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

XXXXXXXX XXXX, Date reported is XX/XX/2022. Total amount is {$130.00} In accordance with the Fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried taking out money from HSBC bank in XXXX XXXX. While trying to withdraw funds the machine only dispensed {$200.00} pesos ( {$10.00} dollars ) and charged me {$7000.00} pesos ( equivalent to {$420.00} dollars ) in atm fees, plus a tax fee of {$1100.00} pesos. Which I understand I would get a fee to withdraw from a foreign atm due to my debit card being from the United States! But upon trying to get my money back from HSBC or my trying to get this resolved thru my Own bank XXXX XXXX XXXX XXXX XXXX help me XXXX get this straighten out. They keep referring me to each other get this resolved. I really need something to be done
Product: Credit card or prepaid card

Was charged late fees during COVID months XXXX- XX/XX/2020. Was told that they dont have a record of me calling in due to account notations. The first d Fee was {$27.00} the second and third fees was {$38.00}. I waited to hear back from a superior and the will not escalate their calls beyond the call center. The level of professionalism within this financial institution needs to corrected and redirected. I have been back and forth with the company and the foreign speaking representatives but have gotten nowhere.
Product: Debt collection

By written notice dated XX/XX/year> IC Systems claiming to be licensed debt collector claimed complainant owed a AXXXX XXXX XXXX  debt in sum of {$410.00}. In response, complainant requested billing statements including contract agreement, and denies the debt. In response IC Systems furnished a purported account summary ( copy included and incorporated herein by reference, made part hereof with force and effect as though fully set forth in XXXX XXXX ). Said account summary is completely vague and ambigious and completely insufficient to establish and support validity of purported debt. 
As herein after indicated, complainant has filed complaint in the matter with the XXXX XXXX XXXX XXXX Attorney. Said complaint remains unresolved & b pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I've realized there are more Unauthorized fraudulent accounts. My social security card ( SSN ) has been used, however received no benefit.
Product: Mortgage

This matter is pertaining to our Mortgage Company Guild Mortgage who has declined to remove our mortgage  insurance even though we have met the required specifications provided to us by Guild when we signed our opening mortgage documents. The conditions were as follows : Two year payment period with no late payments, the 75 % LTV for which I have described the scenario below : On XX/XX/XXXX, I reached out to Guild Mortgage to inquire about removing our PMI as we were previously told that this is something that would be feasible after two years of making monthly payments. Guild requested an email requesting the PMI be removed for which I sent the request on XX/XX/XXXX. On XX/XX/XXXX they requested another email stating that we were requesting an appraisal to be performed on our property for which they received on XX/XX/XXXX. Guild sent a request to XXXX XXXX for the appraisal to be completed. XXXX XXXX charged us a fee of {$600.00} which is more than the usual {$350.00} - {$400.00} that we usually pay. They did the appraisal on XX/XX/XXXX for which I have attached a copy. They denied our request on XX/XX/XXXX ( attached copy of denial ). We sent in a dispute because it is evident that the appraiser of choice used the lowest comps in our area and do not support the current and true value of subject property. Supporting copy of CMA is also attached for your review. 
Once Guild performed a review of our dispute, they were able to raise our property value from {$370000.00} to {$370000.00} which shows that they are in agreement with the dispute of the appraisal, however ; they only lowered the value enough to be able to deny us again on XX/XX/XXXX. I have also attached a copy of the denial letter for your review. 
I have been a homeowner for over 20 years and have never been late on any of my mortgage payments one single time. I am not saying I have never been in a rough spot, but I do what I can to always make ends meet, and make my mortgage a priority. I have paid thousands of dollars in interest to these mortgage companies, not to mention the $  XXXX I had to come up with out of pocket in XXXX so my Condo would not sell as a short sale to keep my impeccable credit history. It is unfortunate that not until now, I realize that these companies are not to take further advantage and abuse people who have worked so hard to keep up with the ever-changing mortgage industry. 
It is why I ask that you respectfully look in to this matter and find out why Guild Mortgage is refusing to remove my mortgage insurance by using mortgage appraisal fraud tactics to lower my property value and charge the extra interest if the MI is not removed. I have XXXX XXXX coming up and my husband will be the only one working for at least a year. Any assistance from you will be greatly appreciated.
Product: Student loan

Following the pandemic pause, MOHELA set my repayment at approximately {$470.00}. However, when I last made payments before the pandemic my payments were at {$260.00} at XXXX XXXX. The restart was supposed to use the same financial information as the start of the pause- so why are they different? 

