23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX requested to perform an escrow analysis on my home mortgage. This took place via telephone call with the mortgage servicer Representative a Mr. Cooper, which operates under Nationstar Mortgages, LLC ). The representative stated a a result of the escrow evaluation the monthly escrow would be reduced from {$760.00} to $ XXXXBased un this conversation the change in the monthly payment would take effect XXXX. I received an invoice dated XXXX XXXX, XXXX with the old amount of escrow and due date of XXXX, XXXX XXXX. This was followed by another invoice dated XXXX XXXX, XXXX with the revised escrow commencing on XXXX XXXX, XXXX. Note there is over {$1000.00} in escrow account. I have tried contacting Mr. Cooper on 15 occasions but have yet to speak with a customer representative .This organization has set up an automated call response system which takes you in circles. On XXXX, XXXX I was able to speak with a representative by selecting a mortgage refinance option. This individual could not help me and stated the department that could was not available. In addition to the escrow issue I received a letter dated XXXX XXXX, XXXX informing me of a Data Breach and that some of my personal may have been hacked on XXXX XXXX, XXXX and I should contact a third party to determine if my identity has be compromised. I find this a complete dereliction of fiduciary responsibility and could this be why there is no representatives available to take phone calls.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  National Credit Adjusters L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation Dear National Credit Adjusters L.L.C, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt.

In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing.

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately.

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA.

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

XXXX XXXXXXXX XXXX has been improperly reporting an old account that is no longer open. The account is a paid charge-off account. The balance was {$380.00} dollars and I had paid {$320.00} dollars to settle the account back in XX/XX/XXXX. The issue is that XXXX XXXX XXXX  has reported the account as failed to pay in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XXXXXX/XX/XXXX. Those 4 marks had greatly impacted my overall credit score and they should not be listed as failed to pay. They in fact should be listed as a charge-off in the payments history. Having 4 failed to pay marks well after I had settled the account isn't proper credit reporting. This has damaged my credit and so be remedied
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$250.00} XX/XX/2017 update to never late XXXX {$330.00} XXXX update to never late XXXX XXXX  {$510.00} XXXX update to never late XXXX  XXXX {$4300.00} XXXX to never late XXXX {$0.00} XXXX remove acct XXXX XXXX {$1000.00} XXXX remove acct XXXX XXXX  XXXX {$700.00} XXXX to never late XXXX  {$0.00} XXXX remove acct XXXX  {$0.00} XXXX XXXX acct XXXX XXXX {$0.00} XXXX update to never late XXXX XXXX {$800.00} XXXX remove acct XXXX XXXX {$1300.00} XXXX XXXX acct US Bankruptcy {$0.00} XXXX remove acct XXXX XXXX XXXXXXXX remove inquiry XXXX XXXX XXXX remove inquiry Experian XXXX XXXX  XXXX remove inquiry XXXX XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXXXXXX remove inquiry
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a rental account opened up at XXXX XXXX on XX/XX/XXXX. XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/19, I applied for an American Express Starwood Preferred Guest credit card with a promotion to earn XXXX points after spending {$3000.00} in 3 months. Under the Offer Terms, it states : " Welcome offer not available to applicants who have or have had The XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX Credit Card from XXXX, or The XXXX XXXX Credit Card from XXXX XXXX in the last 30 days. '' I haven't had any of these cards in over a year, so I applied. When I received the card I activated it on XX/XX/19 and called to confirm the above referenced promotion. I was told I was ineligible and was told the offer terms were different than what I had recorded when I applied. American Express opened a case to investigate whether I was eligible. 

On XX/XX/19, I spoke with an American Express agent who said the investigation confirmed the wording of the offer terms I originally referenced, but said I was still ineligible, without citing any specific violation. I have not been an account holder of any of the above referenced XXXX accounts in over a year. I was told to submit screenshots of the related account closures with XXXX. An additional investigation was opened and I was told it could take 6 to 8 weeks to resolve. 

Meanwhile, the original American Express offer opened for this credit card was to spend {$3000.00} within 3 months of account approval, which will be approximately XX/XX/19 If I wait for the investigation to complete ( 6 to 8 weeks from XX/XX/19 ), I will have passed the deadline to complete the minimum spend and will definitely not be eligible for the bonus promotion. I noted this to the American Express agent on XX/XX/19, and was told the investigation might be finished sooner and I could choose to make the {$3000.00} spend or not.
Product: Credit card or prepaid card

Card.com has refused to send me a check for my remaining funds on my card when I have provided my DL all identification requested. Ive been trying to get my money for almost 2 years now and they refuse to send me a check for the remaining balance on my closed account. Also for some reason my funds are no longer showing on my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to send an International Wire.

That wire was declined and I was provided a customer service number.

On XX/XX/XXXX I spoke with a representative at that number. They refused to process the wire, despite the paperwork being correct, saying I needed to go to a branch. 
The closest branch is over 100 miles away, as the bank has closed branches claiming they can provide full service via mobile. 
This is clearly not the case.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of XXXX XXXX XXXX XXXX Account Dear Experian XXXX Department, I am writing to formally request the removal of the following account from my Experian credit report : Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$50000.00} Status : Open, {$990.00} past due as of XX/XX/XXXX Original Balance : {$49000.00} Comments : Completed investigation of FCRA dispute consumer disagrees This account is inaccurately reported and does not reflect my current financial obligations. I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. 

