23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear National Credit Adjusters LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry Fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit Reporting agency advised me to fi le an identity theft Report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Mortgage

Today I am being charged an escrow shortage of over {$2400.00} despite my best efforts to work with XXXX XXXX  ( my mortgage servicer ). I have argued with them for the flood insurance that I have paid out of pocket since. Additionally, the lender placed insurance coverage, despite holding flood insurance that we paid for out of pocket and have provided the documents to them in XXXX of XXXX valid through XXXX, they have again reinstated double flood insurance coverage costing over {$1200.00} from one of their insurance subsidiaries and again failed to provide us with any documentation regarding this coverage. 

This started on XX/XX/XXXX, I was notified that my mortgage was sold to XXXX, who also owns an insurance subsidiary XXXX XXXX, and that the mortgage is now serviced by XXXX XXXX. In XX/XX/XXXX, I was informed that I had inadequate insurance on my property and that flood insurance had been obtained for me. I did and do have adequate insurance through my providers, so I uploaded documentation of my coverages to XXXX XXXX  and spoke with them on the phone. On XX/XX/XXXX I received a notice that I was having my mortgage increased to {$2600.00}, ( from {$2400.00} creating a hardship for me ) and that there was an escrow shortfall. I repeatedly contacted XXXX, and uploaded my insurance coverages. I again informed them I had insurance coverage and request that they lift the coverage they were now charging me for without my consent. On XX/XX/XXXX I received another notice, this time about the master insurance policy on the condo project itself. I forwarded them the information on my management company and the insurance provider. XX/XX/XXXX, a letter arrived in the mail that additional flood insurance had been placed on my property followed on XX/XX/XXXX, by another letter notifying me of another escrow shortfall and an increase in my mortgage payment to {$2800.00} ( now up over $ XXXX ). I was now desperate to correct the situation and get my prepaid insurance coverages recognized by XXXX XXXX. I made over 3 phone calls and uploaded documentation repeatedly. Today, XX/XX/XXXX, I am still being charged $ XXXX for my mortgage that was originally XXXX despite holding more than adequate insurance throughout XXXX and into XXXX. 

Overall, I believe that I have been the target of a predatory lending practices that are attempting to charge me over {$2700.00} in insurance that was I already carrying over the course of 2 years. Today, I continue to be charged for this insurance without any documentation of the coverages provided to me. I believe that XXXX is purchasing mortgages and then processing lender placed insurance through their subsidiary, XXXX XXXX in an attempt to produce greater profits. Please assist/investigate, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
Shell Point Mortgage has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.
Product: Debt collection

i recently check my XXXX credit report and noticed a lot of loans and inquiry on my credit I did not do. i am currently preparing a case of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX to my life and credit health.
Product: Debt collection

This is my 2nd complaint against Discover Financial Services. In their previous reply, they stated on XX/XX/2016 that my account was placed with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a lawsuit was filed with the XXXX XXXX District Court and on XX/XX/2016, service to you of the lawsuit was completed. In their response, there are several violations under USC Title 15. The first violation as a consumer, is Discover, sharing my private consumer credit transaction with XXXX XXXX XXXX. Federal law states that a consumer credit transaction is private. Discover violated my privacy by sharing my information with XXXX XXXX XXXX and by " filing '' my personal consumer transaction information with the local court. Also, the only court that has jurisdiction according to federal law is a federal court and not a local judicial court. Me signing and agreeing to pay was out of fear, not knowing my rights as a consumer and not knowing that Discover had no right to share my private consumer information with anyone without my written consent. Furthermore, Discover states that I was served on XX/XX/2016. That is not true, as the documents for service were provided to my father XXXX XXXX. After he was given the documents he called me at work to state, " you have papers delivered by the sheriff from Discover saying you owe them almost {$2000.00}, ''. Again, they violated my privacy by serving " illegal '' court documents to my father. Where was my right to privacy as a consumer. As a consumer I am protected by Federal Law. As a result of the violations, especially my privacy, I demand that the account be deleted to prevent Federal filing for compensation of {$1000.00} per violation by law. Discover Bank, needs to prove, in writing, with my wet signature, that I gave them permission to share my private consumer information with XXXX XXXX XXXX or the XXXX XXXX District Court. Also, provide proof from the service that I, personally signed for and was served the documents that were filed in court. Failure to provide either proves a violation of my privacy. So, to prevent legal actions in Federal Court, deletion of the account from all credit reporting agencies is demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Debt collection

On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a XXXX  account. I have not held or owned a XXXX  account. I have attempted to contact Jefferson Capital regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with XXXX  along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. 

