23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nc, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Southern New Hampshire university XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the claim for Civil XXXX civil liability for negligence and non-compliance referenced in the notice sent to me on. I believe this claim to be unjustified and request a thorough review of the circumstances leading to the alleged liability. I request that this matter be reviewed and that the claim of Civil XXXX liability be dismissed in light of the facts presented. Should you require any additional information or documentation, I am happy to provide it.Please confirm receipt of this letter and notify me of the next steps in resolving this dispute. I look forward to a prompt and fair resolution. 

Thank you for your attention to this matter.
Product: Mortgage

I have two mortgages with Truist, ( 1 ) my residence and ( 2 ) my rental apartment. Truist claims there is some kind of problem with insurance covering these mortgages.

I would like Truist : 1. To confirm that the insurance policy for the rental has been processed and I will not be asked
to pay lender-placed coverage.

2. To put the rental mortgage on XXXX so I can check myself the status of insurance coverage of my mortgages. 

In early XXXX I received a letter in the mail from Truist that my insurance policy had expired on the rental mortgage, and that if this was not correct, I needed to upload the information to XXXX When I logged into the website, only my home mortgage was listed, not my rental mortgage. I emailed ( 1 ) the insurance policy information to their website XXXX, and ( XXXX ) also asking them to put the condo mortgage on XXXX 

On XX/XX/year>, I received two emails from XXXX, the first stating they received my insurance documents, the second that they had processed them successfully. They do not identify which mortgage, I assume it is for the rental mortgage. 

On XX/XX/year>, I received a third email from XXXX that the documents had not been processed successful. Again, they dont identify which mortgage. On XX/XX/XXXX, when I log into XXXX the rental mortage still does not show up ; so I can not verify whether the earlier emails confirming the documents have been processed or not. Also I call their customer service number at XXXX. I can not get reach a person to clarify the situation without indicating which mortgage has a problem. This is ridiculous.

I would like Truist : 1. To confirm that the insurance policy for the rental has been processed and I will not be asked to pay lender-placed coverage. 
XXXX. To put the rental mortgage on XXXX so I can check myself the status of insurance coverage of my mortgages. 

I am writing to CFPB because I have had these kinds of problems with Truist before, and I want independent documentation that THEY are the problem, not me. My properties have the correct insurance policies, it is their processing and poor website management that is the problem.
Product: Credit card or prepaid card

My name is XXXX XXXX, i applied for unemployment benefit since 2020 but i'm yet to receive my card from bank of america please kindly assist me in order to recieve my card at this point in time now i need urgent money for a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX  ( XXXX ) was opened in XX/XX/year>. This account has been deleted from my XXXX report. 
TRANSUNION failed to reinvestigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights for a XXXX time and there are still several inaccuracies on my account. Please remove this account!
Product: Debt collection

On Thursday, XX/XX/XXXX, Credit Collection Services contacted me via text message to inform me about a debt collection payable to XXXX XXXX for {$130.00}. I do not have any responsibility for the debt for the following reasons. 

1. There is no legitimacy to this claim. 

This bill concerns blood work that I neither consented to nor did I ask for from my former provider. I am working with the provider to submit documentation that this was in fact an error on their end. They have informed me that this will take at least 60 days from Thursday, XX/XX/XXXX. 


2. The notice was insufficient. 

I moved from the address that the notice was sent to in XX/XX/XXXX. I have since received mail from XXXX ( the biller in question ) to my new address this year, the address in this letter. So my new address has been on file. When I spoke with Credit Collection Services on Thursday XX/XX/XXXX, the address on file was still my previous address. I am not responsible for this. The first notification I received about this debt was on XX/XX/XXXX by text message. It is unacceptable that the first notification I received was by text message, once the amount had already been moved to debt collection. When I spoke with a representative from Credit Collection Services on the phone, she told me that phone calls had been made to my phone number and no voicemails were left because of privacy reasons, yet I received written notice via text message. This is inexcusable and invalid because negligence to notify me properly. I have not lived at the previous mailing address for over one year. There were clearly ways of notifying me by text message this entire time since the agency notified me that day. Still the agency has chose to predatorily hold me responsible for this debt by sending mail to an invalid address that I dont live at while having a current mailing address and email address and phone number on file with the biller. According to the Fair Debt Collection Practices Act, I must receive written notice with the following in order for the debt to be valid. 

- The name of the creditor - The amount owed- That I can dispute the debt and that if I dont dispute the debt within 30 days the debt collector will assume the debt is valid. 
- That if I dispute the debt in writing within 30 days the debt collector will provide verification of the debt - That if I request the name and address of the original creditor within 30 days ( if different from the current creditor ), the debt collector will provide me that information. 

