23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My closing disclosure document states on the page 4 that HOA fees were included in the Escrow costs from USAA for a monthly payment of {$370.00}.

When I signed my initial monthly Escrow payments disclosure the payments stayed at {$370.00}.

USAA has admitted that my

C losing Disclosure form is inaccurate, but now I'm stuck with the {$92.00} payment every month for my HOA when I thought that was included in my monthly Escrow Payment. It seems like a deceptive way to get someone into a mortgage and then come back with fees at a later date. The form on your website seems to say that's where I look for covered costs and HOA is written in there clearly. I've included my CD below where it states that HOAs are covered.
Product: Checking or savings account

I have overdraft protection yet my account was allowed to be overdrawn by XXXX after calling to dispute why my account was allowed to be over drawn by so much a credit that I didnt ask for was applied but no information as to why my account was allowed to be over drawn and now they have said theres nothing they can do. How does Over draft protection work?
Product: Credit reporting, credit repair services, or other personal consumer reports

No I'm gon na need all of the non beneficial and negative XXXX 's on my credit report to be taken down immediately because because they are violating my right under USC 15 1681 B. I have a right to privacy and I didn't consent to these nor did I say it was okay to put out my inquiries they also need to be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my MS State issued EppiCard. I tried using it again the same day and the card was declined. Within a few days, I received a letter in the mail stating the card was possibly fraudulently used and the account and card would be suspended and then gave me a 1-800 number to call. I have called over 10 times now ( at least once every week ) and can't get anyone on the phone. It rings twice and goes straight into a hold message. I've been on hold for over an hour several times but can't seem to get this resolved to unlock my account to access my child support money. I've also tried contacting MDHS only to be transferred back to the fraud division number. I've also asked if I could come in to the MDHS child support office and sign the necessary forms to have my funds direct deposited instead of using the EppiCard. The gentleman that I talked to today said this would have to be resolved first. So I spent 4 years trying to get child support only to have my child support locked up due to an ineffective system of controlling child support funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$20000.00}-
Product: Mortgage

Select portfolio servicing ( SPS ) bought out XXXX I believe the end of XXXX. We have been in backrupty since XXXX. They have sent multiple letters and bills weekly, until my XXXX  attorney stopped them. They tried to foreclose on us while in XXXX, XX/XX/XXXX, I believe. They know we are in XXXX. They decided to start taking out PMI, which we have never did. We pay our home owners insurance and taxes ourselves. That is how the loan got originated. Our real estate attorney told us no matter if we are in XXXX  or not, they can't just decide to take pmi out. Granted our XXXX XXXX not even be high enough for them to do so either. I am a realtor, so I know a little about this and it is illegal. They past year property taxes were paid by them, when it is not supposed to be. I got the bill in the mail and it was already paid by then by the SPS company. They refuse to talk with us about any of this. Every bill they send has different amounts on it, which don't make sense. They have even called and harrassed the XXXX department, when there was a hold on them making payments. They were trying to foreclose on us at this time. Harrassing to XXXX XXXX the tax department called me and told me SPS company said, " Take the XXXX check, I will keep sending the check until you take it. '' Thank XXXX the tax department called us. They were trying to foreclose on XXXX secretly, we never got paperwork. We are finishing up XXXX  in XXXX well they paid my property tax for XXXX, because they said they are taking pmi out now because they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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

