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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted company to ask a correction on the lenght of credit history with the XXXX XXXX XXXX. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with Transunion correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX report.
Product: Vehicle loan or lease

This is the XXXX complaint filed against Santander Consumer USA regarding misapplying my car payments, over collection/unexplained fees and failing to roll my due date when full car payments have been made. FOR THE RECORD, I have never paid a partial car payment on my car loan .... ON XX/XX/XXXX Santander USA responded to a Consumer Financial Protection Complaint filed, by letter stating they issued a partial payment of {$140.00} ( money owed to me after they conducted an audit ) to the XX/XX/XXXX car payment. Santander reduced my car note from $ XXXX to {$340.00} according to my XX/XX/XXXX billing statement. Per my car payment history my last payment made was {$490.00} on XX/XX/XXXX ( my car loan is paid ahead ) on XX/XX/XXXX, I paid my regular car payment of {$490.00} instead of paying {$340.00}... 

On XX/XX/XXXX Santander applied {$17.00} to my principal balance from my car payment of {$490.00} and the remaining of {$470.00} went to interest. I called and asked where did the {$140.00} GO, this was money owed to me. The representative stated it went towards interest. I told her this is WRONG WRONG WRONG. 

Per Santander this is a daily interest simple loan and interest is based on the last date of payment to when the next payment is made. My daily interest is {$11.00}, from XX/XX/XXXX to XX/XX/XXXX is XXXX of interest. XXXX x {$11.00} daily interest = {$480.00} of interest owed. HOW AND WHY did Santander take {$610.00} in interest which was the {$470.00} of my car payment plus the {$140.00} ( money owed to me ) I am owed {$130.00} towards my principal balance not $ XXXX. THIS IS YET AGAIN ANOTHER Greedy tactic BY Santander. to XXXX the life out of consumers by gouging interest from car loans..
Product: Bank account or service

Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.
Product: Mortgage

I went into forbearance in XXXX of 2020 and was given 12 months of forbearance. I was told I was in loss mitt and that I needed to continue payments or I would be kicked out of loss mitt. So I caught up on all of my payments and I had given them 90 days and they said they mailed something to me. I never recieved anything. I have been calling back Monday the start of every week trying to get a call back or something. No such luck. Now I am late in XXXX and XXXX. My loan modification for covid 19 should have been in effect by then. I was advised by the foreclosure prevention service to file a complaint because this is a common happening in the dovenhule mortgage company. Also my credit is ruined. I have proof of payments made from end of forbearance to XXXX and XXXX XXXX XXXX. Through XXXX. and now I was told that I can't apply for any more help even though the program I was needing wasnt available at that time. So my credit is showing 180 days late which is untrue. I have made payments to them, I am only 1 or 2 months behind right now. This is insane they say I should be recieveing info in the mail. And I never do. No one calls me back, and if they are using the terrible credit score they forced upon me I won't be getting a very good loan modification. So in the loan mod the forbearance was going to be added to the end, I was to get an interest rate reduction and I was having the pmi removed because it's below 80 % ltv. Please help me.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX XXXX XXXX  it was current they just reported the account was closed 2 years later and my score dropped XXXX points. They also charged me service fees after card was closed
Product: Mortgage

I refinanced my mortgage with Bank of America a few years ago. They forced me to enroll in auto payments, which prevented the ability to add an extra amount to my payment to pay off my mortgage. Their online system does not allow you to make inter-month additional payments to either principal or my escrow account. I think BofA intentionally makes it difficult to pay off your mortgage. I 've pursued my complaint with them directly and I am told I can either schedule an additional payment ( I ca n't afford to make 2 payments in a month and add {$100.00} ) or mail a check for the additional principal I want to pay down. It is not convenient. I do n't understand why I ca n't make an additional payment whenever I want for whatever amount I want when I have additional money available with the intent of paying my mortgage off earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft. FTC report number XXXX. TransUnion, XXXX, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXXXXXX 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 XXXXXXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.
Product: Checking or savings account

Navy Federal Credit Union locked my account on XX/XX/2023. By the time I was made aware the department was closed. I called today on XX/XX/2023. They claimed a {$950.00} payment was fraudulent and that I am now responsible for that money that was withdrawn out of my account. Further they locked my account access and are not allowing me to login or make payments through the mobile app. I have spoken with the sender of the funds and they are saying they did not report any transaction as fraud. This was told to the representative whose name is XXXX. If you listen to the phone conversation dialed from XXXX you will see that the representative claimed the transaction was reported as fraud. The sender has a sworn and signed statement claiming the payment was authorized. This proves the representative lied. 
CFPB Orders Navy Federal Credit Union to Pay {$28.00} XXXX for Improper Debt Collection Actions They have used similar tactics as described in this previous claim. I think that Navy Federal unfairly and illegally removed access and blocked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX XXXX Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXXXXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of this account
Product: Debt collection

XXXX   XXXX   XXXX   XXXX    thr ough its servicer Nationstar Mortgage is continuing to collect a debt that is not owed on a mortgage that the  State Court ha s ruled is not enforceable.
Product: Mortgage

I have had automatic payment set up for this account for at least a year. A few months ago I noticed a larger than normal withdrawal payment. They stated my insurance had bee canceled and they were charging an additional $ XXXX for forced insurance. I provided them proff of insurance and that it had not lapsed. I was told I would have to pay the additional funds for three months regardless. Their reasoning was that they could not make an escrow analysis until then. I continued making the payments for the proper amount. The money was placed into a suspense account from which they still withdrew the forced insurance firs, leaving the payment short, and charging a late fee. Calls and emails to my " account manager '' have never been answered. The phone number given does not work. Calls to customer service are placed on hold then dropped.
Product: Mortgage