If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. 

That being said, Capio, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.
Product: Checking or savings account

I had a joint account with my girlfriend and got money tooken away my account due to her being sued over a debt
Product: Mortgage

I have submitted a modification packet since  XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 there was a hard credit inquiry XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it XXXX  times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Product: Debt collection

I have provided proof that the debt was paid previously, it appears the debt was passed on to another collection agency and the payment not noted. I continue to be called and have a log of those calls.
Product: Credit card or prepaid card

On XX/XX/2020 I signed up for a fencing project through Home Depot and they assigned one of their contractors XXXX XXXX. At which time they were offering a promotion for 24 month XXXX financing. I noticed a {$2400.00} charge on my credit card statement and 12-month no interest financing. On, XX/XX/2020, I reached out to Home Depot customer service and explain to an agent by the name of XXXX that I was supposed to be on a 24 month no interest financing promotion. The service agent corrected my account to the 24 months and told me that I would not be charged until the contractors had started the work But, a week later I received a letter in the mail that stated something diffent from what we discuss and now Home Depot is asking for a payment Which eliminate some of the time on 24 month promotion. I am having an issue with this because no work has started nor did I have a start date of service as promised by the service agent. So, today XX/XX/2020 I contacted Home Depot because of the letter which was not what we discussed and spoke with a supervisor by the name of XXXX and he told me to cancel the order, which he should know that if we cancel the order we would be charged a cancelation fee for the company and would be taking a loss of {$150.00} for a work permit that I was told had to be purchased.
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 is reporting inaccurate information on my Transunion and XXXX reports.
Product: Money transfer, virtual currency, or money service

Coinbase does not offer 1099 forms to report mandatory cryptocurrency transactions to the IRS. I'm not an accountant, so calculating gains and losses is almost impossible for me. Coinbase is forcing their customers to pay money to a third party to have the gains and losses calculated. I shouldn't have to pay for a company to calculate my gains and losses.
Product: Mortgage

Company charged two undisclosed fees that amount to an early repayment penalty. 
One was charging to fax a payoff quote. This is a normal part of servicing a loan. Providing a pay off amount. It was not disclosed or approved by the borrower ( me ). Second they charged to record a loan release. Similarly It was not disclosed or approved. 
Looking at if a different way, if this was not paid, were they not going to remove a lien that had been paid off? The bank here is attempting to make the borrowers bear there costs of early repayment. Neither of these would have been charged if the loan was paid off over it's 30 year amortization and amount to an early repayment penalty. Early repayment penalties are not allowed on consumer loans. It's not a lot of money, so most people would not argue with them over it, but it's not allowed and happening to all their customers. They should refund the {$80.00} to all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

Dear Consumer financial protection bureau, My name is XXXX XXXX, and I am seeking your assistance regarding an unresolved matter with Bank of America thats been going back and forth for almost 5 months now. Despite my numerous efforts to resolve this issue with them directly, I have encountered significant obstacles that suggest a lack of professionalism and customer care. The issue dates back to XX/XX/year>, when I booked a family cruise using my Bank of America credit card for {$5900.00}. The cruise was scheduled for XX/XX/year>, through XX/XX/year>. However, just five days before the departure, I received a call from the cruise company notifying me that our reservation had been canceled due to the unavailability of the initial room. They offered regular rooms at a lower price and assured me that a full refund would be processed to my Bank of America credit card within 10-15 business days. As the refund was not immediate, I had no choice but to use a different credit card to pay for the newly available room. Unfortunately, nearly four months have passed, and I have yet to receive the promised refund. My repeated attempts to resolve this directly with the merchant have been unsuccessful, prompting me to seek assistance from Bank of America. Bank of America initiated a dispute on XX/XX/year>, after I explained the situation and provided all necessary documentation, demonstrating that the merchant owes us a refund. Despite submitting extensive evidence, including the new booking itinerary and an XXXX XXXX statement showing the matching transaction, Bank of America repeatedly requested additional documentation. Each time I complied, they deemed the information insufficient. At one point, they suggested the transaction could have been for an onboard payment, which I clarified was incorrect. I provided evidence of onboard payments made with a separate card, including a full statement, yet the bank closed the case without explanation. I am reaching out to you because this situation has become incredibly frustrating, and I genuinely need assistance to rectify this matter. The lack of resolution and communication from Bank of America has left me with no other options. I kindly request your intervention to help secure the refund that is rightfully owed. Thank you for your attention to this matter. I am hopeful for your swift assistance. Sincerely, XXXX XXXX