23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wish to file a complaint regarding deceptive practices done by XXXX XXXX of Supreme Lending. 

First, I was told I was not able to ask for forbearance on a property. Then I was lied to by XXXX. I have a property that had a fire and was recommended that I do a short sale. The property investor was XXXX XXXX. I provided all the required documentation to the lender. XXXX said that XXXX XXXX required another inspector to view the property and that he had to process paperwork thru you. He was stalling the process because he knew that the loan was going to be sold to another service provider. I was assured by XXXX that he would work with the new lender to finalize the sale. I emailed and called him daily from XX/XX/XXXX thru the XXXX knowing that the contract deadline was XX/XX/XXXX. He ignored all my attempts to contact him. On XX/XX/XXXX, I called the new provider. They told me that they had no knowledge about any of this and that the only documentation send was from XXXX. I called XXXX numerous times and emailed, which were ignored. I called the main line for Supreme Lending. 

While talking to a service rep, who was in contact with XXXX, I saw on my phone that my number was being blocked from further communications. Then they hung up on me. I tried to call Supreme again but after a few moments, the system disconnected me. 

On XX/XX/22, I filed a complaint with XXXX XXXX XXXX XXXX regarding the deceiptful tactics. Today XX/XX/22, I get an email from XXXX that he sent the files over today and to work with the new lender. Since XXXX sent the paperwork over today, he basically sat on my paperwork for a month doing nothing. XXXX XXXX continuously lied, stating that paperwork was held up by XXXX XXXX. He inconvenienced myself, my realtor and buyer with all this deceitful stalling just so he could push the loan off onto another lender. And, by the way it took 20 months of working with him to get to the point where I could attempt to sell. 

The first email is a thread showing us working toward providing XXXX with all requested forms. 

He was supposedly working with the new service provider to ensure the sale of the property, yet the email I received from him XX/XX/22 states he was sending over the packet today. I called the new provider and they had no knowledge of this.
Product: Checking or savings account

There are multiple instances of my account being charged from XXXX. They have no record of anyone with my social having an account with them yet somehow I have been charged numerous times. I reported my card as stolen and got a replacement only to this to be an issue once again. Then on XXXX I called chime directly to open a dispute for multiple charges including the one on the new card. They have now closed the complaint with zero recovery of the funds and apparently have done nothing to even verify that the account XXXX is charging me for even belongs to me and have not verified my date of birth or last 4 of my social with XXXX because if they did I would have my money back.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Totota Mtr - XXXX ( XXXX ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Product: Credit card

Elan Financial closed my account without any notice. It took two phone calls about why my card was not working to be told that they had decided to close my account. This was 2 weeks before I called them. When I asked for the legally required notice of account closure, via mail, I was told no. They advised that I would have to call back and speak to another department as they had sent the notice already. I asked for proof of delivery as I had not received this notice, and as such they should be able to resend it. They absolutely refused to do their due diligence and send me the written notice so that I could possible address their concerns. My app, portal, and every log in I have all show this card as active as well.
Product: Debt collection

This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
<P/>
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/>
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
<P/>
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
<P/>
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
<P/>
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
<P/>
Sincerely,   XXXX   XXXX
Product: Mortgage

On XX/XX/XXXX I overpaid my 2nd mtg by {$1200.00}. I by my mistake sent in a check in the amount of {$1600.00}, but it should have been in the amount of {$370.00}. When I found out my mistake while reconciling my bank statement, I immediately called Select Portfolio Servicing and let them know my mistake and asked them to send me the difference I overpaid via a check by mail. This call was made back on XX/XX/XXXX. Since then I have made numerous follow up calls regarding my check, each time I have been given the run around about receiving my check. I have been told it was mailed out regular mail on XX/XX/XXXX, I was told by supervisor XXXX XXXX ( XXXX ) on XX/XX/XXXX that the check was overnighted via XXXX on XX/XX/XXXX but could not give me a tracking # because cashier dept was closed at the time and he would call me back the following day ( XX/XX/XXXX ) with that info. XXXX called me back the next day ( XX/XX/XXXX ) and said there was no tracking # to be found so he requested that they send out another check via overnight, but again he said that he would have to contact cashier dept again to get the tracking # and he would call me back, but he never did. I have sent them a copy of my bank acct statement that the funds where withdrawn from my acct as proof that they requested and to this day I have received nothing but stories.
Product: Credit reporting or other personal consumer reports

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXE-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXE-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is a third party debt collection company that continues to furnish medical debts on my consumer report. Also they continue to contact me about this alleged debt from various phone numbers which is harassment and abuse. I do not know whom this company is, and I have no legally binding contracts with them. I sent them a letter to validate this alleged debt on XX/XX/2021 and I still have not heard anything but I did receive a return receipt.
Product: Credit reporting or other personal consumer reports

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT XXXX XXXXXXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax regarding information on credit report. Equifax sent a letter back stating that they did not locate a credit file for me. As this is incorrect information, because I am able to see information reported from Equifax on XXXX XXXX and XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I received the attached email, notifying me that my XXXX billing statement was sent beyond the normal 21 days prior to the due date. Shortly, thereafter I contacted Mohela and confirmed this statement : If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you may contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month.

