23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I pay my mortgage on a biweekly basis to be ahead of payments. I switched to paperless statements as Freedom Mortgage recommended. I received a notice on my email that something in my account changed. Upon reviewing, it looks like Freedom Mortgage made errors on how to apply payment to my account going back an entire year. My payments are supposed to be ahead because of the biweekly schedule but it's putting me behind and creating errors on my account. Freedom Mortgage also applying late fees and other fees to my account. I've sent multiple emails and called multiple times to ask them to fix this. They fixed one month which doesn't solve the year-long error they made. Upon sending another inquiry on XX/XX/XXXX, they told me that they would need to research, yet again and said they would need until XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to resolve this issue on my account. I need to review my account with a fine tooth comb to make sure my payments which I have never missed were applied correctly and that Freedom Mortgage is not pocketing fees that they are not supposed to have. Attached is a copy of my payment history showing all payments coming in on a biweekly basis and when Freedom Mortgage made the error and also the past two billing cycles so you can see how they're applying late fees and taking from my account based on the error they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$1600.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  XXXX.
Product: Mortgage

While reviewing mortgage payment history on XX/XX/XXXX, there were several NSF charges that appeared even though our monthly mortgage checks were being received and processed by Newrez every month. On XX/XX/XXXX, I called Newrez to ask about the charges and the Newrez representative stated the fees were for non-sufficient funds. I explained to the representative that no such condition existed since our monthly mortgage checks were being received and processed by Newrez. The representative then shifted his explanation by stating that the fees were to pay off an " NSF fee balance '' from XX/XX/XXXX. I again explain that no NSF situation occurred and referenced Newrez 's own payment history on their online portal. The representative placed me on an extended hold and then finally stated that the fees would be refunded. 

This is our 4th complaint with Newrez regarding deceptive business practices in managing our mortgage. Newrez provided false information during the initial explanation ( which we have complained on before ) and then they attempted to falsely explain non-existent fees. The fees were eventually credited on XX/XX/XXXX, however, their payment history is so disorganized with multiple duplicate entries, incorrect entries, and mislabeled entries that it makes it difficult to determine how much of a payment was applied to where.
Product: Money transfer, virtual currency, or money service

BlockFi digital Wallet. Since XX/XX/11 I am unable to withdraw or access my digital wallet to obtain my funds. I have XXXX XXXX  and a portion of XXXX worth about {$900.00} with overall total worth about {$5500.00} in my BlockFi account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made by CBNA on my XXXX credit report on XX/XX/21. I had made no requests for credit. I called Citibank credit application desk and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both XXXX and to Citibank and await their response hoping that this is thoroughly investigated and the inquiry removed from my report immediately.
Product: Credit reporting 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 a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX  and XXXX  to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.
Product: Debt collection

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 XXXX XXXX XXXX. 
All Accounts : Has Violated my rights. 
XXXX XXXX. XXXX Section XXXX A. XXXX I have the rights to privacy. 
XXXX XXXX. XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a without my written instructions. 
XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact These agencies for months and I have not been able to successfully Opt out and freeze my reports with them and its truly frustrating and they do not care.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} - Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Public record XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Late/Open Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Placed an unauthorized hard inquiry into my credit file. I did not not authorize XXXX XXXX XXXX XXXX to check my credit again. I do not do any business with XXXX XXXX XXXX XXXX. This is a fraudulent inquiry.
Product: Credit reporting or other personal consumer reports

They published XXXX on my credit report and it reported late payments when they said it never will. They removed it off my XXXX and XXXX but left it on my XXXX
Product: Debt collection

I reached out to both the creditor ( HSBC ) and XXXX concerning the debt that isn't mines. XXXX was noticed via USPS certified mail with returned receipt on two occasions starting 3 months ago. I'm yet to get a reply in the mail. I have the returned receipts in my possession as evidence dating back to XXXX and XXXX respectably. Today I decided to contacted XXXX, this time by telephone since I'm yet to receive any documents with a plausible explanation or results concerning my dispute. The representative from XXXX claimed they removed the item but it was placed back on my credit report by the creditor ( HSBC ) and moreover, that they could not remove it again and I couldn't dispute the account again. The representative refuse to accept my request to dispute an inaccurate account. After explaining to her I've contacted the creditor. She claimed that it was nothing she could do for me. I'm dumbfounded by the red tape here. I need your assistance.
Product: Credit card or prepaid card

Paid card off in XX/XX/2021 as I do every month since opening card. Didnt use card in XXXX come XXXX receive a bill for {$74.00} for late fee and finance charges when there was a {$0.00} balance. Called tried to talk to the rude customer service girl got to the point I just closed account. She said I had no choice but to pay. I paid the {$74.00} and now Im XXXX a month later I receive another bill for {$42.00}. Card was paid off and account closed. Called again and yet another rider customer service girl who said the same thing pay it there is nothing they can do. I am not going to fall for that again they are financially XXXX XXXX and if I keep just paying on a closed and paid off account they will continue to send a bill with some excuse every month. Enough.
Product: Debt collection

