23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX -BALANCE {$9100.00} - DATE XXXX Account Name : XXXX # XXXX -BALANCE {$48000.00} - DATE XXXX Account Name : XXXX XXXX # XXXX -BALANCE {$3400.00} - DATE XXXX Account Name : XXXX XXXX XXXX -BALANCE {$3400.00} - DATE XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXX XXXX # XXXX -BALANCE {$4800.00} - DATE OPENED : XX/XX/XXXX Account Name : XXXX XXXX # XXXX -BALANCE {$1300.00} - DATE OPENED : XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I spoke with two representatives today on XX/XX/2021, with Professional Finance Company in XXXX, CO. The first rep provided me with the file number # XXXX and maintained adamantly that I owed this debt. I attempted to call the original creditor, and was promptly informed that the balance showed {$0.00} owed. I then called back Professional Finance Company and spoke to another rep. She indicated that somehow they sent me a letter back in XXXX at my new address, and that she would not be able to issue me a new letter until I requested one in writing. According to FCRA they have to provide written correspondence when the consumer requests it. They also can not continue to contact me via phone if I've requested such. So in the event they attempt to contact me again, you'll absolutely be seeing a new complaint filed if they contact me via phone since I've asked them not to.
Product: Mortgage

I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.
Product: Checking or savings account

I sent payment to a woman named XXXX XXXX, who had XXXX XXXX concert tickets listed for sale on XXXX. I messaged her and she stated the tickets were $ XXXX/each.We discussed payment method and delivery of tickets. I sent her a total of {$86.00} - {$80.00} for the two tickets plus {$6.00} fee for using XXXX. Transaction was done on XX/XX/2020. Immediately after getting payment she stated ticket prices she quoted to me were wrong and they were $ 400+/ticket. I told her I would not pay that. She went back and forth with me on settling for $ XXXX/ticket. Again, I declined, told her I either wanted my money back or the tickets. She stated she would send the tickets and never did. I immediately filed a dispute with XXXX who declined my request for a refund. I then filed a dispute with my bank, Navy Federal Credit Union who also declined my request for a refund. To date, I have not received tickets from XXXX XXXX, a refund from XXXX XXXX, XXXX or Navy Federal Credit Union. Both XXXX and Navy Federal Credit Union have both instructed me to reach out to the seller and get my money back that way., which is impossible because she is not responding to any of my emails and deleted her XXXX account so i am not able to reach out to her that way. When I researched the name on XXXX and the email address the name was different than it was on XXXX. I am 99.9 % certain it was a fake XXXX account.
Product: Debt collection

I received a threatening letter from Quest Legal Group out of XXXX XXXXXXXX XXXX regarding a very old payday loan that is not my debt. The original company is XXXX out of XXXX MO. I am not able to find any information online regarding this company in Missouri. 

I sent a certified letter to Quest Legal Group requesting validation of this debt on XX/XX/year>. 

On XX/XX/year> I received another letter from Quest Legal Group. This letter does not contain confirmation of this debt, but is another threatening letter to sue me if I do not pay the amount requested. 

Not only is this not my debt, but based on the date of this debt- it is well past the statue of limitations. 

Quest Legal Group is a predatory debt collection service that is listed as several scams throughout the web.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$29000.00} Account : XXXX XXXX accounts XXXX XXXX XXXX XXXX Account : XXXX XXXX I Originally creditor XXXX XXXX Balance {$230.00} 15 USC 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 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 or other personal consumer reports

I did not authorize these inquiries and considered as fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent XXXX a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses & failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Mortgage

A/C # XXXX SLS ( Specialized Loan Servicing Company ) Names on Loan : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tel ( XXXX ) XXXXDear Sir/MadamSLS services a XXXX loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The payment is due on XX/XX/XXXX, with 15 days grace period. I make my payments on a timely basis via US mail. I use their stationary snf envelope for address. I attach payment stub.They do not credit my account and call me and say that I have not made the payment. It is either of few things : 1 ) they lie and post the money after the grace period is expired intentionally to earn late charge. 2 ) their bookkeeping department is losy and organize or 3 ) they have deal with XXXX XXXX and want me to pay alomost {$10.00} to XXXX XXXX if I go pay-by phone, 4 ) some one in SLS bookkeeping steals checksor 5 ) some one in post office with zip code of XXXX steals mail, the chance of which is really minimal. I have to pay for fake late charges to the benefit of SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/, 2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX   AMOUNT- {$430.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some listed accounts have wrong info about reporting, like wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter disputing incorrect and inaccurate items on my credit report. To this day over 60 days later I have not received a response, I feel like Im being taken advantage of and being ignored of my disputes. It has been over 60 days so they should be deleted immediately. My information was also impacted by the XXXX  data breach, my information could have been obtained illegally.
Product: Debt collection

Contacted my mother serval times about my debt and gave her every single detail to the debt. Also told her she needed to pay the debt when she was not listed on the lease. She was listed as a emergency contact. Advised the company several times that she was n't on the lease. They continued argue with me about it. Saying she signed the lease. I spoke with the original creditor who also advised me that my mother was only listed as emergency contact as well. She said she would talk to them.
Product: Prepaid card

I first noticed a transaction of {$120.00} was taken off my Rush Card, on XXXX/XXXX/2016. I went back as far as my phone would allow. I saw the same transactions in XXXX, XXXX and XXXX. I tried to contact Rush Card. They no longer have customer service. I also checked my statements on line, there are no records of these transactions. Any assistance you can provide will be greatly appreciated. XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On the evening of XX/XX/21, I logged onto my online Wells Fargo portal and was shocked to see a late mortgage payment. To my knowledge, the account was on autopay from a linked Wells Fargo checking account, just as it has been since the inception of this mortgage. I immediately paid the past-due amount and re-initiated autopay in that moment. 