On XX/XX/XXXX I called MOHELA to correct the error. I resubmitted my financial information and recertified via self report on the phone. The results of this discussion had my monthly payment at $ XXXX and would take up to 30 days to process. Due to the high processing time, MOHELA offered and I accepted a processing forbearance with intent to cancel it before the end of XXXX to preserve my PSLF forgiveness eligibility timeline. 

On XX/XX/XXXX, when I went to check on the status of the correction, the billing was incorrect again with a new monthly payment of $ XXXX which was NOT what was discussed on the phone. This indicates that the calculator/processor used my family/household income but did NOT include my spouse 's federal student loan debt in calculating my student loan payment. See calculations attached. 

I called immediately upon discovery of the error and remained on hold for XXXX hours. I ended up speaking with a representative that made false statements such as * I was not enrolled in XXXX until XX/XX/XXXX. ( I have been in REPAYE for the last 7 years ) * That my payments would automatically be lower ( I think this was implying the 10 % -> 5 % change that doesn't occur until Summer of XXXX, but she was not clear ). 
* That the error in payment could be due to the forbearance on my account ( as according to her repayment does not pause while in forbearance which is incorrect ). 

After challenging her responses, the representative agreed to resubmit an application on my behalf but during the application questionnaire - the representative left off significant questions such as my spouse 's student loan debt amount ( the original error ), my husband 's personal information such as name/date of birth/social security number. These errors would have ended up with me right back in the same position. After I prompted her with that information, the amount changed to $ XXXX. I accepted that amount on the phone due to not wanting to challenge her over the interest accumulation. At this point, I had been on the phone for XXXX hours. As these are MOHELA 's billing errors I should not be penalized for their errors. The representative also stated that she placed me in a " processing forbearance '' as opposed to " administrative forbearance '' that I was already in, while being unable to clearly identify the difference ( the letter I had received stated I was in a processing forbearance from XX/XX/XXXX until XX/XX/XXXX ). The representative stated the application would take 5-7 business days to process. The representative also stated that the forbearance will not affect my eligibility towards PSLF ( which is accurate to the Dept. of Education 's statements ) but I do not trust that MOHELA will correctly process that.
Product: Debt collection

Solomon & Solomon PC XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged Balance Owed : {$460.00} Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the constitution it states that. : 15U.SC 1681 sec 60A-/ : STATES I HAVE THE RIGHT TO PRVICY.!!

15.U.S.C 1681 Sec : 604A/sec2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT!!!! Finish account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) sec : STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, AND OTHER ADVERSE ITEAM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WITCH ANTENDS THE REPORT BY MORE THEN 7 YEARS!

15. U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS REPORTING OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE! 


I HAVE BEEN VIOLATED ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEVER GAVE MY PERMISSION??? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all listed from my credit report even closed accounts.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to a fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$910.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6000.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$6500.00} XXXX Date Opened XX/XX/XXXX Balance {$3100.00} XXXX/XXXX  Date Opened XX/XX/XXXX Balance {$1000.00} XXXX Date Opened XX/XX/XXXX Balance {$920.00} XXXX  Date Opened XX/XX/XXXX Balance {$530.00} XXXX  Date Opened XX/XX/XXXX Balance {$27000.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$18000.00} XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX/XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX FIN ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a XXXX person and veteran. I will also file a complaint with TIGTA and the FTC.
Product: Credit reporting or other personal consumer reports

I have sent several letters to credit monitoring companies such as XXXX also Experian they will not remove negative remarks on my credit file
Product: Debt collection

I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. 
They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it
Product: Payday loan, title loan, personal loan, or advance loan

