23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BSI Financial Services ( BSI ) has made multiple errors and violations of federal law while servicing my home mortgage. In less than 2 years since BSI acquired my mortgage, BSI has : ( 1 ) illegally failed to make the XXXX annual insurance payment on time ; ( 2 ) illegally failed to make multiple Washington, D.C. property tax payments on time ; ( 3 ) illegally paid D.C. property tax penalties and interest out of my escrow account ; and ( 4 ) as a result of its delinquent property tax payments, caused me to have a remaining balance for my XXXX property taxes. 

I have spoken to the BSI customer service department twice. In both cases they were unable to explain why these errors occurred and why they have failed to correct the problem. The customer service representatives refused to escalate my call to have these matters remedied. During the second call, I was advised to submit my concerns via email, and my account would be flagged for a response within 48 hours. I provided an email with all relevant facts and supporting documentation on XX/XX/XXXX and have not received a response as of the date of this complaint. 

I have made 100 % of my mortgage payments on time and in full. 

BSI and the CFPB entered into a consent order on XX/XX/XXXX. The consent order requires BSI to maintain serving systems, policies, and procedures reasonably designed to ensure it can ensure accurate and timely disbursements on all escrowed loans. The issues we have experienced with BSI demonstrate that whatever policies it has in place are not sufficient to ensure timely disbursement on escrowed loans, and BSI is in violation of the terms of the consent decree. BSI 's actions violate the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq. ) and Regulation X ( 12 CFR Part 1024 ), and they constitute unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( 12 U.S.C. 5536 ).
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,
Product: Student loan

In XXXX of 2016, I arranged to settle my account with Navient. The agreement was that if I paid half of my total balance due, that they would agree to settle the remaining balance since the account was 10 years old and in good standing. 2 weeks after I made my payment and was told it was settled and I would receive a letter in the mail stating so, they have been trying to collect the remaining balance that they agreed to write off/settle. I have contacted Navient several times explaining the situation and each person confirms the account is settled. Now I am getting past due payment statements that will probably end up reflecting on my credit report. I want this resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX received an notification from Experian that my credit decreased XXXX points due to an collection account that I have No knowledge of on XX/XX/2023, no one havent contacted me about this unknown collection balance for {$950.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then ask the credit Bureau for a verification for the collection so they did and stated everything was accurate. I did a review on the report and theres no information was shown that the debt belongs to me. I asked for verification such as Address, phone number, contact agreement, signature and witnesses for confirmation. This collection is forcing a debt on my credit report that is impacting my score tremendously and is unfair. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

1

5 U.S.C 1681 secion 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX for Debt Validation Dear XXXX XXXX XXXX ], I am writing to request validation of the debt referenced in your recent communication dated XX/XX/year>. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the alleged debt. 2. The name of the creditor to whom the debt is owed. 3. A copy of the original agreement that created the debt. 4. An itemized statement of the account. 5. Verification that you are authorized to collect this debt on behalf of the creditor. During this validation period, please cease all collection activities until this information is provided. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt or credit management

On XX/XX/XXXX, I made an online purchase on the XXXX website and chose AfterPay as my payment method. Upon going through this automated process, the AfterPay app approved the purchase and immediately withdrew the first of 4 installments from my checking account ending in XXXX. The total purchase amount for the prefab countertop was {$130.00}. However, the AfterPay app timed out before it connected back to the XXXX system to show a successful transaction and to give me an order number. Nonetheless, I rented a truck and went to XXXX to pick up the countertop. To my surprise, XXXX did not have a record of the transaction. I spent the next 3 days going back to XXXX speaking with XXXX after XXXX. The Managers could see the transaction attempt but no approval. On XX/XX/XXXX I spent 5 hours working with the Store Manager and their back office customer service. AfterPay ( who only communicates via text in the app had requested a written statement from XXXX saying that they have no record of an approved transaction for this item which I provided via the app to AfterPay.

So, AfterPay launched their own investigation with XXXX which yielded the same results. Even though AfterPay was formally made aware that XXXX has no record of an approved transaction and that I never received the merchandise. AfterPay has continued to deduct money from my account and have requested further payment while refusing to refund me the money that I already paid so that I could re-purchase this item before the product runs out.

I have made several requests for a refund and even explained to them that I would re-order the item through them so that they don't lose the business. I have a contractor waiting to install the countertop that is stuck in dispute.

Yet, AfterPay has refused to refund me indicating that the matter is still under review and that they are trying to determine where the payment went.

However, I informed them that I am not responsible for a faulty software system or transaction. I made a loan agreement to purchase a product in 4 installments - once they were made aware that I did not receive the product and that XXXX had no record of this transaction, I should have received a refund. I as the consumer can not be held accountable for system glitches, errors or failures and I can not be required to pay for merchandise that I never received.

