23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar is the servicer on my loan and makes payments from the escrow it holds for taxes and insurance. 
My insurance agent sent on XXXX/XXXX/XXXX a certificate of insurance for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and an invoice in the amount of {$4300.00} ( copy enclosed ). This invoice was not paid by Nationstar until XXXX/XXXX/XXXX ( proof enclosed ). In the interim period on XXXX XXXX, XXXX Nationstar issued a check number XXXX on a false and fraudulent invoice to a XXXX and check cleared XXXX/XXXX/XXXX. I finally got this payment information from Nationstar on XXXX/XXXX/XXXX after many calls and complaints. I was also given the policy number XXXX and the general phone number for XXXX XXXX XXXX ( XXXX XXXX XXXX and the accounting department XXXX XXXX XXXX and told to contact them for a refund. I have contacted that number and been told that the agent is out of the office and will return my calls. I have also requested from Nationstar a copy of the certificate of insurance issued by XXXX XXXX for the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and none has ever been produced. 
I only became aware of this double payment when I was doing my income taxes for XXXX in XXXX XXXX and noticed on the prior escrow analysis ( copy included ) that Nationstar paid out of escrow {$4300.00} in XXXX XXXX and {$4300.00} in XXXX of XXXX. I had never received any notice from them regarding my property insurance after they double paid. Basic escrow management of insurance disbursements were ignored in a negligent manner. If I or my insurance company had been notified in XXXX of XXXX regarding this double billing we would have solved it. Since this double payment was a result of their negligence to follow basic requirements I should be reimbursed for their error and proper adjustment made in their procedures to avoid having this happen again. I have no idea who this XXXX XXXX XXXX is and never authorized their coverage. Nor should it be my responsibility to unwind their error and seek the reimbursement myself. 
This sloppy management gives my concern that Nationstar has far wider problems with servicing their loans and escrows and should be investigated further to get at the source of this mistake and if this is a systematic source of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gotten some suspicious calls and suspect my identity 's been stolen. So, I decided to freeze my credit. I followed the link on the FTC 's website ( https : //www.consumer.ftc.govXXXX XXXX XXXX  ) for this and completed Equifax 's online form. I provided some information, but they said it was incorrect and asked me to call a phone number. 

When I called the number, I wasn't able to speak to a person. The phone message asked me to mail proof of identity to a PO Box but didn't provide any instructions on what to send. 

I then chatted with a customer service rep who gave me this website which just pointed me to phone numbers and sites that I'd already unsuccessfully tried.
Product: Credit card or prepaid card

On XX/XX/2019, denial for a Chase Sapphire Visa Signature account was received with incomplete information about the denial. No response was received form the company as requested by correspondence dated XX/XX/2019. Without that explanation, it appears the company is using age discrimination as part of its business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2019, I was not in the right mental state and, subsequently, was admitted to a mental health facility. It was during this time that I obtained the loan from OneMain Financial. I was advised by a representative from your company that obtaining this loan would help build my credit. However, I was also coerced into purchasing additional insurance as a precautionary measure. 

As a result of the XXXX XXXX I faced significant challenges in paying off the loan, as I was unable to work due to my mental health condition. I was informed that I needed to be collecting unemployment to qualify for the insurance coverage that would assist in paying the monthly bill. This placed me in a precarious financial situation, compounded by the fact that I was also undergoing outpatient treatment for my mental health. 

It has come to my attention that the CFPB has issued an order against OneMain Financial for deceptive sales practices and failure to refund interest charges to customers. This order highlights the unethical practices that were employed during my interaction with your company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account twice with XX/XX/XXXX and Transunion due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. XX/XX/XXXX and Tranunion have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with XX/XX/XXXX and Transunion stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the Inaccurate items in my file that resulted from the erroneous items but I still have ITEMS left that needed to be removed. This is my another complaint attempt to dispute the information in my credit file which resulted from an incorrect credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any information in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  I ( Original Creditor Name : XXXX XXXXXXXX XXXX ) Opened XXXX. XXXX, XXXX  Balance {$160.00} Collection Inquiry in Dispute : XXXX XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Credit card or prepaid card

In XXXX I took out a home equity loan to pay credit card debt. I recieved the loan from XXXXXXXX XXXX for the XXXX XXXX they Disbursed checks on XX/XX/2023 to five credit card companies. of which 4 posted the payments to my acounts with in 1 to 3 days from disbursement of checks. Santander Bank was 1 of the cards being paid. They claimed they never received the check. When I called them approximately 2 weeks after the disbursement of the checks. I talked to XXXX she gave me a reference number # XXXX I call a few more times about this. On XX/XX/2023 I talked to XXXX and told me they had not recieved the check. ON XX/XX/2023 I contacted XXXXXXXX XXXX about the problem they put a stop payment on the original check and sent out another check to Santander Bank with delivery notification which told them the check was recieved by Santander Bank XX/XX/2023. Santander Bank is claiming they have not recieved the check again. I have a new reference number XXXX. I am paying interest on money I don't owe them. Please Help Thanks
Product: Credit reporting or other personal consumer reports

Equifax is the only credit bureau that has been unhelpful to me as a consumer. I can't even see my dispute information without having to mail in documents. They require me to mail all documents when I'm just trying to figure out what's going on with a dispute. The automated services have representatives who barely speak XXXX, making it hard to understand the names of lenders or creditors. I feel this is a tactic to prevent proper verification. 

