23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I fully paid off my mortgage with Newrez and expected the refund of my escrow account balance, which totaled {$670.00}. As of today, nearly three months later, I have yet to receive this refund. 

I have made numerous attempts to resolve this issue directly with Newrez. My efforts include multiple phone calls on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. During these interactions, I repeatedly inquired about the status of my escrow refund but received no clear resolution.

On some occasions, I was informed that the refund would be issued via check and mailed to my address. On other occasions, I was told the refund would be processed via ACH transfer. Despite these assurances, no refund has been received to date.

Adding to my frustration, I was repeatedly told by Newrez representatives that my bank account details were incorrect, despite having used the same account to pay my mortgage for the past five years. I confirmed my bank account and routing numbers on multiple occasions during calls and chats, yet the issue remains unresolved.
Product: Debt collection

I received a call from ACA on Monday XX/XX/XXXX XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX ACA on Friday XX/XX/XXXX XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt XXXX for {$850.00}. He claims I opened this account XX/XX/XXXX 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint addressed to the Credit Reporting Agencies today to inform them that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

Bank of America NA charged me {$75.00} annual fee for its XXXX   XXXX  credit card. However, during the Covid19 with all travel advisories and local restrictions, it is intangible to be use the benefits associated with the annual fee. I contacted Bank of America numerous times, and once their phone agent agreed to waive the fee but mentioned the system did not allow refunding a fee charged several months back. In subsequent conversation, another agent said they are unable to refund the fee. The fee is essentially for service not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX  {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.
Product: Credit reporting or other personal consumer reports

This is about a complaint about Select Portfolio Servicing XXXX. 

My husband and I had to close to our XXXX XXXX  due to XXXX and as such had to file for bankruptcy on XX/XX/year>. We still wanted to keep our mortgage and continue making payments ; however, due to the stay in our bankruptcy proceedings, we were not allowed to make mortgage payments due to court rules. After the bankruptcy was XXXX I entered into an mortgage assistant agreement with Select Portfolio and immediately started making the requested payments. Even though I was making the required payments they still reported me to the credit agency every month as over XXXX days late. I feel they should not have been allowed to report me due to the bankruptcy stay and bankruptcy laws. They reported me to the credit bureaus every month since XXXXXXXX XXXX 

Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.
Product: Credit reporting

This afternoon I received in the U.S. Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2016. '' In this letter, under the " Previous Addresses '' section, it continues to falsely state that I lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX ; Reported XX/XX/2016. '' I have NEVER lived in " XXXX, CA. '' I do n't even know where " XXXX, CA '' is located at. I am the Victim of Identity Theft. I called up " Equifax '' and they still refused to " Delete '' this false Identity Theft " XXXX, CA '' address off my " Equifax '' credit file. I have only lived in " XXXX, California '' for the last 32 consecutive years.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX has repeatedly neglected their legal obligations in handling my credit report disputes, and I am requesting your intervention to resolve these issues for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : 1. Failure to Verify Accounts ( 15 U.S. Code 1692g ) : XXXX has failed to provide verification of accounts I have disputed. Under this provision, they are required to provide sufficient documentation to validate that the accounts are legitimately mine, which they have not done.

2. Failure to Provide Proof of Validation ( 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ) ) : Despite my repeated requests, XXXX has not provided proof of validation or a purchase agreement verifying that the disputed accounts belong to me. Without such documentation, their continued reporting of these accounts constitutes a violation of federal law.

3. Reinsertion of Incorrect Information ( 15 U.S. Code 1681 ( a ) ( 4 ) ) : XXXX has wrongfully re-added disputed accounts to my credit report without proper notification or verification. As stipulated by the FCRA, this is a clear violation of my rights as a consumer and has caused significant harm to my credit standing.

4. Failure to Ensure Accurate Reporting : XXXX has failed to ensure that my credit report reflects accurate and validated information. By failing to validate or remove disputed items, XXXX is acting in direct violation of FCRA requirements. 

Requested Resolution : I am requesting that the CFPB intervene to ensure that : XXXX removes the inaccurate and unverified accounts from my credit report immediately. 
XXXX provides documented proof of validation and verification for any accounts they continue to report. 
XXXX ceases the practice of re-adding disputed accounts without proper verification and notification. 


The actions of XXXX have caused unnecessary stress and harm to my credit profile. I respectfully request that the CFPB take immediate action to hold XXXX accountable for their noncompliance with federal laws. 

Thank you for your time and assistance in addressing this matter. I look forward to your prompt resolution of this issue. 