Personal loan agreement of XXXX dollars which they refused to give and only sent XXXX of XXXX and refused to send. They used my personal info to place my account into negative balance and refused to discuss other further options to resolve the amount owed. They used my information to file a bank claim and then placed my account. They refused to allow me the ability to speak with my personal loan officer.
Product: Mortgage

Hello I 'm a retired senior, who sort to make my mortgage payments- meet my fix budget better ; by refinancing my existing interest rate to a lower rate. Upon this refinance I was picked up by Wells Fargo. After receiving this lower rate and lower monthly payments which better suited my fixed income, this excitement was short lived when Wells Fargo informed me that my mortgage payments were to rise by {$50.00} dollars due to increase taxes and insurance. I understood this dilemma and asked how my payments could remain the same as when they were refinanced. I was then told, that I could request an escrow buy down. This would have them calculate this yearly projected increase, for taxes and insurance- that I would pay separate from my current mortgage payments. Thus eliminating the escrow shortage and would my budget payments the same each year. This set up worked for me until later, Wells Fargo changed- when they did the escrow analysis for my mortgage payments and begone to recalculate them less than a year afar. So instead of calculating for this escrow shortage each XX/XX/XXXX, they began to do it in XX/XX/XXXX as well of the same year. Even though I had just given them, in XXXX XXXX a good amount of payment for this calculation and set up. Now they have stated that in Maryland that these calculations are to be done in XXXX XXXX, as well increasing my mortgage payment for XXXX XXXX more than {$200.00} a month without any prior notice that this would occur. I have repeatedly called and left messages and was told prior, by their Customer Care Recovery person that my next calculation would be in XXXX XXXX and due in XX/XX/XXXX. Yet, their left hand reneges on the right hand and changes options without notice to the mortgagee, claiming no knowledge of changed procedures and increases monthly payments to benefit Wells Fargo without resolution to their clients. I really do not appreciate Wells Fargo playing these type of games with my finances. I like the escrow buy down program that they offer because it has worked for me and my budget but not the changing of yearly scheduling of it without prior notice or justification because when they have changed this, they have not even paid my yearly taxes for XX/XX/XXXX with escrow still available that I can see from my online account but they are saying a shortage exist for this {$200.00} increase without justification and what I was informed prior that these calculations would be done a year apart, not a few months apart to increase my mortgage. This is not a game to be played. Please contact and correct this situation on our behalf and for others who have run into similar situations with this particular bank were they benifit and we do n't. This bank is inconsistent with their procedures, and how they handle payments made to them. They have even refunded funds back to me for this escrow shortage in the past, claiming not knowing what they were for and rerouted funds incorrectly having me to call reps constantly for corrections. And now, I 'm requesting YOU to please FIX this situation. HELP!!!!!!!! 
creating shortages when if all were on the same page these errors due XX/XX/XXXX
Product: Debt collection

I have been apprised of a legal action against me by LVNV Funding LLC, as conveyed through a law firm 's advertisement letter. The lawsuit documentation was transmitted to me via alacort 's website, a fact validated by the XXXX XXXX XXXX 's office. However, it was affirmed that a certified mail letter did not reach me, signifying an incomplete and inadequate service of process. In addition to the lack of proper notification, I have not received any supplementary legal correspondence pertaining to this lawsuit. 

Upon meticulous examination of the company and considering the experiences of fellow consumers facing legal action from LVNV Funding LLC, it has come to my attention that the company is reputed for deficiently informing individuals about lawsuits, potentially leading to default judgments against defendants. Not only does this legal action appear to be time-barred, surpassing the statute of limitations in Alabama, but the absence of proper and lawful service of documents is a matter of great concern. The revelation of the lawsuit through a law firm 's advertisement is disconcerting, and I assert that such critical legal matters should be communicated in a more formal and prescribed manner. 

Furthermore, LVNV Funding LLC 's consistent violations of the Fair Debt Collection Practices Act raise serious concerns, warranting a thorough investigation into their practices.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
Bankruptcy XXXX XXXX reference XXXX