23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has had significant repercussions on my life since then. 

On XXXX, my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Debt collection

I reached out to carvana to correct a debt issue that they don't have the the original contract nor did they provide me with a original contract, as they are a extension of the creditor of the consumer credit transaction. They didn't give a notification that the alleged debt they were trying to collect, was a debt as a consumer using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit for entering this consumer credit transaction with an open-end credit plan and used for household and personal use. They put obscene symbol 's and use obscene language on the copy contract that could of be daunting to the eyes as well. Carvana has violated me as a consumer in the corporation and needs to be held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth in Lending Act or else i will pursue federal litigations if need I re enforcement on the facts of federal law.
Product: Debt collection

I had a debt collection for a XXXX XXXX XXXX. I called XXXX XXXX multiple times trying to get issue resolved and kept getting transferred to the charge off deot where each time I had to leave a voicemail.It took multiple voicemails before anyone ever called ne back so finally I spoke to soneone who did a XXXX settlement and rokd me to call back with the control number once I paid which I did so on XX/XX/XXXX I called XXXX XXXX everyday since then to verify if money was received and was sent to the same voicemail.Today when I called XX/XX/XXXX at XXXX I spoke with a man who cut me off mid srntence and told me I need to go to the same dept who I have called everyday since XX/XX/XXXX and when I advised him I had left multiple messages he just transferred me where I left another message then called back customer service 2 times and someone picked up and didnt say anything then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Experian and complied with their necessary requirements and steps to handle this matter all in which have failed and resulting to me disputing and addressing this again. 

XXXX XXXX XXXX XXXX OH XXXX Isnt my Address its my mothers XXXX XXXX old address in which that being my mom that address is linked to me! In which I havent lived with my mother in almost 10 years and not at that address.
Product: Debt collection

AFTER OBTAINING MY CREDIT REPORT I NOTICED ENHANCED RECOVERY COMPANY PLACE AN COLLECTIONS ACCOUNT ONTO MY CREDIT REPORT ON XX/XX/XXXX WHICH I HAVE NO IDEA ABOUT I SINGED UP FOR XXXX TO HELP ME GET THIS COLLECTIONS OFF MY REPORT THE DISPUTE DATE IS XX/XX/XXXX I NEVER HEARD FROM THEM AND THIS ACCOUNT IS STILL BEING REPORTED ON MY CREDIT REPORT
Product: Vehicle loan or lease

These following account below are appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX XXXX  XXXX Bureaus. As per FCRA, the XXXX, XXXX XXXX  XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm these accounts. 
ALLY FINANCIAL XXXX Balance {$73000.00} ALLY FINANCIAL XXXX Balance {$20000.00} ALLY FINANCIAL XXXX Balance {$0.00}
Product: Mortgage

I was approved for a XXXX XXXX but I couldn't find anything in my area. I knew I would have an issue getting a conventional loan because of my work history. My realtor informed me to speak with XXXX XXXX XXXX at SouthPoint Financial Services Inc. She told me that she knew of previous clients who used her to close with the same work history. My realtor informed the company of my work history, and I reiterated this to XXXX XXXX and XXXX XXXX, who later took over for XXXX XXXX. They insisted I continue with the process. I was preapproved. Once I went under contract on a property, XXXX XXXX contacted me on XX/XX/2021, stating that I was denied because of my work history. I was livid because they were fully aware of this from the beginning. I reached out to XXXX XXXX on XX/XX/2021, the company 's President to make a complaint against XXXX XXXX and XXXX XXXX for negligence. I knew everything was done in-house, so they could have spoken with the necessary parties to ensure I would be approved. She tried to explain why I was denied. They requested that I pay the appraisal fee and inspection before closing, and since I didn't close, I requested an {$800.00} refund and requested information under RESPA from XXXX XXXX and XXXX XXXX. XXXX XXXX stopped communication. I never received a refund or my documents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 NCB Management Services XXXX XXXX XXXX, XXXX, PA XXXX Re : Complaint against NCB Management Services for Violating Rights under 12CFR1006.34 ( b ) ( 5 ), 12CFR1006.34 ( c ) ( 4 ) ( I ), 12CFR1006.34 ( d ), and 15USC1681-S2 ( 7 ) ( A ), Dear NCB Management Services, I am writing to file a formal complaint against NCB Management Services for alleged violations of my rights as outlined in the Consumer Financial Protection Bureau regulations , specifically 12CFR1006.34 ( b ) ( 5 ), 12CFR1006.34 ( c ) ( 4 ) ( I ), 12CFR1006.34 ( d ), and 15USC1681-S2 ( 7 ) ( A ) .I dispute any and all debt owed to NCB Management Services and request the validation of the debt as well as the purchase agreement between NCB Management Services and the original creditor. Additionally, I am exercising my right to revoke all forms of communication, including email, text, and phone calls. Furthermore, I am requesting NCB Management Services to refrain from reporting and /or furnishing any information related to this disputed debt to consumer reporting agencies. To ensure compliance with applicable laws, I am also requesting proof that NCB Management Services is duly licensed and bonded to engage in debt collection activities. Please investigate these matters promptly and take appropriate actions to address the alleged violations. I appreciate your attention to this matter and look forward to a resolution. 

