23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX d/b/a XXXX Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but XXXX d/b/a XXXX Mortgage took cash. Since then, XXXX d/b/a XXXX Mortgage has sold the note to Roundpoint Mortgage Servicing Corporation and is now liable both criminally and civilly.
Product: Checking or savings account

On today e have not been able to establish credit from the accountant as given permission to transact my account before the loan management and asked us to give them a report on locating my money and did not allow me to establish credit to my account for the banking needs so I contacted the tag name and as ripped off declined to refund the payment assured in the calculation of the pay pal unit and lost the money to the cash app user.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.
Product: Money transfer, virtual currency, or money service

TransUnion advertised free credit monitoring, and did not mention any charge when signing up for their service. However, after signing up for their service on XX/XX/XXXX, I received a previously undisclosed monthly charge for XXXX. 

There is also no online location I can find to cancel the monthly charge.
Product: Credit reporting

To begin, I make this request for myself and by myself without the current assistance of an attorney or other aiding organization. My account with the Consumer Protection Bureau is directly linked to my personal email account that I have had for over 10 years. I am a well educated individual who is very aware of my rights as a consumer. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the information provided on XX/XX/2017 within 14 days of this request. 

I make this request because I find it very unlikely the aforementioned creditors have legally verified the information. This is due to the fact that I have directly requested supporting documentation proving I owe the balances they are demanding and they have failed to produce any evidence. In some instances I know the balances are grossly misrepresented. In some instances I am completely unaware of where the account originated from. Despite being unable to validate the information they are still reporting the inaccurate information. Which is why I am placing the burden of accuracy onto Experian, a right the Fair Credit Reporting Act affords me. 

Although, it is not Experian 's obligation to mitigate disputes between consumers and data furnishers, it is Experian 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; data furnishers can not report information that they can not validate to me, the consumer after I have requested it. This letter is advising you that the companies have not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the blind continuation of reporting their furnished information. 

At a minimum I need a detailed description of how the information was verified. Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I XXXX and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me or fail to provide a detailed description of how this information was verified, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.
Product: Credit card

I used my Best Buy card and after that I started getting messages in my phone and at my house about when my diseased husband opened the account in Fl. Not true since he did not open it. I went to XXXX in GA, and they told me not to worry. I called Citibank Fraud Dept and the second time the customer service told me that she found two credit cards with my husband 's name and recommend closing the accounts since I told her he is dead. I agreed. I did not understand how they are in his name since he never had a XXXX  card. He did not believe on them. Not to mentioned he passed away 17 years ago! Then, I get two ( 2 ) letters from Citibank, no logo, no signatures addressed to the XXXX XXXX XXXX XXXX XXXX indicating to the heirs to communicate with ASCENTION POINT a designated probate to discuss account detail. SO, I AM DEAD!!! INCREDIBLE. Talked several times to Citibank Fraud Dept telling them I AM ALIVE! Now, they sent me a DOC via email to Sign and I am afraid to open it since it might be another spam or fraud Who knows??? 
This is when I decided to contact CFPB for their guidance. Thanks for helping!
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX credit card advertizes 3x points for " Advertising purchases made with social media sites and search engines ''. However, Chase is not crediting 3x points for my XXXX XXXX purchases even after sending them the actual invoice. Chase states that they will not give 3x points since XXXX is describing their services as " XXXX XXXX XXXX ''. 

Since what XXXX does is beyond my control nor should be under my actions, Chase should work that out with XXXX, fix their system, or accept that this is false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I have contacted FTC and the police and I'm doing this on my own. Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. There are also inquiries on my report that are not mine. 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  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: Student loan

My loans were transferred from XXXX XXXX to MOHELA on XX/XX/2022. Firstly, based upon information on the transfer page of their website, my account information should have been accurate as of XX/XX/2022 ( see attached document entitled " Servicer Transfer Status XXXX '' ). Secondly, based upon information previously viewable on my account page, my account information should have been accurate by no later than XX/XX/2022. Thirdly, based upon the explanation of the timeline of transfer, my account information should be visible ( see attached document " Welcome - Transfer to MOHELA '' ). Unfortunately, as of XX/XX/2022, my account information is currently inaccurate, showing good standing but a balance of {$0.00} ( see attached document " Mohela Account Home XXXX '' ). As I have not completely paid off my loans, my balance should not reflect {$0.00} and this information is incorrect. As a result, I attempted to call MOHELA on XX/XX/2022 about this discrepancy but the automated system informed me that they had no information about my account. Similarly, I can view no detailed information in my online account ( see attached document " Loan Detail Information MOHELA XXXX '' ). I do not understand why I am still unable to view accurate account information after being informed that my account should be up to date as of yesterday.
Product: Debt collection

