23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Product: Mortgage

I applied for a refi loan at Flagstar Bank. I was supposed to get a 2.99 % rate that i locked in at, well the banking loan officers couldnt get it done in the time period they promised us they could. So we had to take the next best rate at the time. Which was 3.24 % Some how after the rate increase we were able to close on the loan no problems. Flagstar Bank insisted we have our morgage payments come out of a account with them on a automatic basis. So we opened a account for that purpose. 3 times out of six they didnt take the payment money from our account and insisted there was not enough money in the account to make the payment. Later we found out that the newly hired tellers were depositing our home payment money with a longer than normal hold on the deposit. Then our home taxes went up. Which increased our home payment. Flagstar failed at attempting to let us know of that change. So the latest attempt on paying our monthly home payment failed again. Also with no notice from Flagstar. So when i noticed the money still in the account, I went to the branch to find out what the problem was. That same day i added money to the account to make things right. And was assured things will be fine from here on out. Today i took another check up to pay the increase on my home taxes only to find out that Flagstar didnt accept my home payment again. after just addressing the issue at the branch 10 days prior. As they keep blaming us for all the flaws in there system. All the while incurring late fees that we did not deserve. And now they expect us to pay our mortgage with a certified Cashiers Check for the next 6 - 8 months as if it were our fault that their inexperience help couldnt do their job correctly. Flagstar totally dropped the ball from the begining and has done a horrible job ever since and will not even try to make it right with us as a customer.
Product: Vehicle loan or lease

I have a simple interest loan. My car note is XXXX. I pay XXXX for each payment due. My payment XX/XX/XXXX I request that the overage XXXX be applied to my principle balance. My issue is they are not reversing the payment back to the date of the payment. Also if I pay early it is applied on the due date not the actual date of payment. I'm trying to reduce as much interest as possible. My payment XXXX reversed and reapplied XX/XX/XXXX causing me to accumulate 10 days of interest. XX/XX/XXXX ( principle only payment ) reversed XX/XX/XXXX, 5 days of interest. XXXX reversed XXXX, 4 days interest. XXXX reversed XX/XX/XXXX, 6 days of interest. XXXX reversed XX/XX/XXXX, 13 days of interest. XXXX reversed XXXX, 2 days interest. XX/XX/XXXX payment applied XX/XX/XXXX reversed XX/XX/XXXX, 10 days of interest added to my account, which has added XXXX debt to my credit causing my credit score to decrease by 32 points. I called 5 times and texted twice to have my XXXX payment reversed before it was actually done. I made a previous complaint about my request for reversal and as you can see it is increasing my debt and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the 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 which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX : {$460.00} XXXX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX ) XXXXBalance : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$460.00} 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.

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Capital One saying the following : " Its been over 3 years since youve used this credit card account. As a result, the account will be closed due to inactivity on XX/XX/XXXX. Until then, the account has been restricted and cant be used for transactions or unrestricted prior to closure. '' I received no warning that it was going to close. I keep this card in case of emergencies. ( There was a time when I lost my primary credit card and struggled to pay for things for a while. ) I called customer service today ( XX/XX/XXXX ) and asked to keep the card open. They declined. They said they can't " change the status in the system, '' but they can send me the value of the rewards on the card ( worth around {$10.00} ) as a check. They confirmed that I received no warnings that my account was going to be closed.
Product: Mortgage

My mortgage transferred from XXXX XXXX to SPS Select Portfolio Servicing on XX/XX/XXXX. My XXXX XXXX ( XXXX XXXX ) was escrowed and last paid by XXXX on XX/XX/XXXX. SPS Never Paid my XXXX XXXX. and my coverage lapsed unbeknowst to me, until I got a letter from XXXX XXXX stating same. XXXX initially told me I could NOT be reinstated because it was Over 30 day lapse, so I got other XXXX XXXX, but at it was almost double the original price of {$2300.00} a year. 

SPS refused to agree that this issue was their fault. They told me I had XXXX XXXX that lapsed in XXXX, but never notified me until XXXX XXXX. 
I wrote to Department of Financial Services & SPS wrote a reply that was filled with several " untruths ''. I got verification of my XXXX from XXXX and submitted this to XXXX and SPS. 

SPS has acknowledged their error & refunded {$640.00} to my account for insurance i did not need. SPS has also accessed over {$8000.00} more due and owing in my {$190000.00} balloon payment I was forced to agree to by XXXX XXXX XXXX XXXX in order to keep my house. Now SPS says its almost XXXX. ( 3 statements attached for your reference ). 
I need help getting a covid modification with a lower interest rate ( 5.49 % currently ) and the balloon payment Ive been told is excessive and not normal, but i cant find an attorney to help me fix it. 
I will attach more information here for you to review. Please review this case for me. I feel as though I was swindled by XXXX and im getting the same result with SPS. 
Please note I have a large document ( my original submission to SPS and XXXX regarding the insurance mistake, but it is too large to upload. I can send it to u another way??
Product: Checking or savings account

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the conduct of Bank of America/Merchant XXXX I have previously filed a formal complaint with your esteemed authority, and I would like to provide additional information and request your intervention in this matter. 