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

On XXXX XXXX Ive sent a letter to Grain Technology , INC. stating the violations they have done and reporting illegal information on my consumer report. The letter states : To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

GRAIN TECHNOLOGY , INC . 
Account # : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experience between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between ( ME ) and the person ( XXXX XXXXXXXX XXXX  ) that is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s : GRAIN TECHNOLOGY , INC . 
Account # : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent of Non-Compliance Civil liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- XXXX. Civil liability for willful noncompliance [ 15U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax received electronically verification from XXXX XXXX XXXX XXXX on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, XXXX  and Equifax are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not XXXX percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and Retired and a XXXX XXXX Honorable Military Veteran.
Product: Mortgage

I have been paying my mortgage twice a month by automatic debits with no issues, on XXXX/XXXX/16 {$2400.00} was debited, {$1000.00} more than should have been deducted, I spoke to a representative assigned to my account XXXX, XXXX at XXXX explained the incident and he said it was a mistake and that it could be fixed, he instructed me to fax a letter with my request, which I did to XXXX, I did not hear from him for 3 days and he claimed that he could not find the letter I faxed. after going back and forth with no result, I finally gave up and told him I did not want the money returned to my account, as it would be to late and I would not be able to pay my mortgage taxes by the time they would returned the {$1000.00}. XXXX indicated to me that my mortgage was up to date until XXXX 2016, subsequently I was paid 2 weeks later, I paid my taxes online and 3 days later they deducted another {$1100.00} leaving me with insufficient funds, I attempted to call and speak with XXXX but now they refused to connect me to him, I do not have time to explain myself to another representative as he was familiar with my issue. I have been unable to pay my taxes and there is a certificate that will be issued after XXXX XXXX, 2016, the reason I was not prepared to pay my mortgage taxes this year is because I was presented with a hefty IRS bill this year that I was not prepared for. I paid online {$1100.00} on XXXX/XXXX/16 I am assuming the prior deduction and the monies I sent on XXXX/XXXX/16 will cover the XX/XX/XXXX payment.
Product: Credit card or prepaid card

I received a letter in the mail from Synchrony Home Credit Card stating that a card was opened in my name on XX/XX/21. It was sent to my parents home address where my XXXX credit card is billed to, which is why I am just now seeing it. I have not opened a card with this company and am worried that someone used my name to open a card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I found in accurate XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX  XXXX XXXX  Date Filed/Reported - XX/XX/year> Reference # XXXX - XXXX - XXXX Closing Date - XX/XX/year> Court - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.
Product: Credit reporting or other personal consumer reports

This is my second attempt to resolve this investigation I asked ALL three bureaus to investigation and update my STATUS UPDATED. Still it said on my credit report this last time it was updated was XX/XX/2023 and if this report was generated on XXXX XXXX then no such investigation was done. So, I'm asking please hold these three company responsible by removing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
First Progress XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased XXXX airline tickets for XXXX each on my XXXX XXXX XXXX XXXX. 

My credit score was XXXX at that time Credit limit on that card XXXX XXXX open accounts and a total of XXXX available credit total through all accounts. 

On XX/XX/XXXX XXXX reported my balance as XXXX something and my credit score dropped down to XXXX. 

XXXX and Transunion failed to take into account my total credit worthiness and told me my utilization rate was at 55 % and is why my score was affected. XXXX XXXX, XXXX  and transunion told me there was nothing they could do. 