On XX/XX/2020 I mailed a letter asking for validation an alleged debt. I only received an account summary which was not debt vaildation. So I wrote another letter on XX/XX/2020 addressing that. My requests were ignored on two occassions and I know the letters were received because I mailed them certified with return receipt so i could know. On XX/XX/2020, I noticed this illegal debt was still showing on my credit report so I mailed another letter to them of estoppel by silence which I read about online. On XXXX XX/XX/2020 they sent me correspondence again which stated it was an attempted to collect a debt and sent an account summary and a bill again which is not debt validation. On XX/XX/2020, I mailed another letter addressing that it they didn't validate the debt per fdcpa. On XX/XX/2020, they mailed me more correspondence which clearly stated this is an attempt to collect a debt a nd just basically said that they manage LVNV Funding LLC. To date, this illegal debt is showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the following accounts : XXXX XXXX XXXX XXXX-Date Opened : XX/XX/ XXXX  XXXX XXXX XXXXXXXX XXXX XXXX-Date Opened XXXX XX/XX/ XXXX
Product: Money transfer, virtual currency, or money service

I am accusing US Bank customer XXXX XXXX XXXX being involved with fraud. US Bank has done nothing except give me the run around every time I call to try and get my money back. This money will fraudulently transferred to XXXX and I want all of it back. US Bank has done nothing to resolve my issue and hiding behind the fact I am not their customer when they can clearly see the transactions took place and I have provided them all the evidence showing them that their customer is involved with fraud. Now the government knows you will do nothing when someone has proof of your customer engaging in fraud. I am asking you ( US Bank ) to do the right thing and return all the money your customer was involved in stealing from me. 

I am writing to file a formal complaint regarding 5 fraudulent and unauthorized transfers from my bank account to US Bank account holder XXXX XXXX XXXX. These fraudulent transfers totaled {$150000.00}. All 5 fraudulent transactions were sent to XXXX XXXX XXXX account at US Bank ( Routing # XXXX Acct # XXXX ) and occurred on : XX/XX/2021 - {$18000.00} XX/XX/2021 - {$18000.00} XX/XX/2021 - {$56000.00} XXXX {$50000.00} XX/XX/2021 {$15000.00} This unauthorized and fraudulent activity has created a massive financial hardship and distress to both my family and myself. Enclosed in this complaint is a copy of the XXXX Report, FBI Report, XXXX Police Report, & the FTC Report which verify my claims. I am requesting a full refund plus applicable interest from US Bank due to this fraud. Names and account numbers will be furnished upon request. All of these transactions were unauthorized by XXXX XXXX. The transactions are as follows : XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$56000.00} From XXXX XXXX # XXXX to US Bank # XXXX XXXX {$50000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX XX/XX/2021 {$15000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX Supporting documentation for each transaction to US Bank can be provided upon request. Again, I am requesting all money be returned to me plus interest due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

citi denied to explain to me in detatails why my account was closed i feel discurimation here because I have a XXXX  last name
Product: Credit reporting or other personal consumer reports

I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I did not authorize these
Product: Debt collection

I am writing this in response to your letter because I do not believe I owe what you say I owe. 

This is the first time Ive heard from you, or any other company on this matter therefore, in accordance with Section 809- Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me with, in writing the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgement Show me that you are licensed in my state, and provide your license number Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that ; You can not add interest or fees except allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either into cease you collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgement without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXXXXXX XXXX XXXX. 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 

If you do NOT own the rights to collect this debt I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 

Finally, in accordance with section 805 ( c ) Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminate or you are taking specific actions allowed by law.
Product: Credit reporting or other personal consumer reports

There are several things on my credit report that are way beyond seven years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the California XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.
Product: Mortgage

Exercised Right of Rescission on XXXX. No documentation or response received from Bank of America as of XX/XX/2021 regarding rescission or refunding of any and all costs associated with this refinance closing. Refer to complaint number XXXX.
Product: Credit reporting or other personal consumer reports

I requested thrice for the student loan data related to XXXX XXXX be removed. I had an automatic approval via XXXX XXXX XXXX XXXX XXXX  which was a letter provided to them. The settlement in this court order, also provided, advised that the account was to be completely discharged, all trade lines removed as if they never existed and including a full refund. The CRA have all stated that Nelnet confirmed this account to be valid when it is in fact NOT. These items are detrimental to my financial wellbeing. The Department of Education has acknowledged to XXXX via letter ( also attached ) that they missed their deadline and have began to blame servicers, leaving all qualified consumers in the middle.
Product: Student loan

I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XX/XX/XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action