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

I purchased a vehicle from Mercedes in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have XXXX separate entities for a reason I was told that Mercedes will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. Mercedes also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This items should be deleted effectively immediately as its been told to me by fraud department from consumer reporting agencies. Experian Accounts in Question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX 's began billing me for a debt that was not my financial responsibility in the amount of {$650.00} in XX/XX/XXXX( 5 months after the XX/XX/XXXX XXXX ). I immediately sent them a written response letting them know it was from a corrective XXXX XXXX  due to a XXXX XXXX and the doctor was financially responsible, and that I never signed anything stating I would be financially responsible for it. I never heard from them again.
Then in XX/XX/XXXX, Venture Financial Services , Inc at XXXX XXXX XXXX, XXXX, MO XXXX, XXXX sent me a letter, which I immediately responded to letting them know it was not my debt and to send me original documentation where I signed stating it was. They never responded.
Then in the first week of XX/XX/XXXX, XXXX XXXX 's sent me a new letter, directly from them, as if they had never sent me one before, requesting my payment. I sent them another letter on XX/XX/XXXX restating the facts, reminding them of my previous letter to them and to Venture Financial Services, and requesting documentation. No reply from them again.
Today, I received another collection letter dated XX/XX/XXXX. This time it is again from the same Venture Financial Services , Inc in XXXX, MO with the same reference number from their XX/XX/XXXX letter ( which they ignored my response to and never provided original documentation. ) I have even spoken with XXXX XXXX 's office and the supervisor agrees it is the doctor 's responsibility to pay, not mine, but she does not have " authority '' to bill the doctor.
How can these people keep passing this account back-and-forth, requiring me to repeatedly send the same demand letter for original documentation, and ignoring me when I do, and not somehow be violating the Fair Debt Collection Practices Act?
Please help.
Product: Bank account or service

I opened a Citibank account XX/XX/XXXX using promo code XXXX, which was supposed to award me {$400.00} by depositing {$15000.00} into the new account within 30 days of opening it. Additionally, I needed to maintain a minimum balance of {$15000.00} for 30 consecutive days after making the deposit. The {$400.00} bonus was to be credited within 90 days after meeting the requirement. I met the requirement on XX/XX/XXXX, thus the money should have been credited on XX/XX/XXXX. I reached out to Citibank on XX/XX/XXXX and they opened an investigation which was supposed to be resolved in 7 days. When I contacted them back, I was told that the investigation could actually take 30 days. After waiting more than 30 days, I reached out once more on XX/XX/XXXX ; the rep told me that the case was still open and she was going to escalate it. After waiting more than a month, I do n't feel Citi is giving my case the attention it deserves as I have not received any communication from them alerting me of updates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized or unrecognized credit inquiries recently reported on my credit profile. I have not applied for credit with any of the following institutions and did not authorize these inquiries : XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX XXXX XXXX Reported on XX/XX/year> These inquiries are unfamiliar to me and raise serious concerns regarding the potential misuse of my personal information. 

As a protective measure, I have placed an Extended Fraud Alert on my credit file with the major credit bureaus. I am requesting the Consumer Financial Protection Bureau to assist in investigating the validity of these inquiries and ensure that appropriate steps are taken to protect my identity and credit standing. 

Please let me know if any further documentation or verification is needed from my end. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Experian Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the Experian report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report high lighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response
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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage provider is Mr. Cooper aka Nationstar Mortgage. I spoke to them in XXXX regarding a Forbearance plan and was given their traditional forbearance option which requires full repayment at the end of the forbearance period ; Several weeks later, I received a letter stating that my loan was Federally backed which also indicated that my options would be different vs. a traditional non federally backed forbearance plan. When I asked to switch to the FHA backed forbearance I was told that at the end of their plan they would switch me to FHA ... if my forebearance was extended which was yesterday and again, it was not switched to the FHA plan. Fortunately, I was able to make my payments but currently struggling to make my XXXX and XXXX payments. Yet, I am being consistently told as current as yesterday, XX/XX/XXXX, that FHA backed forbearance plans function No differently from the rest of the forbearance plans, ( but it is clearly different to me ) and that I will need to pay the late payments back at the end of the Forebearance period or if I qualify their XXXX be other options. I was also told that my response to Mr Cooper when asked, Why are you now able to make the payments if I end the forebearance or at its end will determine what kind of options I am given??? This makes no sense and does Not follow the Script that Mortgage Companies are to follow for Government backed mortgages such as mine, ( XXXX XXXX ). As a matter of fact, Mr. Cooper Never even informed me that my mortgage was FHA ... I had to tell them after they stated to me that their traditional forbearance which requires full payment at the end and they still refused as of yesterday XX/XX/XXXX to extend my plan following FHA guidelines. I do not believe or trust Mr. Cooper ... this is the third person I spoke to on XX/XX/XXXX, and have received different misleading information from all of them?????? Who do you believe!!!
Product: Debt collection

EASTERN ACCOUNT SYSTEM stated they verified this particular debt with the original creditor that they claim I have. Under The Fair Credit Reporting Act, 15 U.S.C. 1681. I would like to know the process or procedure that you used to verify this debt.
Product: Debt collection

Disputed Debt .... I do not owe  XXXX  or NSA who is now trying to collect a bill I Do Not Owe. I do n't owe not One Cent..      Fraud and Extortion ... I cancelled the services after My Bundle was broke up with a New  company  XXXX . Pay off  XXXX  and  XXXX . Started a new service with   XXXX   and   XXXX  .     I have requested to have this item removed and my good name restored. I have disputed this bill debt with  XXXX  and  NSA  in writing. They try to get me to pay something ...  XXXX  the first time,  XXXX  the second time. I told them i owe nothing ... .and i will be paying nothing.     I disputed this debt and owe no money. all services were paid in full. This fraud and extortion to obtain monies not owed. After i have been loyal and excellent customer for years.
Product: Debt collection

A certified letter was sent and received by the company on  XXXX   XXXX . The letter was disputed information on my accounts listed on my reports. The company failed to respond and mark the accounts as disputed within the 30 day period. This violates both the FDCPA and FCRA.