23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a notice of servicing transfer in the mail from XXXX XXXX XXXX dated XX/XX/year>. It said on XX/XX/year> they would stop accepting payments and the new servicer Selene Finance will start accepting payments. And that nothing else about my mortgage loan would change. However, now that my loan is under Selene Finance, they are saying that I am 8 mortgage payments delinquent and my amount due for my mortgage statement on XX/XX/year> was {$33000.00}. In a letter from Selene dated XX/XX/year>XXXX  it says they did not receive payment of {$2600.00} and that my loan is in default. And it says the total amount owed to bring the loan current as of the date of this letter is {$22000.00} or risk potential foreclosure of the property. I have proof of payments that I have made to XXXX XXXX for over 2 years but I have no idea what they have been doing with my payments. Now the late fees just keep multiplying and Selene Finance is saying they don't have all the information from XXXX so they don't know what is going on either. On a call with a representative from Selene Finance, I asked what we should do if they don't receive all the documents from XXXX and we don't get this issue resolved, and she said I should file a lawsuit. This is outrageous and I feel like we are being targeted as VA homeowners. I also sent in my regular payment of {$2600.00} for XX/XX/year>XXXX  and it was rejected by Selene Finance and returned back to my checking account. I am trying to make my regular payments so they don't keep adding late fees on but now they won't even accept it and I was not given any reason why. No letter, call, or email was sent to me. I fear they are going to try to take my family 's home and leave us bankrupt.
Product: Debt collection

I 've spoken to Syndicated Office Systems several of times about these inaccurate accounts that were placed on my credit by them. I have over XXXX items being reported that are for XXXX the same accounts and for XXXX they are n't supposed to be on my credit nor in collections because they were taken care of with my insurance company. About XXXX weeks ago I spoke with a rude rep whom I 've advised of this matter once again and she told me that they will continue to ruin my credit and will continue to report no matter if they are accurate or not. I advised her to place me on their do not call registry she said no and called me XXXX times back to back. I am seeking legal advise from an attorney because I am wanting to file a lawsuit, if we ca n't work together to get these inaccurate items removed from my credit within the next XXXX days.
Product: Credit reporting or other personal consumer reports

Identity theft. I have supplied police report, FTC report, passport and SS verification over 22 times through CFPB and Transunion Please investigate without using XXXXXXXX  or XXXX reporting and secondary bureaus like XXXX XXXX, XXXX or XXXX. Send me proof by mail on a through investigation. Which shows how this person signed up for these accounts proving that these accounts belong to me. This is my final warning before I take all of this to court and sue. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had a account with XXXX
Product: Credit card

The card Exp was in XXXX I canceled the account in XXXX I paied all past balances and interest on spirit card offered by bank of America with no Annual fee so I took it in XXXX by XXXX they sent me a letter telling me they were going to start charging me an annual fee of XXXX a yr so I paied them what I owed plus interest and canceled the card it's on my credit report still u want it off then this man contacts me from XXXX XXXX in XXXX XXXX gives me his name and number and Ext tells me he will send a full repot to my E-Mail I get a 2 line letter in the mail and it tells me the matter is closed and there not changing anything I filed a complaint with XXXX of XXXX North Carolina with a pic of there letter the letter offers no Explain of why and this XXXX XXXX  from XXXX XXXX in XXXX XXXX doesn't answer his phone now interesting I want this off my credit report thank u
Product: Credit card or prepaid card

I made two purchases with mybestbuy credit card. I have been having difficulty making payments for several reasons : 1. I do not know when a payment is due.
2. I can not log on the website to view the balance of my credit card statement, see purchases I have made, or make payments. 

I have contacted BestBuy and resolved the issue of not being able to log onto the website. The same issue has returned again. I am now being charged a late fee due to the fact of not being able to make payments on time because of technical erros on their side.
Product: Debt collection

I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX University XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an MRI/Xray if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an XXXX ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX so that XXXX XXXX could deny it and then provide an XXXX so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious matter related to my credit report. I was seeking preapproval for a home loan and received notice that my credit report had damaging items on it. Despite my best efforts to resolve the issues directly with the credit reporting agencies, I have been unsuccessful in obtaining a satisfactory resolution. As a result, I am seeking your intervention in accordance with the provisions outlined in the 15 U.S.C. 1681 law. 