Mohela confirmed that I was owed a refund and would process the refund. I was never paid this refund. 

In XX/XX/year>, my account was transferred to XXXX. XXXX has also not given me this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason XXXX  XXXX XXXX decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reporting these account that doesnt belong to me but its on all my XXXX credit burea. I only have XXXX XXXX limit at {$500.00}, XXXX XXXX  ( Closed ), and XXXX XXXX at {$6200.00} everything else is incorrect. 
XX/XX/2022 AMex {$9400.00} XX/XX/2022 XXXX XXXX  {$120.00} XX/XX/2022 XXXX XXXX XXXX {$470.00} XX/XX/2022 XXXX {$1000.00} XX/XX/2022 XXXX {$150.00} XX/XX/2022 XXXXXXXX XXXX {$320.00} XX/XX/2022 XXXX XXXX XXXX {$520.00} XX/XX/2022 XXXX XXXX {$400.00} XX/XX/2022 XXXX XXXX {$1000.00}
Product: Debt collection

Someone used my information to open up several accounts. That opened 5 retail accounts and bought a couple of cars in my name. The retail accounts were turned over to Midland credit management and they had filed a lawsuit against me. I disputed them and they stopped the lawsuit and than sent me a letter saying that they finished their investigation and I was liable for them. They said if I had other information to submit they would investigate again. I sent them police reports copies of the girl who used my information and they still said I was liable. They have now filed another lawsuit against me.
Product: Debt collection

Portfolio Recovery Associates , LLC. located at XXXX XXXX XXXX, XXXX, VA XXXX PN # ( XXXX ) XXXX. On XX/XX/2017 open a XXXX debt collection on me acct # XXXX ref # XXXX with there company. As well as, attached that XXXX  debt to my XXXX credit report which I was never notified from them about the alleged debt they claim i owe them. 

First of all, I have never heard of this company in my life. They have never contacted me by phone or mail about this debt issue in the four plus years this debt been placed on by them. Secondly, I have never signed a contract with them or any other service agreement with this comany. Thirdly, this company has been violating my Consumer Proctect rights for over 4 years.
Product: Debt collection

Medical Data Systems , Inc. failed to validate the debt in question per my written request opting instead to attempt to merely verify said odious debt. 

Furthermore, I was fully absolved of any debt by the creditor in writing on XX/XX/19 Said alleged creditor never proved that I submitted any false information that would have legally invalidated my debt being absolved. Instead, they have broken the terms of their statement of debt forgiveness unilaterally. 

Now I've received correspondence from MDS , Inc., attempting to illegally extract capital from me and stating that they have notified the Credit Reporting Agencies of this false debt as though it were genuine.
Product: Credit card

They claimed to avoid interest 2 consequently statement must be paid in full. they required two consequently payments to be made in full on time for interest to stop accruing. This does not make sense. there should be no interest charges if the balance is paid in full. The Creditor is CITI Bank.
Product: Debt collection

Navy Federal CU is fraudulently reporting on my credit report in the amount of {$5800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
Product: Debt collection

This is a fraud account this account has once been on my credit report and removed this account got open due to fraud this account should be removed due to this account being fraud I never signed anything nor had service with the company
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This aligns with the the recent CFPB findings against Navy Federal for similar practices.were transactions settled with insufficient balances despite initially available funds. I believe there practices are unfair and request an investigation into my account transactions.
Product: Student loan

DEPT OF ED/XXXX XXXX ( PHEAA ) is who the loans are with. My husband and I are both XXXX  and both have our loans through this company so we can use the PSLF programs to repay our loans. Multiple times we have provided the appropriate paperwork for proof of payments made toward the 120 qualifying payments and the company keeps increasing our payments even though we are on an income based repayment plan and the company is not keeping up with our payments accurately. Keeps saying we need to resubmit the paperwork. This has been going on for over a year! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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: Credit card or prepaid card

I visited the store XXXX and the staff said nothing they can't do. So XXXX called BEST BUY to get my lap top 'total tech ' refund and called them XXXX and they hang up. Called another number and said couldn't help. It has been XXXX XXXX since i canceled the extended warranty. I want to BEST BUY to either refund the whole {$390.00} or extend the warranty to XXXX XXXX  for XXXX device. I purchased the extended warranty thru the BEST BUY credit card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within 30 days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

My additonal card holders card was stolen and used for over {$2800.00} in charges. These charges need to be removed. The bank never sent any fraud alerts about the crazy spending. I have attached an FTC report. Take these charges off asap.