The account is paid in full already but Im not sure why they feel such a large drop after XXXX hours of a purchase with an impressive history as mine was appropriate. All I did was buy XXXX airline tickets for my family and my score drops to XXXX from XXXX?
Product: Mortgage

Dear Sir/Madame- I am a first time home buyer. 

I bought my home in XXXX. Wells Fargo Bank was the mortgage holder. 

In mid XXXX, apparently my home owners insurance expired. I had no idea it expired because I never received notification about it expiring. 

Wells Fargo Bank required me to accept their insurance carrier at a cost three times what I would have been required to pay for two years ( XXXX to XXXX ). 

This requirement by Wells Fargo Bank was improper and the bank provided no guidance or assistance to me in reference to obtaining the required home owners insurance. I later discovered a class action suit focused on Wells Fargo Bank 's forcing their home owners to accept their insurance took place. I was informed after further investigation that Wells Fargo Bank mortgage home owners received compensation but I was never notified about the class action suit, nor did Wells Fargo Bank ever informed me of the suit. 

Recently, in XXXX, Wells Fargo Bank did a home owners appraisal of my home. The bank appraiser stated in the report we had a two story home but our home is three stories. I notified the bank about this error and the bank said do not worry about it because the appraisal was a procedural requirement due to COVID refinancing. I later determined the appraiser used comparable homes as far away as 20 miles from my address for comparison. I informed Wells Fargo Bank of this improper appraisal and they have yet to respond. I notified the bank approximately one year ago and recently sent them a e-mail reminder two months ago with no results to correct my appraisal or to do a new one. 

The latest appraisal came in over XXXX XXXX dollars less than what average smaller homes with half the square footage of my home in my development sell for, therefore, drastically decreasing the value of my home. I am a XXXX XXXX and I reside in the XXXX, Georgia area and there is a pattern of appraisal discrimination resulting in decreased values of property. 

I am seeking compensation from Wells Fargo Bank as my mortgage holder and an apology form them for their failure to respect my request to correct and complete a proper home appraisal in accordance with the State of Georgia requirements. 

Thank you.
Product: Mortgage

XXXX set up bill pay with XXXX XXXX for my mortgage at Santander.  Apparently the payment was sent to Santander Consumer division XXXX {$2200.00} was withdrawn from my XXXX checking for my mortgage payment XXXX received late notice from Santander I called XXXX and they told me they would send me proof of payment letter that I could forward on to Santander XXXX sent proof of pmt as instructed to XXXX Attn : Subject line was my mortgage # and attn : XXXX XXXX I got the fee reversed and made my XXXX pmt so I wouldn't be reported to the credit bureau XXXX I called XXXX XXXX spoke with XXXX, transfered me to a supervisor XXXX - response they are working on it should have an answer on XXXX XXXX I ask for another proof of payment for my files from XXXX XXXX called and was told they don't have it and the XXXX XXXX XXXX was mailed to is not theirs and they suggested I put a stop on the check. I explained to them it was an ACH pmt and XXXX  provided them with the reference # and proof of payment. They told me to call XXXX bank XXXX Bank XXXX called XXXX I was on the phone 2 1/2 hours. I asked if he could work on it and call me back but he said they can not may outgoing calls and as soon as I were to hang up he would be on a new call. At first it sounded like they are going to help but the end result is in 3 - 5 days you'll have an answer - NO answer NO money XXXX called again and spoke with someone in the Tech Dept for 45 minutes and it sounded like I was going to be all set. They were going to have their bill pay provider XXXX call Santander and get it resolved and I should see the money in 3 - 5 business days XXXX I called again and spoke with Tech Dept again because they told me to call via a secure message in my online banking. I had to start my story all over from the beginning. It seems that No one individual can help. They got XXXX on the line and conferenced me in with Santander consumer loan division, which is apparently where my payment went. Again No help. XXXX called me back and conferenced in Santander but they would not talk on a recorded line. So someone special had to call me from XXXX on a non recorded line we call XXXX at XXXX ( the number I was calling for 3 months. It was decided that XXXX would send yet another proof of payment and said again you'll be all set in 3 -5 business daysl
Product: Student loan

Inaccurate information, started dates are wrong and due too 15 U.S.C. 1681 a ( 3 ) a ( 4 ) And states that it should be removed