XXXX accordance to fair credit report act XXXX  acct contract callers inc # XXXX And water fall XXXX XXXX act # XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have right to privacy. 15 U.S.C 1681 sections 602 A states it also states when consumer reporting agency can not furnish an account without my written consent
Product: Mortgage

In XXXX I purchased a home ( from my parents ) and Flagstar Bank took on service of my FHA Loan. They  failed to pay ALL the Real Estate tax 's leaving me to pay real-estate tax 's out of pocked to protect myself against a sheriff sale of my home. Their failure to pay tax 's stems from an understandable mistake related to certain complexities in the details of my deed. I have two parcel numbers adjoined onto a single deed. Because of the timing a peculiar error the tax 's were sent to my parents and not the bank. 

On XX/XX/XXXX and XX/XX/XXXX, following instructions on their website, I emailed them copies of the delinquency notice and requested follow up. I received an auto responder both times. 

On XX/XX/XXXX I called to inquire about the situation. I spoke to a series of Customer Service representatives before speaking to someone who understood the issue. I was assured that the issue would be taken care of and that I would be notified. 

On XX/XX/XXXX I called again to verify that the issue had been resolved. I was told that no one at Flagstar had been able to reach the county tax office and that the issue had not been resolved. 

On XX/XX/XXXX I emailed the county tax office and received a return call. I explained to them the situation and they confirmed that they could provide any documentation Flagstar Required. 

On XX/XX/XXXX I paid the delinquent tax 's and penalties to the county. 

On XX/XX/XXXX I called Flagstar to inform them that I had paid the taxes and requested that they adjust my escrow account accordingly and forward a refund for the delinquent taxes I was required to pay out of pocket. The told me that the best they could do was run a report on my account and that they would let me know the result. 

On XX/XX/XXXX I called Flagstar to find out what results they had found. The customer service agent seemed surprised by the situation. She understood what the problem was and promised to escalate the issue and assured me someone would be in touch. 

To date I have not received a response. I now have XXXX tax bills waiting to be paid.
Product: Debt collection

They call our office multiple times a week- they hang up on us when we answer- even on weekends. We have called them back and asked them to stop calling- they claim that we are not on their call list, but yet they continue to call. This is our second complaint to cfpb about these people. ( XXXX ) It needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX was transferred to Loancare , LLC. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by 1. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and Loancare have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. XXXX.
Product: Debt collection

Advanced collection was notified in XX/XX/XXXX that they were in violation of Fla Stat 559.715 ( FCCPA ) of the Fla sunshine law. Collector states they " supposedly '' sent assignment letter although they have no proof they ever sent said letter. 
Collector was advised that they had violated my rights by listing the " alleged debt '' on my XXXX n XXXX credit reports. Collector was further advised that said " alleged debt '' was beyond the 4 year statute of limitations to collect on a debt and furthermore collector has exercised no due diligence in attempting to get said assignment letter to myself prior to listing debt. 
Collector did try mailing myself something after being advised not to contact myself on said alleged debt on my second contact. 
Furthermore, whomever has my file violated both XXXX XXXX FDCPA law by uttering the statement " well if you ever feel like paying the doctor let me know. '' This is a harrassing statement as well as derogatory.
Product: Money transfer, virtual currency, or money service

PayPal closed my account after I recently created it and received money from a friend. They wont help me getting it back up. I dont know if this was a mistake, which it may have been, but they wont help me. They only tell me I have a limit on my account. I figured I could file a report to this trusted company since PayPal wont do there job. My email linked to my PayPal is XXXX Please help, Thanks
Product: Checking or savings account