I have diligently reviewed my credit report and identified several inaccuracies, discrepancies, and outdated information that are negatively impacting my creditworthiness. These errors include, but are not limited to, incorrect account statuses, improper account balances, and inaccurate reporting of late payments. I have made numerous attempts to dispute these items directly with the credit reporting agencies, providing supporting documentation to substantiate my claims. However, despite my efforts, the credit reporting agencies have failed to conduct a proper investigation and remove the erroneous information from my report. 

In accordance with the 15 U.S.C. 1681 law, I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into the credit reporting discrepancies outlined in the attached document. I believe that the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into the disputed items on my credit report. 

I have enclosed copies of all relevant documentation, including correspondence with the credit reporting agencies, along with supporting evidence and any relevant notations. I trust that this documentation will provide a comprehensive overview of the issues at hand and assist in your investigation. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request that you promptly contact the credit reporting agencies and initiate an investigation into the disputed items on my credit report. 

Additionally, I kindly request that you provide me with regular updates on the progress of your investigation. I understand that the FCRA requires the credit reporting agencies to respond to consumer disputes within a reasonable period, usually 30 days. Therefore, I trust that your intervention will expedite the resolution of my credit report issues and prevent any further harm to my financial standing. 

Please be aware that, under the 15 U.S.C. 1681i ( b ), I reserve the right to pursue legal remedies if the credit reporting agencies are found to be in violation of the FCRA. I hope that this will not be necessary, and that the Consumer Financial Protection Bureau 's intervention will lead to a swift and satisfactory resolution. 

Thank you for your attention to this matter. I appreciate your assistance in rectifying the inaccuracies on my credit report and protecting my rights as a consumer. Should you require any further information or have any questions, please do not hesitate to contact me at the provided phone number or email address. 

Yours sincerely,
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Where is my financial responsibility form from this original creditor? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 XXXX00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Prepaid card

I went to the XXXX on XX/XX/XXXX and paid {$99.00}. They couldnt provide some of the services included in that fee so on Friday XX/XX/XXXX she issued me a partial credit of {$41.00} back to my card which showed up that day along with a {$41.00} debit transaction which she didnt make. I figured since it was Friday it would all be cleared up by Monday morning. It was not and Ive called them XXXX times trying to get a explanation and access to MY money not theirs and have received XXXX different answers that are not acceptable and when I requested to speak to a supervisor I was told that wasnt possible and they hung up on me. There should not be a debit on my account for a credit to my account. The credit was settled on XX/XX/XXXX and the fake debit is pending and I was told I have to XXXX business days for a settled transaction? I dont think so. There is some type of fraud here by the bank. That is my money from my paycheck and I need groceries. These banks need to be held accountable for these type of fraudulent activities. Im sick of being told I cant use my money but they can. Something seriously wrong with this!!!
Product: Payday loan, title loan, personal loan, or advance loan

Initially, I had two promotional credit plans open with this company, and called in XXXX to inquire about paying only one off as it was accruing interest and leaving the other plan as it was at 0 % interest rate. I was told by an employee with TD Bank that this was possibly, only for the next billing cycle to still reflect a balance. 

I called in and was then informed that I was told incorrectly, and that they could not clear one account, even though I paid exactly as the representative instructed me. I was told that I could request my money back, and the balance would go back to the promotional plan to continue payments I have been making for 2 years. 

Instead of this occurring, they then opened a revolving credit plan on my account without my consent, and charging 29.99 % interest on the money that should have went back to the promotional rate as agreed to by the company. This has been ongoing since XXXX, and I am being charged interest each month that I do not owe as a result. I have called continuously to try to have it resolved, sent in emails, tried to escalate to a supervisor or manager or director, all for no update on the account and absolutely no satisfaction. 

In XXXX, I was then sent to collections over the interest payments that are for the credit line that was opened without my consent. My credit score also took a hit of over XXXX points, all to a customer who never missed a payment and is still making payments to date for the amount I owe- {$380.00} per month. Their collections department then began calling me 4 times a day everyday, and I voiced the issue to everyone I spoke with only to be told they would let their manager know. I told them to listen to the calls between myself and their company as all calls are recorded, and they would be able to hear everything as it was presented to me as a customer, and they should be able to correct their errors. Nearly 4 months later, still no resolution. 