I was scammed via XXXX  from someone trying to purchase a rental home for a few days. They took the money and never showed up to let us into the home. I have all of the proof of conversations and a rental agreement. Unfortunately, the information that was provided by the owner was false. Ive contacted Wells Fargo multiple times to help me get my money back. I do feel as though with my proof I should be entitled to my Money back. I also have filed a dispute with XXXX. Sent money, {$1100.00} via XXXX  on XX/XX/XXXX through Wells Fargo. Disputed on XX/XX/XXXX telling them immediately it was fraudulent. They did not ask for any proof or documents regarding my case. They closed it and claimed that they sent a request to the bank asking for the funds backthe other party is not going to send it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Affirm and they said the information they are reporting is correct ; that is false as I have evidence to prove it. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 states the consumer has the right to privacy. 15 USC 1681 Section 604 A section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I did not give Affirm or any consumer reporting agency written instructions to furnish or report this on my report. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Affirm has stated on their website via the Help Center in the Affirm and your credit score section that if a consumers loan repayment activity is reported to a credit bureau, the entire loan history will be reported. That is inaccurate as only my late payments were reported to XXXX and not the entirety of the loan. Per the FCRA, inaccurate or incomplete information must be deleted or corrected. I have attached and highlighted the section from their website stating the above and screenshots of my payment history via XXXX which clearly has only my late payments listed and not the entirety of the loan repayment history which they have stated on their website. I am requesting DELETION of the following late payments as this is severely hindering my financial progress to provide a better life for me and my family. 

Lastly, I missed payments for the month of XXXX. Per my XXXX credit report nothing is listed for the month of XXXX and all late payments are in XXXX and/or XXXX which for those months I made full payments. This is also inaccurate information being reported. The adverse accounts are listed below and evidence is attached with this email as well. 


Affirm acct # : XXXX Affirm acct # : XXXX Affirm acct # : XXXX Affirm acct # : XXXX
Product: Debt collection

Scam collections attempt. Shady business practices targeting the ignorant. 
Received a debt collection from Northland for Creditor XXXX XXXX XXXX Northland Reference # XXXX Creditor XXXX Creditor Account # XXXX Account Balance {$25.00} Dated XXXX XXXX, 2015 Northland Group XXXX Inc member of XXXX XXXX XXXX XXXX, NJ XXXX This is the first notice from this debt collector. The amount owed is supposedly {$25.00}. The notice states that it is for a returned check. 

I immediately called XXXX to verify this nonsense. XXXX the initial account rep and his supervisor XXXX ( XXXX case # XXXX ) verified I have never had any debt, late payment and/or any returned amounts. I have also verified this with my bank searching as far back as 1 year of bank statements. Additionally, this letter was dated XXXX XXXX, 2015 but indicates absolutely no specific date of occurrence or even suggests a date range. 

I find it shady also, that the pre-determined address selections in XXXX complaint process for Northland Group : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN Main Billing Complaint Mailing are not even related to what is on the actual mail I received. 

Another fly-by-night scam operation targeting the ignorant. 

Seems as though the XXXX Personally Identifiable Information ( PII ) leak has lead these XXXX collections scam artists to attempt and collect from those not so wise to their games. 

Northland had replied to a XXXX compliant ( XXXX Case No. : XXXX ) I filed, stating the exact date, time, items and amount of purchase being that of {$36.00} on XXXX XXXX, 2015 at XXXX. However, this transaction does not take place on my bank account on the specified date but on XXXX/XXXX/2015 and it does not reflect an issue of payment. XXXX also has confirmed that this was not a failed ability to pay. This leads to one fact, if I had not called and verified with XXXX, checked my bank account, or filed a complaint with XXXX, Northland would have gladly took my money and more. 
Bottom line, somehow Northland is collecting false data from various vendors, or XXXX is leaking information to collections on false pretenses. Either way, if I had paid Northland like so many others had, I can only imagine how many false collections have lined the pockets of these scam artists over the years! On XXXX sides, Northland and XXXX, should be immediately addressed on this matter and dealt a swift punishment. Additionally these companies should be required to compensate those that have ignorantly paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Authorization to Proceed with Identity Theft Dispute Case Reference # XXXX To Whom It May Concern, I am writing in response to your request for authorization to proceed with my identity theft dispute regarding fraudulent accounts on my credit report. This letter serves as my formal authorization for Experian to investigate and act upon my dispute filed under FCRA Section 605B.