Since the first notice I received of this was via text message and because it included none of the above other than the name of the creditor, this debt is invalid. Frankly, given how predatory this is, I get the idea that Credit Collections Services is taking advantage of me because of my young age.
Product: Mortgage

I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.
Product: Debt collection

Calling every day, and when I asked them to stop they said I didnt have an account.
Product: Checking or savings account

I have a checking account that I opened with TD Bank several years back ( can not recall the exact date ). I did this because I was often away from home on the XXXX XXXX  and needed some banking options. They stated I need to keep a balance on the account to keep it open and not incur fees which I have. I live in the XXXX and have my mail forwarded to me. The last statement I received on the checking account was last year around XXXX which stated I had almost {$1900.00} in the account. There has been no activity since the last statement that would diminish the amount in my account. Today when trying to login to the account online to do some updates, the system could not find my account. I called TD Bank and was transferred around to 5 different people back and forth between departments - none of whom can find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX MORTGAGE SERVI Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX
Product: Debt collection

At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Key Bank 's website was down when i tried multiple times to make my payment ( {$620.00} ). I spoke with a customer service representative about it and they told me they would " bullseye '' the 30+ days past due on my credit report. It is nowXX/XX/XXXX and it is still reporting 30+. I have spoken to multiple people at Key Bank as well as sent SIX credit dispute letters/emails. Key Bank has not acknowledged ANY of my correspondence. If you look at my payment history, you will see I have never been late in the ten years since I opened the account. Please help!!! 

I have attached the most recent correspondence sent to Key Bank. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balances on 6 open accounts are inaccurate. I have filed multiple disputes but the information still is being reported inaccurately. Both XXXX XXXX account balances are incorrect as they both have a {$0.00} : balance and have had the balance for 3 months now. Also both XXXX XXXX accounts have a {$0.00} : balance as well. XXXX has a balance of {$110.00} and XXXX have also been paid off and have a {$0.00} : I reported these inaccuracies to Equifax on XX/XX/XXXX and they have not responded. 
In accordance with the Fair Credit Reporting act the list of accounts mentioned have violated my federally protected consumer rights by reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

Money orders were stolen from our office in XX/XX/XXXX. I contacted Western Union customer care and was directed to file an online Payee Affidavit for each stolen money order and submit it through the mail which I did. After calling Western Union several times I have yet to receive an answer as of XX/XX/XXXX as to the status of my stolen money orders totaling more than {$10000.00}.
Product: Mortgage

I got approved from HAF program in XX/XX/2022. They stated they would pay my mortgage for 18 months. Payments have been made monthly and now XXXX and XXXX payments were sent to my mortgage company which is XXXX and the mortgage company hasnt applied it. Every time I call the mortgage company they say they dont know anything but the Haf program shows payments were made. I just want my payments posted. Right now there should be 2 payments of {$1400.00} each applied for XXXX and XXXX. My haf applicarion number is # XXXX. My loan number for XXXX is XXXX.
Product: Credit card or prepaid card

Complaint # XXXX was closed Inappropriately. 

Federal & State Banking Laws REQUIRE That a dispute process be followed by the Credit provider and bank. Synchrony Failed to comply with the Required process, and state, Federal & Regulatory Banking Laws & Regulations. For that I am Unsatisfied with the mishandling and improper closure of the above file. I want it re-opened and instruct the bank to find the dispute in the consumers favor as required by law. 

Further, This bank & merchant committed Bank fraud and a Ponzi scheme by charging multiple persons for the same singular purchase. In effect requiring the Consumer to give this merchant & business an interest free loan by a consumer! 

The merchant Violated the contract honoring the lowest price after the sale. 
The merchant XXXX XXXX XXXX Responded multiple times to a totally irrelevant and non related matter to my dispute. There by requiring that Synchrony Bank Close the Dispute and rule in the consumer 's favor as required by Law and banking regulations governing how disputes are to be processed and handled. 

This complaint needs management review and an order to Synchrony to close the dispute correctly in the consumer 's favor.
Product: Credit reporting or other personal consumer reports

Today I noticed after paying XXXX  of dollars off on my credit cards and paying down my collection, my score dropped tremendously. I believe that this an attempt to avoid increasing my score to its full potential to only increase when the other updates on payments also reflect on my report. This makes no sense. Only the usage and payment history was affected. I made it obvious over the past few months through disputes, I am trying to purchase a home soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : General Dispute and Request for Thorough Investigation - XXXX XXXX, XXXX, and XXXX Accounts Dear TransUnion Consumer Relations, I am writing this letter to formally dispute the presence of certain accounts on my credit report, specifically those associated with XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  ). 

As a responsible consumer, I have diligently reviewed my financial records and found discrepancies in the reporting of these accounts. I request that TransUnion conducts a comprehensive investigation into each of the mentioned accounts and reviews the documentation I have provided. 

The specific accounts in question are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX : I believe there are inaccuracies in the reporting of these accounts, and they may not be representative of my true financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. 

I kindly request TransUnion to thoroughly investigate each account and verify the accuracy of the reported information. During the investigation period, I expect TransUnion to mark these accounts as " In Dispute '' on my credit report, in compliance with FCRA Section 611 ( a ) ( 2 ).

If the investigation reveals any inaccuracies or discrepancies, I request that TransUnion promptly removes or corrects the disputed accounts from my credit report. This will ensure fair and accurate credit reporting and reflect my true financial standing.

I have attached relevant documentation to support my dispute, and I trust that TransUnion will handle this matter with due diligence and transparency.