They have us take pictures of our ID and a selfie, only to deny verification. This credit bureau solely relies on this system for verification. XXXX, a supervisor, mentioned that Equifax is controlled by a verification system and that I will have to mail in documents because their system can not verify me. 

When I contacted customer service, representative XXXX transferred me to a XXXX who was not helpful in assisting me. 

Customer service representative XXXX informed me that I need to send an update for my drivers license and a copy of my social security card. When I asked to speak with another supervisor, XXXX told me that my information needs to be updated on my license, even though everything has been the same since my previous dispute. This is frustrating and all because their system can not verify me. 

I also spoke with customer service supervisor XXXX, who mentioned that he could not access my account and did not disclose any information because he did not want to say anything. However, a representative noted something in my charts. 

I was just verified on Monday, XX/XX/year>, and none of this was mentioned to me then. Now, today on XX/XX/year>, I am being told something different. This inconsistency is unacceptable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

Synchrony Bank XXXX credit card Transaction date : XXXX Amount in dispute : XXXX ********************************************************** Explanation of complaint : Made payments of {$990.00} and XXXX over and above the " minimum due '' to pay the full principal amount remaining on expiring promotions. However, come to find out that heir system does not apply payments to an expiring promotion, it allocates them across all transactions, nor does it take an adequate amount through " auto-pay '' to cover expiring promotions. This despite the fact that their auto-pay enrollment pitch includes claims that you '' never miss a payment '', etc. Which is just a deliberate half-truth. You won't miss a payment, but they won't allocate those payments so as to prevent the promotional balance from defaulting so they can assess the deferred interest. 

Customers have to call in, fight their way through an automated phone system, hope to get a live representative that is actually helpful, and then request that payments over-and-above the minimum billed as due for the month be applied to the expiring promotions. If you do not do so, Synchrony 's system allocates the payments across all balances and assesses the accrued interest charges on the expiring promotion ( s ) ( supposedly no-interest for varying periods ranging from 6 mos to 36 mos if timely payments are made ). 

In addition, sending any payment greater than the minimum due ( i.e. the full amount of an expiring promotional balance item ) prevents the auto-pay from occurring, causing further issues. It is all unfair and deceptive!! They have made it as difficult as possible to avoid having the interest assessed on expiring promotional balances despite making all payments on time. I don't think any of it is any accident. 

Business Name : Synchrony Bank - credit card XXXX XXXX XXXX XXXX, FL XXXX Bus Phone : ( XXXX ) XXXX Website : XXXX : XXXX? XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid an old account a couple years ago however it is still showing as active and currently in collections on my credit report. 

I have reached out via phone and email to the reporting company however I was told via phone and email that they will not make any changes. 

Fair Collections & Outsourcing , Inc . 
XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX )
Product: Credit reporting or other personal consumer reports

Previously filed a complaint with cfpb but important documents didnt upload. Take this dispute as accurate and disregard the former complaint. 


I am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. Payments were satisfied for XXXX, and XXXX. A pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section XXXX681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX. 
XXXX : XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Transunion, XXXX, XXXX )
Product: Money transfer, virtual currency, or money service

I was double charged twice using Zelle. My money was never returned to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove it.
Product: Credit reporting or other personal consumer reports

Hello, I am writing you with deep concern of an item that has been in dispute with XXXX XXXX since XX/XX/year>. XXXX XXXX reported XX/XX/year> payment as late to the credit bureaus, however, the payment to XXXX XXXX was made on XX/XX/year>, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/year> was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within XXXX XXXX grace period also. 

The proof is attached on my payment records to XXXX XXXX. 

Please assist me as the dispute has continuously been rejected/denied by XXXX XXXX and Credit Bureaus . 

Thank you, XXXX XXXX
Product: Debt collection

I was left a message by a " courier company '' about documents that supposedly had been left at an office and I need to call about. or they were going to call for legal action. If I did n't contact them by end of the day, they would come to my work or home. When I called, I got a mediation company, who then said they were transferring me to some legal firm. The person mumbled a name and when I asked him again, he would n't repeat it. I was then sent to some kind of a legal specialist..that was the XXXX person I talked to. They said it was too late to do anything, they were filing papers to take me to court, that I was more valuable that way. They said it was a debt from a credit card not paid on, and it was too old to dispute it, so I had to pay today, and agree to give them money. I could n't even get a clear idea of what they wanted from me, then they said I needed to authorize an amount to give them and give them a credit card number or check number. Still unclear of what the debt was or proof that it was me, said they were recording me and I had to swear under oath to give them this money. Then another person came on the line, saying I had to agree to the money right now, then the whole conversation went nasty. Started calling me names, told me I was a piece of XXXX, said they were coming to my home, belittled me for the way I lived my life, started reading off information about my children and how pathetic I was to have debt and how I was no good. He started screaming at me when I would n't give him any money information, kept saying how they were going to take away anything I had and freeze all my accounts, then said if I did n't agree to pay him now, I would end up in court and said I was more valuable that way..he would n't stop calling me names. He kept coming up with different numbers to pay him, and kept taunting me to make an offer that it was recorded and that I was swearing to pay that amount. I was given no ID, no full name, I do n't even know this was for me. I finally got him to admit someone had bought this debt and he was trying to get money for it, and said I was garbage for not being responsible.
Product: Credit reporting

XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Inaccurate information is contained on my XXXX, XXXX and Equifax credit reports. I have started a dispute with all companies and the inaccurate information has not been removed. The inaccurate information includes name, address, phone numbers and collection accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  these Creditors have violated my rights. 15 U.S Code 1681 Section 602 A. States I have the right to privacy.15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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