23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my house on XX/XX/2021. My mortgage was sold by XXXXXXXX XXXX to JPMorgan on XX/XX/2021. In the days before the close of the house sale, JPMorgan paid {$3300.00} to my insurance company, XXXX XXXX XXXX, from my escrow account. This was for a policy that was to begin XX/XX/2021, a week after my house was sold. I contacted my insurance broker, and the policy was cancelled. The premium of {$3300.00} was mistakenly returned to XXXX, instead of JPMorgan, because XXXX XXXX had XXXX as the lender on file. According to XXXX, they wired these funds back to JPMorgan on XXXX and provided me with a wire transfer #. JPMorgan confirmed that they have a record of the transfer from XXXX, but their records have a note saying that they returned the funds back to XXXX on XXXX. Yet, JPM could not provide me with a confirmation # backing up this claim, and they told me they were supposedly researching what happened. XXXX has stopped being helpful, and is now just pointing me to JPMorgan, but JPMorgan is unable to confirm whether or not they did in fact send the funds back to XXXX. Neither company wants to take responsibility or refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : 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 Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with XXXX or Experian either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A phone conversation on XX/XX/2022 with XXXX disputing accounts confirmed that these accounts were no longer reporting and were deleted XXXX That phone conversation 's confirmation # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC deleted XXXX XXXX off my credit report on XX/XX/2021 per my request. They didn't pay me {$1000.00} as I demanded pursuant to 15 usc 1681n civil liability for willful noncompliance for having XXXX XXXX on my credit report in the first place without permissible purpose 15 usc 1681b.
Product: Credit reporting or other personal consumer reports

there was a data breach with company with my personal information being compromise/access
Product: Debt collection

Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign up for a capital one card which is now on my credit and I cant dispute it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Product: Credit reporting or other personal consumer reports

In XXXX, I noticed an unfamiliar/unauthorized/unvalidated account on My XXXX credit report named " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/year>, I provided " XXXX XXXX XXXX XXXX XXXX XXXX' a notice containing the following : " Provide all of the following information and submit the appropriate forms and paperwork back to me along with the Affidavit signed in accordance with your 28 United States Code Section 1746 within thirty days from the date of your receipt of this request for validation and proof of claim : i. Alleged Name and Address of Creditor : ii. Name on File of alleged debtor : iii. Alleged Account Number : iv. Amount of alleged debt : v. Date that this alleged debt became payable : vi. Date of original charge off or delinquency : vii. Amount paid if debt was purchased : viii. Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector ; ix. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters ; x. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect ; xi. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt ; xii. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note ; xiii. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity ; xiv. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable ; xv. Provide verification from the stated creditor that you are authorized to act for them ; xvi. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of your 18 United States Code Section 1341. '' In XXXX, I provided XXXX with notice of dispute of the unvalidated account. 

On XX/XX/year>, I provided the CFPB with notice of the unvalidated account. 

On XX/XX/year>, I received an update from XXXX regarding the disputed account stating, " This item has been removed from your credit report. '' On XX/XX/year>, I received an XXXX credit report claiming the unvalidated account is in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over ny credit profile i seen a update of a unauthorized fraudulent accounts and a inquiries on my profile and i would like them removed the inquiries are : XXXX.
Product: Bank account or service

I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have field the correct paperwork and sent it to the credit reporting agencies and disputed the accounts. The paperwork has not been attached to my disputes and the accounts have not been removed. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow-up from former submission XXXXI was denied a useful modification for a bogus reason ... that I received applications in XX/XX/XXXX 2014 & XXXX 2014 & failed to submit them. I had shortly before that submitted a complete application. When I called to ask about these extra copies I was told to ignore them as they were automatically mailed out.Our application was denied. Now it is happening again. I am once more 3 months in default & called to ask for help. Our home is listed for sale & we have an interested party who is expecting a large settlement soon but we have nothing on paper. I asked for my personal rep but got a gentleman instead. He asked for a lot of information & then told me they would give me a little time & to keep in touch. Then I started receiving application packets in the mail ... XXXX from XXXX different addresses in one week ... each one a little different. I called my rep who was no longer XXXX ( who I could never talk to anyway XXXX but is now XXXX for help. She told me to ignore them & do n't bother to submit any of them. And I need to pay up now or I am in foreclosure as those papers are already to send to me, HELP!!!!
Product: Debt collection

This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting information. 
Violating FCRA Nelnet on XXXX reported on Date last active XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Both XXXX XXXX XXXX are illegally reaching account and failed to report accurately Last active XX/XX/XXXX, therefore account is XXXX years XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024. XXXX dollar loan I was approved for. I wasn't aware they wanted paystubs and tax returns til after they pulled my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation of this debt multiple times since 2019. Not once have I ever received a response or any sort of writing validating the debt.
Product: Credit card or prepaid card