Please provide written confirmation once the investigation is complete and the necessary actions have been taken to update my credit report accordingly.

Thank you for your attention to this dispute, and I anticipate a swift resolution in accordance with the FCRA guidelines. 

Sincerely, XXXX Enclosures : - Documentation supporting the dispute for XXXX XXXX, XXXX, and XXXX accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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. states a Consumer reporting agency can not furnish a account without my written instruction.

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account 1 OPENED XXXX XXXX # XXXX Balance {$560.00} XXXX # XXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX # XXXX Balance {$140.00}
Product: Debt collection

This company was asked to validate this debt and failed to do so. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997
Product: Student loan

I have a PLUS Student Loan serviced by Navient. I graduated in 2013 and since then my monthly bill has been outrageous. The loan is in my mother 's name since I was not allowed to take out a Federal Loan in my own name at the time I enrolled college. Because it is in my mother 's name my monthly payment is calculated taking into account BOTH her yearly income as well as my father 's yearly income as both of my parents are married. Unfortunately, with their bills they can not pay my student loan and I am forced to pay not only my loan through Navient but also by Subsidized and Un-subsidized loans through the Department of EDU - Federal Direct Loans. I was given no help to navigate through this by Navient and was even hung up on after many attempts to contact them for help to try and consolidate the loans under my name to lessen my monthly payment. If there is any help you can get me regarding this situation, please let me know.
Product: Checking or savings account

On XX/XX/year>, I purchased XXXX XXXX XXXX concert tickets for a total of {$150.00} from XXXX. The concert got rescheduled so I sold my tickets through live nation for a total of {$86.00} on XX/XX/year>. I also had to provide my SSN to them for a XXXX report, in order to sell the tickets, which was filled out on XX/XX/XXXX. On XX/XX/XXXX, my debit card information was compromised and I got a charge for {$220.00} from XXXX XXXX XXXX.
Product: Mortgage

I closed on my house XX/XX/XXXX. On XX/XX/XXXX I was contacted by a loan officer from the mortgage company that my closing lender shuffled me off to. He told me all kinds of great things like skipping 2 months mortgage, saying I would get back XXXX dollars, and pay XXXX which would be added to the end of my loan. This is the deal I consented to and signed on XX/XX/XXXX. Then I was told " Trump changed the rules on IRRRLs '' ( so far as I can find he did not ) and we had to wait till XX/XX/XXXX. Well on XX/XX/XXXX they sent me another loan estimate. This one was me paying them XXXX in closing costs at the end of my loan, and XXXX in cash at close from me. I suspect they didn't think I would read it because when confronted they said it was a mistake, and they would fix. ( It was a clear bait and switch ) but now instead of XX/XX/XXXX it was XX/XX/XXXX ( Trump changed the rules again they said ) I asked him how sure he was this time that It would close on the XX/XX/XXXX because I was going to budget that month without the mortgage payment needed. He said mortgage payments aren't late till after 30 days so If I just cancel the auto pay it would be fine. Now as of XX/XX/XXXX I got another new closing disclosure. This one saying XXXX in closing costs and XXXX in cash to close. ( another bait and switch ) After playing phone tag ( They ignored my emails for 3 days until I called them out on it ) Now apparently an IRRRL requires another appraisal ( not according to XXXX XXXX XXXX ) and they have to get cash to close. If this isn't illegal it is at the very least immoral and unethical buisness practice.
Product: Credit card or prepaid card

Capital One closed out my Spark business credit card and then allowed three debits onto the account after it was closed. This resulted in interest and late payment fees over about 6 months. The result was disastrous to my credit score and has inhibited my ability to get a commercial lease to continue operations of my sole-proprietor business. Multiple calls to the company have yet to fully resolve the issue. XXXX XXXX is also involved as two of the debits are returned payments from the bank that Fidelity uses. 

Multiple agents at Capital One report the account was closed on XX/XX/XXXX ( all of this year ). There was a returned payment of {$4400.00} posted on XX/XX/XXXX. There was a returned payment of {$1600.00} posted on XX/XX/XXXX. I don't know what happened to the money from these -- it certainly did not come back to me. I've informed Capital One that I authorized the payments from good available funds and that they can collect from Fidelity or the bank Fidelity was using. I no longer have an account nor do I do business with XXXX XXXX. 

Further, there was a charge of {$1200.00} posted on XX/XX/XXXX from XXXX XXXX XXXX that must have been fraudulent as it was a week after the card was closed ( and I wasn't anywhere near the same state as that hotel at that time ). Capital One seems to be working on this one. 

At the time I was informed that the account was closed I thought there was no balance due and no problem ( fully paid off ). I was not informed otherwise by Capital One. 

I seek to have the returned payment debits removed from my Capital One account and all interest and late payment fees ( amounting to a total of {$970.00} ) reversed or removed. The maximum that I owe Capital One should be less than {$50.00}.
Product: Debt collection

Today, XX/XX/19, I received a hang up phone call from American Adjustment Bureau. I have notified them twice that 1 ) there was no date on there attempt to collect a date and 2 ) this is not my debt, please stop contacting me. I have numerous letter and have had numerous phone calls since my notifying them.