I closed on my home on XXXX my first mortgage payment was due XXXX that payment was sent by my bank autopay on XXXX my second mortgage payment for was sent out on the XXXX because a letter sent out stating that another company would be servicing my mortgage. Now I have a two different companies servicing and to my there was a third. No took the time to update their system to see if I was current with my payments so my account is being tossed around like a football. The next I know I'm being overwhelmed with letters of pass due amounts to be paid in full, behind in payments, foreclosures, late charges, loss mitigation, corporate advance charges and loss of my home and so on all of this in one week what am I to do? I called to let them know that they in the worng but letters kept coming. They were harassing and bullying me using their CORPORATE scare tactics. To make long story short l got online and found CFPB to make an complaint. Also I had two different loan number
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 







accounts are not complete and accurate. 



And XXXX more thing according to 15 USC 1681s-2 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. 



XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE IS INACCURATE DATE OF LAS ACTIVITY IS INACCURATE LAST PAYMENT DATE IS INACCURATE I sent a letter asking them to make sure everything is complete and accurate. 



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



And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. 



But they did not do that as well either. 



and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I am requesting for this account to be DELETED my credit report. 

Please see this attachment below Delete this account immediately Dues violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681 e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX  XXXX  XXXX - XXXX opened XX/XX/XXXX
Product: Mortgage

I am trying to refinance my mortgage. However my existing mortage company XXXX Capital mortgage Texas XXXX is not providing payoff amount to new lenders causing delay in loan closing
Product: Credit reporting or other personal consumer reports

XXXX contact XXXX XX/XX/year>2024 and informed them all my loans from XXXX XXXX and Dept. of Education was discharged and should be removed off my credit report XXXX removed partial they only removed my XXXX XXXX closed accounts and never removed my Dept. of Ed. Closed accounts and I also tried to dispute direct with XXXX and they refused to remove them even though they was notified from Dept. of Education & XXXX also Experian credit bureaus still have XXXX XXXX and Dept. of Education listed on my credit report as well all theee bureaus was notified by Department of education in XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

Date : XX/XX/19 Amount : {$400.00} Company : Coinbase Action Taken : Funds originally placed on hold for 16 days Called to get the hold reduced ( since my funds already cleared bank account ) Coinbase increased hold to 26 days Multiple tickets have been opened ( # XXXX, # XXXX, # XXXX, # XXXX ) I have ACH trace numbers and proof that the funds cleared. 

Per Coinbase : " Deposits are placed on a temporary hold while we wait for the transfer to clear ''
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY REVIEWED MY XXXX, XXXX XXXX AND EQUIFAX CONSUMER REPORT AND SEE THERE ARE UNAUTHORIZED INQUIRIE I DID NOT INITIATE NOR DID I BENEFIT FROM ANY OF THEM THE INQUIRIES LISTED ON THE REPORTS ARE FRAUDULENT THE INQUIRIES ARE 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: Checking or savings account

US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check, and I was not able to withdraw the funds in person at the branch. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.
Product: Debt collection

Someone used my name and social security number to get utilities in their apartment.
Product: Debt collection

Okay I was contacted about this debt I asked them multiple times to feel out a debt validation letter. And they keep giving me sub par information and a bunch of XXXX about the company.
Product: Debt collection

I am writing to file a formal complaint against PROCOLLECT , INC regarding their failure to provide a validated verification and essential information in response to my disputes. 

On XX/XX/2023, I submitted disputes to PROCOLLECT , INC in accordance with the Fair Debt Collection Practices Act ( FDCPA ) requesting a validated verification of the debt they are attempting to collect. Despite my efforts, the agency has only responded by sending a bill and a lease, which do not serve as proper validation of the debt. 

I sent another dispute XX/XX/XXXX XXXX requesting them to send proof they failed to do so by sending me the same letter as before. 

On XXXX I asked PROCOLLECT , INC to reinvestigate the insufficiency of the documentation they have provided. I gave them 15 days to respond. I have not received a response. 

In my subsequent communications, I specifically requested the following information : Original Creditor 's Name and Contact Information : I have yet to receive any details regarding the original creditor 's name and contact information. This information is crucial for me to verify the legitimacy of the debt and address any concerns directly with the original creditor. 

Verification of Legal Authority : I have requested verification that PROCOLLECT , INC has the legal authority to collect this debt on behalf of the original creditor. It is imperative that the agency provides evidence of its legal standing to pursue collection activities. 

Proof of Ownership : I have also requested proof of ownership of the debt, demonstrating that PROCOLLECT , INC has the right to collect on the alleged debt. This information is essential to ensure the validity of the debt and the legitimacy of the collection efforts. 

Despite my requests and the stipulated time frame for response, PROCOLLECT , INC has failed to provide the necessary documentation and information. As a result, I find myself in a difficult position where I am unable to adequately address or resolve the concerns related to the alleged debt. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I seek your assistance in ensuring that PROCOLLECT , INC complies with the FDCPA by providing the validated verification, the original creditor 's information, proof of legal authority, and proof of ownership within the prescribed time frame. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.
Product: Credit card or prepaid card

Called Capital One to explain my financial problems. They only wanted to forgive my past due fees not lower any amount of any type of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report XXXX Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.