I have a Bank of America credit card that offers cashback in 6 categories with the option to select 1 category for bonus cashback. The cash back % is 1-3 % however based on my relationship balance with BOA I was upgraded to Preferred Rewards Platinum Honors ( highest tier ). This also included a 75 % rewards bonus on credit card purchases made with my Business Advantage Cash Rewards Choice Credit Card. On XX/XX/XXXX I planned to make a large purchase of {$9700.00}. I called customer service a few times that day with questions regarding the purchase and my cashback. After I gathered the information I needed I finally felt comfortable enough to make the purchase. The first thing I needed to do was log on and change my category from gas to business consulting services. This was the first time I changed the category since obtaining the card late XXXX. I logged in and out a couple times that day to make sure I did it right. I proceeded with my purchase. A few days later after the weekend passed the transaction finally posted and on XX/XX/XXXX I noticed the cashback paid was incorrect, reflecting 1.75 % instead of 5.25 %. I immediately selected business consulting service category again on XX/XX/XXXX and it finally changed. It was at that time I realized there was a technical issue on the BOA website that caused the category to not properly update the original date of XX/XX/XXXX. Since this was the first time I had ever changed the category I was unaware that the category change should have reflected instantly the day I originally changed it. I called customer service XX/XX/XXXX and explained my issue in great detail, the female representative assured me everything would be ok and that she just needed to open a simple ticket to correct it. I called in late XXXX to check status of previous ticket, the male representative advised no update yet. He also confirmed my previous ticket and said the prev rep left out that it was an online technical issue but he could not add comments once ticket was submitted. Few days later I received a denial from BOA to my original request. I called XXXX and spoke with XXXX ( supervisor ) who I re explained in great detail the situation. She advised she would submit a new request, apologized for what happened with my purchase especially being a new customer. She even requested that I receive {$150.00} bonus cashback. She also confirmed she could see my several calls and even online logins the day of the purchase XX/XX/XXXX and the system issue did not record my category change properly. A few weeks later, I received another denial without any resolution. Since XX/XX/XXXX was when I changed the category again after realizing my first request on XX/XX/XXXX didnt work, Im consistently being told the category was changed after the purchase which is not the case. The XX/XX/XXXX was only when it finally went through properly after my 2nd attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached XXXX : XXXX BANKRUPTCY COURT-XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Previously Disputed via XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. XXXX XXXX, Experian XXXX, XXXX XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added XXXX additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.
Product: Student loan

This is in regards to loans that I had to put on forbearance and deferment during schooling and difficult financial periods. Navient is charging me an extra XXXX of interest. They say that when I agreed to the deferments and forbearance, they were able to capitalize the interest and the extra interest they get to collect from me. My original loan amounts were {$25000.00}. They now want {$35000.00}. This equates to about 27 % interest in top of my original amount. Not ok!
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX. and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2022 approximately XXXX XXXX EST, i returned a call because i was called 3 times back to back. I called them and was hung up on, i called back and the lady was yelling and wouldn't listen, i called back a 3rd time and requested a supervisor. I was put into contact with a very angry, XXXX  person. I told them this wasn't mine because i didn't live there at the time but he argued that i had to have received a bill from XXXX XXXX ( XXXX, GA ) in order to receive the doctor 's bill from XXXX  XXXX. I was trying to explain that I had only been to XXXX XXXX XXXX XXXX in XXXX, but he wanted to argue. I called a personal friend that was the family attorney and he told me to request an itemized document. In the process of making this request the guy still wanted to argue and debate, so i told him to stop, i have a legal right to know what the debt is for in writing, not sure if he sent it, he was SO OFFENSIVE. If they would send the itemized statement, i will show my lawyer my proof and if it's not my debt, i will ask the lawyer to send a letter or handle the debt on my behalf. I gave XXXX my current address, if they can't send proof, i want them to leave me alone and stop harassing me with calls and arguments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting Experian for 2 years to remove a collection account that has ruined my credit and caused financial hardships. The collection account does NOT belong to me. And I disputed it over and over and over again but they refused to change it or send me any proof of account ownership. Under section 609 a of the FCRA I'm entitled to see the original document including my signature to verify account ownership, but they failed to provide me with that. In fact, they stated that everything is submitted electronically. I demand immediate removal of such account or I'll seek punitive damages via trial by jury. Enough is enough!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019
Product: Mortgage

Between XXXX and XX/XX/2019 Selene Finance made a change to their payment portal. Now if you pay XXXX as payment and try to add XXXX as principal it comes to XXXX for the total. If you make the principal XXXX then it comes to XXXX. This is after their system failed for several months preventing the ability to apply any additional payment at all on the principal. 

They sent me a couple letters assuring me they arent skimming the pennies but I dont understand why they dont fix it. I also was seriously upset when I could not pay extra on the principal. But they sure call and harass you starting on the XXXX of the month if they have gotten your payment yet. 

Selene Finance is a terrible servicer and I am so sad that united veterans uses them for mortgage servicing.