As previously submitted, I have provided : 1. FTC Identity Theft Affidavit ( XXXX XXXX : XXXX ) XXXX. Police Report ( Report XXXX : XXXX, XXXX Police Department ) XXXX. Statement identifying fraudulent accounts XXXX. Supporting documents as required by law Authorization Statement : I, XXXX XXXX XXXX, explicitly authorize Experian to proceed with the dispute investigation and removal of the fraudulent accounts and inquiries associated with identity theft from my credit report. You have my full permission to take the necessary actions as mandated under the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing that you have received this authorization and are proceeding with the investigation. If further clarification is needed, you may contact me at XXXX or XXXX. 

Failure to act on this dispute in accordance with 15 U.S.C. 1681c-2 ( a ) and 15 U.S.C. 1681i will be considered a direct violation of federal law, and I am prepared to escalate this matter accordingly. 

Thank you for your prompt attention. I look forward to a resolution within the legally required timeframe. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
Medical XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

On XX/XX/2019, I received a voicemail. It said, " There is currently a court order being filed to suspend all activity with your social security number. To review all immediate rights and details, contact Commonwealth at immediately today at XXXX, once again XXXX. '' The voicemail then continued in XXXX. I think this voicemail is threatening something outrageous and unenforceable in order to get me to pay them money. I have complained to the credit reporting bureaus to have Commonwealth removed from my credit reports, but they have not done so yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance {$9300.00} Original Payment : {$41000.00} Account Charge off. {$38000.00} In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

The following information is derogatory account allegations are UNTRUE, UNVERFIED, INCORRECT, UNTIMELY NOTPROVEN COMPLIANT 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681a ( 2 ) ( B ) reports containing information soley as to transactions or experiences between the consumer and the person making the report.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : This collection account on my credit file that doesnt belong to me it has the wrong address signature that doesnt belong to me
Product: Credit card

On my XXXX/XXXX/15 Citi card statement I noticed a late fee of {$37.00} and an interest rate charge of {$0.00}. applied to my account on XXXX/XXXX/15. The statement shows a payment of {$60.00} posted on XXXX. An electronically transferred payment! The call rep said she would put in a request to rescind the late charge. She said the payment was received a 'day late '. Citi electronically transfers these funds. Why am I being charged late fees for for funds transferred by CIti? 
I thought the problem was resolved, but my XXXX/XXXX/15 statement revealed otherwise : an additional {$37.00} was ADDED. Each time they gave me a 'dunning ' call they just would n't listen to reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments. They refuse to investigate these inaccurate accounts on my credit file and continuously lie and give me excuses when I call.
Product: Money transfer, virtual currency, or money service

Hi there, XX/XX/XXXX I got an automated e-mail from Coinbase asking to follow a link to give additional information about myself. The massage was advising me if I do not comply with their request till XX/XX/XXXX my account would be frozen. 
Never the less they froze my account the same day XX/XX/XXXX? 
The provided link worked only within several days, but I could provide the information before the limit date. 
Since than XX/XX/XXXX, may account is frozen. I haven't access to it at all. I even can not see if my funds are still there. I got an answer from the customer only XX/XX/XXXX that they forward my issue to a superviser who will check my account. 15 days have past, nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Professional Debt Mediation via certified mail in XX/XX/XXXX to inform them that they are in violation of the Fair Credit Reporting Act by listing the debt as an open balance and public information without my consent. I also challenged them to validate the amount of XXXX and the validation letter I received was incomplete and inconclusive due to the fact that rental ledger I received from them only listed rental charges beginning in XXXX XXXX in the amount of XXXX. There is no ledger listed from XX/XX/XXXX ( the first day of the rental ). Also, in the rental agreement XXXX XXXX is listed a my nearest relative. This is inaccurate/false because the handwriting is not mine. This complaint is based on inaccuracies and lack of full disclosure which violates FCRA guidelines.
Product: Credit reporting or other personal consumer reports

XXXX was my original XXXX loan servicer. 

XXXX XXXX  and XXXX XXXX have replaced XXXX on my credit report. 

XXXX XXXX consolidated my loan in XXXX 

XXXX XXXX is my new loan servicer. 

XXXX used unethical practices to harm XXXX loan borrowers. 

I would like to see those closed inaccurate accounts deleted from all three major credit agencies.