I have repeatedly told everyone I spoke with that I want to pay my debts, but opening a credit line without my consent and charging me interest on said credit line is unlawful. I want to pay what I owe, not what I do not. Please inquire regarding the correction of these errors, and issue a request they redaction to correct my credit score. 

I look forward to hearing from you all and resolving this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, XXXX and Equifax of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # XXXX : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # XXXX XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither Equifax or XXXX has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by XXXX XXXX XXXX XXXX, appearing in my ChexSystems report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies maintain accurate and verifiable information. Additionally, I am requesting a freeze and opt-out of my ChexSystems file XXXX 

The information being disputed is as follows : Source of Information : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX Phone Number : XXXX Reported For : Account Abuse Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX, NH XXXX Reported SSN/ID : XXXX Driver 's License State : [ State Not Specified ] Date of Closure : XX/XX/year> RTN/Account Number : XXXX / XXXX Original Charge Off Amount : {$530.00} Closure Status : Paid in Full Closure Status Date : XX/XX/year> Grounds for Dispute : Under the FCRA, I am entitled to dispute any information on my file that is inaccurate, incomplete, unverifiable, or outdated. After reviewing the information provided, I have reason to believe that this entry meets XXXX or more of these criteria. Specifically : Inaccuracy and Lack of Verification : I request that ChexSystems provide documented evidence from XXXX XXXX XXXX XXXX verifying the accuracy of all details listed, including but not limited to the alleged account abuse and any related activity. 

If verification can not be provided within the legally mandated time frame, I demand the immediate removal of this record from my report. 

Compliance with FCRA 611 : According to FCRA 611, any disputed information must be corrected or deleted if found to be inaccurate or unverifiable within XXXX days of receiving this notice.
Product: Debt collection

To Whom It May Concern, The following account listed on my credit report is inaccurately reported. Although I previously disputed this account and it was verified, I have not received the purchase agreement that includes the correct account number, balance, and account status.

Law 15 USC 1681 B-This law addresses the permissible use of a consumer 's credit report by third parties. There has been no authorization granted for any third party to access my credit report.

Law 18 USC 1028 A - According to the next law, aggravated identity theft has been committed. I did not give anyone permission to transfer my information from the credit company to a collection agency.

These items does not meet the FCA reporting requirements delete these accounts immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting information for XXXX XXXX XXXX  and I have never lived there. I do not know who they are in fact. When I have called and left several messages there is only an automatic voicemail and no one returns your call at XXXX XXXX. I have my own place and have not lived in apartments since 2009.

Please order them to remove this inaccurate information immediately or show proof that it is a valid debt that I owe. I think this is AI.
Product: Vehicle loan or lease

XXXX XXXX ( car salesman ) and XXXX XXXX ( finance manager ) approved me for purchase of a vehicle. XXXX drove the vehicle from Mercedes XXXX XXXX to my home in Wisconsin. When he arrived, he called XXXX to report that I signed the contract, " accepted for honor '' and " without recourse. '' XXXX then instructed XXXX to take the vehicle back to IL and they canceled the entire transaction. Additionally, XXXX was to take my leased Mercedes back to IL, to hand in for lease term. I was approved to purchase my lease, initially, but was told I could not have XXXX car contract simultaneously, which I later learned was a complete falsehood. Since XXXX did not take my lease back and XXXX canceled the transaction, Mercedes contacted me several times, asking why I had not turned in my lease and threatened penalty fees. 

The entire process was extraordinarily unlawful, unprofessional and violating as they requested my SS # via text message ( attached in photos ) sent me numerous messages ( which I have kept record of ) indicating my credit approval and financing, photos of vehicle, etc. I now further understand dealership contract fraud and will be conducting a forensic audit on Mercedes application and financing contracts. My credit score was XXXX and due to the fraudulent transactions, it is now XXXX. Mercedes reported a hard inquiry along with XXXX additional inquires ( attached ) and XXXX XXXX captured my credit XXXX times. I have reported this to the CFPB and have not received a response from Mercedes or XXXX as of yet. I will be pursuing further action with regulatory authorities and UNIDROIT if I do not receive rightful remedy credit repair and compensation for what Mercedes stole from my treasury account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made the mortgage payment to Webster Bank on the XXXX XXXX XXXX. My paying bank, XXXX shows the payment being received ( processed ) by Webster Bank on the XXXX. Webster Bank charged me a late fee claiming it was not received until the XXXX.