Upon filing my initial complaint ( XXXX ), I was promptly contacted by XXXX XXXX XXXX the Senior Customer Relationship ManageXXXX at Bank of America XXXX XXXX XXXX not only assured me that she would be my dedicated point of contact for any issues but also offered to lower my fees from XXXX basis points ( bps ) to XXXX bps. Regrettably, this fee reduction was implemented for only XXXX month, after which the fees reverted back to their original rate. 

As a business owner and a banker myself, I find this behavior by BoA to be wholly unacceptable It is disheartening to witness a prominent financial institution like Bank of America ( BOA ) make an offer based on their own mistake and subsequently fail to fulfill their promise. Such conduct is not only unprofessional but also highlights the vulnerability of customers in this relationship. 

Customers require more robust protection against unscrupulous practices, such as those displayed by Bank of America. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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

I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXXBAL. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no clue how they got there. I review my credit report regularly, and nothing like this has ever happened before. I tried refreshing the page multiple times, hoping it was just an error, but nothing changed. I need the documents Ive provided to be thoroughly reviewed so I can finally feel reassured about my credit.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX  XXXX Balance : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX   did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXXXXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address that is showing is not mine as well as the phone numbers showing is not mine .... My correct address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX and my correct phone number is XXXX which is not correctly reflected in this report ... I also noticed my middle name is spelled incorrectly please correct it with the information that is on my drivers license which is correct XXXX XXXX XXXX. I have tried unsuccessfully to get this information updated through the online system that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am XXXX in the way this has been handled. I am sending in my this letter today with more supporting documents.
Product: Debt collection

I have sent dispute letters regarding name which is incorrect and have submitted fraudulent activity under name every month for the past 3 years and have spoken to debt collector numerous times to stop calling and harassing me because they are asking to speak to named person on letters but my name is similar but I don't go by that name. 

Amount : XXXX XXXX XXXX XXXX ( XXXX )
Product: Student loan

My co-signer passed away from  XXXX . I gave the information to  Navient,  the collector stated there was nothing he could do to help me. I am   XXXX   XXXX   XXXX   and not working. The collector told me again there was nothing I could do ... surely there are options for deaths and life circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to the credit bureaus and financial company in reference to removing late payments from my credit report because it is unlawful. I have tried to send Good Will letters as well due to my medical emergencies and illnesses but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.
Product: Credit card or prepaid card

My NFCU XXXX XXXX XXXX is a frozen state despite it showing on my credit report as an active charging card. I have made payments for YEARS and do not have access to any of these funds. NFCU is engaging in fraud. 

This is the same issue I have with my Checking Line of XXXX. NFCU keeps these dead accounts open on their balance sheets but don't allow consumers to access these funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Method Of Verification Request Accounts : XXXX. XXXX dates XXXX XXXX. XXXX dates XXXX XXXX. XXXX dates XX/XX/year>, XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can not be provided within 30 business days, I demand the late payments be removed from my report.

I am keeping careful records of our communications in case I must file a complaint to se relief and monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail. 
XXXX Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Im contacting you because The bank never sent me a notice, with an opportunity to get my car back And the bank never notified me that i have the right to purchase the car back the deficiency balance is nullified and the collection should removed from my credit report since they didnt follow the rules and now there is no legal right to collect on the deficiency balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Experian disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Product: Credit reporting

There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Trans Union and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom it may concern CC : CFPB ; XXXX XXXX Attorney General ; XXXX XXXX XXXX, XXXX XXXX XXXX LexisNexis Claims to have used a database called XXXX to verify my alleged bankruptcy and then sold this information to the Credit Reporting Agencies XXXX and XXXX. 

XXXX makes it clear that a consumer has a right to privacy. LexisNexis Going out and digging up this negative information about me is an infringement upon my consumer Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Pursuant to 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction to furnish this item. 

Attached is the document I received back from the United States Bankruptcy XXXX - XXXX XXXX of Indiana that states that they do NOT provide any information directly to any third party information gatherer. 

Since LexisNexis Claims to have investigated this Bankruptcy Pursuant to 15 usc 1681a- ( e ) XXXX states that in order for LexisNexis to have conducted an investigation they have to have spoken to neighbors, friends or associates etc, and if LexisNexis spoke with them the information Provided can not be factual. 

So now I need to know who LexisNexis Consumer Services Spoke with? 

If this can not be provided I demand that bankruptcy be deleted immediately and updated with XXXX and XXXX. 

Attached are all the documents required to verify my identity ( Which I have already provided you with several times ). 

This is my final attempt to resolve this before pursuing litigation as this issue has caused me XXXX, XXXX, and defamation of character if Lexis Nexis is unable to resolve this issue due to violations committed to me, the consumer, a natural living person. 

XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items 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/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EQUIFAX. In my credit report from XX/XX/, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.
Product: Credit reporting, credit repair services, 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. 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 : 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 seven 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.