Additionally, the recent CFPB lawsuit against Experian ( filed XX/XX/XXXX ) emphasizes the legal requirement for Experian to properly handle disputes and ensure the accuracy of consumer credit reports. 

Requested Action : 1. Delete the XXXX XXXX XXXX XXXX account from my Experian credit report. 
2. Provide me with an updated copy of my credit report reflecting this change.

3. Cease reporting this account to any third parties. 

Please conduct a proper reinvestigation and correct this issue. If this request is not honored, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

I expect a written response within XXXX days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

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

I initially contacted Transunion on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by XXXX XXXX XXXX. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. 

The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how Transunion conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. 

To date, I have not received any form of response from XXXX XXXX XXXX as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.
Product: Consumer Loan

The vehicle financed with Exeter Finance Corp couple of years ago was voluntarily returned to the bank after discovering the car was sold overprice and with interests increasing on a daily basis. When decided to return the vehicle the bank never provided with additional information of the whereabouts of the vehicle ( i.e. they sell it in an auction, etc. ). After a couple of months, I started receiving calls from multiple collecting agencies which all estimated a different amount to pay off the loan finally. When contacted the collecting agencies they disclaimed not longer being in possession of the account, disclosing Exeter Finance Corp should be contacted for further information. The issue is that every single collector presented a different amount, including the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Repair Info Police Report Hello  as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello! 
I withdrew from Cash App XXXX $ on XXXX XXXX. And I got the message that my funds will be available on my bank account on XXXX XXXX. Today is XXXX XXXX and I still have no money on my bank account on witch I withdrew. I check my mailbox and see the message that my email was unlinked from my cash app account ( they just deleted my account ). I need to get my money ( XXXX $ ), but funds wasn't withdrew, and " Cash App '' deleted my account. 
I tried to contact them - they totally ignores me. They have no Call center ( yes, they have number but when you call to them - robot just says that if you want a real agent - contact on site. I wrote letter to them, but they ignores me.
Product: Debt collection

I contacted this company recently because I am attempting to verify this debt before paying it/doing anything to attempt to get it off of my credit. The company attempting to collect is National Credit Adjusters, and on my credit report it claims that I owe XXXX dollars for a debt that was taken out in XXXX XXXX XXXX XXXX XXXX XXXX potentially a subsidiary of XXXX XXXX XXXX? ) in XXXX, which is absurd because I lost my job then due to coronavirus and have been going out of my way to clean up my credit since then, and opened no new accounts. I therefore called the company to attempt to obtain a copy of the original invoice and verify whether or not I did owe this debt at all before paying. When I contacted the company the person I spoke to got very flustered and said, her words not mine, they could " try and get the invoice. '' I asked whether or not they had it and she said " well you did take out a credit card in XXXX '' and I told her that it wasn't showing up on my credit as being from XXXX, but from XXXX, and also that I was asking them to provide me with a copy of the original invoice, and if they couldn't do that that they were legally not allowed to collect the debt. She told me that she couldn't do that. I then asked to speak to her supervisor who kept talking about XXXX, and told me I couldn't have a copy of the phone conversation in which the previous employee admitted to not having the invoice, and said I might receive one within 30 days- but I was under the impression they had to have it in their possession in order to collect the debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with Affirm, the seller ( XXXX ) of the product didn't credit my Affirm account, once they received the product back in their stock. I then opened a " Dispute '' with Affirm, so that they would investigate and provide a resolution. Affirm 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with Affirm. With the account in good standing I then ceased to make any further payments, until I received their resolution. Affirm 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, XXXX, XXXX and XXXX. XXXX 's data has the Affirm installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask Affirm to please contact XXXX and remove this incorrect data from my credit report. I tried to file a dispute with XXXX and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. Affirm is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to XXXX in the first place!
Product: Credit reporting or other personal consumer reports

Found out I had a Experian checking account and bunches on my credit report that I had no idea about they took them off my credit report of the accounts I said was fraud days later but then back on my account and open back up the checking account that had been opened in my name with our me knowing same account number and everything but no history of how much it started with or how much was in there
Product: Credit card or prepaid card

I make the payment on the due date and I still get charged a late fee.  Synchrony  insist on charging a late fee just in case my payment does n't go through. My payments always go through and I never make a payment if I do n't have money to cover, yet Synchrony assumes my payment is not good. They remove the late fee once the payment comes through, but in the mean time it downloads into my accounting software and causes me extra work to account for this phantom fee. The amount of accounting cost me much more than  XXXX  dollars yet I ca n't charge them  XXXX  penny extra for my labor they cause.     When is our government going to rescue us from this kind of abuse? This 'selling laws to the top bidder ' has to END!     EARN THE MONEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience refuses to stop sending me emails I have unsubscribed 6 times they refuse saying This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. 
This is a violation of my civil rights. I want these emails stopped and experience be fined for refusing to do so.
Product: Credit reporting

Please remove the following account from my credit report the following accounts was disputed before and deleted from my Experian credit report.Upon checking my credit report again I received an alert that a collection was added to my credit. 
XXXX please see attachment In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion wants ne to pay for my annual free credit report. File number XXXX, dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX has my addresses correct and most of my older accounts, but XXXX and XXXX and Innovis do not. If XXXX could share these records with the other bureaus my information would be more correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase has abused its digital relationship & misused my credit report by repeatedly misusing my informations