23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I obtained a current copy of my credit report from all 3 credit bureaus XXXX, XXXX, and XXXX. I learned that XXXX XXXX XXXX XXXX had reported a balance of {$5700.00}. I previously received a phone call from several months ago and and they stated I owed a balance. At that time I requested documentation in the form of a itemized billing statement and all notes associated with this debt they stated I owe. XXXX XXXX XXXX XXXX never complied with the request so, I figured it was a bogus attempt and the they wouldn't contact me again and they did not. I received nothing from them. Approximately 1 year later see this debt has been reported to the credit bureaus. I have disputed this debt with all 3 credit bureaus and this info remains on my credit report. Also, I contacted Capital Accounts ( who reported the debt ) and requested verification of this debt in the form of an itemized billing statement and their reply was they do not have one on file for this account. They continue to report this erroneous information inspite of not having any valid proof and have ignored my request for documentation as well as my request to remove this item from my credit profile. I am entitled to by law to receive proof of this debt within a timely matter and I have yet to receive a billing statement with the lawful time period.
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 XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, DEPTEDXXXX  : XXXX, US DEP ED : XXXX, USDOEXXXX : XXXX, US DEP ED : XXXX , US DEP ED : 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 an 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

You have violated my consumer rights under fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of metro 2 format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B as this account does not belong to you and as been resolved.
Product: Mortgage

I refinanced my HELOC in XXXX of 2015 from Ocwen to XXXX XXXX XXXX. On XXXX XXXX 2015, my representative from XXXX XXXX XXXX sent a check to Ocwen in the amount of {$91000.00} to pay off the HELOC. This check was received by Ocwen in XXXX XXXX XXXX, FL and was signed for, however the check was never deposited. XXXX XXXX XXXX called to inquire and then sent another check for {$91000.00} on XXXX XXXX, 2015 which again, was received and signed for but never deposited. I have tried numerous times to resolve this issue with Ocwen. My calls always go to a " global help desk '' in XXXX and they are not able to send me to a manager or give me a US phone number to reach someone in the FL office. It is now almost 4 months later and Ocwen will not help me resolve this, they ca n't even tell me where to send a check at this point. Meanwhile, I have XXXX HELOC accounts for {$91000.00} each, XXXX interest payments and my credit score has dropped significantly because of this problem with Ocwen, causing problems when trying to buy a car today due to my lowered credit score. We have worked with XXXX relationship managers and XXXX escalation managers. After over XXXX emails and hours upon hours on calls with Ocwen they seem to only be interested in keeping the account open to earn interest.
Product: Mortgage

I would like to file a complaint against my mortgagee, Servion , Inc . The banks processes appear to be designed to, at worst, create a series of steps which are difficult for its customers to meet to correct a an error caused by Servion, and at best, the mortgage company is grossly incompetent. In XX/XX/2022, I increased the amount of my insurance coverage for a property I own. Servion is the mortgagee and holds an escrow account. Servion failed to pay an increase from the insurance company for the increased insurance cost from my escrow account. This caused the insurance company to cancel my insurance. After communicating with Servion and the insurance company, I was able to get the mortgagee to pay the amount due so that my insurance was reinstated. Today, I received a letter from Servion stating that because I do not have insurance on this property, the company is going to obtain insurance on the property and send me a bill. The letter is completely incorrect. I do have insurance on the property, Servion has a record of payment being made from my escrow account and had significant involvement with getting my insurance reinstated. The letter provides an option for insurance verification, via a website. I visited the website this morning and attempted to upload photos of the letter from my insurance company demonstrating that I have coverage. the website only accepts PDF or TIFF files, it does not except photos or JPEG images. That means that a consumer can not take a photo of a letter and upload it to the site as proof or verification of insurance coverage. I was able to turn a photo into a PDF so that it complied with the sites requirements, but the website only accepts images that are less than XXXX MB in size, which is less than a standard phone camera photo size. There is no logical reason for the file size, limitation, or restricting the files excepted to only PDF or TIFF files. As a consumer, Servion has created numerous loopholes to jump through in this process, and it appears to be designed, and set up in a way, so that consumers will fail. 

In summary, Servion failed to pay my insurance bill, failed to recognize that my insurance had been reinstated when the company is the one that paid the bill, and created a process to prove I have insurance that is onerous, which would never have lapsed, but for Servions failure.
Product: Credit reporting or other personal consumer reports

I asked Experian to investigate an account that appears to be reporting inaccurately. That account is listed as an XXXX under XXXX XXXX XXXX ( {$9600.00} ). This account has been reporting inaccurate information for several months now. Inaccurate open and closing dates, balances, last reporting, and payments disclosed. This account is reporting illegally and disrupting my ability to purchase a home.
Product: Credit card

I have never been late on either of my other XXXX credit cards. In XX/XX/XXXX I had made a purchase using instant approval at Macy 's in order to benefit from the advertised extra savings. I never received a credit card or a statement from them until today, XXXX XXXX. In XXXX, I spoke with someone who said she would be re-sending both the statement and card to me. On XXXX XXXX and XXXX XXXX, I received eight phone calls ; thinking the calls were telemarketers, I did n't answer at first. When I did answer, I was rudely threatened that I had to give the routing number to my checking account in order to stop being harassed. Still suspecting fraud, I told the man that I felt uncomfortable with the arrangement, but that I would go into the store to pay the balance in full, which he said he would put in his notes. I asked the man to add the comment that I am happy to pay what I owe as long as I know what the balance is. Two hours later at the store 's customer service, I did pay the balance verbally told me although I still had never received a statement. Today in the mail, I received the statement. To my horror, it showed a late fee. One, I would like to be reimbursed the late fee. XXXX, I would like a letter sent to the credit bureau explaining that the error falls on Macy 's for not promptly sending its statements to its customers. An impersonal organization is wrong to blame and penalize an overly conscientious individual for its poor bookkeeping.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX XXXX : XXXX XXXX : XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX TransUnion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX : [ not listed ] XXXX : [ not listed XXXX TransUnion : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.
Product: Debt collection

You have 100 % left to pay on this collection. 

