23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I was doing my budget for the month and saw three charges for XXXX dollars ( totaling to {$250.00} dollars ) for XXXX gas stations. Two charges occurred on XX/XX/XXXX ( at XXXX EST ) and XXXX EST ),  while another charge occurred on XX/XX/XXXX. When I saw the charges, I immediately called Chase and told them that my debit card had been stolen and that it was used frauduantly. They told me they would put a credit back onto my account and would do an investigation. On XX/XX/XXXX I received a letter telling me my claim had been denied. I called Chase again and they told me that because I had logged in before to check my balance and since the card was inserted into a gas pump that I was liable for the charges. I argued with them and told them that I was asleep at the time. I have GPS from my phone showing that I was 15 miles away when the charges happened. They told me, " It's most likely fraud, but we are not reimbursing you. '' I filed a police report shortly after and then called the XXXX stations that were involved. They told me that they would not reimburse me, but that they would give me the number of the managers. When I called the managers I was informed that there were {$170.00} dollars that were bought of diesel gas at the pumps. I do not, nor have I ever owned, a diesel vehicle. I called again and the same run around. I was told they would reopen the claim but would not take into account the following items : GPS records, police reports, or receipts of the items. They told me that the only other option was to handle this matter in other ways. When I asked if that meant taking them to small claims court, they responded, " That is one method ''
Product: Mortgage

To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. 
I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of my credit report dispute by the credit bureaus. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. These are fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ( XXXX XXXX open ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX . I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Product: Debt collection

I am a victim of fraud and mail theft. Discover alleges I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to XXXX XXXX XXXXXXXX XXXX. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with Discover in good standing that I opened in XXXX. I have no knowledge of any account with Discover opened XX/XX/XXXX. I promptly contacted Discover by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department conducted an investigation and deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a Discover customer since XXXX and not XXXX. I'm not sure why Discover and XXXX want to conduct an additional investigation when I was already told by phone that this was fraud and I am not liable for this account. I would like this reinvestigated and I would like the CFPB to be provided with the recorded calls to XXXX on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX where I was advised the account was deemed fraud and my file was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, how are you writing this regarding some FRAUDULENT queries in my credit report already filed and the same complaint, for someone else is using my personal information to try to open accounts in my name, please remove all these fraudulent queries from  my credit report ..
Product: Debt collection

I received an email in XX/XX/2018 that my student loan had increased. I was in the rate reduction plan. I called Navient about the pass due prior to XX/XX/2018 because I noticed that the agreed amount had not been deducted from my account. The representative told me not to worry about because of the payroll deduction I had actually paid ahead. Never gave it another thought thinking this was correct until I received a pass due notice. I again called and was told your rate has increased because you are no longer in the rate reduction. This bill increased over {$100.00} without any notification nor was i ever notified that i was no longer in the rate reduction plan. I can not pay the additional {$100.00} yet they are shorting my living expenses by debiting my account this much.

Navient apparently uses a script to communicate with people and every situation is not the same. They dont listen they take money. They do things without notification. They tell you things like sell your blood, move with your parents, sleep under a bridge etc anything but helping the student.

I need this resolved asap before i am homeless.
Product: Credit card

I contacted Capital One to pay the balance of a credit card that had been charged off in 2010. I was instructed to speak with their legal council ( which I did ) and was offered a settlement amount. I was told that upon receipt of payment, Capital One would update the balance of the credit card to {$0.00} and that the account would be considered paid in full. I was also told that the judgement that had been entered against me would be removed. Neither of these actions has been taken and the credit reports with all XXXX bureaus still list the account as having a {$4200.00} balance and lists my credit utilization as 117 %, which is not correct. I disputed this balance and received notification from all XXXX credit bureaus that Capital One had reported the balance as {$4200.00} even though I already made the payment and they agreed to mark the account as paid in full with a {$0.00} balance.
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 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account number:XXXX. Account name : XXXX XXXX  account number: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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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

Only one of the three credit reporting agency XXXX XXXX is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, LexisNexis removed a chapter XXXX bankruptcy from my credit file. I have since then started to dispute this information with the credit bureaus since they verify this public record with LexisNexis. The credit bureaus are relaying to me that LexisNexis is still verifying this public record as accurate. I have several documents that LexisNexis has sent me to show that they removed the chapter XXXX bankruptcy along with my entire file from LexisNexis showing that the chapter XXXX bankruptcy does not exist.
Product: Credit reporting or other personal consumer reports

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, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I made PayPal transactions to pay an investor rent and he then required me to submit certified funds as he claimed PayPal removed them from my account. At the time I started the charge back of XXXX transaction and they account was closed for my safety however I then reached out to PayPal for the refund and they refused a long back and forth happen causing the time to dispute pass. After years of back and forth and no relationship with the bank I am lost on what to do. 

