23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is with Prospect Mortgage XXXX Az. Poor service they have told me 3 times when I was going to close, right before I close they call and tell me to send documents that I have already sent or tell me something additional I need to send. The ladies who work there are rude and disorganized. I was supposed to close Monday XXXX XXXX I went to the bank and got my closing money and last night Friday XXXX XXXX my realtor calls me and tells me that Prospect called and said the docs are not ready again. All of these delays have cost me money with additional rent payments and turning gas and electric on again. My health has suffered from all of the stress they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation request letter to NelNet in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.
Product: Credit card

Bank of America approved me a new credit card. Once I received the plastic via postal mail, I tried to activate it using the options they provide. Those are : their internet page, mobile app, or phone call. 

When the internet page and the app wont let me activate the card, I tried calling. They informed me that the account is blocked and that I need to go personally to a service center or use the app. 

First, the app dont open because I am a new customer and the information they request is the one of the new card that they had blocked. 

Second, I cant go to a service center because there are no service centers in XXXX XXXX. They approved this card knowing that is not an option for me. 

Since they alleged this are the only ways to resolve the block and activate the card, and is not possible to do any of them, I ask for the cancellation of the credit line and to actualice of my credit information. 

They told me they cant cancel the credit card because the account is block and I need to go to the app or to a service center. Once again options I already told them are not possible for me. 

They transfer me to different call centers and they were unable to give a different solution. 

All those conversations were recorded. Both in XXXX and in XXXX.
Product: Credit reporting or other personal consumer reports

It addresses listed that Im not familiar with Z the address that recent is XXXX XXXX XXXX And The Recent One From XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed with each bureau on XX/XX/2022, but they did not remove these items. 

Sec. 602 States I have a right to privacy. 

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

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXK, NY XXXX Incorrect Previous Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Incorrect DOB - XXXX  As per the FTC and FCRA laws and regulations, any inaccurate and outdated information must be immediately deleted from my credit report as it is not reportable under the FCRA since it is incorrect. The only personal information that should be reported on my credit report includes : My Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX My Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX XXXX ... XXXX .... XXXX ... .. The following accounts have been incorrectly reported. 

XXXX not ending in XXXX - There is a social security number variation that looks like XXXX or something. That is NOT correct or mine, and can explain why the following items below are listed. 

XXXX XXXX XXXX XXXX charged off account ) - This charged off account is not mine and needs to be removed immediately. My ex-spurse XXXX XXXX added my name without my permission and signed my name as a co-signer. 

XXXX - This account had unauthorized charges and I had them close it, this should be removed and a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation to request the REMOVAL OF EXTENDED FRAUD ALERT/FRAUD ALERT from my credit profile and report
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 A XXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Student loan

I was told that if my daughter paid her loans on time for 2 years I could be released as a co signer on 2 loans. She has never been late on a payment and has a credit rating in the XXXX 's. She is paid ahead on her Federal Loans up to 2018. RISLA claims her credit is n't good enough because they do n't count her student loans as part of her credit report. This is not what is stated on any application to RISLA so how can they change our agreement like this?
Product: Debt collection

I called the collection agency on Wednesday XX/XX/2021. I asked them what it was for and they stated that it was for a XXXX electricity bill. I told them that the amount was not {$330.00}. I have proof that the amount should only be {$290.00}. They sent me a letter stating that the amount XXXX sent to collections was {$330.00}. By doing so they are hereby violating the FDCPA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX & XXXX 2019 XXXX XXXX XXXX XXXX XXXX overcharged my credit card. The total amount originally was {$93.00} I immediately contacted them and instead of correcting the mistake that they made they debated it with me for a week and would not budge they took money from my credit card and then gave me a credit for the balance {$17.00} with an expiration date and without asking me my preference and or permission, XXXX automatically applied the credit to my XXXX account instead of sending the credit back where they took it from in the first place, which was my credit card. 
I then called my credit card companies Disputes Department to dispute the transaction and they instead of protecting me sided with the merchant. 

I am a Furious!! please see the attached a screenshots to give proof as to my claim. 

Spoke to : Supervisors @ PayPal Business debit Mastsercharge Resolutions Dept. 
( XXXX XXXX ) & XXXX XXXX XXXX ) XXXX Called XXXX, PayPal XXXX XXXX XXXX got no help resolving my {$17.00} adjustment. 
XXXX XXXX You don't get to take money from people and then not give it back the way you took it that is fraud and outright fever and unacceptable I want my money back on my credit card plus something for my trouble sis been a complete nightmare counterproductive and I don't appreciate this egregious mistreatment!!
Product: Debt collection

I am a cosigner for my son 's student loan and he is 21 days past due with AES. They repeatedly call my daughter regarding this debt. She only has a cell phone and they call her during working hours. I requested they stop harassing her and stop using her number but they say as long as the payment is due they will call her.
Product: Credit card

I applied during XXXX 2016 for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} introductory fee for the first year, then {$95.00}. I received a statement charging the annual fee for {$95.00}. Chase needs to do a review of all their online offers, because they all continue to offer the {$0.00} introductory fee on Visa cards. It is impossible to believe that my online offer is different from the rest. Attached is the pricing and term for my Visa card.
Product: Credit card

Tried to file a dispute. 
XXXX XXXX XXXX propertyrec {$20.00} up charge junk fee. Dont want their service.
Product: Credit reporting

Several aspects to report : 1. I asked Equifax for my annual credit report through annual credit report website. Sent copies of my social and lease along. Got a letter from Equifax later, asking my copies again, and MY NAME WAS SPELLED WRONG on the letter. 

2. I sent the copies to Equifax again. Waited for more than two weeks. NO RESPONSE. 

3. I called Equifax, reporting the fact that I have n't received my annual report, and I found the wrong information regarding my name and a collection. XXXX, the agent, told me that their system was down and asked me to call back at XXXX. She promised they 'll be available until XXXX. I called at XXXX, only found out the operation time is XXXX to XXXX. Obviously, SHE LIED. 

I had the most horrible experience with Equifax. I ca n't believe they have the access to my personal and financial information. I hope there 's a way that I could stop dealing with this unprofessional and unethical company.
Product: Credit reporting or other personal consumer reports

I have filed disputes in regards to XXXX and they are refusing to delete this account or close this account and rmove the late payments per FCRA.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX XXXXXXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX  Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Debt collection

The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$22000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$26000.00} Late Payment XXXX XXXX XXXX  XXXX - {$24000.00} XXXX XXXX  XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is providing late payment information. In accordance with 15 usc 1666b, XXXX has violated privacy and consent reporting this information in it's report
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. 

XXXX : Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX  : Account # XXXX Navient : Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX auto : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account # XXXX XXXX XXXX ( original XXXX XXXX ) : Account XXXX XXXX XXXX ( original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) : Account 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 an account without my written instructions.

THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Conditional Acceptance Letter XXXX XXXX To Whom It May Concern, I agree to pay the following financial obligation regarding student loan account in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent and requested for you deliver to me the following : *Provide validation of the debt, that is, production of account and the general ledger statement. 
*Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX and XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' *A statement admitting whether you are the holder in due course or whether you are a servicer. 
*A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
*The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
*The CUSIP number under which my loan was securitized to. 
*|Make available for visual inspection my original wet ink promissory note ( not a digitalized or photocopy version ). 
Please provide the above and If you are unable to provide this proof as I have requested within 15 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ) By law, all collection activities must cease until this matter is resolved. Blatant disregard for this law is subject to fines by the FTC. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX, XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved