23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from 2011 on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Product: Mortgage

I took a mortgage on an investment home I own in XXXX XXXX, FL    from a local bank in Colorado  called Simmons Bank ( XX/XX/2018 ). Simmons Bank agreed verbally and in writing ( by email ) to issue the mortgage loan without hurricane insurance and has acknowledged this several times also by email ( see attachment ). 

However, Simmons subsequently ( within months ) sold the loan to XXXX. It appears in retrospect that Simmons was concurrently planning to sell the loan while originating it ( without disclosing this fact ). The mortgage broker was aware that an important reason for working with Simmons was my understanding that they would hold the loan in house ( as they had for my principal residence in CO  ). 

XXXX is now demanding that I pay for hurricane insurance, which is approximately {$20000.00} per year. Without hurricane insurance, pursuant to the closing disclosures provided by Simmons, the estimated taxes and insurance were listed as {$1400.00}. Therefore, hurricane insurance would more than double my total tax and insurance liability. The mortgage has a 30 year term, so the damages are substantial. It is also very important to note that I would not have qualified for the loan if the requirement for hurricane insurance had been included in the loan terms from the start. See attached email where the mortgage broker calculates I have a DTI of 44 % WITHOUT hurricane insurance. If this is not resolved, I will have to sell the property, which would be a significant loss for me.
Product: Student loan

My mother has been making payments under the Rate Deduction Program for 96 % principal and 4 % interest from XX/XX/XXXX- XX/XX/XXXX with Navient and I just recently received a statement in the mail for past payments and the rate reduction program was not applied to ANY of the payments made from my student loan for ANY year and for the first three years of interest only payments XX/XX/XXXX-XX/XX/XXXX. Recently, I also spoke to someone by the name of " XXXX '' and she verbally told me that I was not able to apply my payments the way I wish, that I was to pay off all the interest first before I could see any of the principal being payed off. I 've attached some documents of the past payments from XX/XX/XXXX to XX/XX/XXXX and someone by the name of XXXX XXXX that set up the Rate Reduction Program for the years XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX years ( however, it was set up for XX/XX/XXXX-XX/XX/XXXX ). I would like to know if I can join this lawsuit or if I need a lawyer on my own. I request some restitution for the payments on the student loan for these years and correct the previous payments made.
Product: Checking or savings account

Fraudulent checking accounts opened in my name with TD Bank. Accounts were closed upon my discovering the accounts due to a mailed notification. Local law enforcement complaint was filed where law enforcement stated to me that information was not sufficient for prosecution. 

TD Bank recommended that I purchase XXXX XXXX. The form of identity theft that was propagated does not involve credit reports for Banks that do not exercise due diligence under the XXXX XXXX. 

TD Bank has an online account opening process that is a danger to citizens of the XXXX in propagating Identity Theft activities. 

The harm that I have been predisposed to is not measurable except that TD Bank be required to reveal all details of how XXXX Checking accounts were opened in my name along with the forms of identification that were used to open the accounts.
Product: Credit card

Hello, I had a credit card with Wells Fargo. Many years ago, it was closed by WF and I entered into a repayment plan in XXXX of 2011 with the understanding that they would draft {$52.00} from my account on the XXXX of every month until it is paid off. This year, in XXXX, they did not draft the payment. I received a late payment on my credit score which caused a significant drop in my credit score. I called and found that they stopped drafting it because I only owed {$8.00} and insurance which they needed to waive. I paid the {$8.00} promptly and asked to have the late payments removed from my credit reports. A month later, I received a notice that they had reported the information accurately and will not be removing the late payment. I do not think this is fair seeing that I did not stop the payment on my end. When I signed up for the repayment, the understanding was that it would draft until the account was paid off. The money was in my account at the time and should have been paid off. 

I worked with XXXX, a team lead in collections there. Her phone number is XXXX. Is this legal?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX Flagged my account as a charge off. So I reached out to them requesting for a 1099 so I can file that as an income, but they have not made any effort in sending the requested document.
Product: Debt collection

As of XX/XX/XXXX. Received Court Summons, stating we are being sued by Chapman Financial Services. They have filed lawsuit against us for 3 accounts under the same Creditor for medical services provided. 1st account occurred XX/XX/XXXX in the amount of {$580.00} plus {$130.00} interest. 2nd account occurred XX/XX/XXXX in the amount of {$1400.00} plus {$330.00} interest. 3rd account occurred XX/XX/XXXX in the amount of {$250.00} plus {$60.00}. 

We have never received any notice of such collection debt from the company. Nor has the company attempted to contact us in any form, from the time of such debt occurred till this date of XX/XX/XXXX. ( 924 days ) Which goes against the Fair Debt Collection Practices Act, in which they must provide us with the option to verify and dispute such debt. 

We were never given the opportunity to dispute the debt, in which we would have fully disputed the amount as we have already settled this account with the creditor. 

Such debt was also never reported to any of the credit bureaus, therefore in a case we considered non contactable. We would have been able to identify such debt and taken action to dispute before any legal actions would be taken.
Product: Mortgage

i have had my mortgage for 7 years the last few months have be tough and i have had to use my grace period to make the payments. 21st mortgage corp will start calling and email both myself and the other person on the mortgage within the first day or so of entering the grace period. although we have spoken and responded to emails many many times that continue to call and email both of us an average of 4 times a day monday through friday. i have never missed a payment in 7 years and yet that call and email threatening to foreclose on us simply because we are in the grace period of our loan. all threats of foreclosure are made verbally. they will not send documentation. we have asked on several occasions that 21st mortgage corp stop harassing us as we always pay our mortgage and since then they now have 3 different people calling us on a daily basis. in addition to their constant phone calls and emails my father passed away last month and i had to travel out of state to handle his affairs. 21st mortgage corp showed no empathy toward my loss and simply told me they couldnt and wouldnt help work with me on the payment.
Product: Credit card

On XXXX XXXX, 2024, amazon charged my XXXX card for these XXXX transactions. 

On XX/XX/XXXX I shipped both order in one packages in return to amazon On XX/XX/XXXX Amazon notified me that they received the return but only refunded me for one of the order in the amount of {$1000.00} As time past by I decided to reach out to chase for help but after numerous attempt. i was declined. I hope this message can help chase start a dispute on this transaction, I've also attached the email where amaozn notified they received the packages but despite shipping both order return in one package they only refunded me with the cheaper order. I want to kindly request chase to contact amazon on my behalf to check on this return as both order suppose to be in the package that they claim to received and amazon and chase have not been helpful so far. Thank you Transaction : Amazon.comXXXX {$1000.00} Amazon.comXXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report. that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 
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: Checking or savings account

I recently opened an online checking account with Truist. I set up online access, requested debit card, and funded my account. This morning, I woke up to my online access being blocked for security purposes. I received no correspondence from Truist regarding this matter. I need access to my online account and funds with restrictions lifted right away.
Product: Credit card or prepaid card

credit card company is Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX, first card payment, i enrolled and payed on time using my bank institute which normally takes 2-3 business day, wrong it take them 1.5 weeks to process payment then was XXXXXXXX XXXX  charges returned fee charges late fee charges and because FS takes to long in processing. i explain that i have lots of movement in my checking account and if there is a way to pay more rapidly, the gave me a XXXX number which is noted above, same thing i pay and it get process late this card does not operate like other, this milestone acct does not accept debit card payment over the phone or online. its so difficult wo pay on time when they take 1 week and a half to note the account by than its already late i cant imagine how many others are experience the same as i do. please help
Product: Mortgage

lender put me on forbearance till end of XXXX, XXXX. i asked about a flex modification with XXXX XXXX and the amounts and figures were scary and they put the flex mod through and ended forbearance without letting ne know this would happen. now i dont have any options with any repayment plans anymore when i was told at end of forbearance i would be able to defer the 6 months back fault and now without a signature or verbal agreement they changed my loan with no other options but foreclosure when i kept in communication throughout. they ended forbearance without discussing anything with ne. i had a covid hardship and am able to do monthly payments but the amount owed is now due now or they proceed in foreclosure when the whole time i was telling them the financial situation and end of forbearance can and wanted deferral. 
i asked about the flex modify not to proceed with it when i have clue why the amounts are so high and no explaining again. My loan was changed completely with out my agreement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, these entries were created fraudulently without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for your prompt attention in removing these items from my credit file. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

Did not receive any information from one mortgage company ( XXXX XXXX ) that they were being bought out by another mortgage company ( RoundPoint ). Not only have I been dealing with inept personnel from XXXX XXXX XXXX XXXX, but the issue is now haunting me once again with this new Mortgage Co. ( RoundPoint ). With every piece of evidence I have in making a payment by check, to include the image of the front of the check, the back of the check, and the " stamp code '' of the check that I received by bank, the issue is still going on. It 's been a year where I had to battle back and forth with XXXX about how I have all the proof needed for a payment I made that they had lost, and will not own up to their mistake. After countless phone calls, aggravation, and XXXX I had to live through ( and clearly just found out I still am ), I thought this issue was finally fixed. Not only was the issue NOT corrected, but now RoundPoint is starting this nightmare all over again. To add, XXXX XXXX dropped my credit score on 3 different occasions and I had to fight, endlessly, for months to make them put my credit score back to where it rightfully belongs because they could not fix a problem all while I had supported every piece of evidence any would need to realize I was not at fault for a payment they lost in their " processing center. '' To include emails, names, check numbers and amounts with dates, images of the checks and stamp-code for the check. I 'm a veteran XXXX, a XXXX XXXX XXXX, and now that it is XXXX XXXX, 2016 I will, yet again, be contacting the new mortgage lender ( RoundPoint ) to start from square one about an issue that should never had existed in the first place AND to fight to keep my credit at XXXX where it rightfully belongs. This is a major issue that needs resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself.

I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
Product: Student loan

In XX/XX/XXXX, I needed a loan to enroll in XXXX University 's XXXX XXXX. Because I was a XXXX  student, I could not receive a loan from the federal government. So, I had to apply for a private loan. I was in a desperate situation. I needed financial aid in order to start classes. Sallie Mae approved me for a loan of {$25000.00} at 10.500 %, out of this amount I ONLY used {$6400.00}. Currently my balance is {$7200.00}. I have tried to re-negoiate this loan to lower the interest rate, and Sallie Mae refuses to allow me this option. In addition, they will not allow me to apply for a forebearance or any type of payment deferment. The interest on this loan is too high, and unfair to me especially when we're in a pandemic and lenders are providing customers with loan deferments or refi options, and I'm not working. My first payment on this loans is in XXXX. This loan won't be paid off until XX/XX/XXXX. I believe Sallie Mae is an unfair lender and using their power to unjustly take advantage of struggling students.
Product: Debt collection

I have disputed the Diversified Consultants Account with XXXX and with Diversified Consultants. XXXX stated that Diversified Consultants verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered the presence of variations of my name that are incorrect and potentially damaging to my creditworthiness. The inaccurate variations include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you rectify this situation promptly by removing any names on my credit report that deviate from my full and legal name, XXXX XXXX XXXX. Failure to do so not only constitutes a violation of the FCRA but also exposes Experian to potential legal action. 

The FCRA, under Section 1681s-2 ( a ) ( 1 ) ( A ), requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. The inclusion of incorrect variations of my name is a clear violation of this provision! 

I am requesting the following actions : Immediate removal of all incorrect variations of my name from my credit report mentioned above. 
Confirmation, in writing, that my credit report now accurately reflects only my full and legal name, XXXX XXXX XXXX. 

A free copy of my updated credit report sent to my address once the corrections have been made.

Please be advised that if these corrections are not made within 30 days from the date of this letter, I reserve the right to pursue legal action for violations of the FCRA. This may include seeking damages for any harm caused to my creditworthiness as a result of the inaccurate information. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this issue. You can contact by mail at XXXX XXXX XXXX XXXX XXXX MO XXXX to communicate any updates or to request further information. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have no legal binding contract with Columbia Debt Recovery. They are harrasing me for money I do not owe to them. They are sending me a contract that do not have my wet signature and it do not states I owe any money to Columbia Debt Recovery. They are furnishing data on my consumer reporting stating I owe THEM ( Columbia Debt Recovery ) XXXX.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Crypto.com about the lack of care and safety measures on my account, which resulted in substantial losses. 

Please see the attached PDF file containing all relevant documents and evidence.