Please help me to resolve this matter. I have been fighting with them for more than 20 days and we have gotten nowhere.

Thanks in advance for your assistance. 

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

Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with
Product: Debt collection

Subject : Formal Request for Rectification of Credit Report Errors Dear Experian, I am writing to address discrepancies present in my credit report, which have recently resulted in denial of credit. It has come to my attention that inaccurate information has been included in the report, necessitating immediate rectification. Specifically, I request the removal of the following accounts : Account : XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

I want to emphasize that I did not authorize the inclusion of these transactions in my consumer report. Therefore, I formally request the blocking and expungement of these accounts from my record. This request is made in full compliance with relevant laws and is not based on any misrepresentation of facts. 

Your organization 's actions may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits the inclusion of information solely based on transactions or experiences between the consumer and the reporting entity in consumer reports. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. Additionally, I demand access to all documents supporting the reporting of the aforementioned accounts, as per the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). 

Failure to comply with these requests within 30 days will result in legal action, including seeking {$1000.00} per violation, for defamation of character, civil liability, and violations of the Fair Credit Reporting Act. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, Tx XXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX 2. Security Freeze Request : XXXX  I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
XXXX  This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : XXXX  A copy of my drivers license or government-issued ID. 
XXXX  A copy of a recent utility bill or bank statement confirming my current address. 
XXXX  A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is 5 yrs. and 6 mos. old. It was opened XXXX XXXX, 2015. This account has reached the statue of limitation. XXXX XXXX XXXX has ghosted my social security number and it shows on my credit report that I owe them {$67.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

reinvestigate please. 
It has been brought to my attention that XXXX XXXX has listed NON-SUFFICIENT FUNDS on my ChexSystems file. To my knowledge, I have never had Checking Account with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. To my knowledge, I have never had negative listing with XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX including copies of any documentation associated with this negative listing which bears my signature. In the absence of such documentation, I request that this negative listing be permanently removed from my ChexSystems report.

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.
Product: Debt collection

I had tow account in collection that are on my credit report with Midland Credit management that are over 8 years of age and no responce from XXXX and one account is not mind XXXX
Product: Debt collection

On XXXX XXXX I went the a court hearing because I was served a court order from the XXXX XXXX sheriff 's office, ordered from Midland credit management and the case was dismissed.
Product: Debt collection

This is for past due rent. 
Around a year ago, I had raised questions about why I owed XXXX $ ( there or about ) when the original amount was XXXX $ ( there or about ). 
When questioned they sent me a receipt of any damages, past due rent etc, which also included a pick up collection fee of XXXX $ ( there or about ). I found the CFPB website, and upon contacting Rentdebt automated solutions on XX/XX/2023, I was told the agent could not help me since I lived in Minnesota. So I attempted again XX/XX/2023, and when I questioned the representative about the CFPB website, I was informed that I should not be googling things, like how a when you go to doctor and you start googling things about what the doctor said. I had informed her, this was an official government website, I was informed the website was wrong Since we are collection agency we can charge a pick up collection fee, since it is for rent/property. 
I havent signed anything stating, a fee could be added/interest could be added. The representative told me the only 2 solutions are make a settlement amount, and or pay monthly/bi weekly/weekly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Original creditor AT T XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXA Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
Product: Debt collection

I pulled my credit report on XX/XX/2022 and noticed there is a debt under my name for a broken lease at the XXXXXXXX XXXX XXXX. The company then sold the account to National Credit Systems. My identity was stolen and used to open this account without my prior knowledge nor my consent. It is affecting my credit as we speak in a derogatory manner. I have submitted a complaint with the fraud departments for all three major credit bureaus and will be filling a complaint with my local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my house and my credit scores which normally are in the XXXX  's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XXXX XXXX, 2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from Experian stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information. 
I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit card or prepaid card

On XX/XX/2020 I entered into credit counseling and Incharge debt began to manage all my credit card accounts including Citi. 

I noticed a 30 day late notice on my credit report for the month of XX/XX/2020, so I called CITI to have corrected. At this time I found out over the phone that CITI had turned off my automatic payments to the account before the payments began under my credit counseling agreemnet and they did so without informing me. 

I had previously enrolled in automatic payments with CITI due to past problems with their website and being able to make payments. Their site constantly had errors that prevented me from logging in to make payments, so I enrolled in autopay to avoid further issues. When they cancelled this without informing me, due to this and not receiving a bill, I was not given notice that there was a bill to paid. 

When I disputed the issue CITI did not fix or address the issue.
Product: Debt collection

Kohl’s continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.
Product: Debt collection

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.