 days policy has expired to return sofa. 

There is no question about date of purchase and date of returned. XXXX knew all of this -- and with their approval, sofa was returned. Now CB and XXXX  want me to pay ( {$1000.00} ) for something that I don't have. I don't have that kind of money to pay for something that I no longer. 

Unable to load documents -- will mail
Product: Credit reporting or other personal consumer reports

Your Company is reporting several accounts that are inaccurate on my consumer report. I have sent in several disputes pointing out the inaccurate information. When a consumer report has inaccurate information reporting, the credit reporting agency is supposed to investigate the dispute and delete all unverified and inaccurate immediately. This did not happen. This is a violation of the FCRA. If these accounts that I am disputing are not " deleted immediately, '' I will be seeking remedy for damages under the FCRA.
Product: Credit card

ATLAS bank offers a credit card to people with no or low credit. It is advertised as a credit card with XXXX % APR and up to a XXXX XXXXXXXX sign up bonus that is the exact phrasing which is important for later, along with other standard credit card features like up to 25 % cash back. Upon applying for the card I was given a {$50.00} line of credit. This is an extremely low line of credit, I was recently approved for {$1500.00} by a different creditor. There is a monthly fee of {$9.00} making the credit line effectively over 200 % interest rate since the credit lines they offer are so low. Additionally, in order to be eligible for their sign up bonus they require you to spend the entire {$50.00} and pay it off once a week for several weeks. Each time you are entered into a drawing to receive account credits. There is no cash on the table and you are required to complete additional actions to receive the bonus so it is not a sign up bonus as advertised. Even worse, they charge the first months payment the instant the account is opened not after the first month which is not standard for credit accounts with fees. I clicked a button on the website to close my account and they emailed me to try to force me to confirm by email that I wanted it closed and when it went to junk they closed the case after only a few hours leaving my account open. Thankfully I saw the email in my junk folder. When I reached out to support I asked them to close my account and stated that I believe the actions are predatory and false advertisement to which they responded by asking me to leave a positive review despite what I said. They also said I will still be responsible for paying that fee despite having immediately closed the account upon realizing what it is, literally within minutes of it being opened and before using any credit. This account was advertised as a credit card not a credit building subscription. This is a blatant scam to steal money from vulnerable people with low credit scores.
Product: Mortgage

On XX/XX/2021 my closing attorney reached out to STATE Home Mortgage, for my final payoff quote for my mortgage. 
This being due to the fact that I recently was selling my home and the loan was going to be paid off in full. 
The payoff request was faxed to the fax number notated on State Home Mortgage 's website. 
Upon checking back with the attorney to see whether she had received the pay off quote, she told me no. She had not received any correspondence yet, as to the request. 
I proceeded to contact State Home Mortgage myself, to find out what the status was on my attorney receiving the payoff quote. 
They then proceeded to inform me that it needed to be emailed, that they did not receive anything. 
Upon receiving the payoff quote back within my HUD settlement agreement, it was quoted that I owe a total of {$24000.00} for my first loan and {$7500.00} for my second loan. This grand total equaling {$32000.00}. Please see attached documents I have also attached the payoff information that was forwarded to the attorney. 
Upon conducting my closing, the transaction was closed and everything was finalized. All monies were disbursed according to the HUD statement. 
A week later my attorney called me back informing me that my mortgage company contacted them and the payoff quote they provided was short by {$100000.00}. 
The correct amount upon receiving the new payoff quote was {$95000.00}. 
The amount in which this payoff quote was off is totally unacceptable. 
It was a week before this situation was brought to my attention, after I continuously called to check and see if the payoff payments were applied to my account. 
I could have spent the money, bought another house, I would then be sued for the remaining balance from the people who bought the home. 
The title would no longer be free and clear. 
This situation created a major hardship for me and was handled in a very negligent way. 
I have reached out to the Manager at the payoff department and asked that disciplinary measures be taken on this employee for this negligence. She should no longer be able to continue to serve in the capacity in which she serves. 
I asked the manager who's name is XXXX XXXX, what the person 's name is who requested the original payoff quote. She did not inform me of her name. 
There is only a signature on the payoff information that was sent to my attorney. I believe her name is XXXX XXXX. 
This matter needs to be tended to, to where this type of careless mistake does not happen again. 
When you are dealing with something as serious in nature as high dollar mortgage payoffs, the individuals in these positions should be thoroughly trained ; to know how to properly carry out this type of major transaction. 
Your attention to this matter is urgently needed.
Product: Debt collection

Account was in XXXX XXXX ..XXXX  XXXX was discharged.Popped up in XXXX for as a new reaccuring missed payment in collections.Misrepresentation ( dates in credit prepare current XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisexis has quoted information to an auto insurance company that is false showing another 's persons name on my records and accidents that were in cars I never owned Also, they have credit reports that have another persons name, inquorate information on the report. 50 % false information from fraudulent files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have not fixed any of the inaccurate information on my report sent all doc 's and all the information they requested
Product: Credit reporting or other personal consumer reports

Formal Complaint for Failure to Conduct a Proper Investigation and Request for Re-Investigation Dear CFPB Representative, I am writing to formally lodge a complaint regarding the failure of the credit bureaus to conduct a proper investigation of the disputed accounts on my credit report. This complaint pertains to the lack of adherence to the Fair Credit Reporting Act ( FCRA ) by the credit bureaus in question. 

On XX/XX/year>, I submitted a dispute regarding the following accounts : I completely disagree with the response from your investigation. The following incorrect items, which I have listed below, still remain on my credit report even after your investigation. I request that you re-investigate these items immediately and provide a valid reason for them. These inaccuracies are causing significant harm to my credit rating. 


1. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXXXXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. Other information I would like changed XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

The credit bureaus responded with a stall letter and simply verified the accounts without conducting a thorough investigation as required under the FCRA. I am formally requesting the method of verification and specific details on how the verification was conducted, including the names and contact information of individuals involved in the process. 

The response from the credit bureaus constitutes a violation of their obligation under the FCRA to conduct a proper investigation. As such, I am requesting a re-investigation of the disputed accounts. The FCRA mandates that credit bureaus investigate disputed information and provide a detailed response regarding their findings. Failure to do so is a clear violation of my rights under the FCRA. 

If the credit bureaus ignore this request or fail to conduct a proper re-investigation, they will be in further violation of the FCRA, and I will seek appropriate remedies and compensation for these violations. 

I expect prompt and thorough action on this matter. Please ensure that the credit bureaus fulfill their legal obligations and provide the necessary documentation and details regarding the investigation of my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.