PayPal account XXXX XXXX
Product: Vehicle loan or lease

America First Credit Union has been reporting inaccurate financial information to all three of the major credit bureaus XXXX, XXXX, XXXX. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. I originally submitted a dispute with American First Credit in XX/XX/XXXX and all XXXX credit bureaus as well. Once I submitted that initial dispute in XXXX the balance began fluctuating on the account. The original balance being reported to the credit bureaus at the time was {$15000.00} and since the account was charged off/written off. I also requested all the financial documents from America First Credit Union to be sent to me as well. In those documents there was a balance of deficiency letter dated XX/XX/XXXX which also stated the balance was {$15000.00}. In XX/XX/XXXX the balance increased by {$7000.00} after the dispute on the closed/written off account. The balance was now reporting as {$22000.00} because interest was all of a sudden added. Upon this drastic and sudden change I contacted the company and spoke with XXXX XXXX. I advised her that in the state of Arizona it was illegal to add a sudden increase of interest to a closed/written off account. In XX/XX/XXXX XXXX XXXX sent me a email advising me the company now has a policy that interest will not be charged on closed/charged off accounts and that all the interest would be removed, which ultimately should have placed the account back to the balance which was originally being reported as XXXX. This is also the same balance that was on the balance deficiency letter from America First Credit. I submitted another dispute in XX/XX/XXXX for inaccurate information reporting to all 3 credit bureaus and the balance decreased from {$18000.00} to {$17000.00} and showed on my credit report that a payment was made XX/XX/XXXX. This is again inaccurate information and no payment has been made on this account. I am requesting per my rights that this account be removed from my credit for multiple inaccuracies. Per my FCRA rights and the rules and regulations America First Credit Union is in violation of reporting inaccurate financial information. I would like this account removed immediately from my credit report. 


We are now in XX/XX/XXXX and the company has failed to update the credit report accurately. They have also advised me that the account would be sent to a outside 3rd party collection agency called XXXX XXXX @, XXXX. This company does not have the account and never had the account. I reached out to this company and spoke with a representative and they advised me that they never had this account. America first advised me not to contact them and to contact a 3rd party company who does not have the account. They have sent me multiple letters which are not consistent with information. This is a violation of my consumer FCRA rights. I would like this account removed from my credit report immediately or I will file for litigation.
Product: Mortgage

My mortgage was serviced by Shellpoint Mortgage Servicing with an escrow account established to pay for property tax and insurance. 

On XX/XX/XXXX, Shellpoint paid out {$4000.00} from the escrow account for the property tax of an incorrect property in XXXX XXXX, California. As a result, the property tax of my property in this mortgage was not paid. When I found out the issue, I contacted Shellpoint by phone and submitted the tax bill in XXXX XXXX. Eventually, the property tax for my property was paid up in XXXX XXXX, XXXX for both the XX/XX/XXXX and XXXX XXXX installments from the funds in the escrow account of my loan. 

However, the {$4000.00} payment to the incorrect property tax was never refunded to my escrow account. I have called Shellpoint multiple times in XXXX, XXXX and again in XXXX regarding the refund of the {$4000.00} with no resolution. When I called Shellpoint on XXXX XXXX, the agents were not able to help but rather bounced me from one group to another and back to the same group with no one able to resolve this issue. 

On XXXX XXXX, XXXX, I sent a formal Notice of Error to request a speedy resolution. Shellpoint acknowledged the receipt of the Notice of Error but now after almost 3 months still has not refunded the {$4000.00} to my escrow account and no update on this matter.
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 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There are a couple of things that I have concerns with regarding Lending Point. 

Called my cell and developed right party contact and then called back with my employer number as caller ID Called my work phone with my employer caller ID Added over a {$300.00} dollar late payment on account, no statement available online Can't make a partial payment online Can't change when you want funds withdrawn online ( just day setting up payment ). 
No access to the loan agreement online
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account there are two XXXX  XXXX accounts showing on my credit report when there is only suppose to be one account not a duplicate account Date open XXXX-13 Amount XXXX
Product: Mortgage

I am having a long running dispute with Seterus, Inc.. I have made several attempts to resolve not getting billing statements and double payments on tax and insurance impound/escrow account. I'm XXXX and don't have much time for the run around. Yes, we are currently late on the mortgage due to the above ( didn't get a billing statement after timely modification payments until XX/XX/XXXX - 3 months after last payment ). Now as of XX/XX/XXXX they have placed us in foreclosure. I have called twice and spoke with a XXXX and subsequently XXXX XXXX and XXXX XXXX and asked to be set-up on 2 month payment plan to bring the account current. The pat answer is that it's in foreclosure and we need the full amount - amazing. We are not talking a large loan - I believe we are at 15 % LTV and loan is $ 73,000+ only. I want to resolve the matter and need some time to make it current as I don't have single payment capability and what is 2 months? I'm very frustrated at the overall process and truly need someone to advocate for me in this situation.
Product: Debt collection

Disputed on XXXX and XXXX. 
Took it off and put it back on my credit report. 
{$300.00} Pursuant to the Fair Debt Collection Practices Act 15 U.S Code 1692 I would like to remove this unauthorized account from my credit report. 
Arbitration Process in pursuant to 15 U.S Code 1681 a ( w )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX  Account Number : XXXX