I opened an account with Wells Fargo on X/XX/2017 with a new account bonus of {$150.00}. The bonus required two things. <P/>1. Two ( 2 ) mobile wallet transactions for a cumulative amount of {$10.00} or more 2. Ten ( 10 ) debit card transactions Then you would get a {$150.00} new account incentive. <P/>They authorized my XXXX XXXX credit card two times for an opening deposit of {$25.00} each. I got the account number and deposited additional funds and completed the requirements over a week ago. <P/>I sent them a message inquiring about the terms of the promo and to make sure I qualified. I got a reply listing the terms of the promo that was applied for when my account was opened. <P/>Their terms included a few things which were not fulfilled on Wells Fargo 's end. <P/>1. They never took the opening deposit ( which they authorized 2x ). 2. They allowed me to open an account with this promo code and stated successfully it was applied to the account for me to earn on the approval. <P/>With both of these not happening I have been told I am ineligible for the bonus. This is something that is very misleading and not fair in any capacity. 1. If there is a promotion and you let someone apply for it and tell them they are eligible then you need to honor the promotion. 2. They blatantly messed up when they did not take my opening deposit and no one admitted that was their error which it was.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX  ( 14 minutes ago ) to me I have a mortgage modification with Rushmore Management Services in Puerto Rico . This property is located in a Horizontal Property, therefore, I am unable to contract the hazard insurance because the XXXX XXXX XXXX made a hazard insurance contract until XX/XX/XXXX. 

For some reason that I do not understand, Rushmore decided to add a hazard insurance policy every year on XX/XX/XXXX. They sent me an Annual Escrow Account Statement dated XX/XX/XXXX where they informed an increase on the hazard insurance effective XX/XX/XXXX ( see attached document ). They do know the current policy is effective until XX/XX/XXXX, and that the XXXX XXXX XXXX is the ONLY entity entitle to negotiate the hazard insurance because the property is covered by the Horizontal Property Law. 
I had the same situation last year ( XXXX ), which resulted in the devolution of the monthly payment ( {$520.00} ) for the month of XX/XX/XXXX and a late charge of {$24.00}. Then, Rushmore had to accept the mortgage monthly payment ( {$520.00} ) and took them SEVERAL months to eliminate the late charge. 

After calling Rushmore many times and spoke with many customer service representatives of the XXXX, TX, XXXX, CA, XXXX, CA, and XXXX XXXX, PR offices, I wrote 3 emails dated Wednesday, XX/XX/XXXX, Wednesday, XX/XX/XXXX, and Monday, XX/XX/XXXX to AVOID the mortgage monthly payment DEVOLUTION and INCORRECT LATE CHARGES which might result in affecting my credit score. 
Since NONE of the emails have been answered, I have been pushed to appeal to you. 

My actual mortgage monthly payment is {$540.00} due to an increase in the hazard insurance policy for the month of XX/XX/XXXX ( refer to attached statement ). As you may observe, in the XX/XX/XXXX monthly mortgage statement ( see attachement ) there is an INCORRECT increase in the escrow account due to the hazard insurance that is NOT effective until XX/XX/XXXX. 

I have tried to solve this situation through Rushmore 's Customer Service Department and written emails with NO RESULT ; therefore, I have to appeal to you. 

Thank you
Product: Credit reporting or other personal consumer reports

I believe that under FCRA 605B, we must eliminate any erroneous accounts from my credit report. Can you review the documents? Some accounts listed have inaccurate information concerning the reporting, amounts, and dates.
Product: Credit card or prepaid card

Capital One Card : I have not used this card in years. I was not even aware that I still had the card. 
Capital One charged me a member fee w/out my knowledge in XXXX of XXXX. 
They reported credit card late payments in XXXX for this fee. I do not have this card nor have I used this card in years. 

This has been the 2nd time this occurred with them. This happened in XXXX as well. They charged me a member fee for a card that I don't have. I thought I'd closed it. I paid it when they called me but had no real idea what it was pertaining to. 

This is destroying my credit. I do not get paper statements from them nor have I received emails ( or any notice. ) This needs to be corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was dismayed once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit card

Chase unilaterally switched my credit card to a less appealing benefits card without my consent, a violation of the card 's terms and conditions. This lack of respect for my choices as a customer feels intrusive. It appears Chase 's motivation was to cut costs, and their actions misled me through deceptive advertising and unannounced alterations to the card 's terms and benefits.