Subsequent communication with customer service resulted in a false accusation that I previously disabled autopay via the online portal. I did not this action and there is no written or digital verification of this action. I keep a very high cash balance in my Wells Fargo checking account and would have no reason to sabotage my own credit or banking relationship. I asked why Wells Fargo hadnt attempted to contact me directly before levying late fees and reporting the late payment to consumer credit bureaus. I was informed that the only attempts to contact me had been made via unidentified XXXX numbers who do not leave voicemails. I received no written communication via US mail as of that date, email, the secure Wells Fargo online message portal, text message, or voicemail. Yet, in the absence of any real communication, Wells Fargo found no issue finding time to impose late fees and report a late payment to consumer credit bureaus. 

After disputing the late payment reporting, Wells Fargo has refused to amend the credit reporting despite the fact that they are directly responsible for the late payment. They keep referring to any basic dialogue or customer service as " a courtesy. '' Their actions feel shady at best, and are designed to work against the customer 's best interests.
Product: Bank account or service

I was trying to place an international order with my debit card. My bank "  XXXX   XXXX   XXXX  '' blocked the transaction. I called my bank to let them know that I in fact made the order, and that I have done business with the company before, and was very happy with the service I received. My bank said because of possible fraud they would not clear the transaction. It 's like they are telling me I ca n't spend my own money in the way I want to spend it. I have ordered from this company at least twice before, without even a question, the transactions went through right away. I understand the bank is trying to protect me, but how when I 'm on the phone with my bank telling them that I placed the order, I passed all of their security info, and they say they wo n't authorize the transaction, no matter what I say. THIS IS JUST WRONG. It 's my money, it 's a debit card, not a credit card
Product: Student loan

This is a formal complaint regarding a private student loan account with Navient XXXX XXXX At present, Navient has sent threatening/intimidating mail and has routinely harassed authorized representative about the account. Navient uses different auto dialer programs from random numbers in Washington, New York, and Pennsylvania with attempts to bully/intimidate this account representative and co-signor. This is a violation of 15 USC Code 1692d et seq.-Harrassment or abuse. Navient has received corrective notification via online portal that this authorized representative has exclusive POA  of this account. XXXX XXXX has been appointed fiduciary of this account. In addition, I have common law copyright of the all caps ENTITY and and have FULL FAITH AND CREDIT of the BC. I, as the living woman, was never given full disclosure that my living human was being used as a transmitting utility for the fictitious ENTITY created via the registration of birth certificate by the bankrupt UNITED STATES OF AMERICA XXXX. As a result, I am correcting all ENTITLEMENTS of use of this BC and SSN account which includes NAVIENT. In addition, I have sent documents reflecting the harassment and lack of cooperation with NAVIENT to correct this account. These documents have been sent to all branches of IRS regarding fraud, the DIVISION OF DEPOSITOR AND CONSUMER PROTECTION of the FDIC, and the SECURITIES AND EXCHANGE COMMISSION as formal complaints.
Product: Mortgage

I am submitting this complaint due to Freedom Mortgage Company refusing to do another escrow analysis on our account. Our home is a new build and for the first year our property taxes were " estimated '' which I understand is normal. We were paying about {$600.00} XXXX a month to escrow. Once the town of XXXX sent me the tax bill, I sent it to Freedom Mortgage to be paid. On XX/XX/XXXX, I noticed a message from Freedom Mortgage stating that after the taxes in the amount of {$3400.00} were paid to The Town of XXXX, we had a shortage in our escrow account of {$4100.00}. They stated that due to this shortage, an additional {$340.00} would be added to our monthly payment making our monthly payment {$2400.00} effective XX/XX/2022. At the time we had {$8100.00} in our escrow account. If we had {$8100.00} in our account and our taxes are {$3400.00}, insurance is {$710.00} and we are only required to keep 2 times our *correct* monthly escrow payment in escrow ( which equals roughly {$4800.00} for the year ), how on earth can we have a shortage? That was a red flag to me so I called Freedom Mortgage and requested an escrow analysis to be done. An escrow analysis was done and the monthly payment was adjusted accordingly and a surplus check in the amount of {$1900.00} was sent to us. We do appreciate that our monthly payment was adjusted accordingly but we would like to have the correct and full amount of surplus sent back to us. It states right in the escrow analysis that Freedom Mortgage performed that " Federal Law requires that any surplus of {$50.00} or greater must be returned to you within 30 days from the date of analysis. '' Yes, Freedom Mortgage did return SOME of the surplus but it was not the full amount and that is why I am requesting another analysis to be conducted. Currently, as of XX/XX/2022 we have {$6100.00} in our escrow account. Again, we are only required to keep roughly {$4800.00} in escrow to cover insurance, taxes and the escrow " cushion. '' And the taxes are not due until XXXX XX/XX/2022 so we still have 4 more months of payments to make before taxes will be paid which will result in even more of a surplus. Currently it looks like we have a surplus of roughly {$1300.00}. I have contacted Freedom Mortgage numerous times to try to get this sorted out and every single time I get a different answer. The last time I called which was on Friday, XX/XX/XXXX I was told that another escrow analysis request would be submitted. I called again on Monday, XX/XX/XXXX only to find out that no request was submitted. The customer service representative did tell me that she does see that we have a surplus in the account but the team that conducts the escrow analysis refuses to do another analysis until XX/XX/2022 as XXXX was already conducted in early XXXX and they do not see a reason to do another. I have received such horrible customer service from this company and I can not believe that a mortgage company would refuse to look into their mistake.
Product: Debt collection

Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.
Product: Student loan

I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.