Balance {$1500.00} Highest Balance {$1500.00} Opened XXXX XXXX, 2021 ( XXXX yr, XXXX mo ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU LATE PAYMENT DISPUTE with Chase XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Dear Sir or Madam : I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of Chase for nineteen years. Ive always made my payments on time, but unfortunately, I recently made a mistake on XX/XX/XXXX. 

I understand how important it is to make timely payments. However, I missed my payment because my husbands XXXX XXXX that was in remission came back. I had turned off my auto pay with the intent to pay my balance in full and missed both my XXXX and XXXX payments because of the stress of the XXXX my husband underwent. As soon as I realized my mistake, I paid the balance in full of {$3900.00} on XX/XX/XXXX. 

As a person with a credit score of XXXX all of my life, I have never missed a payment to Chase, or any other creditor. As you can see from my account history, I have a long record of on-time payments before and since the late payment. This mistake cost me over 60 points on my credit score and I am sick about this. 

As a courtesy, I respectfully requested that Chase make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Although Chase sympathized with my cause enough to credit me the {$39.00} late fee, they have still reported my credit account as delinquent and this is affecting my credit score. At one point, someone at Chase told me that they would see what they could do. When they forwarded my case to their Credit Bureau team, the team would not help me. I have been a pay-in-full customer for 19 years, and because of this relationship and record, I have asked for a goodwill gesture to remove the delinquent note, and they have refused. 

My track record is proof that I take my financial obligations seriously and I implore that you help Chase XXXX see that I am a customer worth offering this gesture of goodwill this one time only. 

This behavior from Chase makes me want to stop using Chase, even if I can't close the account. 

If you have any questions, or if you would like to speak with me in more detail, please call me at XXXX or send me an email at XXXX Thank you for your consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account numbers XXXX ; XXXX ; XXXX ; XXXX.. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is  impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Student loan

I have contacted Nelnet a year ago to make a {$9000.00} payment and agreed with them to pay {$9000.00} per year which is more than one year of payments. They agreed with this and said they would make a note of it in my account. Last month I received a payment due email, so I called them, and they were confused, and had no record of the {$9000.00} payment agreement. I uploaded a document about this to their customer service. Yesterday I got another email about payment due, and this time the payment was {$160.00} more then last month. Clearly they don't understand simple math. With me only doing subbing as a teacher than working a full time teaching job ( long story ) we live month to month. This " annual '' payment is being taken from my husbands IIRA account following the instructions of our tax advisor. We don't have any more money for their random billing. Thanks.
Product: Credit reporting or other personal consumer reports

i have an unfamiliar account on my Transunion credit report. That account is from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX This account is Addressed to a XXXX XXXX XXXX from XXXX XXXX XXXX, My name is XXXX XXXX XXXX XXXX XXXX IL XXXX See attached documents. This is clearly not me and I would like this account removed from my Transunion credit report immediately. This is already in a litigation state and my next step will be in a XXXX XXXX XXXX to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting Act 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 Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Experian fail to do a proper reinvestigation on XXXX by updating accounts that are incomplete and inaccurate. On XX/XX/year> I reach out to experian and I spoke with XXXX a Representative for experian. These accounts that are reporting inaccurate payment history have stop me from receiving employment, with no employment I cant feed my family. I am not seeking Litigation against Experian and the finisher. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Experian Information Solutions Inc. is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXX   reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.
Product: Debt collection

I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT.
Product: Credit card or prepaid card

I disputed a charge from XX/XX/21 from XXXX on this card. This company and its associated airline are a fraud and American Express is enabling them : They changed my flight time to 12 hours later and then changed it to 24 hours later the next day. I tried several times to call the airline customer support to get a refund before the day of flight and they either never answered the phone or pretended not to hear me and hung up. XXXX was the same. Neither had an email address, just phone # s. I then went to the airport and I was told the flight was cancelled ( confirmed by the attached email I received ) but they could not refund my ticket and I would have to call the non-functional customer service! This is a scam. In XXXX XXXX 's terms it states I can get a refund for cancellations clearly. I had to take a more expensive flight the same day because it was impossible dealing with these two companies. It's really shocking how poorly American Express treats members of its most expensive platinum card. I will be cancelling this if the situation is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first signed up for Self I paid three months in advance. My account was originally supposed to end in XXXX of XXXX, however, since I paid three months prior, it ends in XX/XX/XXXX. Self is reporting to the Credit Bureaus that I have been late for the Month of XX/XX/XXXX BUT as I stated before, I paid three months prior. So youre meaning to tell me my account ends early since I paid three months in advance but its not eligible to be reported as PAID in XXXX. It makes no sense whatsoever! I have sent a GOODWILL request to remove the FALSE INFORMATION that is being reported but theyre not complying. Theyre stating my account is only eligible to be paid one month in advance. If thats SO TRUE, why is my account ending in XXXX OF XXXX if its supposed to end in XX/XX/XXXX if you all dont accept three months in advance payments? This FALSE late payment on my credit profile is hurting my reputation to other companies when in fact I have paid my account not only ON TIME but 3 months in advance early! Please have this issue resolved as it is not fair and accurate to me.
Product: Credit reporting or other personal consumer reports

The collection company is reporting to Equifax that the first delinquency happened in XXXX. I provided proof that the first delinquency was months before
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report